{"citations":{"source_mix":{"company_owned":20,"independent":18,"unclear":2},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":13},"total_sources":40,"unique_domain_count":22},"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","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-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Angel Oak Mortgage Solutions","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.25,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Angel Oak Mortgage Solutions","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/angel-oak-mortgage-solutions.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/angel-oak-mortgage-solutions","report_type":"fit_review","study_id":"MCI-STUDY-F98A46ADBDA9","title":"Angel Oak Mortgage Solutions 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.","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 17:58:11.736114+00","research_date":"2026-09-29","source_snapshot_sha256":"7fd5ec79dbf11bf8fde39946537fd7514e97bf0181331f97982beffe2421f0f0","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Angel Oak Mortgage Solutions is a good fit for self-employed homeowners who need a HELOC approved on bank-statement income rather than W-2s or tax returns. Four of seven platforms named it during ranking discovery, with an average listed rank of 2.25 and a best rank of 2. Its strongest asset is a purpose-built Bank Statement HELOC that qualifies borrowers on 12 or 24 months of personal or business bank statements while leaving the existing first mortgage in place. The main limitation is cost and transparency: no public rate sheet or complete fee schedule exists, non-QM pricing is expected to…","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"}}