{"citations":{"source_mix":{"company_owned":7,"independent":16,"unclear":3},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":9},"total_sources":26,"unique_domain_count":16},"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":["deepseek","grok","perplexity"],"predicate":"final_consensus_rank","qualifier":"low-fee cost-conscious reverse mortgage comparison","subject":"Open Mortgage","unit":"rank","value":7},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok","perplexity"],"predicate":"platform_mentions","qualifier":"out of 6","subject":"Open Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Open Mortgage","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Open Mortgage","unit":"platforms","value":1},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Open Mortgage","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.333333333333333,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":7,"name":"Open Mortgage","platform_mentions":3,"platform_share":0.5}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/low-fee-reverse-mortgage/open-mortgage.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/low-fee-reverse-mortgage/open-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-91C34D3F1DBC","title":"Open 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 21:43:34.437748+00","research_date":"2026-09-29","source_snapshot_sha256":"84ceb19408570d515b6064f052fa7daf44d22decc85ebb9977cdacbdd7ce93d2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":20,"qualified_finalists":8,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Open Mortgage is a mixed-to-weak fit for a low-fee cost-conscious reverse mortgage comparison. Three of six platforms named it during the ranking stage (50% share), at an average listed rank of 5.33 and a best rank of 3. The strongest reason to consider it is a company-stated no-servicing-fee HECM posture, which directly targets ongoing cost. The main limitation is decisive: one platform reports Open Mortgage closed its reverse mortgage division in November 2023, and no platform verified a current 2026 fee schedule, lender credits, or total-cost advantage. Treat Open Mortgage as a quote to…","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"}}