Chi Ton Cong Nguyen and Dr. Victoria N. Deantrans. 2025. Identifying Optimal Innovative Machine Learning Models for Predicting U.S. Mortgage Loan Defaults: A Comparative Analysis. International Journal of Innovative Technology and Exploring Engineering (IJITEE). 14, 10 (Sep. 2025), 1–8. DOI:https://doi.org/10.35940/ijitee.I1127.14100925.