<?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">
  <!-- Homepage -->
  <url>
    <loc>https://ratemylenders.ca/</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Prime Banks & Monolines Gated Scorecard Previews -->
  <url>
    <loc>https://ratemylenders.ca/?lender=scotiabank</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=first-national</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=mcap</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=td</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=rbc</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=bmo</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=cibc</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=national-bank</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- B-Alternative Lenders Gated Scorecard Previews -->
  <url>
    <loc>https://ratemylenders.ca/?lender=equitable</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=home-trust</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=rfa-alt</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=haventree</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=ctc</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=bridgewater</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Credit Unions & Regional Lenders -->
  <url>
    <loc>https://ratemylenders.ca/?lender=vancity</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=coast-capital</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=meridian</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=prospera</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Private Equity & Direct Mortgage Lenders -->
  <url>
    <loc>https://ratemylenders.ca/?lender=alpine-credits</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=alta-west</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratemylenders.ca/?lender=havoc-private-lending</loc>
    <lastmod>2026-08-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
