{"citations":{"source_mix":{"company_owned":13,"independent":18,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":10,"partial":10},"total_sources":32,"unique_domain_count":16},"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":"Truist","unit":"rank","value":2},{"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":"Truist","unit":"platforms","value":7},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","grok","kimi","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Truist","unit":"platforms","value":4},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","perplexity"],"predicate":"fit_rating_count","qualifier":"good","subject":"Truist","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Truist","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.571428571428571,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Truist","platform_mentions":7,"platform_share":1}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/physician-loan-high-student-debt/truist.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/physician-loan-high-student-debt/truist","report_type":"fit_review","study_id":"MCI-STUDY-E4551B8252A6","title":"Truist 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 12:07:55.740732+00","research_date":"2026-09-29","source_snapshot_sha256":"4c35fc83817574b487536bb89776152e0edbc7d544c78d02667069c844651daa","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":14,"qualified_finalists":4,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Truist is a strong fit for an eligible physician, dentist, resident, intern, or fellow with high student debt who wants low or zero down payment financing and no mortgage insurance. All 7 platforms that named Truist in the ranking stage included it, and it finished with an average listed rank of 4.57 and a best rank of 1. The strongest reason to consider it is its published student-loan treatment: deferred loans may be excluded from debt-to-income calculations when deferment runs at least 12 months past closing, and reduced income-driven payments may be accepted (, -5, ). The main limitation…","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"}}