{"citations":{"source_mix":{"company_owned":26,"independent":10,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":7},"total_sources":36,"unique_domain_count":15},"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 Bank and Credit Union Reverse Mortgage Lenders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"bank and credit union reverse mortgage","subject":"America First Credit Union","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"America First Credit Union","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"America First Credit Union","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"America First Credit Union","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"America First Credit Union","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.25,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"America First Credit Union","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/america-first-credit-union.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/america-first-credit-union","report_type":"fit_review","study_id":"MCI-STUDY-DE23F119A53B","title":"America First Credit Union Review for Bank and Credit Union Reverse Mortgages"},"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 23:10:52.633239+00","research_date":"2026-09-29","source_snapshot_sha256":"843572a928a83dca52ab5bf2c1ba7e7ac675fdc6a2074854c9df294857d68d72","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"America First Credit Union is a mixed fit for a bank and credit union reverse mortgage. Four of the seven platforms in this study named it during the ranking stage, and it finished first overall with an average listed rank of 2.25. Its strongest draw is institutional familiarity: it publicly advertises a reverse mortgage for homeowners 62 and older under a federally insured credit union, which suits existing members who want a depository relationship rather than an independent specialist. The main limitation is disclosure. No reviewed source publishes America First reverse-mortgage rates,…","target_buyer":"Homeowners 62+ who trust traditional banks or credit unions over independent reverse mortgage specialists.","topic":{"base_category":"Reverse Mortgage Lenders","category_criteria":["institutional trust and stability","existing relationship banking benefits","rate competitiveness among depositories","availability of reverse products at branches"],"geography":"United States","slug":"best-bank-and-credit-union-reverse-mortgage-lenders","title":"Best Bank and Credit Union Reverse Mortgage Lenders","use_case":"bank and credit union reverse mortgage"}}