Type Ia supernova (SN Ia) cosmology relies on the estimation of light-curve parameters to derive precision distances, which are used to infer cosmological parameters such as $H_0$, $ and $w$. The empirical SALT2 light-curve modeling that relies on only two parameters, a stretch $x_1$ and a color $c$, has been used by the community for almost two decades. We study the ability of the SALT2 model to fit the nearly 3000 cosmology-grade SN Ia light curves from the second release of the Zwicky Transient Facility (ZTF) cosmology science working group. While the ZTF data were not used to train SALT2, the algorithm models the ZTF SN Ia optical light curves remarkably well, except for light-curve points prior to $-10$ d from maximum, where the training critically lacks data. We find that the light-curve fitting is robust against the considered choice of phase range, but we show that the $ $ d range is optimal in terms of statistics and accuracy. We do not detect any significant features in the light-curve fit residuals that could be connected to the host environment. Potential systematic uncertainties associated tp population differences related to the SN Ia host properties might thus not be accountable for by the inclusion of addition of light-curve parameters. However, a small but significant inconsistency between residuals of blue and red SN Ia strongly suggests the existence of a phase-dependent color term, with potential implications for the use of SNe Ia in precision cosmology. We thus encourage further work in this area to explore this possibility, and we emphasize that SN Ia cosmology must include a SALT2 retraining to accurately model the light curves and avoid biasing the derivation of cosmological parameters.
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