From one ZIP code to a pipeline that’s yours.
YPN USA is the growth system behind your mortgage business. It gives you local visibility, an AI assistant that captures and follows up with borrowers, and Realtor co-marketing, all built around a ZIP only you hold on the platform. Start with a free ZIP check. You only pay when you want the ZIP protected.
Free check, no signup. Or Create a free account, no credit card.
- One loan officer per ZIP
- Free plan, no credit card
- 15-day trial on paid plans
- Cancel online anytime
What happens, in order
Check your ZIP
Enter the ZIP you want to grow in. You’ll see whether it’s open and a modeled local-opportunity estimate. Checking is free and doesn’t reserve it.
Start free with Cerebro™
Create a free account. Tell Cerebro, your AI growth assistant, your market and your biggest challenge, and it drafts your first Mortgage Growth Plan.
Turn on your growth system
Launch your branded borrower pages and intake, local SEO pages, Google Business Profile support, automated follow-up and Realtor co-marketing tools.
Protect your ZIP
Start a 15-day trial on Growth, Pro or Elite. Each includes one protected ZIP. While your paid plan is active, YPN USA won’t assign it to another loan officer.
What YPN USA handles, and what stays with you
| Stage | YPN USA does | You do |
|---|---|---|
| Attract | Local SEO pages for your ZIP and loan programs, Google Business Profile post and update drafts, shareable content | Approve content and keep your NMLS and advertising details accurate |
| Capture | Branded borrower pages and intake. Cerebro greets visitors day or night and collects loan goal, timeline and contact details | Nothing. It runs while you’re in appointments |
| Follow up | Automated follow-up on a schedule so inquiries don’t go cold, and it flags who needs a loan officer next | Take the conversations that are ready for licensed advice |
| Partner | Co-branded Realtor resources, pages and marketing support | Build the relationship and follow RESPA and your compliance rules |
| Close | Keeps your pipeline data recorded under your account | Originate in your own LOS and CRM. YPN USA works alongside them |
Built for loan officers who want to own their market
- Solo and small-team MLOs who are tired of racing other lenders to the same shared lead
- Referral-heavy originators who want an inbound channel that doesn’t depend on two or three agents
- Purchase-focused LOs who want to be the visible local expert in a specific ZIP
Who should look elsewhere
- Anyone who needs a list of contacts to call by tomorrow morning. YPN USA builds owned demand; it doesn’t sell leads
- Unlicensed users. Cerebro assists a licensed loan officer and never gives mortgage advice
- Teams that want a replacement LOS or CRM. YPN USA is a growth layer that works next to them
Start free. Pay when the ZIP matters.
Paid plans start with a 15-day trial, then renew monthly until you cancel online. Additional ZIPs are a separate paid upgrade, subject to availability. Full plan details →
How it works: common questions
Does checking a ZIP reserve it?
No. Checking is free and doesn’t reserve anything, and neither does a free account. A ZIP becomes exclusive when you start a qualifying paid plan, subject to availability.
What does “exclusive ZIP” mean exactly?
One loan officer per ZIP on the platform. While your paid plan is active, YPN USA doesn’t assign that ZIP to another MLO. Borrowers can still choose any lender.
Do I have to replace my CRM or LOS?
No. YPN USA is a growth layer for visibility, capture, follow-up and Realtor co-marketing. It works alongside the systems you already use.
Does Cerebro talk to borrowers for me?
Cerebro engages visitors, helps qualify inquiries, and keeps follow-up moving. It doesn’t give licensed mortgage advice. It surfaces the conversations that need you.
Is YPN USA a lead vendor?
No. It doesn’t resell contacts. It gives you the tools to build your own local source of business. Results depend on your market and your follow-through, and none are guaranteed.
Can I cancel?
Yes. Paid plans renew monthly after the 15-day trial, and you can cancel online anytime with no calls or fees.
See if your ZIP is still open.
Checking is free and takes seconds. If it’s open, start free, or protect it with a 15-day trial on any paid plan.
YPN USA provides marketing technology to licensed mortgage loan officers. It is not a lender. No leads, closings or rankings are guaranteed. Founder David J. Moore, MBA · NMLS #787257.