{"citations":{"source_mix":{"company_owned":22,"independent":15,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":7},"total_sources":37,"unique_domain_count":16},"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 Jumbo HELOC Lenders for High-Value Homes and Large Credit Lines","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Large credit line on a high-value home","subject":"Navy Federal Credit Union","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Navy Federal Credit Union","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Navy Federal Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.75,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Navy Federal Credit Union","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/jumbo-large-credit-line-heloc/navy-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/jumbo-large-credit-line-heloc/navy-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-37E157E46818","title":"Navy Federal Credit Union Review for High-Value Homes and Large Credit Lines"},"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 19:21:46.372866+00","research_date":"2026-09-29","source_snapshot_sha256":"1d79093cc6524fd7edb40e7682850ee3755b8fd63643b780ce8212d1ca2da801","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Navy Federal Credit Union is a mixed fit for a large credit line on a high-value home. Four of seven platforms named it during the ranking stage (57% of included platform responses), at an average listed rank of 6.75 and a best rank of 5. The strongest reason to consider it is a published HELOC maximum of $500,000 combined with advertised borrowing up to 95% of home equity, a 20-year draw period, and no advertised application or origination fee (, -4, -6). The main limitation is decisive for this use case: $500,000 is not a jumbo line, and no platform verified a larger standard maximum or…","target_buyer":"An owner of a high-value home with substantial equity who needs a credit line well above standard conforming limits.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["maximum line size offered","rate competitiveness at large balances","underwriting for high-value properties","relationship banking perks"],"geography":"United States","slug":"best-jumbo-heloc-lenders-for-high-value-homes-and-large-credit-lines","title":"Best Jumbo HELOC Lenders for High-Value Homes and Large Credit Lines","use_case":"Large credit line on a high-value home"}}