Rocket Companies: Pioneering AI-Driven Mortgage Fintech and Energy Infrastructure to Capture Long-Term Value

The U.S. is undergoing a seismic shift in two critical sectors: AI-driven energy infrastructure and mortgage fintech. As artificial intelligence reshapes industries and onshoring trends accelerate, companies that can bridge these megatrends will dominate the next decade. Rocket Companies (RKT) is one such player, leveraging AI to streamline mortgage operations while strategically positioning itself in the energy transition. Let's break down why this is a compelling long-term opportunity.

AI as the Engine of Mortgage Fintech

Rocket's core business—Rocket Mortgage—is a poster child for AI's transformative power. In Q2 2025, the company rolled out an agentic AI tool to automate the review of earnest money deposits (EMDs), a critical step in home purchases. This innovation processes 80% of EMDs automatically, saving 20,000 hours annually. By reducing manual labor, Rocket is not just cutting costs—it's accelerating the homebuying process, a key differentiator in a competitive market.

The company's AI-powered banker communication platform further amplifies efficiency. By unifying calls, texts, and chats into a single interface, Rocket has boosted daily refinance follow-ups by 20%. This isn't just operational polish—it's a strategic move to enhance client satisfaction, which Rocket has earned for 11 consecutive years from J.D. Power.

Rocket's recent acquisition of Redfin Corporation underscores its commitment to AI-driven customer engagement. The integration of Redfin's 2,200 lead agents and 50 million monthly active users into Rocket's platform creates a seamless ecosystem for buyers and sellers. The launch of Rocket Preferred Pricing—offering a 1% interest rate reduction or $6,000 in lender credits—leverages AI to make homeownership more affordable, aligning with broader economic trends of rising inflation and cost-conscious consumers.

Energy Infrastructure: A Strategic Pivot

While Rocket's mortgage fintech prowess is well-documented, its energy initiatives are equally noteworthy. In January 2025, the company sold Calpine, an independent power producer, to Constellation Energy Corp for $26.6 billion. This move created the largest clean energy provider in the U.S., signaling Rocket's pivot toward renewable energy partnerships.

Rocket's investment in PROENERGY—a firm specializing in gas peaker plants—highlights its balanced approach to energy reliability. As AI-driven data centers and onshored manufacturing surge in energy demand, Rocket is positioning itself to supply critical backup power during peak periods. Gas peakers, though not as efficient as large-scale renewables, offer a cost-effective, rapid-response solution to grid instability—a growing concern as renewables expand.

The U.S. energy market is primed for disruption. With electricity demand rising 2–5% annually for the first time in two decades, Rocket's energy assets and partnerships are perfectly aligned with onshoring trends. The company's focus on hybrid power systems (solar, wind, and storage) mirrors the strategies of tech giants like Google and Microsoft, which are securing renewable energy to power their AI infrastructure.

Financial Fortitude and Strategic Simplicity

Rocket's Q2 2025 results reinforce its financial discipline. Adjusted revenue hit $1.34 billion, exceeding guidance, while adjusted EBITDA reached $172 million. The company's recent $4 billion in senior notes issuance—used to fund the Mr. Cooper acquisition—demonstrates its confidence in scaling operations.

Rocket has also streamlined its corporate structure by collapsing its "Up-C" model, reducing common stock classes from four to two. This simplification enhances transparency and flexibility, making Rocket a more attractive acquisition target or merger partner in the evolving fintech and energy landscapes.

Risks and Rewards

No investment is without risk. Rocket's mortgage business faces headwinds from a slowing refinance market and regulatory scrutiny. Additionally, its energy ventures are nascent compared to its fintech core. However, the company's ability to pivot—shutting down underperforming ventures like Rocket Mortgage Canada and the Visa Signature Card—shows a willingness to prioritize long-term value over short-term gains.

For investors, the key is to recognize Rocket's dual thesis: AI-driven mortgage fintech and energy infrastructure. The former is a cash-flow engine, while the latter is a growth lever. Together, they create a flywheel effect: AI efficiency funds energy investments, which in turn support the energy demands of AI itself.

The Bottom Line

Rocket Companies is a rare hybrid—leveraging AI to dominate mortgage fintech while strategically investing in energy infrastructure to meet the surging demands of onshoring and AI. Its recent acquisitions, operational streamlining, and AI innovations position it to outperform in both sectors.

For those looking to capitalize on the AI and energy megatrends, Rocket is a no-brainer. The stock's valuation, while not cheap, reflects its leadership in a high-growth space. With the U.S. energy grid in need of modernization and mortgage fintech ripe for disruption, Rocket's playbook is as simple as it is effective: automate, integrate, and scale.

Final Call to Action: Rocket Companies isn't just riding the AI wave—it's building the boat. For investors with a 5–10 year horizon, this is a stock to own. The energy and fintech tailwinds are here to stay, and Rocket is at the helm.