Legal
Licensing & Disclosures
Last updated: September 13, 2026
Required disclosures for YPN Inc. and the YPN USA platform.
Not a commitment to lend
YPN USA (app.ypnus.com and ypnus.com) is marketing technology used by licensed loan officers. It is not a lender, mortgage broker, or loan servicer, and nothing on this platform — including a ZIP-territory listing, an AI chat response, or an equity estimate — is an offer of credit, a pre-approval, or a commitment to lend. Actual loan origination, underwriting, and credit decisions are made solely by the licensed loan officer and their sponsoring lender.
NMLS licensing
David J. Moore, MBA · NMLS #787257 · California DRE #01852847.
Current state-by-state licensing information, branch details, and regulatory status can be verified at NMLS Consumer Access. Individual loan officers who subscribe to this platform are independently licensed and are solely responsible for their own state-specific licensing and disclosures.
Equal Housing Opportunity
YPN Inc. and its Subscribers are committed to Equal Housing Opportunity. We do not discriminate on the basis of race, color, religion, sex, national origin, familial status, or disability, or on any basis prohibited by the Fair Housing Act, the Equal Credit Opportunity Act, or applicable state and local law.
Consumer complaints
If you have a complaint regarding a loan officer’s use of this platform, you may contact us at support@ypnus.com or file a complaint directly with the NMLS via NMLS Consumer Access.