Ralo

Overview

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].

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. [6] [16]

New York (per Y Combinator location filter) [5]

New York City [8]

2025 [9]

Y Combinator's directory lists the company location as New York City, NY, USA. [19]

Growth & traction

2 [10]

Y Combinator lists a team size of 2. [18]