{"citations":{"source_mix":{"company_owned":29,"independent":8,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":31,"partial":5},"total_sources":37,"unique_domain_count":13},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Credit Union HELOC Lenders for Lower Rates and Fees","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","openai"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"First Tech Federal Credit Union","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"First Tech Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"First Tech Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"First Tech Federal Credit Union","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"First Tech Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"First Tech Federal Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"First Tech Federal Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc/first-tech-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc/first-tech-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-92D4E32BCE31","title":"First Tech Federal Credit Union Review for Lower Rates and Fees"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-29 19:15:44.049883+00","research_date":"2026-09-29","source_snapshot_sha256":"3f8b9e9cff56290c4b1fee4487bad5e084e065d1b443ef851dd7c40ad396a9d5","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"First Tech Federal Credit Union is a good, but not conclusively best, fit for a member-owned institution seeking a lower cost HELOC. Two of the seven platforms named it during the ranking stage, at an average listed rank of 6.5 and a best listed rank of 3. The strongest reason to consider it is a published Non-Flexity HELOC rate that is competitive on its face, paired with multiple membership pathways and disclosed fees. The main limitation is that the favorable rate is tied to restrictive assumptions, a $100 annual fee applies after year one, and no reviewed source independently confirms…","target_buyer":"A homeowner eligible for credit union membership who wants to compare not-for-profit lenders for potentially better pricing on a home equity line.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["membership eligibility ease","rate competitiveness versus banks","fee structure","member service quality"],"geography":"United States","slug":"best-credit-union-heloc-lenders-for-lower-rates-and-fees","title":"Best Credit Union HELOC Lenders for Lower Rates and Fees","use_case":"Member-owned institution seeking lower cost HELOC"}}