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  <!-- High-value states — quarterly rate changes likely -->
  <url><loc>https://judgmentinterestrate.com/florida</loc><lastmod>2026-05-13</lastmod><changefreq>quarterly</changefreq><priority>0.95</priority></url>
  <url><loc>https://judgmentinterestrate.com/california</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.92</priority></url>
  <url><loc>https://judgmentinterestrate.com/texas</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.92</priority></url>
  <url><loc>https://judgmentinterestrate.com/new-york</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.92</priority></url>
  <url><loc>https://judgmentinterestrate.com/new-jersey</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.89</priority></url>
  <url><loc>https://judgmentinterestrate.com/illinois</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.89</priority></url>
  <url><loc>https://judgmentinterestrate.com/georgia</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.87</priority></url>
  <url><loc>https://judgmentinterestrate.com/virginia</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.87</priority></url>
  <url><loc>https://judgmentinterestrate.com/nevada</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.87</priority></url>
  <url><loc>https://judgmentinterestrate.com/massachusetts</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.87</priority></url>
  <url><loc>https://judgmentinterestrate.com/pennsylvania</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.84</priority></url>
  <url><loc>https://judgmentinterestrate.com/ohio</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.84</priority></url>
  <url><loc>https://judgmentinterestrate.com/arizona</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.84</priority></url>
  <url><loc>https://judgmentinterestrate.com/michigan</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.84</priority></url>
  <url><loc>https://judgmentinterestrate.com/north-carolina</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.84</priority></url>
  <url><loc>https://judgmentinterestrate.com/washington</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.84</priority></url>
  <url><loc>https://judgmentinterestrate.com/colorado</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.82</priority></url>
  <url><loc>https://judgmentinterestrate.com/tennessee</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.82</priority></url>
  <url><loc>https://judgmentinterestrate.com/maryland</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.82</priority></url>
  <url><loc>https://judgmentinterestrate.com/indiana</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.82</priority></url>
  <url><loc>https://judgmentinterestrate.com/missouri</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.82</priority></url>
  <url><loc>https://judgmentinterestrate.com/wisconsin</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.82</priority></url>
  <url><loc>https://judgmentinterestrate.com/minnesota</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.82</priority></url>
  <url><loc>https://judgmentinterestrate.com/south-carolina</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.82</priority></url>
  <url><loc>https://judgmentinterestrate.com/alabama</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/alaska</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/arkansas</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/connecticut</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/delaware</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/district-of-columbia</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/hawaii</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/idaho</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/iowa</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/kansas</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/kentucky</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/louisiana</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/maine</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/mississippi</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/montana</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/nebraska</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/new-hampshire</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/new-mexico</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/north-dakota</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/oklahoma</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/oregon</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/rhode-island</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/south-dakota</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/utah</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/vermont</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/west-virginia</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
  <url><loc>https://judgmentinterestrate.com/wyoming</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.79</priority></url>
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