{"citations":{"source_mix":{"company_owned":23,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":38,"partial":6},"total_sources":44,"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 Reverse Mortgage Lenders for Protecting a Non-Borrowing Spouse","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"non-borrowing spouse protection reverse mortgage","subject":"Finance of America","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Finance of America","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Finance of America","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":"good","subject":"Finance of America","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Finance of America","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.4285714285714284,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Finance of America","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/non-borrowing-spouse-protection/finance-of-america.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/non-borrowing-spouse-protection/finance-of-america","report_type":"fit_review","study_id":"MCI-STUDY-E3E24B89D0C2","title":"Finance of America Review for Protecting a Non-Borrowing Spouse"},"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 23:29:26.365982+00","research_date":"2026-09-29","source_snapshot_sha256":"0942e2a8b55044580ee82ebf0b50de01300a714a36863a5ff48f0f05fa5c0f94","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":7,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Finance of America is a good — not clearly best-in-class — fit for a married couple using a reverse mortgage to protect a younger, non-borrowing spouse, provided the loan is an FHA-insured HECM. All seven platforms that reached the ranking stage named Finance of America, and its strongest advantage is that it originates the HECM product that carries HUD's statutory eligible non-borrowing spouse deferral rules, while also publishing unusually detailed NBS educational material. The main limitation is that its proprietary HomeSafe product is not the HECM program, and no reviewed public source…","target_buyer":"Married homeowners where one spouse is under 62 and must be protected under HUD non-borrowing spouse rules.","topic":{"base_category":"Reverse Mortgage Lenders","category_criteria":["non-borrowing spouse deferral expertise","documentation and compliance handling","proceeds impact of younger spouse inclusion","loan officer experience with mixed-age couples"],"geography":"United States","slug":"best-reverse-mortgage-lenders-for-protecting-a-non-borrowing-spouse","title":"Best Reverse Mortgage Lenders for Protecting a Non-Borrowing Spouse","use_case":"non-borrowing spouse protection reverse mortgage"}}