{"citations":{"source_mix":{"company_owned":20,"independent":19,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":7},"total_sources":39,"unique_domain_count":20},"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 Jumbo HELOC Lenders for High-Value Homes and Large Credit Lines","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Large credit line on a high-value home","subject":"Spring EQ","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Spring EQ","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Spring EQ","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Spring EQ","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Spring EQ","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Spring EQ","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":9.5,"best_rank":9,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Spring EQ","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/jumbo-large-credit-line-heloc/spring-eq.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/jumbo-large-credit-line-heloc/spring-eq","report_type":"fit_review","study_id":"MCI-STUDY-41090640BD77","title":"Spring EQ Review for High-Value Homes and Large Credit Lines"},"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 19:31:31.621703+00","research_date":"2026-09-29","source_snapshot_sha256":"830b752c2a5f02e9c5ebb28c6c150adf70263ea953e18ebdd91accc578368759","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":9,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Spring EQ is a mixed fit for a large credit line on a high-value home. Two of the seven platforms named Spring EQ during the ranking stage, and its published HELOC maximum of $500,000 sits below what true jumbo borrowers typically need. The strongest reason to consider it is high leverage: up to 90% CLTV on primary residences, with some sources citing 95%, plus a flat administration fee that is cheaper than percentage-based pricing on large lines. The main limitation is the hard $500,000 cap, compounded by a mandatory initial draw of 75% of the line, a 90-day draw freeze, and no verified…","target_buyer":"An owner of a high-value home with substantial equity who needs a credit line well above standard conforming limits.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["maximum line size offered","rate competitiveness at large balances","underwriting for high-value properties","relationship banking perks"],"geography":"United States","slug":"best-jumbo-heloc-lenders-for-high-value-homes-and-large-credit-lines","title":"Best Jumbo HELOC Lenders for High-Value Homes and Large Credit Lines","use_case":"Large credit line on a high-value home"}}