Okay, let’s tackle this. So Stephens Phillip has 29 years of experience in mortgage lending, which is a significant amount of time. He has held senior roles at two banks, Iberia Bank Mortgage and Liberty Bank of Owasso. His skills in FHA, loan origination, credit, refinance, USDA, and VA loans are in high demand. Location is Tulsa, Oklahoma, which is a mid-sized market. Mortgage professionals with his level of experience and expertise typically charge higher rates. Maybe around $200–$300 per hour? But considering his senior roles and extensive experience, maybe higher. Some top mortgage lending experts can charge $400+. Let’s check averages. Mortgage lenders with his background might average $250–$350. So I’ll estimate around $275. However, given his senior roles and extensive experience, I’m going to round up to $250.