{"citations":{"source_mix":{"company_owned":208,"independent":103,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":213,"partial":66},"total_sources":316,"unique_domain_count":86},"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 HELOC Lenders for Self-Employed Borrowers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Truss Financial Group","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Truss Financial Group","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Griffin Funding","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Griffin Funding","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Deephaven Mortgage","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Deephaven Mortgage","unit":"platforms","value":5},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Angel Oak Mortgage Solutions","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":4},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Lendmire","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Lendmire","unit":"platforms","value":4},{"claim_id":"claim-012","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Better.com","unit":"rank","value":6},{"claim_id":"claim-013","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Better.com","unit":"platforms","value":2},{"claim_id":"claim-014","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Spring EQ","unit":"rank","value":7},{"claim_id":"claim-015","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Spring EQ","unit":"platforms","value":2},{"claim_id":"claim-016","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Figure","unit":"rank","value":8},{"claim_id":"claim-017","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":2},{"claim_id":"claim-018","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Andes Mortgage","unit":"rank","value":9},{"claim_id":"claim-019","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Andes Mortgage","unit":"platforms","value":2},{"claim_id":"claim-020","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"LBC Mortgage","unit":"rank","value":10},{"claim_id":"claim-021","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"LBC Mortgage","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.4,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Truss Financial Group","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3.8,"best_rank":1,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Griffin Funding","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":3.8,"best_rank":2,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Deephaven Mortgage","platform_mentions":5,"platform_share":0.7142857142857143},{"average_rank":2.25,"best_rank":2,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Angel Oak Mortgage Solutions","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":5.75,"best_rank":3,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Lendmire","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":1,"best_rank":1,"entity_id":"entity-006","entity_type":"company","final_rank":6,"name":"Better.com","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":4,"best_rank":1,"entity_id":"entity-007","entity_type":"company","final_rank":7,"name":"Spring EQ","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":5,"best_rank":2,"entity_id":"entity-008","entity_type":"company","final_rank":8,"name":"Figure","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":5.5,"best_rank":4,"entity_id":"entity-009","entity_type":"company","final_rank":9,"name":"Andes Mortgage","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":5.5,"best_rank":5,"entity_id":"entity-010","entity_type":"company","final_rank":10,"name":"LBC Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/self-employed-income-documentation.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/self-employed-income-documentation","report_type":"best_of_index","study_id":"MCI-STUDY-78983941215D","title":"Best HELOC Lenders for Self-Employed Borrowers (2026)"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"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 18:08:24.550303+00","research_date":"2026-09-29","source_snapshot_sha256":"4675a00aa0b0bd19de67c18eef8a629a9ede03ba64a3a02aad08d71a462b9b00","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Truss Financial Group is the consensus leader for self-employed HELOC income documentation, named by 5 of 7 platforms (71.4%) at an average listed position of 2.4 and a best position of 1. Griffin Funding and Deephaven Mortgage tie at 3.8 average, with Griffin Funding reaching best position 1 and Deephaven best position 2. Angel Oak Mortgage Solutions has the strongest average listed position of any entity (2.25) but was named by only 4 platforms. The strongest alternatives for distinct buyer needs are Angel Oak for a true revolving bank-statement HELOC with published program terms,…","target_buyer":"A self-employed homeowner or small business owner whose income does not fit standard W-2 documentation requirements for a home equity line.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["alternative income documentation options","bank statement or asset-based underwriting","approval speed","rate impact of non-W2 income"],"geography":"United States","slug":"best-heloc-lenders-for-self-employed-borrowers","title":"Best HELOC Lenders for Self-Employed Borrowers","use_case":"Self-employed income documentation for HELOC approval"}}