{"citations":{"source_mix":{"company_owned":20,"independent":14,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":15,"partial":13},"total_sources":37,"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 Self-Employed Borrowers","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Self-employed income documentation for HELOC approval","subject":"Deephaven Mortgage","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Deephaven Mortgage","unit":"platforms","value":5},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Deephaven Mortgage","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Deephaven Mortgage","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Deephaven Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.8,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"Deephaven Mortgage","platform_mentions":5,"platform_share":0.7142857142857143}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/deephaven-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/self-employed-income-documentation/deephaven-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-28117CF50CF6","title":"Deephaven Mortgage Review for Self-Employed Borrowers"},"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 17:53:55.295713+00","research_date":"2026-09-29","source_snapshot_sha256":"153fb2808b62fc5da87339f3546755016832012430a7f9d5c414943b6762c9fb","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":30,"qualified_finalists":10,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Deephaven Mortgage is a good fit for self-employed homeowners whose bank deposits are stronger than their tax returns, because its Equity Advantage HELOC accepts 12 months of personal or business bank statements in place of tax returns . Five of seven platforms named Deephaven during ranking discovery, with an average listed rank of 3.8 and a best rank of 2. The strongest reason to consider it is a dedicated bank-statement HELOC path with first- and second-lien options. The main limitation is that Deephaven lends through wholesale and correspondent partners only, publishes no…","target_buyer":"A self-employed homeowner or small business owner whose income does not fit standard W-2 documentation requirements for a home equity line.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["alternative income documentation options","bank statement or asset-based underwriting","approval speed","rate impact of non-W2 income"],"geography":"United States","slug":"best-heloc-lenders-for-self-employed-borrowers","title":"Best HELOC Lenders for Self-Employed Borrowers","use_case":"Self-employed income documentation for HELOC approval"}}