Okay, let’s tackle this. So Patrick has skills in refinance, mortgage banking, and loan origination, which are in demand. He’s based in Tulsa, OK, which is a smaller market compared to major cities like New York or San Francisco. Mortgage professionals with similar skills in smaller markets tend to charge lower rates. Considering his expertise and location, I estimate his hourly rate to be around $125, which is slightly below the national average for mortgage loan originators. This rate is also in line with industry benchmarks for professionals with similar skills and experience in smaller markets.