{"citations":{"source_mix":{"company_owned":20,"independent":10,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":22,"partial":8},"total_sources":30,"unique_domain_count":14},"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 Fixed-Rate Home Equity Loan Lenders (Lump Sum Second Mortgage)","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Fixed-rate lump sum second mortgage","subject":"Connexus Credit Union","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Connexus Credit Union","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Connexus Credit Union","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Connexus Credit Union","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Connexus Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7.2,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Connexus Credit Union","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/connexus-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/fixed-rate-lump-sum-second-mortgage/connexus-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-0FB27A11617E","title":"Connexus Credit Union Review for Fixed-Rate Home Equity Loans"},"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 17:27:05.147245+00","research_date":"2026-09-29","source_snapshot_sha256":"993d2ebebcee3134f547b694d85c9a25d6a29c16dcba4b2b65bee9ffc1070647","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Connexus Credit Union is a good fit for a Fixed-rate lump sum second mortgage, with qualifications. Five of seven platforms named it during the ranking stage, and four of those seven rated it a good fit while two rated it mixed and one uncertain. The strongest reason to consider it is structural: the Connexus Home Equity Loan delivers a single lump sum at a fixed rate with level monthly principal-and-interest payments over published 5-, 10-, and 15-year terms . The main limitation is that the maximum loan amount is not publicly stated, and funding may take 10 to 45 days .","target_buyer":"A homeowner facing a single large known expense who wants a predictable fixed monthly payment instead of a variable revolving balance.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["fixed rate competitiveness","loan term options","closing cost structure","funding speed","lump sum maximum amounts"],"geography":"United States","slug":"best-fixed-rate-home-equity-loan-lenders-lump-sum-second-mortgage","title":"Best Fixed-Rate Home Equity Loan Lenders (Lump Sum Second Mortgage)","use_case":"Fixed-rate lump sum second mortgage"}}