{"citations":{"source_mix":{"company_owned":23,"independent":23,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":43,"partial":4},"total_sources":47,"unique_domain_count":27},"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","perplexity"],"predicate":"final_consensus_rank","qualifier":"non-borrowing spouse protection reverse mortgage","subject":"Guild Mortgage","unit":"rank","value":8},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Guild Mortgage","unit":"platforms","value":3},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guild Mortgage","unit":"platforms","value":2},{"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},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Guild Mortgage","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":6.666666666666667,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":8,"name":"Guild Mortgage","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/non-borrowing-spouse-protection/guild-mortgage.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/non-borrowing-spouse-protection/guild-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-79216162C780","title":"Guild Mortgage 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.","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 23:40:12.093279+00","research_date":"2026-09-29","source_snapshot_sha256":"5569ce5b807ba83b4fddd728ee66ff9634bf5df64ae67d504d1d414ddf6cd78b","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":21,"qualified_finalists":7,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Guild Mortgage is a mixed-to-good fit for a non-borrowing spouse protection reverse mortgage, depending on how much documented specialization the buyer requires. Three of seven platforms named Guild during the ranking stage, at an average listed rank of 6.7 and a best rank of 2. The strongest reason to consider Guild is that it offers FHA-insured HECM products and absorbed a top-10 HECM originator's reverse-mortgage division through its 2023 Cherry Creek acquisition. The main limitation is that no reviewed public source documents Guild's specific non-borrowing spouse documentation workflow,…","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"}}