Ralo is the first AI-native mortgage broker. We use AI to remove layers of overhead and pass the savings back to borrowers.
Ralo is a Y Combinator company in the Spring 2025 batch. Its directory entry describes it as: AI-Native Mortgage Broker. The founders listed are Arjun Lalwani (Founder/CEO), Helly Shah (Founder/CTO) (Y Combinator directory entry, April 17, 2025).
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Ralo is the first AI-native mortgage broker. We use AI to remove layers of overhead and pass the savings back to borrowers. Our customers get rates more than half a point below the national average, save tens of thousands of dollars over the life of their loan.
Arjun Lalwani
Founder/CEO
Helly Shah
Founder/CTO
Founders, titles and bios as the company published them. Photographs are our own copies of the ones on that record, so they do not break when the original link expires.
One of 91 companies held here in Fintech › Consumer Finance.
No investor is drawn from a Form D — the form states how many invested and never who. The one investor on this graph is named because a batch has exactly one.
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Example from a real report (our sample on Target): “The Q2 2026 earnings report, published August 19, 2026, showed adjusted EPS of $2.46 against an expected $2.33” Source: CNBC
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What They Do, And How The Money Works
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