{"citations":{"source_mix":{"company_owned":18,"independent":11,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":19,"partial":10},"total_sources":29,"unique_domain_count":10},"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","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"High CLTV access to nearly all available equity","subject":"Navy Federal Credit Union","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Navy Federal Credit Union","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"Navy Federal Credit Union","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Navy Federal Credit Union","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Navy Federal Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.142857142857143,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Navy Federal Credit Union","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/navy-federal-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/navy-federal-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-4CC01780256E","title":"Navy Federal Credit Union 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.","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 17:35:51.994309+00","research_date":"2026-09-29","source_snapshot_sha256":"e0de357626cac5e8b17afafb6a13c1a1d276d46e12204913084d7c47127c1f1c","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Navy Federal Credit Union is a qualified but not fully verified fit for a homeowner who needs high CLTV access to nearly all available equity. All 7 platforms named it during the ranking stage, and it finished first overall with an average listed rank of 2.14. The strongest reason to consider it is its publicly advertised HELOC borrowing ceiling of up to 95%, paired with no advertised application, origination, annual, or inactivity fees. The main limitation is that Navy Federal's published best-rate example assumes only 70% maximum HLTV, and no public source discloses the actual rate,…","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"}}