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 We’re here to disrupt the old guard, break free from outdated norms, and deliver insights that actually matter.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
AI is moving fast.
Most mortgage teams are still trying to figure out what actually matters.
Frazier and Michael sit down with Chris Nielson at the High Table Mastermind in Myrtle Beach to talk about the real role of AI inside a broker business.
Not the hype.
Not the buzzwords.
The actual use cases that buy back time, simplify operations, and help LOs focus on revenue-producing work.
Chris breaks down how his team is usin...
This one is for every broker owner who thinks compliance is something they can deal with later.
Frazier and Michael sit down with Jim Bell, the guy who helps brokers handle the stuff most people want to avoid:
👉 Licensing
👉 Compliance
👉 Call reports
👉 State exams
👉 Information security
And Jim makes one thing very clear.
Compliance does not have to be scary.
But ignoring it absolutely can be.
This episode...
This one is going to make a few LOs uncomfortable.
Frazier and Michael are calling out one of the quietest money leaks in the mortgage business:
👉 Buying tools you don’t fully use
👉 Switching platforms before building a process
👉 Confusing activity with progress
👉 Building “solutions” that don’t actually create revenue
Because here’s the truth:
A new CRM will not fix a lack of ...
This one pulls no punches.
Frazier and Michael go straight at two of the most common excuses in today’s market:
👉 “I’m not techie”
👉 “I have ADHD”
And they’re not buying either one.
In a market that’s evolving faster than ever, these aren’t just harmless statements—they’re self-imposed ceilings. If you’re using t...
Most loan officers aren’t failing because they’re not working hard enough.
They’re failing because they’re building a business that doesn’t fit them.
In this episode, Frazier and Michael break down one of the most overlooked problems in the mortgage industry: misalignment between your strengths and your business model.
You’re told to:
- Prospect like this
- Build rela...
The market isn’t “getting tough.”
It’s changing.
And most loan officers are still operating like it’s 2021.
In this episode, Frazier and Michael break down the reality of the new economy—where AI, inflation, global conflict, and shifting consumer behavior are rewriting the rules in real time.
No predictions. No false hope.
Just a blunt question:
👉 If the market flipped tomorr...
This one gets heated.
On this episode of The MLO Project, Frazier and Michael break down a real-world lawsuit involving loan officer poaching, data handling, and alleged email surveillance, and what it exposes about the mortgage industry.
Spoiler: nobody looks clean.
From loan officers forwarding borrower files…
To lenders locking people out overnight…
To shady transitions and broken trust…
Th...
In this episode, Frazier and Michael break down one of the biggest silent killers in production: overcomplicated CRMs and bloated pipelines.
15 stages. Endless automations. “What if” scenarios everywhere.
It feels productive. It’s not.
This conversation cuts through the noise and shows you how to simplify your pipeline, clean up your CRM, and actually use your system the way it was meant to be used&md...
This episode is a straight shot at the junk flooding your feed.
Frazier and Michael break down the rise of fake engagement posts, real estate mastermind nonsense, AI generated garbage, and why too many people are getting pulled into content that has zero value. From ridiculous Facebook group drama to obvious bait posts and recycled AI takes, this conversation is all about protecting your attention and staying focused...
The mortgage industry is buzzing about one headline right now: Veterans United is being accused of steering and deceiving military veterans.
In this episode, Frazier and Michael break down what the lawsuit actually says, what parts of it matter, and why loan officers should be paying attention.
This conversation goes deeper than industry gossip. It touches on the ethics of VA loan marketing, potential RESPA violations...
On this episode of The MLO Project with Frazier & Michael McAllister...
Compass pulled 500,000 listings from Zillow overnight. Redfin gets the inventory. Rocket gets the mortgage. And most loan officers are still asleep. Frazier and Michael break down the Compass, Redfin, and Rocket trifecta, what it actually means for your pipeline, and why the loan officers who have been building real relationships are going to...
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 new AI models dr...
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 t...
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 se...
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 an...
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&...
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 ...
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 ...
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&rs...
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 ...
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