Okay, let’s break it down. Maria has 25 years of experience in lending, with a strong background in credit analysis and underwriting. She has worked at two major banks, which suggests a high level of expertise. However, her experience is not in a high-demand field like tech or finance, which might limit her earning potential. Additionally, she is based in Fremont, California, which is a relatively affordable location. Considering her experience and skills, I would estimate her hourly rate to be around $120, which is slightly below the national average for a lending professional with her experience. However, this is a rough estimate and may vary depending on various factors.