{"citations":{"source_mix":{"company_owned":14,"independent":5,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":14,"partial":5},"total_sources":19,"unique_domain_count":6},"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 High Combined Loan-to-Value (Up to 90-95% CLTV)","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"High CLTV access to nearly all available equity","subject":"DCU","unit":"rank","value":9},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"DCU","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"DCU","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"DCU","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"weak","subject":"DCU","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"DCU","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":5,"entity_id":"entity-001","entity_type":"company","final_rank":9,"name":"DCU","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/dcu.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/dcu","report_type":"fit_review","study_id":"MCI-STUDY-263C90541C73","title":"DCU Review for High Combined Loan-to-Value (Up to 90-95% CLTV)"},"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.","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 17:51:14.706959+00","research_date":"2026-09-29","source_snapshot_sha256":"284fac1c6f7ae37427ca3da8608d297f154e4eff1643bd1bda627c30027bd8ab","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"DCU is a mixed fit for a homeowner who needs High CLTV access to nearly all available equity. Two of the seven platforms in this study named DCU during the ranking stage, and their verdicts split: one rated it good, one mixed, while a third platform that did not rank DCU rated it weak. The strongest reason to consider DCU is its publicly stated ability to lend up to 90% combined loan-to-value on HELOCs in most states, paired with a 20-year draw period and optional fixed-rate advances. The main limitation is that DCU does not publicly establish 95% CLTV availability, and its advertised HELOC…","target_buyer":"A homeowner with a large existing first mortgage balance who needs to borrow close to the maximum equity available in the home.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["maximum CLTV allowed","rate impact at high CLTV","underwriting flexibility","credit score requirements at high CLTV"],"geography":"United States","slug":"best-heloc-lenders-for-high-combined-loan-to-value-up-to-90-95-cltv","title":"Best HELOC Lenders for High Combined Loan-to-Value (Up to 90-95% CLTV)","use_case":"High CLTV access to nearly all available equity"}}