Based on the skills and experience listed, I'm estimating Matt Mccormick's hourly rate to be around $125. This is a relatively conservative estimate considering the demand for finance and real estate professionals in Tulsa, OK. The average salary for a mortgage lender in the US is around $62,000 per year, but this doesn't account for the value-added services Matt brings through contract negotiation and strategic planning. Given his expertise in first-time home buyers and real estate transactions, he may be able to command a premium rate. However, without specific industry benchmarks or comparable salaries, I'm sticking to a lower estimate. This rate is also influenced by the fact that Matt is not a lawyer or a broker, which can impact his earning potential in the industry.