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  <!-- Homepage -->
  <url>
    <loc>https://ratecompas.com/</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Calculators hub -->
  <url>
    <loc>https://ratecompas.com/run-the-numbers.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Calculators -->
  <url>
    <loc>https://ratecompas.com/personal-loan-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/mortgage-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/auto-loan-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/student-loan-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/debt-consolidation-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/credit-card-payoff-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/refinance-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/heloc-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/payoff-calculator.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog index -->
  <url>
    <loc>https://ratecompas.com/blog.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Articles -->
  <url>
    <loc>https://ratecompas.com/what-is-a-good-apr.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/how-much-house-can-i-afford.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/how-to-pay-off-car-loan-faster.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/is-debt-consolidation-worth-it.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/how-to-pay-off-credit-card-debt-fast.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/when-should-you-refinance.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Utility / trust pages -->
  <url>
    <loc>https://ratecompas.com/about.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/advertiser-disclosure.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/methodology.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/privacy.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/terms.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://ratecompas.com/disclaimer.html</loc>
    <lastmod>2026-04-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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