{"citations":{"source_mix":{"company_owned":19,"independent":4,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":6},"total_sources":23,"unique_domain_count":7},"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":["kimi","openai"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Andes Mortgage","unit":"rank","value":9},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Andes Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Andes Mortgage","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Andes Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"Andes 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/andes-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/andes-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-1F3288DA3003","title":"Andes Mortgage Review for Self-Employed Borrowers"},"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 18:02:52.114429+00","research_date":"2026-09-29","source_snapshot_sha256":"ecb7b6a0e1ba2ad74e84bb8abbfe31511988535e0adefc62b1fb51b6af2e269e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Andes Mortgage is a good — but not fully transparent — fit for Self-Employed Borrowers who need bank-statement income documentation for HELOC approval. Two of seven platforms named Andes Mortgage during the ranking stage (kimi and openai), giving it a 28.6% share of included platform responses, an average listed rank of 5.5, and a best listed rank of 4. The strongest reason to consider it is its advertised Bank Statement HELOC, which uses 12 or 24 months of personal or business bank statements instead of tax returns, W-2s, or pay stubs (, , kimi:andes-1). The main limitation is transparency:…","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"}}