If you’re really good at coding and problem solving, you could try to build some credentials in competitive programming (IOI, Google CodeJam, ICPC) though the last one is probably only for undergrads.
I don’t think that 95% in boards will count against you.
Also, you should be able to show that you have done something constructive in your gap year. I suggest you get involved in an internship or research or build something on your own.
*Being in integrated, I think you might not have done many leadership and other non-STEM related extracurricular activities recently. So you could use your gap year for these things.
You could start your essays early.
I think USIEF offers good guidance (on basis of reviews) and you could sign up for their membership.
Applying to top colleges with financial aid means you have to be at the top. All the best!