Name: Lower reviews on Experience
Rating: 4.9 (28800 reviews)
    
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  <!-- Root LO directory page -->
  <url>
    <loc>https://www.lower.com/loan-officers/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- State pages (only states with LOs or teams) -->
  
  <url>
    <loc>https://www.lower.com/loan-officers/alabama</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/arizona</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/arkansas</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/california</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/colorado</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/delaware</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/idaho</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/illinois</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/indiana</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/kentucky</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/maryland</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/michigan</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/mississippi</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/montana</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/nevada</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/new-hampshire</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/new-jersey</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/ohio</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/oregon</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/pennsylvania</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/virginia</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/washington</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
    
  <!-- Branch pages (only branches with LOs or teams) -->
  
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/alpharetta</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/alpharetta/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/antelope-valley</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/arcadia</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/arcadia/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/asheboro</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/austin</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/austin/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana/baton-rouge</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana/baton-rouge/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/new-hampshire/bedford</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/montana/billings</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/boca-raton</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/canton</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/clearwater</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/cleveland</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/cleveland/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/columbus</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/columbus/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/coral-gables</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/covington</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/dallas</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/delaware</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/delaware/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/delray-beach</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/delaware/dover</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/dublin</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/duluth</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/duluth/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/idaho/eagle</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/idaho/eagle/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/edinburg</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/emerald-isle</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/fayetteville</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/fayetteville/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/mississippi/flowood</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/mississippi/flowood/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-myers</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/kentucky/franklin</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/fresno</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/illinois/glen-carbon</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/illinois/glen-carbon/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/goldsboro</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/goldsboro/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/goose-creek</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/goose-creek/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/grayson-ga</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/greenville</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/greenville/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/greenwood</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/harrisburg</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/hendersonville</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/hendersonville/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hughes-springs</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hughes-springs/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hurst</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hurst/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/washington/kennewick</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/knoxville</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana/lake-charles</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/lakewood-ranch</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/lakewood-ranch/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/nevada/las-vegas</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/kentucky/lebanon</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/lexington</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/lexington/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/arkansas/little-rock</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/los-angeles</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/michigan/macomb</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota/maple-grove</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/marco-island</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/mcdonough</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/memphis</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/memphis/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/miami</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/miami/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/monroe</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/monroe/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/mount-pleasant</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/new-jersey/mt-laurel</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/naples</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/nashville</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/orange-beach</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/orange-beach/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/orange-county</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/orlando</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/orlando/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/oxford</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/oxford/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/arizona/phoenix</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/arizona/phoenix/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/port-isabel</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/port-isabel/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/pennsylvania/radnor</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/richardson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/rockville</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/rocky-mount</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/san-angelo</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/san-angelo/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/texas/san-antonio</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/san-fernando-valley</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/indiana/sandborn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/santa-clarita-valley</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/washington/seattle</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/sherman-oaks</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/social-circle</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/social-circle/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/staunton</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/staunton/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/tampa</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/the-west-division</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/california/the-west-division/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/oregon/tualatin</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/oregon/tualatin/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/virginia-beach</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/virginia-beach/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota/virginia-mn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/wilmington</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/wilmington/teams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/new-hampshire/wilton-nh</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <url>
    <loc>https://www.lower.com/loan-officers/florida/winter-haven</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
        
  <!-- Nu Branch detail pages -->
  
  <url>
    <loc>https://www.lower.com/loan-officers/iowa/urbandale/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/arkansas/rogers/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/myrtle-beach/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/indiana/carmel/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/iowa/davenport/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/southern-pines/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/nashville/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/lynchburg/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/kentucky/lexington-ky/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/mississippi/flowood/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/hendersonville/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/lakewood-ranch/branches/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/washington/seattle/branches/3rd-ave-ne</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota/maple-grove/branches/86th-avenue-n</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/goose-creek/branches/a-lumber-lane</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/mcdonough/branches/atlanta-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/knoxville/branches/award-winning-way</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/monroe/branches/bankers-grove-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/canton/branches/bellinger-lane</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs/branches/bonita-bay-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/beaufort/branches/boundary-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/fayetteville/branches/breezewood-ave</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/indiana/fort-wayne/branches/brotherhood-way</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hurst/branches/chadwick-court</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-myers/branches/college-parkway</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/lexington/branches/columbia-avenue</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/edinburg/branches/cornerstone-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/rockville/branches/corporate-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/naples/branches/davis-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/branches/dtc-parkway</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/arizona/phoenix/branches/e-camelback-road</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/indiana/sandborn/branches/e-college-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/tampa/branches/e-davis-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/delaware/dover/branches/east-loockerman-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/illinois/st-charles/branches/e-main-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/port-isabel/branches/e-queen-isabella-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/orlando/branches/east-robinson-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/delaware/branches/e-winter-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/emerald-isle/branches/emerald-drive</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/branches/fair-ridge-drive</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/mount-pleasant/branches/fairchild-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/winter-haven/branches/first-street-south</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hughes-springs/branches/fm-161-business-south</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/montana/billings/branches/grand-ave</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/oxford/branches/hillyer-robinson-industrial-parkway-south</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/richardson/branches/jay-ell-drive</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana/lake-charles/branches/lake-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-walton/branches/lewis-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/greenwood/branches/maxwell-avenue</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/goldsboro/branches/middle-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota/virginia-mn/branches/midway-drive</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/orlando/branches/millenia-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/harrisburg/branches/morris-dr</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/staunton/branches/n-augusta-street-and-11-north-central</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/clearwater/branches/n-belcher-road</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/washington/kennewick/branches/north-center-parkway</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/marco-island/branches/n-collier-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/richardson/branches/n-glenville-drive</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/columbus/branches/n-high-st</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/kentucky/franklin/branches/n-main-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/alpharetta/branches/north-point-parkway</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/pennsylvania/radnor/branches/n-radnor-chester-rd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/goldsboro-nc/branches/n-spence-avenue</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/nevada/las-vegas/branches/north-tenaya-way</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/california/fresno/branches/n-west-ave</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/delray-beach/branches/ne-second-avenue</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/boca-raton/branches/nw-77th-st</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/cleveland/branches/old-blairsville-road</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/california/orange-county/branches/pacific-coast-highway</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/wilmington/branches/park-avenue</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana/baton-rouge/branches/perkins-rd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/greenville/branches/pointe-circle</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/coral-gables/branches/ponce-de-leon-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/wilmington/branches/queen-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/dublin/branches/riverside-drive</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/rocky-mount/branches/roundabout-court</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/new-jersey/mt-laurel/branches/route-73-north</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/duluth/branches/satellite-blvd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/dallas/branches/sherry-lane</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/san-antonio/branches/sigma-road</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/social-circle/branches/s-cherokee-road</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/asheboro/branches/s-cox-st</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/memphis/branches/s-main-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso/branches/s-mesa-hills-dr</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/covington/branches/s-munford-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/miami/branches/sw-42nd-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/oregon/tualatin/branches/sw-72nd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/illinois/glen-carbon/branches/state-route-157</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/branches/symphony-woods-road</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/idaho/eagle/branches/w-founders-dr</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/tampa/branches/w-linebaugh-avenue</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/kentucky/lebanon/branches/west-main-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/florida/arcadia/branches/w-oak-street</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/greenville/branches/w-stone-ave</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/texas/austin/branches/west-us-290</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/orange-beach/branches/wharf-parkway-f-208</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/grayson-ga/branches/wisteria-drive</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <url>
    <loc>https://www.lower.com/loan-officers/arkansas/little-rock/branches/woodland-heights-rd</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
    
  <!-- LO detail pages -->
  
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hurst/deanna-adams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/richardson/kevin-adamson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/staunton/jake-adler</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/dublin/marco-aledia</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/beth-anderson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana/lake-charles/john-anderson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/alisa-anderson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/tampa/brian-angarone</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/washington/seattle/sean-antonius</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/clearwater/dorjan-arapi</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/california/santa-clarita-valley/irma-arteaga</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/zachary-asbell</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/duluth/brittany-ashe</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-myers/justine-assal</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/virginia-beach/lou-atkins</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/richardson/wes-avery</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/jay-avila</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/social-circle/tanner-aycock</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/social-circle/eva-aycock</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/suliman-bahrami</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/alpharetta/blaine-bailey</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/nevada/las-vegas/coby-baker</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/nevada/las-vegas/gina-baker</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-myers/cheryl-baldwin</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/clearwater/michael-baralt</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/clearwater/william-baralt</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/california/fresno/craig-barton</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/new-jersey/mt-laurel/bob-basmajian</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/oregon/tualatin/john-belli</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/california/san-fernando-valley/alan-ben-porat</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/oxford/nikki-benefield</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso/leslie-bergen</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/pennsylvania/radnor/paul-berkobin</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso/chris-berra</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-myers/amanda-berry</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/coral-gables/jorge-betancourt</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hughes-springs/kerry-bickham</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/virginia-beach/doug-bills</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/illinois/glen-carbon/jared-blasingame</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/richardson/patrick-borovay</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/columbus/sheri-bowman</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/arkansas/little-rock/mark-brandon</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana/baton-rouge/brandin-brewer</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso/stephanie-brister</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/delray-beach/farryl-brooke</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/clifford-brown</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/arcadia/melanie-brown</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs/wendy-buckingham</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/greenville/bruce-buckless</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/edinburg/ana-cabrales</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/edinburg/karina-cabrales</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/edinburg/paty-cabrales</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/washington/seattle/ty-cannon</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/edinburg/luis-g-cantu-perez</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/orange-beach/mike-carey</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/jodianne-carrino</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/virgen-caunedo</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/coral-gables/bob-chamorro</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/new-jersey/mt-laurel/george-cioci</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/new-jersey/mt-laurel/kristen-clarke</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/columbus/austin-clarkson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hurst/lonny-coffey</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/delray-beach/lisa-cohen</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/arkansas/little-rock/josh-colvin</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/arizona/phoenix/anthony-converti</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/goldsboro/avery-cornwell</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/marco-island/marc-creach</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/virginia-beach/mike-crowder</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/pennsylvania/radnor/william-cullen</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/danny-currie</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso/ronda-damon</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/indiana/sandborn/jeremy-daugherty</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-myers/nathan-davis</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/brenda-davis</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/richardson/kristi-day</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/duluth/bill-decker</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
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    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/goose-creek/sonya-pitt</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/michigan/macomb/tom-pregano</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/alpharetta/chris-pulliam</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso/joe-quiroz</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/neeley-ramey</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/knoxville/beckey-ramps</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/kurt-reinhardt</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota/maple-grove/paul-reschke</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/boca-raton/dana-susan-ressler</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/delaware/dover/ed-rexroth-jr</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/dallas/murdock-richard</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/orlando/todd-richards</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/duluth/doug-richards</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/jeffrey-rickard</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-myers/deanna-rivera</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs/shannon-rodriguez</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/new-jersey/mt-laurel/erick-rodriguez</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/goldsboro/nikki-rogers</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/michigan/macomb/dante-rosa</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/mount-pleasant/linda-roudebush</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/delray-beach/daniel-rubio</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota/maple-grove/tim-ryan</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/mcdonough/sammi-sammis</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/memphis/jill-samsel</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/nashville/jeff-sanderlin</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/california/santa-clarita-valley/chanai-santiago</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/delray-beach/andrew-sassen</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota/maple-grove/jeff-scherber</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs/jimmy-seewald</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/columbus/leah-severt</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/paul-shapiro</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/knoxville/adam-shelton</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/lakewood-ranch/kyndall-shinn</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs/becky-sikorski</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/jackie-simpson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/new-jersey/mt-laurel/gabriela-slazak</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/jim-smith</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/austin/stacey-smith</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/sterling-smith</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/fort-myers/isabel-sosa</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/orlando/patrick-srichaiyan</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/tampa/michelle-marie-stapleton</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/delaware/nick-steinhauer</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/hendersonville/jeff-stine</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso/heather-stokes</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/kelli-strott</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/arkansas/little-rock/matt-sullivan</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/kentucky/franklin/tim-summers</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/elpaso/michael-swopes</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/arizona/phoenix/amber-tanner</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/san-angelo/jill-taylor</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/goose-creek/beth-teague</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/winter-haven/david-thornton</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/california/sherman-oaks/joe-tishkoff</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/columbus/jack-tomlinson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/goose-creek/sammi-tuck</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/lakewood-ranch/mike-tullio</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/elizabeth-turra</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/minnesota/virginia-mn/vickie-tuskan</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/silvia-untiveros</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/california/santa-clarita-valley/tony-valdez</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/oscar-valenzuela</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/orlando/chris-velasquez</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/goose-creek/travis-walthall</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/nashville/amelia-watts</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/claudia-weaver-lopez</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/california/san-fernando-valley/taylor-weiner</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/wilmington/mitchell-wells</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/new-hampshire/bedford/patrick-wesson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs/lola-wesson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/naples/mike-wesson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/jesse-whitacre</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/hannah-whitacre</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/colorado/greenwood-village/shari-whitson-pfeifer</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/illinois/glen-carbon/karylle-wike</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/arkansas/little-rock/eric-williams</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/maryland/columbia/shawn-wilson</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/arcadia/jacqualine-wolcott</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/delray-beach/renata-wolfe</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/montana/billings/trina-wood</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/sam-yow</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/san-antonio/carla-zammiello</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/tampa/ryan-zilly</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
      
  <!-- Team detail pages -->
  
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/staunton/teams/adler-mortgage-team</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/alpharetta/teams/alpharetta</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/louisiana/baton-rouge/teams/baton-rouge</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/bonita-springs/teams/bonita-springs</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/oregon/tualatin/teams/capital-hill-group</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/duluth/teams/duluth</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/fayetteville/teams/fayetteville</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/mississippi/flowood/teams/flowood</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/san-angelo/teams/go-to-lending</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/hendersonville/teams/greater-nashville-team</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/greenville/teams/greenville</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/port-isabel/teams/greg-jones-team</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/virginia-beach/teams/harris-home-run</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hurst/teams/hurst</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/illinois/glen-carbon/teams/kwike</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/memphis/teams/memphis</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/miami/teams/miami</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/virginia/fairfax/teams/mid-atlantic-team</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/monroe/teams/monroe</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/tennessee/hendersonville/teams/north-nashville-team</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/orange-beach/teams/orange-beach</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/orlando/teams/orlando</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/alabama/oxford/teams/oxford</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/arizona/phoenix/teams/phoenix</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/arcadia/teams/premier-lending-team</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/florida/lakewood-ranch/teams/red-door-group</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/hughes-springs/teams/signature-group</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/social-circle/teams/social-circle</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/texas/austin/teams/stacey-smith</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/georgia/cleveland/teams/hammond</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/columbus/teams/team-kiser</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/ohio/delaware/teams/team-nick-kreg</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/goldsboro/teams/team-nikki-rogers</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/goose-creek/teams/team-premier</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/idaho/eagle/teams/holsman-team</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/south-carolina/lexington/teams/the-home-loan-team</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/california/the-west-division/teams/west-division</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
  <url>
    <loc>https://www.lower.com/loan-officers/north-carolina/wilmington/teams/wilmington</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
      
</urlset>

      Root Directory
      
            https://www.lower.com/loan-officers/
          
      States
      
                https://www.lower.com/loan-officers/alabama
              
                https://www.lower.com/loan-officers/arizona
              
                https://www.lower.com/loan-officers/arkansas
              
                https://www.lower.com/loan-officers/california
              
                https://www.lower.com/loan-officers/colorado
              
                https://www.lower.com/loan-officers/delaware
              
                https://www.lower.com/loan-officers/florida
              
                https://www.lower.com/loan-officers/georgia
              
                https://www.lower.com/loan-officers/idaho
              
                https://www.lower.com/loan-officers/illinois
              
                https://www.lower.com/loan-officers/indiana
              
                https://www.lower.com/loan-officers/kentucky
              
                https://www.lower.com/loan-officers/louisiana
              
                https://www.lower.com/loan-officers/maryland
              
                https://www.lower.com/loan-officers/michigan
              
                https://www.lower.com/loan-officers/minnesota
              
                https://www.lower.com/loan-officers/mississippi
              
                https://www.lower.com/loan-officers/montana
              
                https://www.lower.com/loan-officers/nevada
              
                https://www.lower.com/loan-officers/new-hampshire
              
                https://www.lower.com/loan-officers/new-jersey
              
                https://www.lower.com/loan-officers/north-carolina
              
                https://www.lower.com/loan-officers/ohio
              
                https://www.lower.com/loan-officers/oregon
              
                https://www.lower.com/loan-officers/pennsylvania
              
                https://www.lower.com/loan-officers/south-carolina
              
                https://www.lower.com/loan-officers/tennessee
              
                https://www.lower.com/loan-officers/texas
              
                https://www.lower.com/loan-officers/virginia
              
                https://www.lower.com/loan-officers/washington
              
      Cities
      
                  https://www.lower.com/loan-officers/georgia/alpharetta
                
                      https://www.lower.com/loan-officers/georgia/alpharetta/teams
                    
                  https://www.lower.com/loan-officers/california/antelope-valley
                
                  https://www.lower.com/loan-officers/florida/arcadia
                
                      https://www.lower.com/loan-officers/florida/arcadia/teams
                    
                  https://www.lower.com/loan-officers/north-carolina/asheboro
                
                  https://www.lower.com/loan-officers/texas/austin
                
                      https://www.lower.com/loan-officers/texas/austin/teams
                    
                  https://www.lower.com/loan-officers/louisiana/baton-rouge
                
                      https://www.lower.com/loan-officers/louisiana/baton-rouge/teams
                    
                  https://www.lower.com/loan-officers/new-hampshire/bedford
                
                  https://www.lower.com/loan-officers/montana/billings
                
                  https://www.lower.com/loan-officers/florida/boca-raton
                
                  https://www.lower.com/loan-officers/florida/bonita-springs
                
                      https://www.lower.com/loan-officers/florida/bonita-springs/teams
                    
                  https://www.lower.com/loan-officers/georgia/canton
                
                  https://www.lower.com/loan-officers/florida/clearwater
                
                  https://www.lower.com/loan-officers/georgia/cleveland
                
                      https://www.lower.com/loan-officers/georgia/cleveland/teams
                    
                  https://www.lower.com/loan-officers/maryland/columbia
                
                  https://www.lower.com/loan-officers/ohio/columbus
                
                      https://www.lower.com/loan-officers/ohio/columbus/teams
                    
                  https://www.lower.com/loan-officers/florida/coral-gables
                
                  https://www.lower.com/loan-officers/tennessee/covington
                
                  https://www.lower.com/loan-officers/texas/dallas
                
                  https://www.lower.com/loan-officers/ohio/delaware
                
                      https://www.lower.com/loan-officers/ohio/delaware/teams
                    
                  https://www.lower.com/loan-officers/florida/delray-beach
                
                  https://www.lower.com/loan-officers/delaware/dover
                
                  https://www.lower.com/loan-officers/ohio/dublin
                
                  https://www.lower.com/loan-officers/georgia/duluth
                
                      https://www.lower.com/loan-officers/georgia/duluth/teams
                    
                  https://www.lower.com/loan-officers/idaho/eagle
                
                      https://www.lower.com/loan-officers/idaho/eagle/teams
                    
                  https://www.lower.com/loan-officers/texas/edinburg
                
                  https://www.lower.com/loan-officers/texas/elpaso
                
                  https://www.lower.com/loan-officers/north-carolina/emerald-isle
                
                  https://www.lower.com/loan-officers/virginia/fairfax
                
                      https://www.lower.com/loan-officers/virginia/fairfax/teams
                    
                  https://www.lower.com/loan-officers/north-carolina/fayetteville
                
                      https://www.lower.com/loan-officers/north-carolina/fayetteville/teams
                    
                  https://www.lower.com/loan-officers/mississippi/flowood
                
                      https://www.lower.com/loan-officers/mississippi/flowood/teams
                    
                  https://www.lower.com/loan-officers/florida/fort-myers
                
                  https://www.lower.com/loan-officers/kentucky/franklin
                
                  https://www.lower.com/loan-officers/california/fresno
                
                  https://www.lower.com/loan-officers/illinois/glen-carbon
                
                      https://www.lower.com/loan-officers/illinois/glen-carbon/teams
                    
                  https://www.lower.com/loan-officers/north-carolina/goldsboro
                
                      https://www.lower.com/loan-officers/north-carolina/goldsboro/teams
                    
                  https://www.lower.com/loan-officers/south-carolina/goose-creek
                
                      https://www.lower.com/loan-officers/south-carolina/goose-creek/teams
                    
                  https://www.lower.com/loan-officers/georgia/grayson-ga
                
                  https://www.lower.com/loan-officers/south-carolina/greenville
                
                      https://www.lower.com/loan-officers/south-carolina/greenville/teams
                    
                  https://www.lower.com/loan-officers/colorado/greenwood-village
                
                  https://www.lower.com/loan-officers/south-carolina/greenwood
                
                  https://www.lower.com/loan-officers/north-carolina/harrisburg
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville
                
                      https://www.lower.com/loan-officers/tennessee/hendersonville/teams
                    
                  https://www.lower.com/loan-officers/texas/hughes-springs
                
                      https://www.lower.com/loan-officers/texas/hughes-springs/teams
                    
                  https://www.lower.com/loan-officers/texas/hurst
                
                      https://www.lower.com/loan-officers/texas/hurst/teams
                    
                  https://www.lower.com/loan-officers/washington/kennewick
                
                  https://www.lower.com/loan-officers/tennessee/knoxville
                
                  https://www.lower.com/loan-officers/louisiana/lake-charles
                
                  https://www.lower.com/loan-officers/florida/lakewood-ranch
                
                      https://www.lower.com/loan-officers/florida/lakewood-ranch/teams
                    
                  https://www.lower.com/loan-officers/nevada/las-vegas
                
                  https://www.lower.com/loan-officers/kentucky/lebanon
                
                  https://www.lower.com/loan-officers/south-carolina/lexington
                
                      https://www.lower.com/loan-officers/south-carolina/lexington/teams
                    
                  https://www.lower.com/loan-officers/arkansas/little-rock
                
                  https://www.lower.com/loan-officers/california/los-angeles
                
                  https://www.lower.com/loan-officers/michigan/macomb
                
                  https://www.lower.com/loan-officers/minnesota/maple-grove
                
                  https://www.lower.com/loan-officers/florida/marco-island
                
                  https://www.lower.com/loan-officers/georgia/mcdonough
                
                  https://www.lower.com/loan-officers/tennessee/memphis
                
                      https://www.lower.com/loan-officers/tennessee/memphis/teams
                    
                  https://www.lower.com/loan-officers/florida/miami
                
                      https://www.lower.com/loan-officers/florida/miami/teams
                    
                  https://www.lower.com/loan-officers/georgia/monroe
                
                      https://www.lower.com/loan-officers/georgia/monroe/teams
                    
                  https://www.lower.com/loan-officers/south-carolina/mount-pleasant
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel
                
                  https://www.lower.com/loan-officers/florida/naples
                
                  https://www.lower.com/loan-officers/tennessee/nashville
                
                  https://www.lower.com/loan-officers/alabama/orange-beach
                
                      https://www.lower.com/loan-officers/alabama/orange-beach/teams
                    
                  https://www.lower.com/loan-officers/california/orange-county
                
                  https://www.lower.com/loan-officers/florida/orlando
                
                      https://www.lower.com/loan-officers/florida/orlando/teams
                    
                  https://www.lower.com/loan-officers/alabama/oxford
                
                      https://www.lower.com/loan-officers/alabama/oxford/teams
                    
                  https://www.lower.com/loan-officers/arizona/phoenix
                
                      https://www.lower.com/loan-officers/arizona/phoenix/teams
                    
                  https://www.lower.com/loan-officers/texas/port-isabel
                
                      https://www.lower.com/loan-officers/texas/port-isabel/teams
                    
                  https://www.lower.com/loan-officers/pennsylvania/radnor
                
                  https://www.lower.com/loan-officers/texas/richardson
                
                  https://www.lower.com/loan-officers/maryland/rockville
                
                  https://www.lower.com/loan-officers/north-carolina/rocky-mount
                
                  https://www.lower.com/loan-officers/texas/san-angelo
                
                      https://www.lower.com/loan-officers/texas/san-angelo/teams
                    
                  https://www.lower.com/loan-officers/texas/san-antonio
                
                  https://www.lower.com/loan-officers/california/san-fernando-valley
                
                  https://www.lower.com/loan-officers/indiana/sandborn
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley
                
                  https://www.lower.com/loan-officers/washington/seattle
                
                  https://www.lower.com/loan-officers/california/sherman-oaks
                
                  https://www.lower.com/loan-officers/georgia/social-circle
                
                      https://www.lower.com/loan-officers/georgia/social-circle/teams
                    
                  https://www.lower.com/loan-officers/virginia/staunton
                
                      https://www.lower.com/loan-officers/virginia/staunton/teams
                    
                  https://www.lower.com/loan-officers/florida/tampa
                
                  https://www.lower.com/loan-officers/california/the-west-division
                
                      https://www.lower.com/loan-officers/california/the-west-division/teams
                    
                  https://www.lower.com/loan-officers/oregon/tualatin
                
                      https://www.lower.com/loan-officers/oregon/tualatin/teams
                    
                  https://www.lower.com/loan-officers/virginia/virginia-beach
                
                      https://www.lower.com/loan-officers/virginia/virginia-beach/teams
                    
                  https://www.lower.com/loan-officers/minnesota/virginia-mn
                
                  https://www.lower.com/loan-officers/north-carolina/wilmington
                
                      https://www.lower.com/loan-officers/north-carolina/wilmington/teams
                    
                  https://www.lower.com/loan-officers/new-hampshire/wilton-nh
                
                  https://www.lower.com/loan-officers/florida/winter-haven
                
    BranchesCanonical pattern: https://www.lower.com/loan-officers/{state}/{city}/branches/{branch}

                https://www.lower.com/loan-officers/iowa/urbandale/branches/
              
                https://www.lower.com/loan-officers/arkansas/rogers/branches/
              
                https://www.lower.com/loan-officers/south-carolina/myrtle-beach/branches/
              
                https://www.lower.com/loan-officers/indiana/carmel/branches/
              
                https://www.lower.com/loan-officers/iowa/davenport/branches/
              
                https://www.lower.com/loan-officers/north-carolina/southern-pines/branches/
              
                https://www.lower.com/loan-officers/tennessee/nashville/branches/
              
                https://www.lower.com/loan-officers/virginia/lynchburg/branches/
              
                https://www.lower.com/loan-officers/kentucky/lexington-ky/branches/
              
                https://www.lower.com/loan-officers/mississippi/flowood/branches/
              
                https://www.lower.com/loan-officers/tennessee/hendersonville/branches/
              
                https://www.lower.com/loan-officers/florida/lakewood-ranch/branches/
              
                https://www.lower.com/loan-officers/washington/seattle/branches/3rd-ave-ne
              
                https://www.lower.com/loan-officers/minnesota/maple-grove/branches/86th-avenue-n
              
                https://www.lower.com/loan-officers/south-carolina/goose-creek/branches/a-lumber-lane
              
                https://www.lower.com/loan-officers/georgia/mcdonough/branches/atlanta-street
              
                https://www.lower.com/loan-officers/tennessee/knoxville/branches/award-winning-way
              
                https://www.lower.com/loan-officers/georgia/monroe/branches/bankers-grove-blvd
              
                https://www.lower.com/loan-officers/georgia/canton/branches/bellinger-lane
              
                https://www.lower.com/loan-officers/florida/bonita-springs/branches/bonita-bay-blvd
              
                https://www.lower.com/loan-officers/south-carolina/beaufort/branches/boundary-street
              
                https://www.lower.com/loan-officers/north-carolina/fayetteville/branches/breezewood-ave
              
                https://www.lower.com/loan-officers/indiana/fort-wayne/branches/brotherhood-way
              
                https://www.lower.com/loan-officers/texas/hurst/branches/chadwick-court
              
                https://www.lower.com/loan-officers/florida/fort-myers/branches/college-parkway
              
                https://www.lower.com/loan-officers/south-carolina/lexington/branches/columbia-avenue
              
                https://www.lower.com/loan-officers/texas/edinburg/branches/cornerstone-blvd
              
                https://www.lower.com/loan-officers/maryland/rockville/branches/corporate-blvd
              
                https://www.lower.com/loan-officers/florida/naples/branches/davis-blvd
              
                https://www.lower.com/loan-officers/colorado/greenwood-village/branches/dtc-parkway
              
                https://www.lower.com/loan-officers/arizona/phoenix/branches/e-camelback-road
              
                https://www.lower.com/loan-officers/indiana/sandborn/branches/e-college-street
              
                https://www.lower.com/loan-officers/florida/tampa/branches/e-davis-blvd
              
                https://www.lower.com/loan-officers/delaware/dover/branches/east-loockerman-street
              
                https://www.lower.com/loan-officers/illinois/st-charles/branches/e-main-street
              
                https://www.lower.com/loan-officers/texas/port-isabel/branches/e-queen-isabella-blvd
              
                https://www.lower.com/loan-officers/florida/orlando/branches/east-robinson-street
              
                https://www.lower.com/loan-officers/ohio/delaware/branches/e-winter-street
              
                https://www.lower.com/loan-officers/north-carolina/emerald-isle/branches/emerald-drive
              
                https://www.lower.com/loan-officers/virginia/fairfax/branches/fair-ridge-drive
              
                https://www.lower.com/loan-officers/south-carolina/mount-pleasant/branches/fairchild-street
              
                https://www.lower.com/loan-officers/florida/winter-haven/branches/first-street-south
              
                https://www.lower.com/loan-officers/texas/hughes-springs/branches/fm-161-business-south
              
                https://www.lower.com/loan-officers/montana/billings/branches/grand-ave
              
                https://www.lower.com/loan-officers/alabama/oxford/branches/hillyer-robinson-industrial-parkway-south
              
                https://www.lower.com/loan-officers/texas/richardson/branches/jay-ell-drive
              
                https://www.lower.com/loan-officers/louisiana/lake-charles/branches/lake-street
              
                https://www.lower.com/loan-officers/florida/fort-walton/branches/lewis-street
              
                https://www.lower.com/loan-officers/south-carolina/greenwood/branches/maxwell-avenue
              
                https://www.lower.com/loan-officers/north-carolina/goldsboro/branches/middle-street
              
                https://www.lower.com/loan-officers/minnesota/virginia-mn/branches/midway-drive
              
                https://www.lower.com/loan-officers/florida/orlando/branches/millenia-blvd
              
                https://www.lower.com/loan-officers/north-carolina/harrisburg/branches/morris-dr
              
                https://www.lower.com/loan-officers/virginia/staunton/branches/n-augusta-street-and-11-north-central
              
                https://www.lower.com/loan-officers/florida/clearwater/branches/n-belcher-road
              
                https://www.lower.com/loan-officers/washington/kennewick/branches/north-center-parkway
              
                https://www.lower.com/loan-officers/florida/marco-island/branches/n-collier-blvd
              
                https://www.lower.com/loan-officers/texas/richardson/branches/n-glenville-drive
              
                https://www.lower.com/loan-officers/ohio/columbus/branches/n-high-st
              
                https://www.lower.com/loan-officers/kentucky/franklin/branches/n-main-street
              
                https://www.lower.com/loan-officers/georgia/alpharetta/branches/north-point-parkway
              
                https://www.lower.com/loan-officers/pennsylvania/radnor/branches/n-radnor-chester-rd
              
                https://www.lower.com/loan-officers/north-carolina/goldsboro-nc/branches/n-spence-avenue
              
                https://www.lower.com/loan-officers/nevada/las-vegas/branches/north-tenaya-way
              
                https://www.lower.com/loan-officers/california/fresno/branches/n-west-ave
              
                https://www.lower.com/loan-officers/florida/delray-beach/branches/ne-second-avenue
              
                https://www.lower.com/loan-officers/florida/boca-raton/branches/nw-77th-st
              
                https://www.lower.com/loan-officers/georgia/cleveland/branches/old-blairsville-road
              
                https://www.lower.com/loan-officers/california/orange-county/branches/pacific-coast-highway
              
                https://www.lower.com/loan-officers/north-carolina/wilmington/branches/park-avenue
              
                https://www.lower.com/loan-officers/louisiana/baton-rouge/branches/perkins-rd
              
                https://www.lower.com/loan-officers/south-carolina/greenville/branches/pointe-circle
              
                https://www.lower.com/loan-officers/florida/coral-gables/branches/ponce-de-leon-blvd
              
                https://www.lower.com/loan-officers/north-carolina/wilmington/branches/queen-street
              
                https://www.lower.com/loan-officers/ohio/dublin/branches/riverside-drive
              
                https://www.lower.com/loan-officers/north-carolina/rocky-mount/branches/roundabout-court
              
                https://www.lower.com/loan-officers/new-jersey/mt-laurel/branches/route-73-north
              
                https://www.lower.com/loan-officers/georgia/duluth/branches/satellite-blvd
              
                https://www.lower.com/loan-officers/texas/dallas/branches/sherry-lane
              
                https://www.lower.com/loan-officers/texas/san-antonio/branches/sigma-road
              
                https://www.lower.com/loan-officers/georgia/social-circle/branches/s-cherokee-road
              
                https://www.lower.com/loan-officers/north-carolina/asheboro/branches/s-cox-st
              
                https://www.lower.com/loan-officers/tennessee/memphis/branches/s-main-street
              
                https://www.lower.com/loan-officers/texas/elpaso/branches/s-mesa-hills-dr
              
                https://www.lower.com/loan-officers/tennessee/covington/branches/s-munford-street
              
                https://www.lower.com/loan-officers/florida/miami/branches/sw-42nd-street
              
                https://www.lower.com/loan-officers/oregon/tualatin/branches/sw-72nd
              
                https://www.lower.com/loan-officers/illinois/glen-carbon/branches/state-route-157
              
                https://www.lower.com/loan-officers/maryland/columbia/branches/symphony-woods-road
              
                https://www.lower.com/loan-officers/idaho/eagle/branches/w-founders-dr
              
                https://www.lower.com/loan-officers/florida/tampa/branches/w-linebaugh-avenue
              
                https://www.lower.com/loan-officers/kentucky/lebanon/branches/west-main-street
              
                https://www.lower.com/loan-officers/florida/arcadia/branches/w-oak-street
              
                https://www.lower.com/loan-officers/south-carolina/greenville/branches/w-stone-ave
              
                https://www.lower.com/loan-officers/texas/austin/branches/west-us-290
              
                https://www.lower.com/loan-officers/alabama/orange-beach/branches/wharf-parkway-f-208
              
                https://www.lower.com/loan-officers/georgia/grayson-ga/branches/wisteria-drive
              
                https://www.lower.com/loan-officers/arkansas/little-rock/branches/woodland-heights-rd
              
    Loan OfficersCanonical pattern: https://www.lower.com/loan-officers/{state}/{branch}/{officer}

                  https://www.lower.com/loan-officers/texas/hurst/deanna-adams
                
                  https://www.lower.com/loan-officers/texas/richardson/kevin-adamson
                
                  https://www.lower.com/loan-officers/virginia/staunton/jake-adler
                
                  https://www.lower.com/loan-officers/ohio/dublin/marco-aledia
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/beth-anderson
                
                  https://www.lower.com/loan-officers/louisiana/lake-charles/john-anderson
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/alisa-anderson
                
                  https://www.lower.com/loan-officers/florida/tampa/brian-angarone
                
                  https://www.lower.com/loan-officers/washington/seattle/sean-antonius
                
                  https://www.lower.com/loan-officers/florida/clearwater/dorjan-arapi
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley/irma-arteaga
                
                  https://www.lower.com/loan-officers/maryland/columbia/zachary-asbell
                
                  https://www.lower.com/loan-officers/georgia/duluth/brittany-ashe
                
                  https://www.lower.com/loan-officers/florida/fort-myers/justine-assal
                
                  https://www.lower.com/loan-officers/virginia/virginia-beach/lou-atkins
                
                  https://www.lower.com/loan-officers/texas/richardson/wes-avery
                
                  https://www.lower.com/loan-officers/virginia/fairfax/jay-avila
                
                  https://www.lower.com/loan-officers/georgia/social-circle/tanner-aycock
                
                  https://www.lower.com/loan-officers/georgia/social-circle/eva-aycock
                
                  https://www.lower.com/loan-officers/virginia/fairfax/suliman-bahrami
                
                  https://www.lower.com/loan-officers/georgia/alpharetta/blaine-bailey
                
                  https://www.lower.com/loan-officers/nevada/las-vegas/coby-baker
                
                  https://www.lower.com/loan-officers/nevada/las-vegas/gina-baker
                
                  https://www.lower.com/loan-officers/florida/fort-myers/cheryl-baldwin
                
                  https://www.lower.com/loan-officers/florida/clearwater/michael-baralt
                
                  https://www.lower.com/loan-officers/florida/clearwater/william-baralt
                
                  https://www.lower.com/loan-officers/california/fresno/craig-barton
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/bob-basmajian
                
                  https://www.lower.com/loan-officers/oregon/tualatin/john-belli
                
                  https://www.lower.com/loan-officers/california/san-fernando-valley/alan-ben-porat
                
                  https://www.lower.com/loan-officers/alabama/oxford/nikki-benefield
                
                  https://www.lower.com/loan-officers/texas/elpaso/leslie-bergen
                
                  https://www.lower.com/loan-officers/pennsylvania/radnor/paul-berkobin
                
                  https://www.lower.com/loan-officers/texas/elpaso/chris-berra
                
                  https://www.lower.com/loan-officers/florida/fort-myers/amanda-berry
                
                  https://www.lower.com/loan-officers/florida/coral-gables/jorge-betancourt
                
                  https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham
                
                  https://www.lower.com/loan-officers/texas/hughes-springs/kerry-bickham
                
                  https://www.lower.com/loan-officers/virginia/virginia-beach/doug-bills
                
                  https://www.lower.com/loan-officers/illinois/glen-carbon/jared-blasingame
                
                  https://www.lower.com/loan-officers/texas/richardson/patrick-borovay
                
                  https://www.lower.com/loan-officers/ohio/columbus/sheri-bowman
                
                  https://www.lower.com/loan-officers/arkansas/little-rock/mark-brandon
                
                  https://www.lower.com/loan-officers/louisiana/baton-rouge/brandin-brewer
                
                  https://www.lower.com/loan-officers/texas/elpaso/stephanie-brister
                
                  https://www.lower.com/loan-officers/florida/delray-beach/farryl-brooke
                
                  https://www.lower.com/loan-officers/maryland/columbia/clifford-brown
                
                  https://www.lower.com/loan-officers/florida/arcadia/melanie-brown
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/wendy-buckingham
                
                  https://www.lower.com/loan-officers/south-carolina/greenville/bruce-buckless
                
                  https://www.lower.com/loan-officers/texas/edinburg/ana-cabrales
                
                  https://www.lower.com/loan-officers/texas/edinburg/karina-cabrales
                
                  https://www.lower.com/loan-officers/texas/edinburg/paty-cabrales
                
                  https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle
                
                  https://www.lower.com/loan-officers/texas/hughes-springs/rachael-calk
                
                  https://www.lower.com/loan-officers/washington/seattle/ty-cannon
                
                  https://www.lower.com/loan-officers/texas/edinburg/luis-g-cantu-perez
                
                  https://www.lower.com/loan-officers/alabama/orange-beach/mike-carey
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/jodianne-carrino
                
                  https://www.lower.com/loan-officers/virginia/fairfax/virgen-caunedo
                
                  https://www.lower.com/loan-officers/florida/coral-gables/bob-chamorro
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/george-cioci
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/kristen-clarke
                
                  https://www.lower.com/loan-officers/ohio/columbus/austin-clarkson
                
                  https://www.lower.com/loan-officers/texas/hurst/lonny-coffey
                
                  https://www.lower.com/loan-officers/florida/delray-beach/lisa-cohen
                
                  https://www.lower.com/loan-officers/arkansas/little-rock/josh-colvin
                
                  https://www.lower.com/loan-officers/arizona/phoenix/anthony-converti
                
                  https://www.lower.com/loan-officers/north-carolina/goldsboro/avery-cornwell
                
                  https://www.lower.com/loan-officers/florida/marco-island/marc-creach
                
                  https://www.lower.com/loan-officers/virginia/virginia-beach/mike-crowder
                
                  https://www.lower.com/loan-officers/pennsylvania/radnor/william-cullen
                
                  https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham
                
                  https://www.lower.com/loan-officers/virginia/fairfax/danny-currie
                
                  https://www.lower.com/loan-officers/texas/elpaso/ronda-damon
                
                  https://www.lower.com/loan-officers/indiana/sandborn/jeremy-daugherty
                
                  https://www.lower.com/loan-officers/florida/fort-myers/nathan-davis
                
                  https://www.lower.com/loan-officers/maryland/columbia/brenda-davis
                
                  https://www.lower.com/loan-officers/texas/richardson/kristi-day
                
                  https://www.lower.com/loan-officers/georgia/duluth/bill-decker
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/megan-deitsch
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/corey-deitsch
                
                  https://www.lower.com/loan-officers/south-carolina/greenville/lisa-depriest
                
                  https://www.lower.com/loan-officers/kentucky/franklin/stacey-depriest
                
                  https://www.lower.com/loan-officers/tennessee/memphis/kent-depriest
                
                  https://www.lower.com/loan-officers/georgia/alpharetta/brett-depriest
                
                  https://www.lower.com/loan-officers/maryland/columbia/yvonne-diallo
                
                  https://www.lower.com/loan-officers/california/los-angeles/claudia-diaz
                
                  https://www.lower.com/loan-officers/delaware/dover/debbie-dille
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/heather-dirschl
                
                  https://www.lower.com/loan-officers/virginia/fairfax/lorena-dominguez-noriega
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/tammy-dress
                
                  https://www.lower.com/loan-officers/tennessee/knoxville/ruth-dudley
                
                  https://www.lower.com/loan-officers/texas/hughes-springs/hailey-earley
                
                  https://www.lower.com/loan-officers/ohio/columbus/nate-ebling
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley/scott-edwards
                
                  https://www.lower.com/loan-officers/alabama/orange-beach/dick-edwards
                
                  https://www.lower.com/loan-officers/georgia/canton/dyan-edwards
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley/miguel-esersky
                
                  https://www.lower.com/loan-officers/california/orange-county/adriel-esparza
                
                  https://www.lower.com/loan-officers/georgia/alpharetta/rick-fantucci
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/kristina-fischer
                
                  https://www.lower.com/loan-officers/arkansas/little-rock/steve-fischer
                
                  https://www.lower.com/loan-officers/louisiana/lake-charles/brianna-floyd
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville/mclean-fowler
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/nancy-fridstein
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley/gino-fronti
                
                  https://www.lower.com/loan-officers/texas/dallas/taylor-fruge
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/marco-garofalo
                
                  https://www.lower.com/loan-officers/maryland/columbia/lisa-gaton-rapena
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/john-gavura
                
                  https://www.lower.com/loan-officers/ohio/dublin/josie-george
                
                  https://www.lower.com/loan-officers/ohio/dublin/eric-gerber
                
                  https://www.lower.com/loan-officers/ohio/dublin/kerry-gerber
                
                  https://www.lower.com/loan-officers/virginia/fairfax/libny-giron
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/elizabeth-goetsch
                
                  https://www.lower.com/loan-officers/florida/boca-raton/ira-goldberg
                
                  https://www.lower.com/loan-officers/texas/edinburg/diana-gomez
                
                  https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales
                
                  https://www.lower.com/loan-officers/texas/port-isabel/sarah-gonzalez
                
                  https://www.lower.com/loan-officers/virginia/fairfax/jose-gonzalez
                
                  https://www.lower.com/loan-officers/texas/edinburg/beronica-gonzalez
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/karen-goodwin
                
                  https://www.lower.com/loan-officers/georgia/duluth/stephen-gowen
                
                  https://www.lower.com/loan-officers/florida/delray-beach/michael-graffeo
                
                  https://www.lower.com/loan-officers/texas/elpaso/dwayne-graham
                
                  https://www.lower.com/loan-officers/washington/seattle/casey-granston
                
                  https://www.lower.com/loan-officers/tennessee/knoxville/adam-greene
                
                  https://www.lower.com/loan-officers/florida/arcadia/karen-greenwood
                
                  https://www.lower.com/loan-officers/texas/hurst/paul-greer
                
                  https://www.lower.com/loan-officers/texas/elpaso/ed-gremo
                
                  https://www.lower.com/loan-officers/texas/hurst/brandi-gross
                
                  https://www.lower.com/loan-officers/texas/hurst/jack-gross
                
                  https://www.lower.com/loan-officers/texas/hurst/erik-gross
                
                  https://www.lower.com/loan-officers/kentucky/franklin/matt-groves
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/christine-guddal-sims
                
                  https://www.lower.com/loan-officers/montana/billings/brian-hafner
                
                  https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond
                
                  https://www.lower.com/loan-officers/georgia/cleveland/heath-hammond
                
                  https://www.lower.com/loan-officers/florida/fort-myers/p-connor-hancock
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/kc-harney
                
                  https://www.lower.com/loan-officers/north-carolina/wilmington/jamie-harrington
                
                  https://www.lower.com/loan-officers/virginia/virginia-beach/joe-harris
                
                  https://www.lower.com/loan-officers/ohio/columbus/brandon-hartley
                
                  https://www.lower.com/loan-officers/washington/seattle/jenifer-hawkins
                
                  https://www.lower.com/loan-officers/north-carolina/harrisburg/earnest-m-haynes-jr
                
                  https://www.lower.com/loan-officers/louisiana/lake-charles/cody-heard
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/laura-heath
                
                  https://www.lower.com/loan-officers/florida/tampa/brian-heckman
                
                  https://www.lower.com/loan-officers/ohio/dublin/nick-hedke
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/adam-heiligman
                
                  https://www.lower.com/loan-officers/washington/seattle/casey-hendrickson
                
                  https://www.lower.com/loan-officers/north-carolina/fayetteville/sam-henrickson
                
                  https://www.lower.com/loan-officers/florida/miami/karel-hernandez
                
                  https://www.lower.com/loan-officers/north-carolina/goldsboro/blake-herring
                
                  https://www.lower.com/loan-officers/california/san-fernando-valley/dilza-herrod
                
                  https://www.lower.com/loan-officers/texas/hurst/al-hewitt
                
                  https://www.lower.com/loan-officers/texas/hughes-springs/jessica-hidalgo
                
                  https://www.lower.com/loan-officers/kentucky/lebanon/ashley-higdon
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/erica-hilla
                
                  https://www.lower.com/loan-officers/idaho/eagle/rich-holsman
                
                  https://www.lower.com/loan-officers/idaho/eagle/debbie-holsman
                
                  https://www.lower.com/loan-officers/idaho/eagle/fred-holsman
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville/rhonda-holt
                
                  https://www.lower.com/loan-officers/north-carolina/goldsboro/lilly-horne
                
                  https://www.lower.com/loan-officers/maryland/columbia/danny-horrell
                
                  https://www.lower.com/loan-officers/texas/richardson/wes-houser
                
                  https://www.lower.com/loan-officers/florida/tampa/jonathan-howard
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/donna-hudson
                
                  https://www.lower.com/loan-officers/ohio/dublin/monica-hughes
                
                  https://www.lower.com/loan-officers/idaho/eagle/michael-hull
                
                  https://www.lower.com/loan-officers/idaho/eagle/abigayle-hull
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/nicky-hungerford
                
                  https://www.lower.com/loan-officers/florida/arcadia/kristine-hutchison
                
                  https://www.lower.com/loan-officers/california/antelope-valley/edgar-ibarra
                
                  https://www.lower.com/loan-officers/florida/miami/jose-icaza
                
                  https://www.lower.com/loan-officers/georgia/duluth/jeff-ingram
                
                  https://www.lower.com/loan-officers/illinois/glen-carbon/kimberly-isom
                
                  https://www.lower.com/loan-officers/oregon/tualatin/doug-jacobson
                
                  https://www.lower.com/loan-officers/texas/elpaso/diana-jacquez
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley/josh-jarrard
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/tonya-jenkins-tj
                
                  https://www.lower.com/loan-officers/north-carolina/wilmington/kelly-jennings
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/susan-jessen
                
                  https://www.lower.com/loan-officers/tennessee/knoxville/cassie-johnson
                
                  https://www.lower.com/loan-officers/virginia/fairfax/richard-johnson
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville/tyler-johnson
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/judy-l-jones
                
                  https://www.lower.com/loan-officers/texas/port-isabel/greg-jones
                
                  https://www.lower.com/loan-officers/maryland/columbia/cary-jordan
                
                  https://www.lower.com/loan-officers/maryland/columbia/patrick-joyce
                
                  https://www.lower.com/loan-officers/georgia/canton/logan-judah
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/landon-kail
                
                  https://www.lower.com/loan-officers/maryland/rockville/kevin-kane
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/bora-karahan
                
                  https://www.lower.com/loan-officers/georgia/cleveland/john-keener-jr
                
                  https://www.lower.com/loan-officers/alabama/oxford/miranda-kelley
                
                  https://www.lower.com/loan-officers/south-carolina/greenville/danielle-kelley
                
                  https://www.lower.com/loan-officers/georgia/monroe/allen-kenknight
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/tj-kennedy
                
                  https://www.lower.com/loan-officers/ohio/columbus/brianne-kesner
                
                  https://www.lower.com/loan-officers/north-carolina/asheboro/susan-key
                
                  https://www.lower.com/loan-officers/arizona/phoenix/geordan-key
                
                  https://www.lower.com/loan-officers/maryland/columbia/rebekah-killgo
                
                  https://www.lower.com/loan-officers/north-carolina/harrisburg/rachelle-killman
                
                  https://www.lower.com/loan-officers/ohio/delaware/kreg-king
                
                  https://www.lower.com/loan-officers/ohio/columbus/reily-kiser
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/christina-klingman
                
                  https://www.lower.com/loan-officers/arizona/phoenix/tanner-kneipp
                
                  https://www.lower.com/loan-officers/mississippi/flowood/valeria-knowles
                
                  https://www.lower.com/loan-officers/south-carolina/lexington/amber-koester
                
                  https://www.lower.com/loan-officers/louisiana/baton-rouge/marcelle-kogel
                
                  https://www.lower.com/loan-officers/north-carolina/fayetteville/laura-kurtz
                
                  https://www.lower.com/loan-officers/virginia/fairfax/john-lam
                
                  https://www.lower.com/loan-officers/virginia/fairfax/susan-lawrence
                
                  https://www.lower.com/loan-officers/tennessee/covington/glenn-lazure
                
                  https://www.lower.com/loan-officers/south-carolina/greenville/shonna-lee
                
                  https://www.lower.com/loan-officers/florida/lakewood-ranch/aj-lee
                
                  https://www.lower.com/loan-officers/virginia/fairfax/diana-lemus
                
                  https://www.lower.com/loan-officers/texas/edinburg/samantha-leon
                
                  https://www.lower.com/loan-officers/virginia/fairfax/bany-leon
                
                  https://www.lower.com/loan-officers/montana/billings/tawna-leonard
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/gabby-leonard
                
                  https://www.lower.com/loan-officers/ohio/columbus/katie-lepley
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/lisa-lessard
                
                  https://www.lower.com/loan-officers/georgia/duluth/marc-levine
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/sandy-levy
                
                  https://www.lower.com/loan-officers/virginia/staunton/travis-lewis
                
                  https://www.lower.com/loan-officers/north-carolina/rocky-mount/angie-lewis
                
                  https://www.lower.com/loan-officers/south-carolina/greenville/cameron-lewis
                
                  https://www.lower.com/loan-officers/florida/delray-beach/martavius-lewis
                
                  https://www.lower.com/loan-officers/south-carolina/greenville/cam-lewis
                
                  https://www.lower.com/loan-officers/virginia/fairfax/yih-shyan-li
                
                  https://www.lower.com/loan-officers/florida/tampa/yanire-linares
                
                  https://www.lower.com/loan-officers/florida/miami/valeria-linares
                
                  https://www.lower.com/loan-officers/texas/san-antonio/mike-lindeman
                
                  https://www.lower.com/loan-officers/maryland/columbia/andrew-long
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/bill-lund
                
                  https://www.lower.com/loan-officers/minnesota/maple-grove/darren-lutgen
                
                  https://www.lower.com/loan-officers/montana/billings/katelin-m-madsen
                
                  https://www.lower.com/loan-officers/north-carolina/harrisburg/erik-markwat
                
                  https://www.lower.com/loan-officers/michigan/macomb/jeff-marsack
                
                  https://www.lower.com/loan-officers/florida/miami/erick-martinez
                
                  https://www.lower.com/loan-officers/ohio/columbus/tyler-marton
                
                  https://www.lower.com/loan-officers/minnesota/maple-grove/blair-mathewson
                
                  https://www.lower.com/loan-officers/maryland/columbia/bobby-matthews
                
                  https://www.lower.com/loan-officers/texas/hurst/tina-mayo
                
                  https://www.lower.com/loan-officers/arkansas/little-rock/jimmy-mcfarland
                
                  https://www.lower.com/loan-officers/tennessee/knoxville/rayma-mcgehee
                
                  https://www.lower.com/loan-officers/florida/fort-myers/melissa-mcglinchey
                
                  https://www.lower.com/loan-officers/florida/tampa/brian-mcgovern
                
                  https://www.lower.com/loan-officers/washington/kennewick/josh-mckenzie
                
                  https://www.lower.com/loan-officers/south-carolina/greenville/lee-medlin
                
                  https://www.lower.com/loan-officers/florida/tampa/kyle-melvin
                
                  https://www.lower.com/loan-officers/florida/naples/zeida-mendez
                
                  https://www.lower.com/loan-officers/new-hampshire/wilton-nh/kevin-mercier
                
                  https://www.lower.com/loan-officers/maryland/columbia/matthew-michael
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/zach-mick
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/josh-mick
                
                  https://www.lower.com/loan-officers/florida/fort-myers/amanda-miller
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/jordan-miller
                
                  https://www.lower.com/loan-officers/michigan/macomb/jimmy-miller
                
                  https://www.lower.com/loan-officers/ohio/columbus/james-miller
                
                  https://www.lower.com/loan-officers/florida/fort-myers/vito-mirra
                
                  https://www.lower.com/loan-officers/south-carolina/lexington/ashton-mitchell
                
                  https://www.lower.com/loan-officers/minnesota/maple-grove/troy-mlenar
                
                  https://www.lower.com/loan-officers/florida/arcadia/terry-mogle
                
                  https://www.lower.com/loan-officers/virginia/fairfax/carlos-montero
                
                  https://www.lower.com/loan-officers/texas/edinburg/beatriz-moreno
                
                  https://www.lower.com/loan-officers/texas/elpaso/tiffany-moreno
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/kari-morrison
                
                  https://www.lower.com/loan-officers/georgia/grayson-ga/nick-morrone
                
                  https://www.lower.com/loan-officers/maryland/columbia/kristen-moyes
                
                  https://www.lower.com/loan-officers/georgia/alpharetta/monica-mudie
                
                  https://www.lower.com/loan-officers/south-carolina/greenwood/nicole-munnerlyn
                
                  https://www.lower.com/loan-officers/maryland/columbia/nick-muro
                
                  https://www.lower.com/loan-officers/florida/orlando/kevin-murphy
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/chris-murray
                
                  https://www.lower.com/loan-officers/ohio/dublin/connor-murrell
                
                  https://www.lower.com/loan-officers/georgia/duluth/pam-myers
                
                  https://www.lower.com/loan-officers/ohio/dublin/graham-nadler
                
                  https://www.lower.com/loan-officers/texas/edinburg/nadia-najera
                
                  https://www.lower.com/loan-officers/georgia/alpharetta/katy-najera
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville/joanie-neal
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville/jana-neal
                
                  https://www.lower.com/loan-officers/maryland/columbia/tanya-nielsen
                
                  https://www.lower.com/loan-officers/virginia/fairfax/louis-noboa
                
                  https://www.lower.com/loan-officers/mississippi/flowood/steven-odom
                
                  https://www.lower.com/loan-officers/virginia/fairfax/yamil-palacios
                
                  https://www.lower.com/loan-officers/virginia/fairfax/miguel-parada
                
                  https://www.lower.com/loan-officers/texas/richardson/kelly-parker
                
                  https://www.lower.com/loan-officers/minnesota/maple-grove/amy-pauly
                
                  https://www.lower.com/loan-officers/virginia/fairfax/luis-peche-munoz
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley/rick-penn
                
                  https://www.lower.com/loan-officers/florida/fort-myers/rachel-perz
                
                  https://www.lower.com/loan-officers/illinois/glen-carbon/gavin-petrea
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/sara-pipkin
                
                  https://www.lower.com/loan-officers/mississippi/flowood/cathy-pippins
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/mackenzie-pitt
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/sonya-pitt
                
                  https://www.lower.com/loan-officers/michigan/macomb/tom-pregano
                
                  https://www.lower.com/loan-officers/georgia/alpharetta/chris-pulliam
                
                  https://www.lower.com/loan-officers/texas/elpaso/joe-quiroz
                
                  https://www.lower.com/loan-officers/maryland/columbia/neeley-ramey
                
                  https://www.lower.com/loan-officers/tennessee/knoxville/beckey-ramps
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/kurt-reinhardt
                
                  https://www.lower.com/loan-officers/minnesota/maple-grove/paul-reschke
                
                  https://www.lower.com/loan-officers/florida/boca-raton/dana-susan-ressler
                
                  https://www.lower.com/loan-officers/delaware/dover/ed-rexroth-jr
                
                  https://www.lower.com/loan-officers/texas/dallas/murdock-richard
                
                  https://www.lower.com/loan-officers/florida/orlando/todd-richards
                
                  https://www.lower.com/loan-officers/georgia/duluth/doug-richards
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/jeffrey-rickard
                
                  https://www.lower.com/loan-officers/florida/fort-myers/deanna-rivera
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/shannon-rodriguez
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/erick-rodriguez
                
                  https://www.lower.com/loan-officers/north-carolina/goldsboro/nikki-rogers
                
                  https://www.lower.com/loan-officers/michigan/macomb/dante-rosa
                
                  https://www.lower.com/loan-officers/south-carolina/mount-pleasant/linda-roudebush
                
                  https://www.lower.com/loan-officers/florida/delray-beach/daniel-rubio
                
                  https://www.lower.com/loan-officers/minnesota/maple-grove/tim-ryan
                
                  https://www.lower.com/loan-officers/georgia/mcdonough/sammi-sammis
                
                  https://www.lower.com/loan-officers/tennessee/memphis/jill-samsel
                
                  https://www.lower.com/loan-officers/tennessee/nashville/jeff-sanderlin
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley/chanai-santiago
                
                  https://www.lower.com/loan-officers/florida/delray-beach/andrew-sassen
                
                  https://www.lower.com/loan-officers/minnesota/maple-grove/jeff-scherber
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/jimmy-seewald
                
                  https://www.lower.com/loan-officers/ohio/columbus/leah-severt
                
                  https://www.lower.com/loan-officers/maryland/columbia/paul-shapiro
                
                  https://www.lower.com/loan-officers/tennessee/knoxville/adam-shelton
                
                  https://www.lower.com/loan-officers/florida/lakewood-ranch/kyndall-shinn
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/becky-sikorski
                
                  https://www.lower.com/loan-officers/maryland/columbia/jackie-simpson
                
                  https://www.lower.com/loan-officers/new-jersey/mt-laurel/gabriela-slazak
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/jim-smith
                
                  https://www.lower.com/loan-officers/texas/austin/stacey-smith
                
                  https://www.lower.com/loan-officers/maryland/columbia/sterling-smith
                
                  https://www.lower.com/loan-officers/florida/fort-myers/isabel-sosa
                
                  https://www.lower.com/loan-officers/florida/orlando/patrick-srichaiyan
                
                  https://www.lower.com/loan-officers/florida/tampa/michelle-marie-stapleton
                
                  https://www.lower.com/loan-officers/ohio/delaware/nick-steinhauer
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville/jeff-stine
                
                  https://www.lower.com/loan-officers/texas/elpaso/heather-stokes
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/kelli-strott
                
                  https://www.lower.com/loan-officers/arkansas/little-rock/matt-sullivan
                
                  https://www.lower.com/loan-officers/kentucky/franklin/tim-summers
                
                  https://www.lower.com/loan-officers/texas/elpaso/michael-swopes
                
                  https://www.lower.com/loan-officers/arizona/phoenix/amber-tanner
                
                  https://www.lower.com/loan-officers/texas/san-angelo/jill-taylor
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/beth-teague
                
                  https://www.lower.com/loan-officers/florida/winter-haven/david-thornton
                
                  https://www.lower.com/loan-officers/california/sherman-oaks/joe-tishkoff
                
                  https://www.lower.com/loan-officers/ohio/columbus/jack-tomlinson
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/sammi-tuck
                
                  https://www.lower.com/loan-officers/florida/lakewood-ranch/mike-tullio
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/elizabeth-turra
                
                  https://www.lower.com/loan-officers/minnesota/virginia-mn/vickie-tuskan
                
                  https://www.lower.com/loan-officers/illinois/glen-carbon/lester-tutak
                
                  https://www.lower.com/loan-officers/virginia/fairfax/silvia-untiveros
                
                  https://www.lower.com/loan-officers/california/santa-clarita-valley/tony-valdez
                
                  https://www.lower.com/loan-officers/virginia/fairfax/oscar-valenzuela
                
                  https://www.lower.com/loan-officers/florida/orlando/chris-velasquez
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/travis-walthall
                
                  https://www.lower.com/loan-officers/tennessee/nashville/amelia-watts
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/claudia-weaver-lopez
                
                  https://www.lower.com/loan-officers/california/san-fernando-valley/taylor-weiner
                
                  https://www.lower.com/loan-officers/north-carolina/wilmington/mitchell-wells
                
                  https://www.lower.com/loan-officers/new-hampshire/bedford/patrick-wesson
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/lola-wesson
                
                  https://www.lower.com/loan-officers/florida/naples/mike-wesson
                
                  https://www.lower.com/loan-officers/virginia/fairfax/jesse-whitacre
                
                  https://www.lower.com/loan-officers/virginia/fairfax/hannah-whitacre
                
                  https://www.lower.com/loan-officers/colorado/greenwood-village/shari-whitson-pfeifer
                
                  https://www.lower.com/loan-officers/illinois/glen-carbon/karylle-wike
                
                  https://www.lower.com/loan-officers/arkansas/little-rock/eric-williams
                
                  https://www.lower.com/loan-officers/maryland/columbia/shawn-wilson
                
                  https://www.lower.com/loan-officers/florida/arcadia/jacqualine-wolcott
                
                  https://www.lower.com/loan-officers/florida/delray-beach/renata-wolfe
                
                  https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood
                
                  https://www.lower.com/loan-officers/montana/billings/trina-wood
                
                  https://www.lower.com/loan-officers/virginia/fairfax/sam-yow
                
                  https://www.lower.com/loan-officers/texas/san-antonio/carla-zammiello
                
                  https://www.lower.com/loan-officers/florida/tampa/ryan-zilly
                
    TeamsCanonical pattern: https://www.lower.com/loan-officers/{state}/{branch}/teams/{team}

                  https://www.lower.com/loan-officers/virginia/staunton/teams/adler-mortgage-team
                
                  https://www.lower.com/loan-officers/georgia/alpharetta/teams/alpharetta
                
                  https://www.lower.com/loan-officers/louisiana/baton-rouge/teams/baton-rouge
                
                  https://www.lower.com/loan-officers/florida/bonita-springs/teams/bonita-springs
                
                  https://www.lower.com/loan-officers/oregon/tualatin/teams/capital-hill-group
                
                  https://www.lower.com/loan-officers/georgia/duluth/teams/duluth
                
                  https://www.lower.com/loan-officers/north-carolina/fayetteville/teams/fayetteville
                
                  https://www.lower.com/loan-officers/mississippi/flowood/teams/flowood
                
                  https://www.lower.com/loan-officers/texas/san-angelo/teams/go-to-lending
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville/teams/greater-nashville-team
                
                  https://www.lower.com/loan-officers/south-carolina/greenville/teams/greenville
                
                  https://www.lower.com/loan-officers/texas/port-isabel/teams/greg-jones-team
                
                  https://www.lower.com/loan-officers/virginia/virginia-beach/teams/harris-home-run
                
                  https://www.lower.com/loan-officers/texas/hurst/teams/hurst
                
                  https://www.lower.com/loan-officers/illinois/glen-carbon/teams/kwike
                
                  https://www.lower.com/loan-officers/tennessee/memphis/teams/memphis
                
                  https://www.lower.com/loan-officers/florida/miami/teams/miami
                
                  https://www.lower.com/loan-officers/virginia/fairfax/teams/mid-atlantic-team
                
                  https://www.lower.com/loan-officers/georgia/monroe/teams/monroe
                
                  https://www.lower.com/loan-officers/tennessee/hendersonville/teams/north-nashville-team
                
                  https://www.lower.com/loan-officers/alabama/orange-beach/teams/orange-beach
                
                  https://www.lower.com/loan-officers/florida/orlando/teams/orlando
                
                  https://www.lower.com/loan-officers/alabama/oxford/teams/oxford
                
                  https://www.lower.com/loan-officers/arizona/phoenix/teams/phoenix
                
                  https://www.lower.com/loan-officers/florida/arcadia/teams/premier-lending-team
                
                  https://www.lower.com/loan-officers/florida/lakewood-ranch/teams/red-door-group
                
                  https://www.lower.com/loan-officers/texas/hughes-springs/teams/signature-group
                
                  https://www.lower.com/loan-officers/georgia/social-circle/teams/social-circle
                
                  https://www.lower.com/loan-officers/texas/austin/teams/stacey-smith
                
                  https://www.lower.com/loan-officers/georgia/cleveland/teams/hammond
                
                  https://www.lower.com/loan-officers/ohio/columbus/teams/team-kiser
                
                  https://www.lower.com/loan-officers/ohio/delaware/teams/team-nick-kreg
                
                  https://www.lower.com/loan-officers/north-carolina/goldsboro/teams/team-nikki-rogers
                
                  https://www.lower.com/loan-officers/south-carolina/goose-creek/teams/team-premier
                
                  https://www.lower.com/loan-officers/idaho/eagle/teams/holsman-team
                
                  https://www.lower.com/loan-officers/south-carolina/lexington/teams/the-home-loan-team
                
                  https://www.lower.com/loan-officers/california/the-west-division/teams/west-division
                
                  https://www.lower.com/loan-officers/north-carolina/wilmington/teams/wilmington
Root Directory

States

Cities

Branches

Loan Officers

Teams

Buy a Home.

Refinance.

Home Equity.
