<?xml version="1.0" encoding="UTF-8"?>
<!--
  Park Cities Lending sitemap.

  THE RULE THIS FILE NOW FOLLOWS
  Every URL listed here returns a self canonical, indexable document. A URL
  that renders a meta robots noindex directive does not belong in a sitemap,
  because the two signals contradict each other: the sitemap asks a search
  engine to prioritise a page that the page itself asks to be ignored.

  WHAT WAS REMOVED, AND WHY
  /apply was listed at priority 0.8 while rendering
  "noindex, nofollow, noarchive, nosnippet" and client side redirecting to
  /portal/login. It also held the site's second largest concentration of
  internal link equity, 84 inbound links. The contradiction is resolved here,
  on the sitemap side, because the /apply page itself is borrower portal code
  and out of scope for this engagement by owner instruction
  (library/requirements/backlog/OWNER-DECISIONS-2026-09-10.md). The page's own
  noindex directive was left untouched by design. The separate question of
  whether /apply should ever be indexable under its own URL is an open owner
  decision (PRD-005 AC-14) and is not answered here. Removing the entry is
  correct under either answer: if the answer is no, the entry was wrong; if
  the answer is yes, the page needs to stop being noindex first, and the entry
  can return in that change.

  /texas-consumer-notice was listed at priority 0.3 while also rendering
  noindex, the same contradiction in miniature. Removed on the same basis.
  Whether a required Texas consumer disclosure should be noindex at all is a
  separate open question in PRD-005 and is deliberately not decided here.

  DELIBERATE EXCLUSIONS, RECORDED SO THE GAP IS INTENTIONAL
  The audit crawled 42 pages against 32 listed URLs and could not tell which
  absences were decisions. These are the decisions:
    /apply, /apply/lo/*, /apply/:id, /apply/:id/review, /apply/:id/documents
        borrower loan application, noindex, behind a login
    /portal/login, /portal/signup, /portal/reset-password,
    /portal/dashboard, /portal/documents, /portal/documents/:id
        borrower portal, noindex, behind a login
    /loan-options/heloc
        alias of /heloc, which it canonicalises to, so not a separate document
    /texas-consumer-notice
        renders noindex, see above
    /loan-options/investment-property
        not a route. It is a wrong slug variant of /loan-options/investment
        that src/pages/LoanDetail.tsx accepts and answers with a not found
        view. It now renders noindex so it cannot be indexed as a program page
    /learn/* article URLs
        do not exist yet. PRD-006 decides whether they get real routes

  The machine readable form of this list is src/lib/websiteRoutes.ts, and
  src/lib/websiteRoutes.test.ts fails if this file and that module disagree.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://lendingpc.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/fixed-rate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/fha</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/va</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/rehab</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/usda</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/jumbo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/first-time-buyer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/low-down-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/investment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/loan-options/refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/heloc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/pre-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/investment-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/learn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about/team</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about/team/shannon-smith</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about/team/daniel-kushner</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about/team/wes-bailey</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about/team/summer-thompson</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about/team/timothy-zorka</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about/team/jonathan-ferrell</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/about/team/dylan-da-pra</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/quote</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://lendingpc.com/accessibility</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
