Chi Ton Cong Nguyen, and Dr. Victoria N. Dean , trans. “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, no. 10 (September 30, 2025): 1–8. Accessed October 8, 2025. https://journals.blueeyesintelligence.org/index.php/ijitee/article/view/879.