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 "citation": "@article{yetis2026benchmark,\n  author  = {Yeti{\\c{s}}, Ziya},\n  title   = {A Public Benchmark for Consumer Mortgage AI Accuracy: Frozen Questions, Federal Ground Truth, and a Seven-System Failure Taxonomy},\n  journal = {SSRN Working Paper},\n  year    = {2026},\n  doi     = {10.2139/ssrn.7156938},\n  url     = {https://doi.org/10.2139/ssrn.7156938}\n}",
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