{"citations":{"source_mix":{"company_owned":14,"independent":12,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":7},"total_sources":26,"unique_domain_count":12},"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":["deepseek","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"High CLTV access to nearly all available equity","subject":"PenFed Credit Union","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"PenFed Credit Union","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"PenFed Credit Union","unit":"platforms","value":6},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"PenFed Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"PenFed Credit Union","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/penfed-credit-union.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/penfed-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-42F951F2927D","title":"PenFed 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 17:47:44.267728+00","research_date":"2026-09-29","source_snapshot_sha256":"4a527257b8dd394c019585b4d54df7950db761c56b9b944975d27944afd6b093","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"PenFed Credit Union is a weak fit for a homeowner who needs high CLTV access to nearly all available equity. Three of the seven platforms in this study named PenFed during the ranking stage (deepseek, kimi, perplexity), and all seven platforms that evaluated fit rated it weak or uncertain for the 90-95% CLTV use case. The strongest reason to consider PenFed is its standard HELOC structure: a 10-year draw period, a 20-year repayment period, and optional fixed-rate advances. The main limitation is decisive: PenFed's published guideline states a maximum 85% CLTV for owner-occupied properties…","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"}}