{"citations":{"source_mix":{"company_owned":11,"independent":35,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":40,"partial":7},"total_sources":47,"unique_domain_count":22},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Overall Reverse Mortgage Lenders (HECM)","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"final_consensus_rank","qualifier":"general HECM reverse mortgage comparison","subject":"Guild Mortgage","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Guild Mortgage","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guild Mortgage","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Guild Mortgage","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Guild Mortgage","platform_mentions":2,"platform_share":0.3333333333333333}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/general-hecm-comparison/guild-mortgage.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/general-hecm-comparison/guild-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-A35F37DD2515","title":"Guild Mortgage Review for HECM 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.","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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","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 21:18:14.17841+00","research_date":"2026-09-29","source_snapshot_sha256":"9e1b80114f9339bdf51810ed7a5aff2473c1248de60f553d0f9baea048177a9a","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":18,"qualified_finalists":10,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Guild Mortgage is a mixed-to-good fit for a general HECM reverse mortgage comparison. It was named by 2 of 6 platforms during the ranking stage (33% of included platform responses), with an average listed rank of 3.5 and a best rank of 3. Its strongest case is product breadth: Guild publicly offers FHA-insured HECMs under its Flex Payment Mortgage brand, including fixed- and adjustable-rate structures, HECM for Purchase, and HECM refinancing (, -2, ). The main limitation is pricing transparency: Guild does not publish HECM rates or a complete HECM fee schedule, and no supplied evidence…","target_buyer":"Homeowners 62+ with substantial equity considering a standard FHA-insured HECM for general retirement liquidity.","topic":{"base_category":"Reverse Mortgage Lenders","category_criteria":["HECM volume and experience","interest rates and fees","loan officer expertise","customer satisfaction","product availability"],"geography":"United States","slug":"best-overall-reverse-mortgage-lenders-hecm","title":"Best Overall Reverse Mortgage Lenders (HECM)","use_case":"general HECM reverse mortgage comparison"}}