Banking lending

Ralo

Website
Founded 2025Origin source ↗Checked 2026-09-15

Overview

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.

Company description As recorded 2026-11-08

Founders & team

Previously Approval AI

Company history As recorded 2026-11-08

Arjun Lalwani

Founder/CEO

Arjun is the co-founder & CEO of Ralo, building AI tools he wish existed after his painful home-buying journey. Prior to founding the company, he was a Product Manager at Google (APM '20), where he worked on high-impact consumer products. He scaled Google Hotels and launched a new business within YouTube Shopping, growing it from $0 to $XXX million in GMV. Arjun holds a degree in Computer Science from the University of Washington.

Founder profile As recorded 2026-09-15

Helly Shah

Founder/CTO

Helly Shah is the co-founder & CTO of Ralo, where she’s building the mortgage platform every homebuyer deserves. At Google Maps, she led the design and launch of features that enhanced lane guidance & geopolitical accuracy for over a billion users. Before that, she built real-time rates trading systems at Goldman Sachs, shaping how markets move.

Founder profile As recorded 2026-09-15
2team members reported
Source-reported As recorded 2026-09-15

Founded 2025 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedNew York City, NY, USA
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The retained text does not establish product availability or customer use.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding year