{"citations":{"source_mix":{"company_owned":14,"independent":21,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":29,"partial":5},"total_sources":35,"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 Refinance Lenders (Reverse-to-Reverse Refinancing)","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"reverse-to-reverse mortgage refinancing","subject":"Guild Mortgage","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","kimi","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","grok","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Guild Mortgage","unit":"platforms","value":3},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","deepseek","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":["kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Guild Mortgage","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":3.3333333333333335,"best_rank":2,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"Guild Mortgage","platform_mentions":3,"platform_share":0.42857142857142855}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/reverse-mortgage-lenders/reverse-to-reverse-refinance/guild-mortgage.json","page_url":"https://mortgageconsensusindex.com/reverse-mortgage-lenders/reverse-to-reverse-refinance/guild-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-989711C96E9D","title":"Guild Mortgage Review for Reverse Mortgage Refinancing"},"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":"2026-09-30 00:09:47.495836+00","research_date":"2026-09-29","source_snapshot_sha256":"253424c464c995f0cc72d7084b6bc3c0d3326246392478e9c5e19767f7a1dc89","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Reverse mortgage lender"},"schema_version":4,"summary":"Guild Mortgage is a mixed-to-good fit for reverse-to-reverse mortgage refinancing. Three of seven platforms named Guild during the ranking stage (anthropic, kimi, perplexity), an average listed rank of 3.33 and best rank of 2. The strongest reason to consider it: Guild's own Flex Payment HECM page states an existing HECM can be refinanced for better terms, and independent coverage credits Guild with the lowest average HECM rates among large nationwide lenders (anthropic:cite-7-2). The main limitation: Guild publishes no reverse-to-reverse seasoning rule, no minimum proceeds-increase test, no…","target_buyer":"Current reverse mortgage borrowers seeking to refinance for better terms or higher proceeds.","topic":{"base_category":"Reverse Mortgage Lenders","category_criteria":["reverse-to-reverse refinance program availability","cost-benefit calculation transparency","seasoning requirement handling","proceeds increase eligibility"],"geography":"United States","slug":"best-reverse-mortgage-refinance-lenders-reverse-to-reverse-refinancing","title":"Best Reverse Mortgage Refinance Lenders (Reverse-to-Reverse Refinancing)","use_case":"reverse-to-reverse mortgage refinancing"}}