{"citations":{"source_mix":{"company_owned":19,"independent":14,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":7},"total_sources":34,"unique_domain_count":18},"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"High CLTV access to nearly all available equity","subject":"Spring EQ","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Spring EQ","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Spring EQ","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Spring EQ","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Spring EQ","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.2,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Spring EQ","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/spring-eq.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/high-cltv-heloc-90-95-percent/spring-eq","report_type":"fit_review","study_id":"MCI-STUDY-0A600242CC9A","title":"Spring EQ 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 17:31:51.273475+00","research_date":"2026-09-29","source_snapshot_sha256":"82876cb213adfad0e4405da808c70cd5a78227fae0795c3e7a54e8799abf1d8a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":23,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Spring EQ is a good fit for high-CLTV access to nearly all available equity, but only for a narrow borrower profile: owner-occupied homeowners with FICO 740+ seeking a HELOC near 90-95% HCLTV. Five of seven platforms named Spring EQ during the ranking stage, with an average listed rank of 3.2 and a best rank of 3. The strongest reason to consider it is its published HELOC matrix reaching 95% HCLTV for 740+ FICO owner-occupied borrowers . The main limitation is that the 95% tier is not guaranteed: the $500,000 cap, risk-based pricing, fees, state and lien restrictions, and final underwriting…","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"}}