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, and close in about 15 days instead of the typical 30–45. We’re backed by Y Combinator, Manresa Ventures, Pack Ventures, and others, with $2.9M raised to make mortgages actually affordable.