<?xml version='1.0' encoding='UTF-8'?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://www.middlesexfederal.com/commercial-lending</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Lenders-Portraits-Deloria.jpg</image:loc><image:caption>Jeff J. Deloria - Middlesex Federal Bank Commercial Lender</image:caption><image:title>Lenders-Portraits-Deloria</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Padlock-Safe.png</image:loc><image:caption>Icon - Small blue square graphic of a bank safe with a padlock superimposed.</image:caption><image:title>Bank-Icon-Padlock-Safe</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/construction-workers-with-plans-590.webp</image:loc><image:caption>Construction workers with plans</image:caption><image:title>construction-workers-with-plans-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Modern-Office.png</image:loc><image:caption>Bank-Icon-Modern-Office</image:caption><image:title>Bank-Icon-Modern-Office</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Lenders-Portraits-LeoBarrett.jpg</image:loc><image:caption>Leo J. Barrett - Middlesex Federal Bank, SVP Senior Loan Officer</image:caption><image:title>Lenders-Portraits-LeoBarrett</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Justin%20Halley-1.png</image:loc><image:caption>Justin Halley-1</image:caption><image:title>Justin Halley-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Cash-In-Hand.png</image:loc><image:caption>Icon - blue graphic of two hands cupping a bag of money with a dollar sign superimposed</image:caption><image:title>Bank-Icon-Cash-In-Hand</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/brownstone-building-boston-commercial-lending-590.webp</image:loc><image:caption>Brownstone Building - Boston Commercial Lending</image:caption><image:title>brownstone-building-boston-commercial-lending-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Lenders-Portraits-aportney.jpg</image:loc><image:caption>Adam V. Portney - Middlesex Federal Bank VP Commercial Lender</image:caption><image:title>Lenders-Portraits-aportney</image:title></image:image><lastmod>2026-06-11</lastmod></url><url><loc>https://www.middlesexfederal.com/business-accounts</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-ATM.png</image:loc><image:caption>Bank-Icon-ATM</image:caption><image:title>Bank-Icon-ATM</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Notary-Ribbon.png</image:loc><image:caption>Bank-Icon-Notary-Ribbon</image:caption><image:title>Bank-Icon-Notary-Ribbon</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Lending.png</image:loc><image:caption>Bank-Icon-Lending</image:caption><image:title>Bank-Icon-Lending</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-PaymentProcessing.png</image:loc><image:caption>Bank-Icon-PaymentProcessing</image:caption><image:title>Bank-Icon-PaymentProcessing</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Checkbook.png</image:loc><image:caption>Bank-Icon-Checkbook</image:caption><image:title>Bank-Icon-Checkbook</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Clerk-working-at-cafe.jpg</image:loc><image:caption>Clerk-working-at-cafe</image:caption><image:title>Clerk-working-at-cafe</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Rates.png</image:loc><image:caption>Bank-Icon-Rates</image:caption><image:title>Bank-Icon-Rates</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Clothing-Design-Shop-Woman-with-Phone.jpg</image:loc><image:caption>Clothing-Design-Shop-Woman-with-Phone</image:caption><image:title>Clothing-Design-Shop-Woman-with-Phone</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Man-in-office-with-paperwork.jpg</image:loc><image:caption>Man-in-office-with-paperwork</image:caption><image:title>Man-in-office-with-paperwork</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Artist-sculptor-proud-in-shop.jpg</image:loc><image:caption>Artist-sculptor-proud-in-shop</image:caption><image:title>Artist-sculptor-proud-in-shop</image:title></image:image><lastmod>2026-05-05</lastmod></url><url><loc>https://www.middlesexfederal.com/rates-terms-and-conditions</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><lastmod>2026-04-15</lastmod></url><url><loc>https://www.middlesexfederal.com/android</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><lastmod>2026-05-14</lastmod></url><url><loc>https://www.middlesexfederal.com/business-banking</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Business%20Banking%20Campaign/Team-of-three-business-people-in-suits-reviewing-their-business-finance-documents-on-a-laptop..jpg</image:loc><image:caption>Team-of-three-business-people-in-suits-reviewing-their-business-finance-documents-on-a-laptop.</image:caption><image:title>Team-of-three-business-people-in-suits-reviewing-their-business-finance-documents-on-a-laptop.</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-No-Fee.png</image:loc><image:caption>Icon - small blue circle with a dollar sign crossed out in the center</image:caption><image:title>Bank-Icon-No-Fee</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-ATM.png</image:loc><image:caption>Bank-Icon-ATM</image:caption><image:title>Bank-Icon-ATM</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Construction-workers-on-the-job-site-590.webp</image:loc><image:caption>Construction workers at the job site</image:caption><image:title>Construction-workers-on-the-job-site-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Hero-M-Business-Banking-Boston-Somerville-900x394.webp</image:loc><image:caption>Hero-M-Business-Banking-Boston-Somerville-900x394</image:caption><image:title>Hero-M-Business-Banking-Boston-Somerville-900x394</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-IconPersonal-Service.png</image:loc><image:caption>Icon - Two info (i) silhouettes personified, shaking hands</image:caption><image:title>Bank-IconPersonal-Service</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Hero-Business-Banking-Boston-Somerville-2400x1050.webp</image:loc><image:caption>Hero-Business-Banking-Boston-Somerville-2400x1050</image:caption><image:title>Hero-Business-Banking-Boston-Somerville-2400x1050</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Clothing-Design-Shop-Woman-with-Phone-590.webp</image:loc><image:caption>Clothing Design Shop Woman with Phone</image:caption><image:title>Clothing-Design-Shop-Woman-with-Phone-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Ultimate-Business-Banking-Toolkit-590.webp</image:loc><image:caption>Ultimate Business Banking Toolkit Cover</image:caption><image:title>Ultimate-Business-Banking-Toolkit-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Business%20Banking%20Campaign/Business-owner-projecting-cash-flow-on-his-laptop-and-using-his-cell-phone-calculator..jpg</image:loc><image:caption>Business-owner-projecting-cash-flow-on-his-laptop-and-using-his-cell-phone-calculator.</image:caption><image:title>Business-owner-projecting-cash-flow-on-his-laptop-and-using-his-cell-phone-calculator.</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Business%20Banking%20Campaign/This-smiling-couple-learned-how-to-start-a-business-in-Massachusetts-and-are-now-holding-a-open-business-sign..jpg</image:loc><image:caption>This-smiling-couple-learned-how-to-start-a-business-in-Massachusetts-and-are-now-holding-a-open-business-sign.</image:caption><image:title>This-smiling-couple-learned-how-to-start-a-business-in-Massachusetts-and-are-now-holding-a-open-business-sign.</image:title></image:image><lastmod>2026-05-26</lastmod></url><url><loc>https://www.middlesexfederal.com/connect-with-us</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Hero-Connect-2400x1050.webp</image:loc><image:caption>Hero-Connect-2400x1050</image:caption><image:title>Hero-Connect-2400x1050</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Hero-M-Connect-2400x218.webp</image:loc><image:caption>Hero-M-Connect-2400x218</image:caption><image:title>Hero-M-Connect-2400x218</image:title></image:image><lastmod>2026-07-28</lastmod></url><url><loc>https://www.middlesexfederal.com/apple</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><lastmod>2026-05-14</lastmod></url><url><loc>https://www.middlesexfederal.com</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/payment-processor-couple-at-restaurant-590.webp</image:loc><image:caption>A couple at a restaurant paying with a debit card - payment processing</image:caption><image:title>payment-processor-couple-at-restaurant-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Hero-banner-davis-square-2400x582.webp</image:loc><image:caption>Hero-banner-davis-square-2400x582</image:caption><image:title>Hero-banner-davis-square-2400x582</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Hero-M%20banner-davis-square-2400x582.webp</image:loc><image:caption>Hero-M banner-davis-square-2400x582</image:caption><image:title>Hero-M banner-davis-square-2400x582</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Coworkers-at-Laptop-in-Gallery.webp</image:loc><image:caption>Coworkers at Laptop in Gallery</image:caption><image:title>Coworkers-at-Laptop-in-Gallery</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/MiddleSex-Blog-Six%20Mistakes%20to%20Avoid%20as%20a%20First-Time%20Home%20Buyer-1.jpg</image:loc><image:caption>MiddleSex-Blog-Six Mistakes to Avoid as a First-Time Home Buyer-1</image:caption><image:title>MiddleSex-Blog-Six Mistakes to Avoid as a First-Time Home Buyer-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/two-businesspeople-working-laptop.jpg</image:loc><image:caption>two-businesspeople-working-laptop</image:caption><image:title>two-businesspeople-working-laptop</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Here-are-some-things-to-know-before-you-buy-a-home-during-off-season.gif</image:loc><image:caption>Here-are-some-things-to-know-before-you-buy-a-home-during-off-season</image:caption><image:title>Here-are-some-things-to-know-before-you-buy-a-home-during-off-season</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><lastmod>2026-07-01</lastmod></url><url><loc>https://www.middlesexfederal.com/order-checks</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><lastmod>2026-03-11</lastmod></url><url><loc>https://www.middlesexfederal.com/spark-child-mockup-v2</loc><lastmod>2025-09-18</lastmod></url><url><loc>https://www.middlesexfederal.com/deposit-rates-business</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><lastmod>2026-05-06</lastmod></url><url><loc>https://www.middlesexfederal.com/deposit-rates-personal</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><lastmod>2026-05-19</lastmod></url><url><loc>https://www.middlesexfederal.com/personal-banking</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Padlock-Safe.png</image:loc><image:caption>Icon - Small blue square graphic of a bank safe with a padlock superimposed.</image:caption><image:title>Bank-Icon-Padlock-Safe</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Hero-M-Woman-on-Couch-900x394.webp</image:loc><image:caption>Hero-M-Woman-on-Couch-900x394</image:caption><image:title>Hero-M-Woman-on-Couch-900x394</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Cash-In-Hand.png</image:loc><image:caption>Icon - blue graphic of two hands cupping a bag of money with a dollar sign superimposed</image:caption><image:title>Bank-Icon-Cash-In-Hand</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-No-Fee.png</image:loc><image:caption>Icon - small blue circle with a dollar sign crossed out in the center</image:caption><image:title>Bank-Icon-No-Fee</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Man-at-the-table-with-laptop-and-phone-590.webp</image:loc><image:caption>Man at the table with laptop and phone</image:caption><image:title>Man-at-the-table-with-laptop-and-phone-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Hero-Woman-on-Couch-2400x1050.webp</image:loc><image:caption>Personal Banking - Somerville, Cambridge, Boston</image:caption><image:title>Hero-Woman-on-Couch-2400x1050</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Happy-Couple-With-Keys-To-New-Home-590.webp</image:loc><image:caption>Happy couple with keys to their new home.</image:caption><image:title>Happy-Couple-With-Keys-To-New-Home-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/ID-Theft-Cover-590.webp</image:loc><image:caption>Identity Theft: 3 Critical Checklists - Brochure Cover</image:caption><image:title>ID-Theft-Cover-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/young-couple-checking-their-family-budget.jpg</image:loc><image:caption>young-couple-checking-their-family-budget</image:caption><image:title>young-couple-checking-their-family-budget</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/smiling-couple-with-piggybank-new-home.jpg</image:loc><image:caption>smiling-couple-with-piggybank-new-home</image:caption><image:title>smiling-couple-with-piggybank-new-home</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/business-woman-works-home-remote-work-home-with-laptop-with-notebook-takes-notes-phone.jpg</image:loc><image:caption>business-woman-works-home-remote-work-home-with-laptop-with-notebook-takes-notes-phone</image:caption><image:title>business-woman-works-home-remote-work-home-with-laptop-with-notebook-takes-notes-phone</image:title></image:image><lastmod>2026-07-28</lastmod></url><url><loc>https://www.middlesexfederal.com/connect-page-test</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><lastmod>2025-11-18</lastmod></url><url><loc>https://www.middlesexfederal.com/terms-of-use</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><lastmod>2026-07-28</lastmod></url><url><loc>https://www.middlesexfederal.com/personal-lending</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/happy-family-hugging-first-new-home-590.webp</image:loc><image:caption>Happy family hugging. First new home.</image:caption><image:title>happy-family-hugging-first-new-home-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/young-couple-first-time-home-buyer-590.webp</image:loc><image:caption>Young couple - first time home buyer</image:caption><image:title>young-couple-first-time-home-buyer-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Lenders-Portraits-MGately.jpg</image:loc><image:caption>Michelle F. Gately - Middlesex Federal Bank VP Home Loan Specialist</image:caption><image:title>Lenders-Portraits-MGately</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Cash-In-Hand.png</image:loc><image:caption>Icon - blue graphic of two hands cupping a bag of money with a dollar sign superimposed</image:caption><image:title>Bank-Icon-Cash-In-Hand</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-No-Fee.png</image:loc><image:caption>Icon - small blue circle with a dollar sign crossed out in the center</image:caption><image:title>Bank-Icon-No-Fee</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Lenders-Portraits-fprinzivalli.jpg</image:loc><image:caption>Frank Prinzivalli - Middlesex Federal Bank Home Loan Specialist</image:caption><image:title>Lenders-Portraits-fprinzivalli</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/new-home-financing-lending-590.webp</image:loc><image:caption>New home financing and lending</image:caption><image:title>new-home-financing-lending-590</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Padlock-Safe.png</image:loc><image:caption>Icon - Small blue square graphic of a bank safe with a padlock superimposed.</image:caption><image:title>Bank-Icon-Padlock-Safe</image:title></image:image><lastmod>2026-05-20</lastmod></url><url><loc>https://www.middlesexfederal.com/privacy-notice</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><lastmod>2026-03-12</lastmod></url><url><loc>https://www.middlesexfederal.com/davis-floating-window</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Clothing-Design-Shop-Woman-with-Phone.jpg</image:loc><image:caption>Clothing-Design-Shop-Woman-with-Phone</image:caption><image:title>Clothing-Design-Shop-Woman-with-Phone</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/smiling-couple-with-piggybank-new-home.jpg</image:loc><image:caption>smiling-couple-with-piggybank-new-home</image:caption><image:title>smiling-couple-with-piggybank-new-home</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/business-woman-works-home-remote-work-home-with-laptop-with-notebook-takes-notes-phone.jpg</image:loc><image:caption>business-woman-works-home-remote-work-home-with-laptop-with-notebook-takes-notes-phone</image:caption><image:title>business-woman-works-home-remote-work-home-with-laptop-with-notebook-takes-notes-phone</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/InteriorPage-Hero-Connect.jpg</image:loc><image:caption>InteriorPage-Hero-Connect</image:caption><image:title>InteriorPage-Hero-Connect</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/young-couple-checking-their-family-budget.jpg</image:loc><image:caption>young-couple-checking-their-family-budget</image:caption><image:title>young-couple-checking-their-family-budget</image:title></image:image><lastmod>2025-12-12</lastmod></url><url><loc>https://www.middlesexfederal.com/consumer-accounts-and-cds</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Checkbook.png</image:loc><image:caption>Bank-Icon-Checkbook</image:caption><image:title>Bank-Icon-Checkbook</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Business_Banking.png</image:loc><image:caption>Bank-Icon-Business_Banking</image:caption><image:title>Bank-Icon-Business_Banking</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Notary-Ribbon.png</image:loc><image:caption>Bank-Icon-Notary-Ribbon</image:caption><image:title>Bank-Icon-Notary-Ribbon</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Lending.png</image:loc><image:caption>Bank-Icon-Lending</image:caption><image:title>Bank-Icon-Lending</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/mobile-and-digital-banking.jpg</image:loc><image:caption>mobile-and-digital-banking</image:caption><image:title>mobile-and-digital-banking</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/savings-and-checking-plans-for-easy-online-banking.jpg</image:loc><image:caption>savings-and-checking-plans-for-easy-online-banking</image:caption><image:title>savings-and-checking-plans-for-easy-online-banking</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/celebration-of-savings-credit-card-holiday.jpg</image:loc><image:caption>celebration-of-savings-credit-card-holiday</image:caption><image:title>celebration-of-savings-credit-card-holiday</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-ATM.png</image:loc><image:caption>Bank-Icon-ATM</image:caption><image:title>Bank-Icon-ATM</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Content-Top-Family-In-Car.jpg</image:loc><image:caption>Content-Top-Family-In-Car</image:caption><image:title>Content-Top-Family-In-Car</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Rates.png</image:loc><image:caption>Bank-Icon-Rates</image:caption><image:title>Bank-Icon-Rates</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/savings-plans-for-the-future.jpg</image:loc><image:caption>savings-plans-for-the-future</image:caption><image:title>savings-plans-for-the-future</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/your-retirement-investment-pays-off.jpg</image:loc><image:caption>your-retirement-investment-pays-off</image:caption><image:title>your-retirement-investment-pays-off</image:title></image:image><lastmod>2026-05-26</lastmod></url><url><loc>https://www.middlesexfederal.com/accessibility-statement</loc><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-IconPersonal-Service.png</image:loc><image:caption>Icon - Two info (i) silhouettes personified, shaking hands</image:caption><image:title>Bank-IconPersonal-Service</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Speech-Bubble-Info.png</image:loc><image:caption>Icon - Small blue speech bubble outline with an italic info-i in the center</image:caption><image:title>Bank-Icon-Speech-Bubble-Info</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Middlesex-Logo-Solid-White-M.png</image:loc><image:caption>Middlesex Federal</image:caption><image:title>Middlesex-Logo-Solid-White-M</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Equal-Housing-Lender-Member-FDIC-Black-1.png</image:loc><image:caption>Equal Housing Lender, Member FDIC</image:caption><image:title>Equal-Housing-Lender-Member-FDIC-Black-1</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-24-Hour-Call.png</image:loc><image:caption>Icon - Small blue image of a retro phone handset with a 24 superimposed</image:caption><image:title>Bank-Icon-24-Hour-Call</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Large-and-Small-Devices.png</image:loc><image:caption>Icon - Small blue icon - graphic of a laptop and cell phone</image:caption><image:title>Bank-Icon-Large-and-Small-Devices</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Envelope-Mail.png</image:loc><image:caption>Icon - Small blue icon - Outline of an Envelope - Email</image:caption><image:title>Bank-Icon-Envelope-Mail</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/Middlesex-Logo-Blue-Small-2025.png</image:loc><image:caption>Middlesex-Logo-Blue-Small-2025</image:caption><image:title>Middlesex-Logo-Blue-Small-2025</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/InteriorPage-Hero-Accessibility.jpg</image:loc><image:caption>InteriorPage-Hero-Accessibility</image:caption><image:title>InteriorPage-Hero-Accessibility</image:title></image:image><image:image><image:loc>https://www.middlesexfederal.com/hubfs/2025Website/Bank-Icon-Secure-Drive-with-Padlock.png</image:loc><image:caption>Icon - Small blue square graphic of computer hardware with a dollar sign superimposed</image:caption><image:title>Bank-Icon-Secure-Drive-with-Padlock</image:title></image:image><lastmod>2026-05-05</lastmod></url></urlset>