<?xml version="1.0" encoding="UTF-8"?>
<!--
  Master sitemap index. Hand-maintained: there is no next-sitemap config and no postbuild hook.

  FLAT BY REQUIREMENT. sitemaps.org 0.9 forbids a sitemap index from listing another sitemap index,
  so every child here must be a <urlset>, never a <sitemapindex>. This file used to list
  sitemap-rss/sitemap-{branch,zip-loan}-content-index.xml, which are themselves indexes.
  robots.txt may still advertise those index files — a robots.txt `Sitemap:` directive is allowed to
  point at an index; only nesting INSIDE an index is not.

  lastmod policy — a value here claims when the CHILD FILE last changed, so only put one on children
  whose change dates we can keep honest from a committed file:
    * sitemap-0.xml and the sitemap-rss content children change only when someone regenerates and
      promotes, so a committed date stays true until the next promote. Update it in the SAME change
      that promotes (see sitemap_generation/UPLOAD.md step 6).
    * the two news/ sitemaps are rewritten DAILY by the mortgage-newsletter Cloud Function, so any
      date committed here is wrong within 24h. Omitted deliberately — no lastmod lets Google use its
      own (frequent) news crawl cadence, whereas a stale one understates freshness on the most
      latency-sensitive surface we have. Do not "fix" this by adding a date.

  ⚠️ The content children below are the CURRENT live set. The generator now splits each surface by
  loan type and branch depth, so the next promote replaces these three with eight:
  sitemap-zip-loan-content-{home-equity,mortgage,personal,student,vehicle}-loans-1.xml and
  sitemap-branch-content-{lender,state,branch}-1.xml. This list must be rewritten in that same
  change or the master will point at files that no longer exist.
-->
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<sitemap><loc>https://www.lendmesh.com/sitemap-0.xml</loc><lastmod>2026-08-27</lastmod></sitemap>
<sitemap><loc>https://www.lendmesh.com/sitemap-rss/sitemap-branch-content-1.xml</loc><lastmod>2026-06-25</lastmod></sitemap>
<sitemap><loc>https://www.lendmesh.com/sitemap-rss/sitemap-zip-loan-content-1.xml</loc><lastmod>2026-06-25</lastmod></sitemap>
<sitemap><loc>https://www.lendmesh.com/sitemap-rss/sitemap-zip-loan-content-2.xml</loc><lastmod>2026-06-25</lastmod></sitemap>
<sitemap><loc>https://www.lendmesh.com/sitemap-rss/news/news-sitemap.xml</loc></sitemap>
<sitemap><loc>https://www.lendmesh.com/sitemap-rss/news/news-sitemap-history.xml</loc></sitemap>
</sitemapindex>
