How does YPN USA generate mortgage leads?

YPN USA uses AI behavioral signals to identify homeowners and buyers actively searching for mortgage information online. The system scores each lead by intent level so you know which contacts to call first — not cold lists recycled from other vendors.

Is the automated follow-up RESPA and TCPA compliant?

Yes. All YPN USA nurture sequences are designed with RESPA and TCPA compliance built in. Consent is captured before any SMS campaign and you retain full control of all outreach at all times.

How quickly can I get started and see results?

Most loan officers complete setup in under 1 hour. The AI starts generating leads on Day 1. On average, YPN USA users see their first qualified lead interaction within 3–5 business days.

Does YPN USA help with Realtor referral partnerships?

Yes. The Realtor Partnership System identifies top-producing agents in your market and automates co-marketing campaigns. Members average 3x more Realtor referrals within 90 days of activation.

Is there a free plan with no credit card required?

Yes. YPN USA offers a genuine free tier — not a time-limited trial. You get the AI Lead Generator, basic nurture sequences, and the AI Content Writer at no cost.

What makes YPN USA different from other mortgage lead vendors?

Most lead vendors sell the same contact to 3–5 loan officers simultaneously. YPN USA gives you exclusive ZIP territory — once you claim a market, no other MLO on the platform can compete for those same leads.

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Built for independent mortgage professionals

DON'T CHASE YOUR MARKET.OWN IT.

Build a mortgage pipeline you control, put Cerebro™ on the follow-up, and become the loan officer Realtors want to work with.

Start Free — Meet Cerebro Check Your ZIP

Free Cerebro growth diagnostic
No paid lead delivery until you subscribe
One included exclusive ZIP on every paid plan

CEREBRO™ · AI Mortgage Growth Agent

Your growth diagnostic starts here

Want more mortgage business without depending on Realtor referrals?

Cerebro learns your market, production goals, loan mix, lead sources and biggest bottleneck, then builds your initial Mortgage Growth Plan.

YES — Show Me How

Territory intelligence

Check your ZIP before another loan officer claims it.

You can check availability free. Paid subscriptions include one protected ZIP; additional ZIPs are separate paid add-ons when available.

One system, fewer disconnected tools

The operating system behind a modern mortgage growth business.

YPN USA combines borrower intake, follow-up, Realtor partnerships, content, funnels, local visibility and territory strategy around one MLO-owned pipeline.

Cerebro AI Growth Agent

Diagnoses the business, identifies bottlenecks and helps drive the next best growth action.

AI Borrower Intake Assistant

Captures borrower goals, timeline, credit range and contact information around the clock.

Realtor Partnership Engine

Give agents useful co-marketing assets instead of relying on constant referral requests.

Mortgage Lead Funnels

Purchase, FHA, VA, DSCR, HELOC and refinance pathways built around borrower intent.

Loan Officer Website Builder

LO-branded web assets designed for lead capture, credibility and local search visibility.

Content + Local Visibility

LO-branded content automation, local SEO support and Google Business Profile improvement tools.

The growth loop

Attract. Capture. Convert. Compound.

Instead of renting attention one lead at a time, build assets that keep creating mortgage opportunities.

Attract

Local pages, mortgage funnels, content and Realtor co-marketing create entry points.

Capture

Cerebro and borrower intake convert anonymous traffic into structured opportunities.

Convert

Qualification and follow-up help move the right prospects toward a real conversation.

Compound

Every owned page, relationship and follow-up sequence strengthens the next cycle.

Realtor partnerships

Stop asking Realtors for business. Give them a reason to ask for yours.

YPN USA is designed to help the loan officer become a useful growth partner, not another vendor asking agents for introductions.

Co-branded borrower and campaign assets
Mortgage opportunities stay attributed to the originating MLO inside YPN USA
Real-estate relationships remain with the Realtor where applicable
Borrower choice, licensing and compliance rules still apply

Explore Realtor Partnership Tools

Bring Realtors opportunities instead of asking them for opportunities.

Pricing

Start free. Upgrade for capability, not more included territory.

Every paid plan includes one exclusive ZIP. Additional ZIPs are separate paid add-ons subject to availability.

Free

Cerebro growth diagnostic
Check ZIP availability
No paid lead delivery
No ZIP lock

Start Free

Starter

$29.99 /mo

1 included exclusive ZIP
Core AI growth tools
15-day paid-plan trial

Start Free First

Growth

$99 /mo

1 included exclusive ZIP
Cerebro automation
Lead qualification + funnels
15-day paid-plan trial

Start Free First

Pro

$199 /mo

1 included exclusive ZIP
Advanced Realtor engine
Expanded automation + content
15-day paid-plan trial

Start Free First

Elite

$299 /mo

1 included exclusive ZIP
Team + scaling capabilities
Highest platform limits
15-day paid-plan trial

Start Free First

Start with Cerebro, choose the plan that fits your production goals, and activate paid capabilities when you're ready.

FAQ

What loan officers usually ask first.

What can I do before paying?

Use the free Cerebro growth diagnostic and check ZIP availability. Paid lead delivery, exclusive ZIP activation and premium automation require a paid subscription.

How many ZIPs are included?

Each paid plan includes exactly one exclusive ZIP. Higher plans increase capability, not included territory.

Do you guarantee leads or closings?

No. YPN USA provides technology, marketing systems, territory tools and automation. Results depend on market conditions, execution, licensing, follow-up and other factors.

What happens to mortgage leads from a co-branded Realtor campaign?

Mortgage opportunities generated through an MLO's YPN USA assets remain attributed to that MLO inside the platform under YPN USA routing rules. Borrowers retain their right to choose providers.

Is there a trial on paid plans?

The current commercial model is structured around a 15-day paid-plan trial.

Cerebro is the brain. YPN USA is the operating system.

Stop building your business on someone else's pipeline.

Start free. Let Cerebro diagnose the growth problem first. Upgrade when you're ready to put the full system to work.

Start Free — Meet Cerebro

YPN INC · NMLS #787257 · This platform provides exclusive territory access and lead tools to licensed mortgage loan officers. Not a lender. Not a loan offer.