{"citations":{"source_mix":{"company_owned":20,"independent":16,"unclear":4},"sources_referenced_by_questions":0,"support_mix":{"direct":32,"partial":7},"total_sources":40,"unique_domain_count":22},"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":"The Federal Savings Bank","unit":"rank","value":3},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"The Federal Savings Bank","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"The Federal Savings Bank","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"The Federal Savings Bank","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"The Federal Savings Bank","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.3333333333333335,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":3,"name":"The Federal Savings Bank","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/the-federal-savings-bank.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/the-federal-savings-bank","report_type":"fit_review","study_id":"MCI-STUDY-EA66C3634902","title":"The Federal Savings 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 23:16:13.559179+00","research_date":"2026-09-29","source_snapshot_sha256":"40d69129af701dcc66bab3cb87cb82fc82ddb659169ba97bd88b213c4f624324","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"The Federal Savings Bank is a good, but not clearly best, fit for homeowners 62+ who want a federally chartered bank to originate a standard FHA-insured Home Equity Conversion Mortgage (HECM). Three of the seven platforms in this study named it during ranking discovery, at an average listed rank of 3.33 and a best rank of 1. The strongest reason to consider it is that it is one of the few remaining banks still originating HECMs, with a dedicated reverse-mortgage team and claimed nationwide origination. The main limitation is that no reviewed source verifies relationship-banking discounts,…","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"}}