Okay, let’s calculate this. Patrick has a mix of skills that are in demand, but not extremely rare. Mortgage banking and loan origination are common roles, but with a strong background in finance, he could command a higher rate. Considering his location in Baltimore, MD, which is a mid-sized market, I'll look at national averages. For mortgage banking and loan origination roles, the average hourly rate in the US is around $100-$150. However, with financial analysis skills, he could potentially charge more. Let’s consider the Bureau of Labor Statistics' median annual salaries for mortgage bankers and loan officers, which are around $85,000 and $65,000, respectively. Adding a 20-30% premium for financial analysis skills, I'll estimate his hourly rate to be around $125-$150. However, since he's not a senior role or in a major financial hub, I'll cap it at $125.