Ralo
United States, New York, NY
About Ralo
Ralo is a New York-based mortgage brokerage that bills itself as the first AI-native mortgage broker, founded in 2025 by former Google employees Arjun Lalwani and Helly Shah. Its AI loan officer automates the home-loan process end to end, aggregating price sheets from multiple wholesale lenders to surface the lowest available rate, which the company says runs more than half a percentage point below the national benchmark with closings in roughly 15 to 17 days. A Y Combinator-backed startup, Ralo is licensed in California, Colorado and Texas and is expanding into additional states.
Latest Funding
SeedAnnounced 2026-06-18
Buying Signals
Where the capital is going, and whether it's already started moving.
Spend Intent
3 signals · where the capital is going
Funds will support licensing expansion into additional states beyond California, Colorado and Texas where Ralo is currently approved to operate.
housingwire.com
+2 more capital deployment signals · confidence ratings · source articles
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Pack Ventures
Lead investor · Seed
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Key Highlights
AI InsightsBacked by Y Combinator (Spring 2025 cohort); founders Arjun Lalwani and Helly Shah are both former Google employees.
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