Licensed where it matters. Audited where it counts.
Ralo Corporation operates as a licensed mortgage broker under federal and state oversight. Every license, every regulator, every protection — listed in plain English.
Verify on NMLS Consumer AccessWhere we're licensed
State license naming conventions vary by regulator. Some states use “Mortgage Company” or similar labels in NMLS even where the company operates as a mortgage broker under that state’s licensing framework.
Ralo is currently authorized to conduct business in California, Colorado, and Texas. Confirm the latest status directly on NMLS Consumer Access before relying on any advertisement or disclosure.
Who watches us
As a licensed mortgage broker, we operate under the oversight of multiple regulatory bodies that protect consumers and enforce fair-market practices.
Consumer Financial Protection Bureau
Federal agency that enforces consumer protection laws for mortgages, including TILA, RESPA, and the ability-to-repay rule.
Learn moreNationwide Multistate Licensing System
Central system for licensing and registration of mortgage companies and loan originators in the United States.
Learn moreU.S. Department of Housing and Urban Development
Federal agency responsible for national housing policies and programs, including fair housing enforcement.
Learn moreConsumer protections
What we promise — and what federal law requires us to promise.
Equal Housing Opportunity
We comply with the Fair Housing Act and do not discriminate based on race, color, religion, national origin, sex, familial status, or disability.
Transparent Disclosures
We provide clear Loan Estimates and Closing Disclosures as required by TILA-RESPA, helping you understand all costs before committing.
Clear Fee Breakdowns
We identify and call out fees so you can understand what you are paying for and why.
Data Protection
Your personal information is protected with industry-standard encryption and never sold to third parties.
State advertising disclosures
Broker-focused disclosure copy based on the current NMLS Consumer Access record reviewed for this website. Reviewed by counsel before final publication.
Mortgage broker under California DRE; Real Estate Corporation MLO license endorsement #02386277.
Colorado Mortgage Company Registration.
Texas SML Mortgage Company License.
Need to talk to someone about a license?
Public contact: 115 E 23rd St 5th Floor Suite 508, New York, NY 10010 · (484) 799-8382 · hello@ralo.com. Verify Ralo Corporation, trade name Ralo, on NMLS Consumer Access at any time.
Email compliance@ralo.com