{"citations":{"source_mix":{"company_owned":24,"independent":25,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":43,"partial":5},"total_sources":49,"unique_domain_count":21},"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","grok"],"predicate":"final_consensus_rank","qualifier":"bank and credit union reverse mortgage","subject":"University Bank","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"University Bank","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"University Bank","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"University Bank","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"University Bank","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"University Bank","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/university-bank.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/bank-credit-union-reverse-mortgage/university-bank","report_type":"fit_review","study_id":"MCI-STUDY-98A59BE6C750","title":"University 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.","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 23:13:05.766705+00","research_date":"2026-09-29","source_snapshot_sha256":"3aa26e6ea2ef9e8a710a0579d81623c1f86f9d822053fc5b70922abf5d2bcdaf","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":31,"qualified_finalists":10,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"University Bank is a mixed fit for homeowners 62 and older who want a bank or credit union reverse mortgage. Three of the seven platforms in the ranking stage named University Bank, and its average listed rank was 2.0, with a best rank of 1. The strongest reason to consider it is that it is a bank-affiliated lender with a dedicated reverse mortgage division that publicly advertises FHA-insured HECM, HECM for Purchase, and possible proprietary options. The main limitation is that public evidence points to a specialist, referral, or wholesale model rather than a documented branch-based…","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"}}