{"citations":{"source_mix":{"company_owned":17,"independent":21,"unclear":5},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":5},"total_sources":43,"unique_domain_count":18},"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 Online and Digital-First 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":"digital-first online reverse mortgage application","subject":"Guild Mortgage","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guild Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guild Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","deepseek","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Guild Mortgage","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Guild Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.333333333333333,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Guild Mortgage","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/digital-first-online-application/guild-mortgage.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/digital-first-online-application/guild-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-6410F7126483","title":"Guild Mortgage Review for Online 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 22:47:55.606638+00","research_date":"2026-09-29","source_snapshot_sha256":"0f9548cb0883a756895bf81e04f08f55c9daa23d1318717402fb1907025fa857","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":8,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Guild Mortgage is a mixed fit for a digital-first online reverse mortgage application. Three of seven platforms named Guild during the ranking stage, and it finished with an average listed rank of 6.33 (best rank 6). Its strongest asset is documented general digital mortgage infrastructure — the MyMortgage portal and a DocuSign-powered eClose option — plus confirmed HECM availability. The main limitation is that no reviewed source confirms that this digital workflow extends end to end to reverse mortgages: intake typically begins with an inquiry form and loan-officer contact,…","target_buyer":"Homeowners 62+ or family assisting them who prefer online applications, e-signatures, and digital tracking.","topic":{"base_category":"Reverse Mortgage Lenders","category_criteria":["digital application experience","online document upload and e-closing support","remote counseling coordination","transparency of online rate tools"],"geography":"United States","slug":"best-online-and-digital-first-reverse-mortgage-lenders","title":"Best Online and Digital-First Reverse Mortgage Lenders","use_case":"digital-first online reverse mortgage application"}}