{"citations":{"source_mix":{"company_owned":17,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":3},"total_sources":30,"unique_domain_count":20},"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":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"Member-owned institution seeking lower cost HELOC","subject":"Space Coast Credit Union","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Space Coast Credit Union","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Space Coast Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Space Coast Credit Union","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Space Coast Credit Union","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Space Coast Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Space Coast 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/space-coast-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/credit-union-lower-rate-heloc/space-coast-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-9FF5F9C5433C","title":"Space Coast 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.","The deterministic identity audit contains qualification notes that must be disclosed where relevant.","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 19:10:18.453542+00","research_date":"2026-09-29","source_snapshot_sha256":"d6f821727b2c94f9477bcbb49cdb6ebab467835d105e5fc55330b1c7af3591b7","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":26,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Space Coast Credit Union (SCCU) is a good — not guaranteed-best — fit for a member-eligible homeowner seeking a lower-cost HELOC from a member-owned institution. Two of seven platforms named SCCU during the ranking stage (anthropic, kimi), and both placed it sixth. The strongest reason to consider it: published June 1, 2026 pricing shows a 7/7 principal-and-interest HELOC at 4.24% introductory APR for 12 months and 6.25% thereafter, with no application fee, no origination fee, no prepayment penalty, and closing costs generally waived on qualifying primary residences up to $250,000 (, -1, ).…","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"}}