What Does Energy Infrastructure Have to Do With AI in Mortgage Lending?

It might seem like energy grids and mortgage lending are worlds apart, but the connection runs deeper than you think. Just like data centers need reliable energy to power their growing demands, mortgage lenders need robust, adaptable technology to stay competitive in a fast-evolving industry. Both rely on smart investments in infrastructure to ensure consistent performance and scalability.

Take Texas as an example. The state is becoming the epicenter of AI-powered data centers, thanks to the massive $100 billion Stargate project—a collaboration between OpenAI, Oracle, and SoftBank, which has already begun 10 new AI data centers. These data centers will run on solar energy and battery backups, combining renewable innovation with cutting-edge tech. Why? Because meeting rising demand requires an “all-of-the-above” approach, where every resource plays its part.  This is a welcome change for a state that has suffered its share of power grid challenges.

This same mindset should guide mortgage leaders. Just as the power grid must diversify to keep up with demand, lenders need to adopt a wide range of tools—especially AI solutions—to address challenges, drive efficiency, and prepare for the future.

Following the Investment

At a recent session with state governor candidates, there was rare unity around one idea: the future of power production demands flexibility. Whether it’s wind, solar, natural gas, or nuclear, it all works together to meet increasing energy needs. The key for the candidates was that there was literally no other path to keep-up with the demand for power.  This philosophy applies directly to how mortgage lenders should think about their technology investments.

AI is quickly becoming the backbone of innovation across industries. Just as the US Department of Energy predicts data centers will consume 12% of all energy by 2028, AI is poised to take up an increasingly large role in mortgage operations. The looming conundrum is whether states investing heavily in data centers will maintain more or less power grid reliability…because people and businesses will follow the investment only for as long as their quality of life remains high.  If AI and data center build-outs drag down power grids, it will takes years to recover.  

How Brimma is Leading the Way

At Brimma Tech, we’re helping mortgage lenders build their own “power grids” for success. Our AI-driven solutions act like renewable energy for your operations, fueling efficiency and growth while reducing waste. Here are a few highlights from our Vallia suite:

• Vallia AUS Sandbox: Runs automated underwriting simulations on both Fannie Mae and Freddie Mac platforms, helping you make quicker, smarter lending decisions.
• Vallia DocFlow: Automates the receipt, classification, and validation of loan documents. It’s like having a powerhouse assistant that reduces bottlenecks and eliminates manual errors.
• Vallia LeadNexus: Gives MLOs 9 different micro-AIs to accelerate every aspect of lead conversion.

These tools don’t just fix today’s pain points—they position your business to adapt and thrive in tomorrow’s market.

Lessons from Energy Investment

Let’s bring it back to energy for a second. Some states, like California, have struggled with blackouts because their power grids weren’t built to handle the load. On the flip side, places like Iowa and Idaho have invested heavily in renewable energy, ensuring reliable and cost-effective power for their residents. The difference? Strategic, forward-looking investments.

The same principle applies to mortgage technology. Ask yourself:

• Are my current tools helping me meet today’s needs while preparing for tomorrow?
• Do I have the flexibility to adapt as market conditions and customer demands change?

Investing in AI isn’t just about improving efficiency—it’s about future-proofing your business. With tools like Brimma’s Vallia suite, you can streamline workflows, reduce costs, and empower your team to focus on what matters most: serving borrowers and growing your business.

The Takeaway

Whether it’s energy grids or mortgage lending, the right infrastructure makes all the difference. Following investments in AI-powered technology, just like the investments being made in data centers and renewable energy, opens up opportunities for greater efficiency, scalability, and reliability.

Brimma Tech is here to help you take that step. With our AI-driven solutions, you’ll not only keep up with demand—you’ll lead the charge. Let’s talk about how we can build the foundation for your next big success.