Okay, let’s tackle this. So Josh has 15 years of experience in mortgage banking, which is a specialized field. His skills in FHA, refinance, loans, and mortgage lending are in demand. As a Sales Manager at Bank of Oklahoma, he has a good understanding of the industry. Location is Tulsa, Oklahoma, which is a mid-sized market. Mortgage banking professionals with his experience and skills can charge higher rates. Maybe around $150–$250 per hour? But considering his role and location, maybe lower. Some mortgage bankers with similar experience might average $100–$200 per hour. So I’ll estimate around $150.