{"citations":{"source_mix":{"company_owned":9,"independent":16,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":23,"partial":3},"total_sources":26,"unique_domain_count":14},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Low-Fee Reverse Mortgage Lenders","unit":"platforms","value":6},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"low-fee cost-conscious reverse mortgage comparison","subject":"Guild Mortgage","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok","perplexity"],"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":["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","grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Guild Mortgage","unit":"platforms","value":3},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Guild Mortgage","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":7,"best_rank":4,"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/low-fee-reverse-mortgage/guild-mortgage.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/low-fee-reverse-mortgage/guild-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-970EA8AD9EA9","title":"Guild Mortgage Review for Reverse Mortgage Costs"},"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":6,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["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 21:45:18.156928+00","research_date":"2026-09-29","source_snapshot_sha256":"49bad61fc64100a51ccf982a01f73ac15e8a7d3e1a67440d85bf71b5c125fccf","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":8,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Guild Mortgage is a mixed fit for a low-fee cost-conscious reverse mortgage comparison. Two of six platforms named Guild during the ranking stage, with an average listed rank of 7.0 and a best rank of 4. The strongest reason to consider Guild is independent recognition for competitive interest rates, which slow balance growth over the loan's life (google:money2026bestreverse, ). The main limitation is that Guild does not publish HECM-specific origination fees, servicing fees, or lender credits, and one review reports the company declined to share fees . Treat Guild as one quote among at…","target_buyer":"Homeowners 62+ prioritizing minimizing total loan costs over other features.","topic":{"base_category":"Reverse Mortgage Lenders","category_criteria":["origination fee levels","closing cost transparency","servicing fees","lender credits","total cost over loan life"],"geography":"United States","slug":"best-low-fee-reverse-mortgage-lenders","title":"Best Low-Fee Reverse Mortgage Lenders","use_case":"low-fee cost-conscious reverse mortgage comparison"}}