Okay, let’s tackle this. So Phillip Morrow has skills in mortgage lending, sales, banking, and management, which are in demand. However, his role and experience don’t seem to be in a high-demand field like tech or finance consulting. Location is Tulsa, OK, which has a lower cost of living and may impact rates. Considering his skills and experience, I'd estimate his rate to be around $75 per hour, which is below average for finance professionals. This is likely due to his location and the type of services he offers. For example, mortgage lenders and bankers in major cities like New York or San Francisco can charge $150-$250 per hour or more.