{"citations":{"source_mix":{"company_owned":23,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":37,"partial":5},"total_sources":44,"unique_domain_count":19},"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 Fixed-Rate Lump-Sum Reverse Mortgage Lenders","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"fixed-rate lump-sum reverse mortgage payout","subject":"Guild Mortgage","unit":"rank","value":6},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guild Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Guild Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guild Mortgage","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Guild Mortgage","unit":"platforms","value":1},{"claim_id":"claim-007","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":1.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":6,"name":"Guild Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/fixed-rate-lump-sum-payout/guild-mortgage.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/fixed-rate-lump-sum-payout/guild-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-3BA8C127766E","title":"Guild Mortgage Review for Lump-Sum 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 22:32:23.792405+00","research_date":"2026-09-29","source_snapshot_sha256":"cf5f2f55f336e00fd4ed8389f40b335c868823c4819e9c388e19cfa134a4e860","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":9,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Guild Mortgage is a good fit for a homeowner 62 or older who wants a fixed-rate HECM with a single lump-sum disbursement at closing, but it is not proven best-in-market. Two of the seven platforms named Guild during the ranking stage, at an average listed rank of 1.5 and a best rank of 1. The strongest reason to consider it is that Guild publicly describes fixed-rate HECMs as single-lump-sum loans with no future draws, matching the use case directly (, -3, ). The main limitation is that Guild publishes no current fixed-HECM rate, APR, fee schedule, or borrower-specific proceeds, so rate…","target_buyer":"Homeowners 62+ who need all proceeds disbursed at closing rather than a flexible draw structure.","topic":{"base_category":"Reverse Mortgage Lenders","category_criteria":["fixed-rate HECM availability","lump sum disbursement rules","rate competitiveness on fixed product","eligibility for full draw"],"geography":"United States","slug":"best-fixed-rate-lump-sum-reverse-mortgage-lenders","title":"Best Fixed-Rate Lump-Sum Reverse Mortgage Lenders","use_case":"fixed-rate lump-sum reverse mortgage payout"}}