{"citations":{"source_mix":{"company_owned":24,"independent":7,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":8},"total_sources":31,"unique_domain_count":11},"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":["anthropic","google","kimi"],"predicate":"final_consensus_rank","qualifier":"bank and credit union reverse mortgage","subject":"Bank of Utah","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Bank of Utah","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Bank of Utah","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Bank of Utah","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Bank of Utah","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.6666666666666665,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Bank of Utah","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/bank-of-utah.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/bank-of-utah","report_type":"fit_review","study_id":"MCI-STUDY-08F0091EB1B9","title":"Bank of Utah 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.","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 23:18:26.052864+00","research_date":"2026-09-29","source_snapshot_sha256":"b65ae70afa52d1e3e6a6797dd7ca4deb26520acbc67a73aea6171eae8868a060","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Bank of Utah is a good — not conclusively best — fit for homeowners 62+ who want a traditional depository institution for an FHA-insured HECM reverse mortgage. Three of seven platforms named it during the ranking stage (anthropic, google, kimi), at an average listed rank of 3.67 and a best rank of 1. The strongest reason to consider it is a clearly advertised HECM lineup (including HECM refinance and HECM for Purchase) backed by an active HUD lender record, local advisors, and branch access . The main limitation is transparency: no public HECM rate sheet, fee schedule, origination volume, or…","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"}}