Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Pennymac

pennymac.com

Mortgage and home lendingLending and credit

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
1,652 of 2,219
its rank by overall score
Place in its category
9th of 10 mortgage lenders
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for Pennymac

AI assistants do not name this mortgage lender in any of the 60 answers to everyday market questions. Its overall score is 26 out of 100, ranking 1,652nd of 2,219 companies. The company’s website passes 4 of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Pennymac by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 56th of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
26Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality80
  • AI readiness29
Summary of account
Named by AI in
0.0%
0 of 60 answers
Share of mentions
0.0%
of the mentions of it and its 5 peers
AI readiness
4/14
technical checks passed. Typical for its sector: 4
Rank in its sector
65 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Pennymac came up on 0 of 15 questions. Open any window to read that answer.

  1. 01Are home equity loans a good option for accessing cash for renovations?0/4
  2. 02How does a conventional home loan compare to an FHA loan for buyers with lower credit scores?0/4
  3. 03How can cash-out refinancing be used to pay off high-interest credit card debt?0/4
  4. 04How do mortgage interest rates vary between conventional and jumbo home loans?0/4
  5. 05Which mortgage companies offer the easiest online pre-approval process?0/4
  6. 06What alternatives exist if I don't qualify for a traditional home purchase loan?0/4
  7. 07What loan options are available for buying a home with a smaller down payment?0/4
  8. 08Is refinancing your mortgage worth it when interest rates drop?0/4
  9. 09What are typical closing costs for refinancing a home loan in the US?0/4
  10. 10What are some alternatives to home equity lines of credit for accessing equity?0/4
  11. 11What are the best mortgage lenders for first-time home buyers in the US?0/4
  12. 12What's the difference between adjustable rate and fixed rate mortgages for home purchases?0/4
  13. 13What should I do if my mortgage application gets denied due to income verification issues?0/4
  14. 14Are there any low- or no-down payment options other than FHA loans?0/4
  15. 15How can I fix a low appraisal when applying for a home refinance loan?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 0/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Gemini actually said

The company is not named in this answer

Geminidid not name the company

“Which mortgage companies offer the easiest online pre-approval process?”

Many mortgage companies offer streamlined online pre-approval processes to help homebuyers understand their borrowing power quickly. Some of the lenders known for their easy online pre-approval processes include:

Capital Bank: Capital Bank offers a "QuickClose" process that allows you to apply for mortgage pre-approval online from any device. It's designed to be simple and fast, automatically verifying income and assets, and providing a quick underwriter review to match loan options to your budget.

SoFi: SoFi provides a quick and easy online pre-approval process, allowing you …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Named instead

CompanyTimes named
  1. 01
    Rocket Mortgage
    9
  2. 02
    Better Mortgage
    4
  3. 03
    loanDepot
    1

Share of mentions

CompanyShare
  1. Rocket Mortgage
    63.6%
  2. Better Mortgage
    18.2%
  3. loanDepot
    9.1%
  4. Guaranteed Rate
    9.1%
  5. Pennymac
    0.0%
  6. CrossCountry Mortgage
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bankrate.com
    38
  2. 02
    rocketmortgage.com
    35
  3. 03
    chase.com
    21
  4. 04
    consumerfinance.gov
    21
  5. 05
    nerdwallet.com
    19
  6. 06
    lower.com
    18
  7. 07
    amerisave.com
    14
  8. 08
    zillow.com
    11
  9. 09
    cnbc.com
    9
  10. 10
    wellsfargo.com
    9

Pennymac is in the study as a mortgage lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
0/15
Perplexity
0/15
Claude
0/15
OpenAI
0/15
Market comparisonSection 06

How Pennymac compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
0

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
29

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with lending and credit companies

93 companies in this sector. The gold tick on each bar is the typical company.

Overall score
26
Ranks 65 of 93. Typical company: 31
Named in answers
0.0%
Ranks 56 of 93. Typical company: 3.3%
AI readiness
29
Ranks 24 of 93. Typical company: 29
Against its categorySection 08

Compared with mortgage lenders

10 companies in this category. The gold tick on each bar is the typical company.

Overall score
26
Ranks 9 of 10. Typical company: 36
Named in answers
0.0%
Ranks 7 of 10. Typical company: 3.3%
AI readiness
29
Ranks 2 of 10. Typical company: 21
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Pennymac publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogCould not check
  • llms.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
50 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogCould not check

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 38 of 100 · 92% of checks could run · checked on October 9, 2026 · www.pennymac.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

4 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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End of statement
All 2,219 companiesHow we measured this
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