<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://institution.zendesk.com/hc/en-us</loc>
  <lastmod>2026-05-02T00:04:35Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/5903295278861-Product-Settings-How-do-I-create-and-update-a-product</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/5903310430349-Product-Settings-How-do-I-collaborate-with-a-financial-coaching-or-counseling-agency</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/5903310433421-Product-Settings-How-do-I-customize-the-underwriting-for-each-product</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/5903310437773-System-Settings-How-do-I-set-up-my-organization-s-profile-on-Happy-Mango</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/5903310439821-Product-Settings-How-do-I-adjust-or-customize-the-attributes-or-terms-of-a-product</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/6680284847245-Product-Settings-How-do-I-manage-application-fees-collected-on-Happy-Mango</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/6680300294285-System-Settings-How-do-I-set-up-automated-alerts-for-application-status-changes</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/6680301625869-System-Settings-How-do-I-add-or-deactivate-a-team-member</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/6680360453005-Application-Review-An-Overview-of-the-Application-Review-Workflow</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/7279794054285-Start-Here-to-Set-Up-for-Success</loc>
  <lastmod>2022-07-20T16:54:12Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/7516277520397-Application-Review-How-do-I-move-an-application-upstream-in-the-workflow</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/7532638570765-Product-Settings-How-to-I-customize-the-review-process-for-each-product</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/7804415670925-Application-Review-How-do-I-approve-an-application</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/7813463441677-Application-Review-How-do-I-decline-an-application</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/7814699160077-Application-Review-How-do-I-counter-an-application</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23323682434829-Loan-Management-An-Overview-of-the-Loans-Section-on-Happy-Mango</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23323707969037-Loan-Management-An-Overview-of-the-Loan-Payment-Schedule-Page</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23323794142477-Loan-Management-How-do-I-postpone-the-next-payment-scheduled-for-an-active-loan</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23323807592333-Loan-Management-How-does-a-loan-get-charged-off</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23324271315213-Payment-Management-How-do-I-record-an-offline-payment-on-Happy-Mango</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23324300145165-Loan-Management-How-does-a-loan-get-paid-off</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23507797271949-System-Settings-How-do-I-set-up-ACH-payment-processing</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23507853622669-Payment-Management-How-do-I-turn-on-ACH-payment-for-a-select-loan</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/23507891667213-Loan-Management-What-does-the-Attention-note-on-Active-Loans-page-indicate</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/24586820617229-Payment-Management-How-do-I-find-information-about-the-borrower-s-payment-account</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/27349490269581-Payment-Management-How-do-I-refund-a-customer-s-overpayment-on-a-paid-off-loan</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/27349617779725-Loan-Management-How-do-I-temporarily-reduce-the-payment-amount-for-an-installment-loan</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/31639660961421-Customer-Management-What-automated-messages-do-my-customers-receive</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/31666578674701-Loan-Management-How-do-I-modify-the-remaining-payment-schedule-of-an-active-loan</loc>
  <lastmod>2025-11-03T21:15:28Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40032699867021-Loan-Management-How-does-an-active-loan-get-paid-off-charged-off-or-voided</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40032743975437-Loan-Management-How-to-remediate-Attention-Required-loans</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40032805431309-Loan-Management-How-to-temporarily-reduce-the-payments-for-a-defined-period</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40032837648013-Loan-Management-How-to-Skip-or-Postpone-an-Upcoming-Payment-Due</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40054890142733-Loan-Management-An-Overview-of-Loan-Portfolio-Management</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40105371927565-Loan-Management-Navigate-the-Individual-Loan-Page</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40643877923853-Application-Review-How-to-Move-an-Application-Upstream-in-the-Review-Process</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40643879767949-Application-Review-An-Overview-of-the-Applications-Section</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40643898659725-Application-Review-Steps-Taken-by-Lender-and-Interaction-with-Applicant-and-Others</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40715532437261-Dashboard-Activity-Overview-Task-Lists-and-Quick-Search</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40715553451533-Application-Review-How-to-Generate-and-Send-Adverse-Action-Notice-for-a-Declined-Application</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40747539348621-Application-Review-How-to-Manage-Expired-Applications</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40753951791245-Application-Review-How-to-Put-an-Application-on-Hold</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40755930520333-Application-Review-How-to-Generate-Closing-Documents</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/40839665090189-Application-Review-How-to-Disburse-Loan-Funds-Post-Closing</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/42640620019597-Application-Review-How-to-Manage-3rd-Party-Verifications</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/42644487787533-Application-Review-Make-Underwriting-Decisions-Approve-Pre-Approve-Counter-or-Decline</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/42644567518477-Application-Review-How-to-Screen-New-Applications</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/42649855407757-Application-Review-How-to-Perform-the-Final-Review</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/42650045200525-Application-Review-How-to-Manage-a-Countered-or-Pre-Approved-Application</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/articles/44489275197197-Partners-Review-How-to-Add-Update-and-Deactivate-Referral-Partners</loc>
  <lastmod>2026-03-22T01:27:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/sections/5903295286797-FAQ</loc>
  <lastmod>2026-03-22T01:26:29Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/sections/5903310418317-Start-Up-Guide</loc>
  <lastmod>2024-01-25T04:52:02Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/sections/43186045727757-FAQ-Beta-Site</loc>
  <lastmod>2026-03-22T01:27:01Z</lastmod>
</url>
<url>
  <loc>https://institution.zendesk.com/hc/en-us/categories/5903295272589-General</loc>
  <lastmod>2026-03-22T01:27:01Z</lastmod>
</url>
</urlset>
