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For licensed mortgage loan officers · built by a 25-year MLO

Don't Chase Your Market.
Own It.

Claim your ZIP. Let Cerebro™ AI answer and follow up with borrower inquiries day or night. Give Realtors a real reason to send you business. Everything runs under your brand, not a lead vendor’s.

Free check, no signup. Want the result plus a simple growth plan? Get your free ZIP Opportunity Snapshot. No credit card.

  • One loan officer per ZIP
  • 15-day trial on paid plans
  • Cancel online anytime

Built by David Moore, MBA · 25 years originating · NMLS #787257 →

David Moore, MBA · Founder, YPN USA25 years as a mortgage loan officerNMLS #787257 · Verify on NMLS Consumer Access
Own Your Market

Your next market starts with one ZIP.

Choose the ZIP you want to grow in. Build local visibility, borrower funnels, and Realtor relationships around your brand.

  1. 1
    Check your ZIP — free, instant

    Checking availability does not reserve it.

  2. 2
    Your ZIP becomes exclusive on a qualifying paid plan

    Growth, Pro and Elite each include one ZIP, subject to availability. A free account does not lock a ZIP.

  3. 3
    Need more than one?

    Additional ZIPs can be purchased separately, subject to availability.

Is your ZIP still open?

One loan officer per ZIP. While your paid plan is active, YPN USA won’t assign it to anyone else.

Free check. No signup required. Checking does not reserve a ZIP.

How It Works

Three steps to your own growth system

1

Check Your ZIP

See the local opportunity before committing. Checking is free and doesn't reserve anything.

2

Turn On Your Growth System

Set up your AI assistant, local presence, borrower funnels, marketing, and follow-up.

3

Build Your Market

Capture opportunities, nurture prospects, strengthen Realtor relationships, and grow your local presence.

The Mortgage Growth Plan™ connects the pieces — one connected system, not six disconnected tools.

1

Attract

Local SEO & visibility

2

Capture

Borrower intake

C

Cerebro

AI qualification

4

Follow Up

Automated nurture

5

Convert

Ready leads to you

6

Grow

Territory compounds

See If Your ZIP Is Open
Meet Cerebro™

Your AI Mortgage Growth Assistant

Tell Cerebro your biggest challenge and your market, and it builds your initial Mortgage Growth Plan — free. It assists the loan officer; it doesn't replace one.

From the first inquiry to the next follow-up, Cerebro helps keep opportunities moving while you stay in control.

  • Engage new prospectsGreets visitors the moment they arrive, day or night.
  • Help qualify borrower inquiriesAsks the right questions and captures loan goal, timeline and contact details.
  • Keep follow-up movingFollows up automatically on a schedule so leads don't go cold.
  • Support your marketingHelps draft local content and Google Business Profile updates for your review.
  • Surface what needs your attentionPoints out the opportunities that need a loan officer next.

Start with your ZIP and one goal, such as: “Help me build more Realtor relationships in my market.”

Get My Free ZIP PlanCompare Plans →
A Better Way To Build Your Pipeline

Stop Buying the Same Opportunity Over and Over.

Traditional lead generation often means paying for access to prospects, competing for their attention, and starting over when the next month's leads arrive. YPN USA helps you build a source of business around your own brand instead.

The Old Way

Rent Your Pipeline

You pay for leads or traffic, chase each opportunity manually, and depend on outside vendors to keep the pipeline full.

  • Rented, shared attentionYou compete for the same prospects other loan officers are also paying to reach.
  • Purchased leadsPay again whenever you need more opportunities.
  • Fragmented toolsWebsite, CRM, social, SEO, and lead vendors often operate separately.
  • Manual follow-upCalls, texts, emails, and reminders depend on you having time.
  • Third-party pipelinesYour flow of opportunities depends on outside vendors.
  • Value stops when spending stopsWhen the campaign ends, new lead flow can slow with it.

You're paying for access to someone else's audience.

The YPN USA Way

Build Your Own Growth System

Build local visibility around your brand while your own AI assistant helps engage, qualify, and follow up with opportunities.

  • Owned, MLO-branded assetsPages, funnels, and content built around your own brand.
  • One starting marketBegin with the ZIP you want to develop and build local visibility there.
  • Borrower intake with CerebroCerebro helps qualify inquiries and keeps appropriate follow-up moving while you originate.
  • Realtor partnership infrastructureGive agents useful co-marketing resources instead of just asking for referrals.
  • Everything working togetherFunnels, content, local visibility, and automation connected in one system.
  • Your own pipeline dataFirst-party pipeline and relationship data recorded under your account.

You're building a marketing asset around your own brand.

Stop renting attention. Build infrastructure. Purchased leads can be a legitimate strategy, and many loan officers use them. The difference is that renting lead flow usually means continued spending, while YPN USA helps you build mortgage marketing infrastructure around your own brand and local market. Borrowers remain free to choose any lender, and no results are guaranteed.

Build My Mortgage Growth PlanCheck My ZIP
The break-even math

One funded loan can cover years of Growth.

Plug in your own numbers. Here’s the math at a typical loan size and compensation:

35months of the Growth plan ($99.99/mo) paid for by one funded loan ($3,500 comp).
Check My ZIP — FreeSee plans

Illustrative arithmetic only, not a projection. YPN USA does not guarantee leads or closings.

Pricing

Start free. Add a ZIP when you're ready.

Every paid plan includes one protected ZIP territory. Higher tiers unlock more platform capability, not more included territory.

Free
$0 /mo
  • Explore Cerebro
  • Check ZIP availability
  • No protected ZIP
Check ZIP & Choose Plan
Recommended start Growth
$99.99 /mo
  • 1 protected ZIP
  • Realtor partnership engine
  • Local SEO pages
  • 15-day trial
Start 15-Day Trial

15-day free trial, then $99.99/month. Renews automatically every month until you cancel — cancel anytime online, no calls or fees. By starting a trial you agree to the Terms of Service.

Pro
$199.99 /mo
  • 1 protected ZIP
  • Advanced automation
  • Expanded local pages
  • 15-day trial
Start 15-Day Trial

15-day free trial, then $199.99/month. Renews automatically every month until you cancel — cancel anytime online, no calls or fees. By starting a trial you agree to the Terms of Service.

Elite
$299.99 /mo
  • 1 protected ZIP
  • Highest platform capability
  • Higher automation limits
  • 15-day trial
Start 15-Day Trial

15-day free trial, then $299.99/month. Renews automatically every month until you cancel — cancel anytime online, no calls or fees. By starting a trial you agree to the Terms of Service.

  • 15 days free on every paid plan
  • Cancel online, no calls or fees
  • One MLO per ZIP, never assigned to another while you’re active
  • Works with your CRM/LOS, no rip-and-replace

Not sure where to start? Explore the free plan, or check your ZIP before choosing a paid plan. Checking a ZIP or creating a free account does not lock a territory. Additional ZIPs are a separate paid upgrade and depend on availability.

Platform Capabilities

One system, built around your market

YPN USA is a mortgage marketing platform for loan officers that brings lead generation, follow-up, and marketing automation together. Explore the tools behind your local growth system.

AI Assistant

  • Cerebro™
  • Lead engagement
  • Qualification
  • Follow-up
AI tools for loan officers →

Local Growth

  • Local SEO
  • ZIP strategy
  • Google Business Profile
  • Market pages
Local mortgage markets →

Borrower Conversion

  • Mortgage funnels
  • Borrower intake
  • Website
  • Lead capture
Loan officer websites & funnels →

Relationship Growth

  • Realtor co-marketing
  • Social marketing
  • Content
Realtor co-marketing →

Intelligence

  • Analytics
  • Growth insights
  • Opportunity tracking
Lead intelligence →

See the full platform

How each piece fits into one growth system.

Platform overview →
Build My Mortgage Growth PlanCheck My ZIP
Realtor Relationships

Give Realtors Another Reason to Work With You.

YPN USA can help you offer useful co-branded resources, mortgage tools, pages, and marketing support that strengthen Realtor relationships — so you become a valuable growth partner instead of the lender who keeps asking, “Do you have anybody who needs a lender?” Learn more about Realtor referral and partnership marketing.

Build My Mortgage Growth Plan

Realtors keep their real-estate relationship and borrowers remain free to choose any lender. Co-marketing must follow RESPA and your own compliance requirements; you remain responsible for your licensing and advertising.

  • Co-branded resourcesBuyer education and mortgage tools carrying both brands.
  • Pages and marketing supportLocal pages and content a Realtor can actually share.
  • A partner, not a pitchGive agents something useful before you ask for anything.
Built By Someone Who Knows The Business

Built from real mortgage production experience

David Moore, MBA, founder of YPN USA
David Moore, MBA Founder, YPN USA
NMLS #787257 · Verify 25 years as a mortgage loan officer

YPN USA was built from real mortgage production experience — around the problems loan officers actually deal with: inconsistent lead flow, manual follow-up, fragmented marketing, and the difficulty of building a recognizable local business.

About David →
Questions

Frequently asked questions

What exactly is YPN USA?

A mortgage growth platform for loan officers. It combines your own AI assistant (Cerebro), borrower capture, automated follow-up, local SEO and funnels, Realtor co-marketing, and ZIP-based territory in one system.

What does my AI assistant do?

Cerebro helps engage prospects, qualify borrower inquiries, keep follow-up moving, and support your marketing. It works alongside you, and it does not give licensed mortgage advice.

What is Cerebro?

Cerebro™ is the AI assistant inside YPN USA — your AI mortgage growth assistant. It assists the loan officer; it does not replace one.

Is YPN USA a lead company?

No. YPN USA is not a lead vendor that resells contacts. It provides the tools and infrastructure to build your own local source of opportunities. No results are guaranteed.

How does YPN USA help generate mortgage opportunities?

By helping you build visibility in your market — local pages, borrower funnels, content, your Google Business Profile, and Realtor co-marketing — and by capturing and following up with the people those efforts bring in.

What does an exclusive ZIP mean?

One loan officer per ZIP on the platform: YPN USA does not assign that ZIP to another MLO while your paid plan is active. Borrowers remain free to choose any lender. Each paid plan includes one ZIP; additional ZIPs are a separate paid upgrade, subject to availability.

When does my ZIP become exclusive?

Checking a ZIP is free and doesn't reserve it, and creating a free account doesn't lock it. A ZIP becomes exclusive when you become a qualifying paid customer, subject to availability.

Can I start free?

Yes. The free plan lets you explore Cerebro and check ZIP availability with no credit card. It doesn't include a protected ZIP. Paid plans include a 15-day trial.

Does YPN USA replace my CRM or LOS?

No. YPN USA works alongside your existing loan origination system and CRM — it's a growth layer, not a replacement for them.

How does Realtor co-marketing work?

You can offer Realtors co-branded resources, mortgage tools, and marketing support. Co-marketing should follow RESPA and your compliance requirements, and you remain responsible for your licensing and advertising.

What does it cost?

There is a free plan with no credit card. Paid plans are Growth at $99.99/month, Pro at $199.99/month, and Elite at $299.99/month. Each includes one available ZIP and a 15-day trial. Additional ZIPs are a separate paid upgrade.

What happens when I click Build My Mortgage Growth Plan?

It takes you to Cerebro on this page. Tell Cerebro your biggest challenge and your market or ZIP, and it builds your initial Mortgage Growth Plan. It's free, and no credit card is required.

What happens to my leads?

Borrower inquiries captured through your YPN USA pages are recorded under your account so you can follow up. Borrowers remain free to choose any lender, and you remain responsible for your licensing, advertising, and consent obligations.

Does YPN USA guarantee leads?

No. YPN USA does not guarantee leads, closings, production, rankings, or Realtor referrals. It gives you tools to build and work your own market.

Your market is already there.

What Could You Build in Your ZIP?

Check your ZIP, save your requested market, and compare plans. Start a 15-day trial when you are ready.

Get My ZIP Plan Options Check My ZIP

No credit card to request plan options. Checking availability doesn't reserve a territory. ZIP exclusivity begins with a qualifying paid plan.

Your market. Your brand. Your AI assistant.

Get Your Free ZIP Opportunity Snapshot

See if your ZIP is open, save your requested market, and choose the plan that fits. Checking does not reserve your ZIP; a qualifying paid plan activates protection.

We use your details to save your request and send product information. Privacy policy. Live leads are available only on paid plans.

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