Own your mortgage leads —
without waiting on Realtors.
One ZIP. One loan officer. One borrower pipeline that belongs to you — with AI intake, scoring, and follow-up running around the clock. Live in 10 minutes. No credit card. No shared pools.
Shared leads are a tax on your career
The lead-vendor model works great — for the vendor. Here's the math nobody shows you before you buy.
You're racing your own money
The same "exclusive" lead gets resold to as many as 5 competing loan officers. Every dial is a footrace you paid to enter.
Cold lists barely close
Recycled contact lists convert at 1–2% on a good month. Thousands of dollars a year go out. Almost nothing comes back.
Your pipeline isn't yours
If every deal starts with a Realtor's referral, your income depends on someone else's goodwill. That's not a pipeline — it's an allowance.
There's a better model: exclusivity. See if your ZIP is still open →
From ZIP code to pipeline in three steps
No tech skills. No contracts. If you can point and click, you can be live before your coffee cools.
Check your ZIP
Enter your ZIP code above. If it's open, it's yours — one loan officer per territory, first come, first served. Real demand data included.
Launch in 10 minutes
Your borrower page, AI intake chatbot, and compliant follow-up sequences go live with point-and-click setup. No credit card for the free tier.
Own the pipeline
AI scores every lead by intent so you call the hottest first. Follow-up runs itself. Local Realtors start referring to you — not the other way around.
Licensed & Verified
NMLS #787257 · DRE #01852847
25+ Years in Mortgage
Wells Fargo & JPMorgan Chase veteran
Your Territory, Locked
One MLO per ZIP — first come, first served
Built by an Operator
Active loan officer, not a software vendor
Everything an MLO needs to dominate their market
From AI lead generation to Realtor co-marketing — one platform, one monthly fee.
AI Lead Engine
Identifies homeowners and buyers actively searching for mortgage info. Leads scored by intent so you know who to call first.
ZIP Territory Lock
Claim exclusive ZIP codes in your market. Once claimed, no other MLO on YPN USA can target the same area.
Realtor Partnership System
Identify top-producing agents, create co-branded content, and run automated co-marketing campaigns that generate referrals.
Automated Follow-Up
TCPA-compliant nurture sequences via email and SMS. Never lose a lead to slow follow-up again.
Hyper-Local SEO Engine
AI-generated city pages that rank for purchase and refinance searches in your territory.
AI Content Writer
Compliance-aware mortgage content for your blog, social, and email — generated in seconds, ready to publish.
David J. Moore, MBA
President & CEO, YPN Inc. · Active Loan Officer
I built YPN USA because I lived the problem. After 25 years in mortgage lending at Wells Fargo and JPMorgan Chase, I watched loan officers waste thousands on lead vendors who resell the same contacts to five MLOs. YPN USA gives you exclusive territory, AI-powered follow-up, and the Realtor relationships that actually build a pipeline — not just a contact list.
Start free. Upgrade when you're ready.
No setup fees. No contracts. Cancel anytime. Every paid plan starts with a 14-day free trial.
Free
Validate the platform before you spend a dollar.
- AI Lead Generator (5 leads/mo)
- 1 ZIP territory claim
- Basic nurture sequences
- AI Content Writer (3 pieces/mo)
Starter
Lock your first territories and scale AI intake.
- Unlimited AI leads
- Up to 3 ZIP territory locks
- Email nurture sequences
- AI Content Writer (10 pieces/mo)
Pro
The full AI platform for producing loan officers.
- Everything in Starter
- Up to 5 ZIP territory locks
- Full nurture (email + SMS)
- Realtor Partnership System
- Hyper-Local SEO Engine
Elite
For branches and teams that need unlimited scale.
- Everything in Pro
- Unlimited ZIP territory locks
- Multi-user dashboard
- White-label reports
- Priority support
30-day money-back guarantee. Not seeing results in your first 30 days? We refund every dollar. Compare all features on the full pricing page.
Everything you need to know
Real answers from loan officers who've been where you are.
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. Upgrade to Starter, Pro, or Elite when you're ready.
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. Built by an active loan officer, not a software company.
Stop giving your pipeline away.
Claim your ZIP territories before another MLO does. Start free — no credit card required.
ZIP availability updates in real time — one loan officer per territory, first come, first served.
The MLO Playbook — Free.
Mortgage marketing strategies that actually work — no fluff, no ads.
How to Get Clients as a New Loan Officer
Proven first-year strategies that do not require buying leads or cold calling.
0210 Proven Strategies for Mortgage Lead Generation
Methods top-producing MLOs use to fill their pipeline without one single source.
03RESPA-Compliant Realtor Co-Marketing Ideas
Build Realtor partnerships that generate steady referrals without crossing compliance lines.