Ralo is an AI-native mortgage broker [6] founded in 2025 [12] and headquartered in New York City [9]. The company was accepted into Y Combinator's Spring 2025 batch [17]. Ralo operates as a mortgage brokerage platform that uses AI to help homebuyers compare rates and originate loans at below-market prices [2]. According to the company's description, it uses AI to remove layers of overhead and pass the savings back to borrowers, with customers receiving rates more than half a point below the national average [7]. The company has a team size of 2 [10] and is actively hiring, with at least one open role for a Loan Officer Engineer [1].
Funding
- Seed, $2.9MJun 18, 2026
with Y Combinator, Manresa Ventures, Pack Ventures, Charles Ferguson, Ryan Frazier
Key people
Open roles
- Loan Officer EngineerNew York · Aug 2, 2026
Recent developments
- 1 open roles, including Loan Officer Engineer[1]Aug 2, 2026
About
- 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.[7]
- 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. [19]
Backers
- FCharles Ferguson
- FManresa Ventures
- FPack Ventures
- FRyan Frazier
Y Combinator
Accelerator and early-stage investor with an expanded growth-stage presence in New York
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