{"citations":{"source_mix":{"company_owned":12,"independent":26,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":15,"partial":9},"total_sources":38,"unique_domain_count":24},"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":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"High CLTV access to nearly all available equity","subject":"Figure","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Figure","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Figure","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Figure","unit":"platforms","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Figure","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.8333333333333335,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Figure","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/figure.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/figure","report_type":"fit_review","study_id":"MCI-STUDY-1721732363AC","title":"Figure 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.","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 17:30:14.695961+00","research_date":"2026-09-29","source_snapshot_sha256":"f4ac88bcb6f7b30153c362e65978e524a74aa56101971dd596985e4f1fb3c174","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is a mixed fit for a homeowner who needs high CLTV access to nearly all available equity. Six of seven platforms named Figure during the ranking stage, and it finished second overall with an average listed rank of 2.83. The strongest reason to consider it is that some independent sources report a maximum CLTV as high as 95%, and Figure's digital process can fund quickly. The main limitation is that Figure's own materials and several independent reviews cap standalone HELOCs at 85% CLTV, with 90% documented mainly for piggyback purchase loans. Treat Figure as a candidate to verify, not…","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"}}