{"citations":{"source_mix":{"company_owned":18,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":12},"total_sources":39,"unique_domain_count":20},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best High-LTV Refinance Lenders for Borrowers with Limited Equity","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Refinancing with minimal home equity available","subject":"New American Funding","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"New American Funding","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"New American Funding","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"good","subject":"New American Funding","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"New American Funding","unit":"platforms","value":4}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":4,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"New American Funding","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/high-ltv-limited-equity-refinance/new-american-funding.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/high-ltv-limited-equity-refinance/new-american-funding","report_type":"fit_review","study_id":"MCI-STUDY-392C162ABB1E","title":"New American Funding Review for Borrowers with Limited Equity"},"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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["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 15:25:10.623064+00","research_date":"2026-09-29","source_snapshot_sha256":"4e158eaa8f6b7e4ad75cc3ddc24b4b02147eadfe178884f825fdc287cf3f4365","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"New American Funding is a mixed fit for refinancing with minimal home equity available. Two of the six included platforms named it during the ranking stage, and those two placed it at rank 4. The strongest reason to consider it is its publicly marketed range of high-LTV pathways: FHA Streamline, VA IRRRL, USDA streamlines, non-QM alternatives, and a company statement that non-VA loans can be refinanced up to 100% of home value . The main limitation is transparency: no reviewed page publishes a buyer-specific maximum conventional LTV at 90% to 97%, PMI pricing, credit floors, or a complete…","target_buyer":"A homeowner with only 3 to 10 percent equity in their home who still wants to refinance for a better rate despite a high loan-to-value ratio.","topic":{"base_category":"Mortgage Refinance Lenders","category_criteria":["maximum LTV allowed","high-LTV program availability","PMI cost at high LTV","underwriting flexibility"],"geography":"United States","slug":"best-high-ltv-refinance-lenders-for-borrowers-with-limited-equity","title":"Best High-LTV Refinance Lenders for Borrowers with Limited Equity","use_case":"Refinancing with minimal home equity available"}}