The MLO Project
Dismantling the Status Quo, One Episode at a Time. The MLO Project is THE podcast for loan officers and industry professionals who are ready to evolve. We’re here to disrupt the old guard, break free from outdated norms, and deliver insights that actually matter. Hosted by mortgage industry veterans Jason Frazier & Michael McAllister, The MLO Project promises No fluff. No clichés. Just real talk, fresh ideas, and actionable takeaways to elevate your career and the industry. The MLO Project is presented by Empower LO
Episodes
Look, we are going to piss some people off today. Good. That means we're doing our job.
Michael and Frazier are coming in hot on this one, and if you've been spending your weekends hunched over a laptop vibe coding some custom AI tool you think is going to crush it in 2026, you need to hear this episode right now. Like, stop what you're doing and press play.
Here's what went down. On February 5th, two n...
Fresh off MortgageCon, Frazier and Michael break down what made this event completely different from the typical mortgage conference experience.
From hosting the event inside Universal Studios to AI duels, practitioner-led sessions, and private park access, this wasn’t just another sit-in-a-ballroom event. It was immersive, high-energy, and packed with real, usable insights for loan officers who actually want to grow.
But ...
Thinking about running paid ads in 2026? Pump the brakes.
Frazier and Michael are breaking down the truth about paid advertising — what works, what doesn’t, and where most loan officers go wrong. Whether you’re sitting on a 30K marketing budget or barely spending $300 a month, this episode is a tactical deep dive into interruption vs. intent, social vs. search, and why Google still wins if you're serious about ROI.
No...
You think that client is “yours”? Think again.
In this episode, Frazier (COVID-stricken but still showing up) and Michael (running on espresso and spite) break down a brutal but necessary truth: you don’t own the customer, you’re just renting attention.
From trigger leads to servicing transfers to Rocket buying Mr. Cooper, the guys explain why your feelings don’t belong in the pipeline and how whining about lost deals won’...
It’s a new year, which means your feed is flooded with goal-setting posts, vision boards, and all the same recycled motivation. But here’s the truth: None of that matters without execution. In this episode, Frazier and Michael torch the traditional January BS and get straight to what actually drives success in 2026.
You’ll hear why most loan officers set goals that are more about ego than execution—and how that mindset wi...
In this special New Year's edition of The MLO Project, Frazier and Michael tackle two hot headlines shaping the future of the mortgage industry. From National Mortgage News’ prediction that 2026 will be the industry’s “reset year” to HousingWire’s deep dive on the growing dominance of DSCR loans—this episode is packed with straight talk, strategic insights, and zero fluff.
Frazier breaks down key takeaways from the “...
Some of you need to hear this—not everyone in your life is helping you win.
That includes the guy on your LO team who complains every day.
That includes your "mentor" who hasn’t closed a loan since 2019.
And yes, that might even include family.
In this episode, Frazier and Michael break down a viral Growth Notes topic: removing toxic people from your business and your life. It starts with the clow...
This one isn’t for the fragile.
Frazier comes in hot after a no-filter conversation with a loan officer who needed the truth and Michael is right there with him pulling zero punches. This episode dives deep into the entitlement mindset plaguing LOs in today’s market. Just because you used to be good doesn’t mean you still are. Nobody owes you leads, results, or respect just because you show up.
It’s about time we said it o...
We’ve been hearing a lot of noise lately…
“AI is going to replace loan officers in 18 months.”
Cool story. Let’s talk about it.
In this episode, we go straight at the hype.
No fluff. No fear tactics. Just facts.
- Will AI change the game? Yes.
- Will lazy LOs get replaced? Also yes.
- Will high-performers get wiped out? Not a chance.
If you’re tired of the same old doom-and-gloom headlines, this is your reset button.
👉 I...
Zillow just got smacked with a RICO and RESPA class action lawsuit—and your favorite originator tag team isn’t holding back. Frazier and Michael go full Napoleon Dynamite-mode and break down how this case could rock the entire mortgage and real estate ecosystem.
This isn’t just about Flex. It’s about pay-to-play models, illegal referrals, and what needs to happen for real change. Should RESPA be redefined? Are MSAs dead? ...
In this special in-person episode of The MLO Project, Frazier and Michael sit down with Florida broker and First Coast Mortgage co-founder Jason Kindler, live from Idaho at the High Table mastermind. It’s a no-fluff conversation about leadership, building efficient operations, crushing limiting beliefs, and redefining what’s possible for mortgage companies heading into 2026.
Kindler opens up about his personal and profess...
“Strike Rate, Stale Leads, and Regret”
In this unfiltered episode of The MLO Project, Frazier and Michael go off the rails (and the map) with a fiery breakdown of one of the most neglected goldmines in the mortgage business: your damn database.
Coming off the Accelerate session at Fuse, the guys break down why strike rate conversations are a no-brainer, why most LOs fumble their past client relationships, and why assuming ...
In this high-energy episode of The MLO Project, Frazier and Michael come in hot fresh off AIME’s Fuse 2025, breaking down lessons, laughs, and the unexpected win of a 7:00 a.m. breakout session that packed the room.
Michael shares the behind-the-scenes story of his first “legit” Fuse experience, the vibes-only navigation system through the Gaylord Opryland, and why his High-Level Blueprint session had brokers buzzing befo...
Abdel Khawatmi didn’t just show up—he dropped a masterclass.
From building a consumer-direct and partner-driven hybrid model, to running multiple AI-driven systems, to scaling a team while still showing up like a true operator, this episode is everything The MLO Project is about.
Abdel breaks down exactly how he tracks every KPI in his business, uses social media as a brand amplifier (not a direct lead source), integrates...
After months of build-up, calendar mishaps, and playful trash talk, Luke Shankula finally joins Frazier and Michael on The MLO Project. This episode delivers on all fronts: insights, shade, real talk on AI, marketing, lead gen, and why most loan officers are misusing the tools that should be helping them win.
The trio dives into why AI isn’t a magic wand, how bad sales habits get amplified by tech, and how Luke’s transiti...
Episode Overview
Hammer joins the MLO Project for what might be their most offensive (and honest) episode yet. From lock advice to social media strategy, Hammer breaks down what's actually working in today's market - and what's complete garbage.
Key Topics Covered:
The Rate Game (And Why You're Playing It Wrong)
The Emotional Side of Home Buying
Business Development Reality Check
Social Media Strategy That ...
Proactivity in Loan Origination: Stop Obsessing Over Rates
In this episode of The MLO Project, hosts Frazier and Michael emphasize the importance of focusing on proactive, everyday actions over obsessing about fluctuating loan rates. They argue that industry success hinges on maintaining consistent communication with clients, having solid systems and processes in place, and focusing on long-term relationships ra...
In this episode of the MLO Project, hosts Frazier and Michael discuss the impact of media sensationalism, particularly focusing on a recent headline by HousingWire that inaccurately suggested that Equity Prime Mortgage (EPM) could no longer originate FHA loans. The hosts emphasize the importance of reading beyond headlines and understanding the broader implications of clickbait on both individual behavior and the mortgag...
In this episode of the MLO Project, Frazier and Michael dive into the importance of community in the mortgage industry and announce the launch of MLO Hub - a new platform designed specifically for mortgage professionals to connect, learn, and grow together.
The Community Problem
- Why Facebook groups aren't cutting it for professional growth
- The challenge of siloed communities in the mortgage industry
- How social media...
Empowering Loan Officers with HighLevel CRM Solutions
In this episode of the MLO Project, hosts Frazier and Michael dive deep into the benefits of using HighLevel CRM for mortgage professionals. They discuss the value of HighLevel as a single platform for managing leads, marketing, and daily workflows, aiming to make it the number one CRM in the mortgage industry. They also introduce HL4 (HighLevel for Mortgage ...
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