{"citations":{"source_mix":{"company_owned":8,"independent":24,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":4,"partial":7},"total_sources":32,"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 Physician Mortgage Loan Lenders","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":"physician loan high student debt","subject":"Bank of America","unit":"rank","value":1},{"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":"Bank of America","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Bank of America","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","grok","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Bank of America","unit":"platforms","value":3}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.2857142857142858,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Bank of America","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/physician-loan-high-student-debt/bank-of-america.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/physician-loan-high-student-debt/bank-of-america","report_type":"fit_review","study_id":"MCI-STUDY-B84FF27A4FF6","title":"Bank of America Review for Physician Loans and Student Debt"},"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 12:04:03.923197+00","research_date":"2026-09-29","source_snapshot_sha256":"d4047ba96dac7414b68629c542031434669ea5a8a691a2b18dab6658e7e1e9f2","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":14,"qualified_finalists":4,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Bank of America is a good fit for a physician with high student debt who can document a 3%–15% down payment, hold 4–12 months of PITIA reserves, and open a Bank of America deposit account before closing. All seven platforms named Bank of America in the ranking stage — 100% of included platform responses — at an average listed rank of 1.29 and a best rank of 1. Its strongest asset is a Doctor Loan that may exclude student debt from the total-debt calculation and permits closing up to 90 days before employment starts. The main limitation: no platform verified a true 0% down tier, and PMI…","target_buyer":"A physician, dentist, or medical resident with high future earning potential but heavy student loan debt.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["physician loan program availability","student loan debt treatment","no PMI options","low or zero down payment terms","income projection flexibility for residents"],"geography":"United States","slug":"best-physician-mortgage-loan-lenders","title":"Best Physician Mortgage Loan Lenders","use_case":"physician loan high student debt"}}