The Mortgage Bankers Association announced Wednesday the Minnesota Department of Commerce became the last regulator to announce their adoption of the Uniform State Test. The MBA sent out a letter to its members, recognizing the work it took to come to this point.

Amy White, vice president of correspondent lending product management for Texas Capital Bank, is an industry leader and the heart and soul behind a number of instrumental product rollouts and business expansions at Texas Capital Bank.

Renee Schultz, senior vice president of capital markets at Fannie Mae, has been with the government-sponsored enterprise for 20 years, weathering the housing crisis and helping provide liquidity to 1,200 lenders with her team through establishing and implementing credit pricing terms, executing strategies to transfer credit risk associated with Fannie Mae’s single-family business, the trading of mortgage-backed securities, purchasing and subsequent securitizing of whole loans and through the Early Funding program.

Yolles’ leadership and uncanny ability to galvanize organizations and inspire key stakeholders challenged the category and those who think lending is only about rates and FICO scores. Instead, Yolles believes it is about the lives and aspirations of more than a million Americans trying to make their dreams come true.