@article{predictingmortgagedefaultwithmachinelear,
  title = {Predicting Mortgage Default with Machine Learning: AutoML, Class Imbalance, and Leakage Control},
  author = {Xianghong Hu and Tianning Xu and Ying Chen and Shuai Wang},
  year = {2026},
  eprint = {2602.00120},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2602.00120},
}