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Articles by JP Kelly
The best mortgage lending is both AI-powered and human-focused
For credit unions, the advantage comes from choosing AI that deepens the member relationship rather than pulling focus from it. AI has arrived in mortgage lending all at once, and credit unions are feeling it from every direction. Vendors are pitching it, peers are piloting it, and new AI tools are showing up faster than most teams can evaluate them. But whether to use AI isn’t really the question anymore; that one is settled.
HELOC and home equity trends: Navigating the new lending landscape
As we step into 2025, the mortgage and home equity landscape continue to evolve, presenting both opportunities and challenges for consumers and financial institutions. After a turbulent few years of inventory constraints and affordability concerns, we’re beginning to see a shift toward stability.
2025 mortgage lending trends: Is your credit union ready for what’s coming?
As mortgage rates are projected to trend downward in the new year, the market is gearing up for an upswing in loan volume. projects that rates will dip to an average of 5.9% in 2025, prompting a surge in mortgage origination volume from $1.68 trillion to $2.155 trillion. This shift spells significant opportunity for lenders—but only for those who are prepared.
Rate cuts and realities: Navigating the 2024 housing market
In mid-September, the Federal Reserve held one of its most pivotal meetings in recent memory, deciding to lower the Federal Funds rate by 50 basis points—a move that has already sent ripples through the financial world. For months, economists and market watchers had anticipated a rate cut, particularly as the labor market began showing signs of flagging and the 10-year Treasury rate dropped by more than 75 basis points leading up to this meeting.
Supporting the American Dream: How financial institutions can aid homebuyers
June is National Homeownership Month. It’s a month to reflect on the benefits of owning a home, the positive impact it has on an individual’s quality of life, and to discuss the importance of making homeownership more attainable for all Americans. Owning a home is tantamount to the American Dream, and people across the nation continue to work toward that goal of safety and security.
The era of smart manufacturing: why you need a good data strategy
Article • As we enter the era of smart manufacturing, the reliability of data is growing in significance and data standardization is becoming increasingly important. According to JP Kelly, director of manufacturing at Murphy Geospatial, businesses need a good data strategy to succeed. We are entering the era of smart manufacturing, where we can automate and simulate updates to processes and facilities virtually.
Algorithmic Advertising and the Perils of Personalisation JP Kelly / Royal Holloway College, University of London
Since Netflix debuted their first original series in 2013, House of Cards, there has been a growing body of scholarship examining the implications of the company’s data-driven approach for the production, distribution, and consumption of film and television. Almost all of this work has focused on the content itself – on the programmes that have (supposedly) been commissioned through a combination of algorithms and human instinct.
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