{"citations":{"source_mix":{"company_owned":21,"independent":7,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":18,"partial":2},"total_sources":28,"unique_domain_count":9},"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 Credit Union Refinance Lenders for Lower Fees","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","openai"],"predicate":"final_consensus_rank","qualifier":"Refinancing through a member-owned credit union for lower fees","subject":"Space Coast Credit Union","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Space Coast Credit Union","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Space Coast Credit Union","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Space Coast Credit Union","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Space Coast Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.666666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Space Coast Credit Union","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/credit-union-refinance/space-coast-credit-union.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/credit-union-refinance/space-coast-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-635696253508","title":"Space Coast Credit Union Review for Lower Fees"},"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 16:28:04.235831+00","research_date":"2026-09-29","source_snapshot_sha256":"0c825ff9219aed5a2cb6acc9def9ac720eb14188b92e753ba93fbb3e15246282","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":24,"qualified_finalists":6,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"Space Coast Credit Union is a good fit for an eligible Florida homeowner who wants to refinance with minimal cash due at closing. Three of the seven platforms in this study named it during the ranking stage, and its No Closing Costs Home Loan waives the lender origination fee and covers typical third-party closing costs. The strongest reason to consider it is that fee structure, which directly targets the lower-fees use case. The main limitation is that the no-closing-cost option carries a rate adjustment, so it is not established as the lowest total-cost refinance, and membership is…","target_buyer":"A homeowner eligible for credit union membership who wants a refinance with lower fees and member-based rate discounts.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["membership eligibility ease","refinance-specific fee structure","member rate discounts","servicing quality after closing"],"geography":"United States","slug":"best-credit-union-refinance-lenders-for-lower-fees","title":"Best Credit Union Refinance Lenders for Lower Fees","use_case":"Refinancing through a member-owned credit union for lower fees"}}