Okay, let’s calculate Ann’s rate. She has 15 years of experience in mortgage lending, which is a significant amount of time. In the US, mortgage lenders with 10-20 years of experience can charge between $50-$150 per hour. Considering her expertise in credit analysis and loan origination, she might be able to charge a bit higher. However, she is based in Tulsa, Oklahoma, which is a smaller market compared to major cities like New York or San Francisco. This could impact her earning potential. Taking all this into account, I estimate Ann’s hourly rate to be around $75, which is on the lower end of the scale but still reflects her experience and skills.