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  <!-- ── Core pages ── -->
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    <loc>https://mortgagedefender.net/</loc>
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  <!-- ── State landing pages ── -->
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    <loc>https://mortgagedefender.net/washington</loc>
    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
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    <loc>https://mortgagedefender.net/texas</loc>
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    <loc>https://mortgagedefender.net/tennessee</loc>
    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
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    <loc>https://mortgagedefender.net/idaho</loc>
    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
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    <loc>https://mortgagedefender.net/florida</loc>
    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- ── Blog ── -->
  <url>
    <loc>https://mortgagedefender.net/blog</loc>
    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
    <loc>https://mortgagedefender.net/blog/how-mortgage-protection-insurance-works</loc>
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    <loc>https://mortgagedefender.net/blog/term-life-vs-mortgage-protection-insurance</loc>
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    <loc>https://mortgagedefender.net/blog/what-happens-to-your-mortgage-when-you-die</loc>
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    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
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    <priority>0.7</priority>
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  <url>
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  <url>
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    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- ── Legal & policy pages ── -->
  <url>
    <loc>https://mortgagedefender.net/privacy-policy</loc>
    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
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    <loc>https://mortgagedefender.net/cookie-policy</loc>
    <lastmod>2026-06-05T00:07:35.664Z</lastmod>
    <changefreq>yearly</changefreq>
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