<?xml version="1.0" encoding="UTF-8"?>
<!--
  Canonical, indexable URLs only. Before adding an entry, confirm the page
  returns 200, sets its own title/description, and self-canonicalises to the
  exact URL listed here. Deliberately excluded:
    - /policies/:slug  canonicalises to /policy/:slug, so only that form is listed
    - /application/*   funnel steps still ship the default title; listing them
                       would re-create the duplicate-title finding
    - noindexed routes portal, auth and terminal states (see middleware/noindex.js)
    - redirects        /refresh, /faq, /login, /application, /mortgage-loans
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://www.theloanexchange.com/</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/application/mortgage-app</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/refresh/pick-your-rate</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/first-lien-home</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/calculator</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/schedule</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/get-started</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/about</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/contact</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/licenses</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/policy/disclosure</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/policy/refi-disclosure</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/policy/privacy-policy</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/policy/terms-of-use</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/policy/responsible-lending</loc>
  </url>
  <url>
    <loc>https://www.theloanexchange.com/policy/fair-lending-policy</loc>
  </url>
</urlset>
