{"citations":{"source_mix":{"company_owned":23,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":4},"total_sources":37,"unique_domain_count":21},"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 Overall Home Equity Line of Credit (HELOC) Lenders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"General-purpose revolving home equity line of credit","subject":"Connexus Credit Union","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Connexus Credit Union","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Connexus Credit Union","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Connexus Credit Union","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Connexus Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Connexus Credit Union","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Connexus Credit Union","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/general-heloc-comparison/connexus-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/general-heloc-comparison/connexus-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-6A114CBD9B39","title":"Connexus Credit Union Review for Revolving HELOCs"},"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 17:07:06.534372+00","research_date":"2026-09-29","source_snapshot_sha256":"640b2743b48ae41d5ec1961fe4cf424db9d1f5b7e5efd9c95652f438597edcc6","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":7,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Connexus Credit Union is a good fit for a general-purpose revolving HELOC, but not an unqualified one. Three of seven platforms named it during the ranking stage (43% of included platform responses), at an average listed rank of 4.33 and a best rank of 2. Its strongest advantage is a long draw period — most sources describe 15 years — plus no stated annual fee, a $5,000 minimum line, and no appraisal in most cases. The main limitation is unresolved conflict over whether the draw period is 10 or 15 years, alongside variable-only pricing, $175–$2,000 in borrower-paid closing costs, and mixed…","target_buyer":"A homeowner with meaningful equity built up who wants ongoing flexible access to cash for a variety of future needs rather than a single lump sum.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["draw period terms","variable rate competitiveness","fees and closing costs","credit line flexibility","customer service"],"geography":"United States","slug":"best-overall-home-equity-line-of-credit-heloc-lenders","title":"Best Overall Home Equity Line of Credit (HELOC) Lenders","use_case":"General-purpose revolving home equity line of credit"}}