(One in a series of profiles of MBA member companies that have signed the MBA Home For All Pledge, an initiative to promote inclusion in housing.)

Bellwether Enterprise Real Estate Capital LLC, Cleveland, Ohio, closed a $75 million HUD 221(d)(4) loan to construct Legado Apartments, a multifamily property in downtown Prescott Valley, Ariz.

Will Robinson is the CEO of Encapture, Dallas, a high-growth SaaS platform that helps banks automatically extract important information from documents. Launched 20 years ago, Encapture helps companies save time and money by using machine learning to process large amounts of data.

(One of a continuing series of profiles of participants in the MBA Education Path to Diversity (P2D) Scholarship Program, which enables employees from diverse backgrounds to advance their professional growth and career development.)

While the Fed may influence mortgage rates, it is ultimately lenders and investors who decide what rate to offer based on market conditions and other factors.

Designing the future beyond the current downturn requires a comprehensive examination of what is necessary across digital financial actions—by the consumer, by the investor, by the regulators, and by rising non-traditional competitors. Traditional strategy encased by technology is the norm—but moving forward has this prescription lost its efficacy? Will we adapt—or will we die?

Ellen Comeaux is Senior Vice President and Commercial Division Leader with TIAA Bank, Jacksonville, Fla.

Former House Speaker Paul Ryan, R-Wis., keynotes the Opening General Session at the Mortgage Bankers Association's Annual Convention & Expo on Monday, Oct. 24 at 8:30 a.m. CT.