{"citations":{"source_mix":{"company_owned":21,"independent":13,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":33,"partial":2},"total_sources":35,"unique_domain_count":16},"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"],"predicate":"final_consensus_rank","qualifier":"bank and credit union reverse mortgage","subject":"Central Pacific Bank","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Central Pacific Bank","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Central Pacific Bank","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Central Pacific Bank","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Central Pacific Bank","unit":"platforms","value":1},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Central Pacific Bank","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Central Pacific Bank","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/central-pacific-bank.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/central-pacific-bank","report_type":"fit_review","study_id":"MCI-STUDY-3B0A4E906810","title":"Central Pacific Bank 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 23:31:47.134288+00","research_date":"2026-09-29","source_snapshot_sha256":"0e29c8cf4ad4d096cc5440671f9f147f0af5647378993189777075cf7fdee34e","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Central Pacific Bank is a good fit only for Hawaii homeowners age 62+ who want a traditional bank relationship for a reverse mortgage. Two of seven platforms named it during the ranking stage (anthropic, google), giving it a 28.6% share of included platform responses, an average listed rank of 6.0, and a best listed rank of 6. Its strongest asset is a publicly advertised reverse mortgage for homeowners 62+ with lump-sum, line-of-credit, and fixed-monthly-payment options, plus HUD records showing at least one Hawaii location approved for HECM. The main limitation is that public pricing, fees,…","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"}}