Okay, let’s break it down. Stephen has a strong background in banking and lending, with experience as a Senior Loan Originator. His skills in areas like commercial and residential mortgages, and credit, are in demand. Location is Salem, New Hampshire, which is a smaller market. According to national averages, loan originators with similar experience and skills can earn around $100–$150 per hour. Considering his role and industry, I estimate his hourly rate to be around $125, which is slightly below the national average but still reflective of his experience and skills.