{"citations":{"source_mix":{"company_owned":13,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":26,"partial":7},"total_sources":34,"unique_domain_count":13},"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"Refinancing with minimal home equity available","subject":"United Wholesale Mortgage","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"United Wholesale Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"United Wholesale Mortgage","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":"good","subject":"United Wholesale Mortgage","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"United Wholesale Mortgage","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"United Wholesale Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"United Wholesale Mortgage","platform_mentions":3,"platform_share":0.5}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/mortgage-refinance-lenders/high-ltv-limited-equity-refinance/united-wholesale-mortgage.json","page_url":"https://mortgageconsensusindex.com/mortgage-refinance-lenders/high-ltv-limited-equity-refinance/united-wholesale-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-7D54A8D2C9A3","title":"United Wholesale Mortgage 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 15:09:46.047851+00","research_date":"2026-09-29","source_snapshot_sha256":"29fe9829c0a5c3abeeec7039153c10269939cc287f0ab3f335d6c61524612870","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":25,"qualified_finalists":10,"ranking_unit":"Mortgage refinance lender"},"schema_version":4,"summary":"United Wholesale Mortgage (UWM) is a good but conditional fit for refinancing with minimal home equity available. Three of the six platforms that produced fit research named UWM during the ranking stage — deepseek, kimi, and perplexity — giving it a 50% share of included platform responses, an average listed rank of 4.0, and a best listed rank of 1. Its strongest asset is Conventional Cash-Out 90, an advertised cash-out refinance up to 89.99% LTV without mortgage insurance, which suits a primary-residence borrower near 10% equity. The main limitation is that UWM is broker-only, publishes no…","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"}}