Okay, let’s break this down. Carrie has 20+ years of experience in mortgage lending and financial services, which is a significant amount of time. She has held leadership roles at two credit unions and a bank, which suggests she has a strong understanding of the financial industry. Her skills include credit analysis, loan origination, and customer service, which are all in demand. However, her rate is not extremely high, which suggests she may be more of a mid-level executive. Considering her experience and skills, I would estimate her hourly rate to be around $125 per hour. This is slightly below the national average for mortgage lenders, but it's still a respectable rate considering her level of experience.