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Ralo

YC X25

New York City, US · Founded 2025 · 2 employees · Hiring · 2 known investors

Find your way into Ralo

1,417 people in our graph share verified history with the Ralo team — schools, employers, funds. One of them is your warm intro.

Susana Rojasunlockedknows Helly Shah · together at Goldman Sachs (overlapped)
×8knows the team · via Goldman Sachs
knows the team · via University of Washington
×2knows the team · via Smartsheet

Ralo is an AI-powered mortgage platform that uses machine learning to automate loan processing tasks traditionally performed by multiple intermediaries, enabling lower rates and faster closings for borrowers. The company targets consumers seeking mortgages and aims to reduce hidden fees and overhead costs in the lending process.

Also known as Approval AI

AI & Machine LearningFintechConsumer FinanceAIUnited States of AmericaAmerica / Canada

Founders & leadership· Y Combinator alumni (X25)

Ralo was founded in 2025 by Arjun Lalwani and Helly Shah.

ALArjun Lalwani
Arjun Lalwaniin𝕏Co-Founder & CEOHe previously worked as a Product Manager at Google, where he contributed to Hotels and YouTube Shopping initiatives, and holds a computer science degree from the University of Washington.
HSHelly Shah
Helly ShahinCo-Founder & CTOShe previously led design and product work at Google Maps serving over a billion users, and built real-time trading systems at Goldman Sachs. She grew up in a family involved in real estate development across India and the United States.

Investors · 2

Y CombinatorSan Francisco · $500K
Summit PartnersreportedBoston · $10M – $500M

Funding

SEC filings, press & company announcements

$2.9M disclosed across 1 of 2 rounds · 2026

Source: company announcements and press reports — follow each round's link for the claim.

Competitors · 4

by search overlap
Zillow22 shared keywordsZillow operates an online real estate marketplace where consumers can search homes for sale and rentals across US and Canadian cities, view mortgage rate information, and access home financing through Zillow Home Loans. It covers residential property listings, apartments and houses for rent, and mortgage services nationwide.
Redfin9 shared keywordsReal Estate & Homes for Sale, Rentals, Mortgages & Agents
SoundCloud7 shared keywordsAudio distribution and music-sharing platform for artists and creators.
Apartment List7 shared keywordsApartment List operates an online rental marketplace that uses a quiz-based AI matching system to connect renters with apartments that fit their preferences and lifestyle. It serves renters and property managers, primarily in the multifamily housing market.

Companies competing with Ralo for the same Google search keywords, organic and paid, via search-intersection analysis.

In the news

Weekly Funding rounds / Statistics / Insights of June 30, 2026parsers.substack.com · Jun 2026Runpod Raises $100 Million In Funding Led By Summit Partners - Tech Company Newstechcompanynews.com · Jun 2026Ralo raises $2.9 millioncoverager.com · Jun 2026Artificial intelligence mortgage broker Ralo raises $2.9M | National Mortgage Newsnationalmortgagenews.com · Jun 2026Ralo Raises $2.9M In Seed Funding Round - Tech Company Newstechcompanynews.com · Jun 2026Ralo Secures $2.9M Seedtrysignalbase.com · Jun 2026Ralo Raises $2.9M Seedthesaasnews.com · Jun 2026Ralo Launches AI-Native Mortgage Brokerage with $2.9M Seed to Cut Costs and Closing Times - TipRanks.comtipranks.com · Jun 2026

Frequently asked questions

What does Ralo do?
Ralo is an AI-powered mortgage platform that uses machine learning to automate loan processing tasks traditionally performed by multiple intermediaries, enabling lower rates and faster closings for borrowers. The company targets consumers seeking mortgages and aims to reduce hidden fees and overhead costs in the lending process.
Who founded Ralo?
Ralo was founded by Arjun Lalwani, Helly Shah in 2025.
Who are Ralo's investors?
Ralo's investors include Y Combinator, Summit Partners.
How much funding has Ralo raised?
Ralo has disclosed $2.9M raised across 1 of its 2 known rounds.
Where is Ralo headquartered?
Ralo is headquartered in New York City, US.