<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Core Pages -->
  <url>
    <loc>https://loanini.com/</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://loanini.com/find</loc>
    <changefreq>hourly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://loanini.com/for-loan-officers</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://loanini.com/tools</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://loanini.com/learn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://loanini.com/ai-assistant</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- State Pages (local SEO) -->
  <url><loc>https://loanini.com/find?state=CA</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://loanini.com/find?state=TX</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://loanini.com/find?state=FL</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://loanini.com/find?state=NY</loc><changefreq>daily</changefreq><priority>0.8</priority></url>
  <url><loc>https://loanini.com/find?state=WA</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=CO</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=AZ</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=GA</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=NC</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=IL</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=OH</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=MI</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=PA</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=NJ</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=VA</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?state=MN</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=OR</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=TN</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=SC</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=NV</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=UT</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=MD</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=CT</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=MA</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=IN</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=MO</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=WI</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=KY</loc><changefreq>daily</changefreq><priority>0.6</priority></url>
  <url><loc>https://loanini.com/find?state=AL</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=LA</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=OK</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=KS</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=AR</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=IA</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=MS</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=NE</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=NM</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=ID</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=HI</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=ME</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=NH</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=RI</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=VT</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=DE</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=ND</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=SD</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=WY</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=MT</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=AK</loc><changefreq>daily</changefreq><priority>0.5</priority></url>
  <url><loc>https://loanini.com/find?state=WV</loc><changefreq>daily</changefreq><priority>0.5</priority></url>

  <!-- Loan Type Pages -->
  <url><loc>https://loanini.com/find?loan_type=conventional</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?loan_type=fha</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?loan_type=va</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?loan_type=jumbo</loc><changefreq>daily</changefreq><priority>0.7</priority></url>
  <url><loc>https://loanini.com/find?loan_type=refinance</loc><changefreq>daily</changefreq><priority>0.7</priority></url>

  <!-- Dynamic officer profiles are injected server-side or by a script -->
  <!-- Officer profile pages: /officer/:id and /lo/:id -->

</urlset>
