Reverse Mortgage: AI Visibility Market Discovery Index

Benchmark Summary

Questions This Section Answers

• Who leads the Reverse Mortgage category in AI recommendation coverage?
• Which brands had the largest month-over-month coverage gains and declines?
• Did any brand movement exceed normal month-to-month variation?

Guild Mortgage led the Reverse Mortgage category in October 2026 with valid recommendation coverage of 49.3%, up from 47.6% in July 2026. The gap to the next brand, Longbridge Financial, was 5.5 percentage points, with Longbridge Financial at 43.8% in October 2026.

The largest month-over-month coverage increase was Guild Mortgage, which rose to 49.3% in October 2026 from 43.5% in September 2026. The largest month-over-month coverage decline was All Reverse Mortgage, which fell to 11.1% in October 2026 from 11.5% in September 2026.

No October 2026 changes exceeded normal month-to-month variation. The broader series movement was also contained: Fairway Independent Mortgage and Mutual of Omaha Mortgage each ended October 2026 within normal variation of their July 2026 baselines despite large single-month swings along the way. Liberty Reverse Mortgage was the only brand whose baseline-to-current decline moved beyond normal variation, falling to 3.1% in October 2026 from 7.1% in July 2026.

The benchmark began with 757 prompt-surface observations in October 2026 and produced 288 after qualification. In July 2026 it began with 710 prompt-surface observations and produced 296 after qualification.

Current Benchmark at a Glance

Qualified surface breadth counts the number of canonical AI/search surface families, out of six (ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode), with at least one qualified observation in the benchmark. Both months recorded breadth of six. August 2026 and September 2026, the intermediate months in this series, recorded 284 and 313 qualified observations respectively, both also at breadth of six.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Reverse Mortgage

Research Scope and Qualification

The public benchmark is narrower than the raw collection universe by design. The table below shows how the benchmark moved from source observations to qualified observations.

Brand-level percentages use the qualified observations as the public denominator, not the raw collection. See AI Visibility Market Discovery Methodology.

Current Brand Standings

Questions This Section Answers

• Which reverse mortgage brands rank highest on valid recommendation coverage?
• Where do the leading brands differ on top-three and rank-one rates?

This table is the primary current-month benchmark view, sorted by valid recommendation coverage.

How to Read the Standings

• Presence rate: the share of qualified observations where the brand is mentioned at all.
• Valid recommendation coverage: the share of qualified observations where the brand receives a valid recommendation.
• Top-three rate: the share of qualified observations where the brand appears in the first three recommended positions.
• Rank-one rate: the share of qualified observations where the brand is the first recommendation.
• Net sentiment: the balance of positive over negative brand mentions, on a scale from -1.0 to 1.0.

For formulas and denominator rules, see AI Visibility Market Discovery Metric Definitions.

Recommendation Coverage Movement

Questions This Section Answers

• Which reverse mortgage brands gained or lost recommendation coverage since July 2026?
• Which brand's decline moved beyond normal month-to-month variation?

The table below shows movement in valid recommendation coverage from July 2026 to October 2026.

August 2026 and September 2026 were the intermediate months in this series. Guild Mortgage, Fairway Independent Mortgage, Finance of America Reverse, Longbridge Financial, and Mutual of Omaha Mortgage each rose in the most recent month, with Guild Mortgage up to 49.3% in October 2026 from 43.5% in September 2026 and Longbridge Financial up to 43.8% from 38.7%. Open Mortgage declined in both September 2026 and October 2026, producing a two-month downward streak, and All Reverse Mortgage declined across the same two months.

Largest Increase: Guild Mortgage

Guild Mortgage recorded the largest coverage increase of the series, rising to 49.3% in October 2026 from 47.6% in July 2026, a gain of 1.7 percentage points that was within normal month-to-month variation. The October 2026 reading follows a 5.8 point rise from 43.5% in September 2026 and marked a second consecutive month of increase. The valid recommendation count was 142 in October 2026, up from 141 in July 2026.

Largest Decline: Liberty Reverse Mortgage

Liberty Reverse Mortgage declined to 3.1% in October 2026 from 7.1% in July 2026, a drop of 4.0 percentage points that moved beyond normal month-to-month variation. Presence rate also moved beyond normal variation, falling to 3.8% from 8.1% over the same period. The valid recommendation count was 9 in October 2026, down from 21 in July 2026, which limits the strength of the conclusion.

Category Leader: Guild Mortgage

Guild Mortgage led the category in October 2026 with valid recommendation coverage of 49.3%, up from 47.6% in July 2026. The gain of 1.7 percentage points was within normal month-to-month variation. Guild Mortgage held the lead in July 2026, Finance of America Reverse held it in August 2026, and Guild Mortgage regained it in September 2026 and held it in October 2026. The top-three rate of 14.6% and rank-one rate of 3.8% in October 2026 both moved within normal variation from the July 2026 baseline.

Stable Brands

All Reverse Mortgage, American Advisors Group (AAG), Fairway Independent Mortgage, Finance of America Reverse, Guild Mortgage, HighTechLending, Longbridge Financial, Mutual of Omaha Mortgage, and Open Mortgage were all classified as stable from July 2026 to October 2026, with changes within normal month-to-month variation.

Recommendation Placement Snapshot

Questions This Section Answers

• How do top-three and rank-one rates compare across the leading reverse mortgage brands?
• Can similar recommendation coverage hide very different first-position rates?

Coverage alone does not show how prominently a brand is recommended. The table below shows placement rates for the leading brands in October 2026.

Finance of America Reverse and Longbridge Financial showed similar top-three rates in October 2026, but Finance of America Reverse was far more likely to appear in the first position, with a 34.7% rank-one rate versus 8.0% for Longbridge Financial. This shows that similar coverage can hide very different first-position rates.

Buyer-Intent Distribution

All qualified observations in both months fell into the brand recommendation class.

The current public series measures brand recommendation discovery only and does not yet contain qualified observations in the pricing and value or multi-brand comparison classes.

Historical Measurement Record

This is an evergreen benchmark URL. New measurements are added to the same report.

Evidence and Source Layer

The benchmark is built from prompt-level observations that retain the query, AI/search surface, answer, brand outcome, recommendation placement, sentiment, and, where exposed, citations or attributable evidence sources. Source presence is evidence about the information environment. It is not automatically proof that the source caused the recommendation.

Scope Boundaries

This public benchmark does not measure:

• Market share or sales attribution
• Every possible AI response
• Organic-search ranking
• Social mention volume
• Private or sponsored channels
• Causality from a metric movement alone

Top 10 Cited Domains

Questions This Section Answers

• Which domains do AI platforms cite most often in reverse mortgage responses?
• How concentrated are citations among the leading domains?
• Do any tracked brands' own domains appear among the most-cited sources?

AI platform responses in this measurement period produced 5,447 citations across 879 unique domains.

Citations are only mildly concentrated at the top: the leading domain accounts for 6.7% of all citations, and the ten domains shown above together account for roughly a third of the total. Two tracked brands' own domains appear in the top 10, with guildmortgage.com at 2.1% and financeofamerica.com at 2.1%. Financial news and consumer finance comparison sites dominate the list, with cnbc.com, money.com, and finance.yahoo.com representing news and finance publishers and bankrate.com, nerdwallet.com, themortgagereports.com, and lendingtree.com representing review and comparison sites.

About This Benchmark

The LLM Authority Index AI Visibility Market Discovery Index tracks how often brands appear in AI-generated responses across major AI and search surfaces. This monthly benchmark measures presence, recommendation coverage, placement, and sentiment for brands within a given vertical, based on a systematic collection of prompt-surface observations.

• AI Visibility Market Discovery Methodology
• AI Visibility Market Discovery Metric Definitions
• AI Visibility Market Discovery Research Standards
• Modeled AI Visibility Authority Value

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