{"citations":{"source_mix":{"company_owned":10,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":11,"partial":4},"total_sources":24,"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 Home Equity Lenders for Second Homes and Vacation Properties","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Accessing equity in a vacation or second home","subject":"Connexus Credit Union","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Connexus Credit Union","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Connexus Credit Union","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","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":["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,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Connexus Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/second-home-vacation-property-equity/connexus-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/second-home-vacation-property-equity/connexus-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-8D00261EF7CD","title":"Connexus Credit Union Review for Second Homes and Vacation Properties"},"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.","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 20:02:51.332603+00","research_date":"2026-09-29","source_snapshot_sha256":"e4d98c93957d44601779826bdc0d8a456ce0ba0331779863ff5656e36f1d2560","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":8,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Connexus Credit Union is a mixed-to-good fit for accessing equity in a vacation or second home. Two of the seven platforms in this study named Connexus during the ranking stage, and the seven platforms that evaluated it split on fit: three rated it \"good,\" two \"mixed,\" and two \"uncertain.\" The strongest reason to consider it is explicit published second-home eligibility for owner-used properties at least 50 miles from the primary residence, paired with a stated 90% borrowing ceiling and no annual fee. The main limitation is that Connexus does not publicly disclose a second-home-specific CLTV…","target_buyer":"An owner of a vacation or second home who wants to borrow against equity in that property rather than their primary residence.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["second home eligibility rules","rate impact for second homes","seasonal occupancy underwriting","maximum CLTV for second homes"],"geography":"United States","slug":"best-home-equity-lenders-for-second-homes-and-vacation-properties","title":"Best Home Equity Lenders for Second Homes and Vacation Properties","use_case":"Accessing equity in a vacation or second home"}}