Okay, let’s break it down. Sandy has 27 years of experience in banking, which is a significant amount of time. Typically, experienced banking professionals can charge higher rates. Considering her role as a Loan Officer, I'd estimate her rate to be around $125 per hour, which is slightly below average for a banking professional with her experience. However, this is still a reasonable rate, especially given her location in Marysville, Ohio, which may have a lower cost of living. This rate is also influenced by the fact that she's working in a smaller bank, The Richwood Banking Company, rather than a large financial institution.