{
 "generated": "2026-09-14",
 "series": "FinanceRateCalc working papers",
 "all_doi_registered": true,
 "papers": [
  {
   "n": 1,
   "ssrn": 7156938,
   "doi": "10.2139/ssrn.7156938",
   "date": "2026-07-21",
   "title": "A Public Benchmark for Consumer Mortgage AI Accuracy: Frozen Questions, Federal Ground Truth, and a Seven-System Failure Taxonomy"
  },
  {
   "n": 2,
   "ssrn": 7309319,
   "doi": "10.2139/ssrn.7309319",
   "date": "2026-08-18",
   "title": "The Door Effect: Lender Identity and Unexplained Variation in FHA Mortgage Denial Outcomes \u2014 Evidence from the Complete 2025 HMDA Record"
  },
  {
   "n": 3,
   "ssrn": 7341481,
   "doi": "10.2139/ssrn.7341481",
   "date": "2026-08-23",
   "title": "Persistent Doors: Denial-Rate Stability and Structural Breaks Across Eleven of the Largest FHA Lenders, 2018-2025"
  },
  {
   "n": 4,
   "ssrn": 7423798,
   "doi": "10.2139/ssrn.7423798",
   "date": "2026-09-06",
   "title": "What Denial Rates Cannot See: Four Measurement Boundaries in the HMDA Record"
  }
 ],
 "author": "Yeti\u015f, Ziya",
 "note": "All four are open access on SSRN and DOI-registered. The fourth bounds the first three."
}