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 We’re here to disrupt the old guard, break free from outdated norms, and deliver insights that actually matter.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
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...
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 mort...
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 me...
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 Mortga...
In this episode of the MLO Project, Michael and Frazier are joined by special guest Darren "DC" Copeland, owner and founder of Summit Lending. The discussion covers a range of topics including overcoming obstacles, the importance of being coachable, and leveraging AI and modern marketing tactics to stay ahead. DC shares his insights from over 22 years in the mortgage industry, emphasizing the need for discip...
In this episode of the MLO Project, hosts Frazier and Michael dive deep into the topic of failure. They share personal stories of significant setbacks, exploring how these experiences have shaped their professional lives and perspectives. Frazier recounts the collapse of his business relationships and the subsequent reputational damage that forced him to rebuild from the ground up. Similarly, Michael shares his experi...
In this episode of the MLO Project, Frazier and Michael discuss the importance of loan officers niching down to maximize their expertise and business opportunities. They hit on common misconceptions about limiting income potential by focusing on a niche market. They share personal experiences and insights on how becoming an expert in a specific area can lead to broader business opportunities and industry recognition.
...
In this episode of the MLO Project, hosts Frazier and Michael introduce exciting news about their new initiative, High Level for Mortgage Pros 2.0. The main discussion revolves around the top five essential marketing automations for mortgage professionals, emphasizing the importance of consistent follow-up and personalization. The five key automations include instant lead response, abandoned application reminders, pre...
In this episode of The MLO Project, Michael sits down with Chris Lamm—a mortgage veteran out of Redding, California—for a raw, real-world conversation about what it takes to thrive in this business over the long haul. Chris shares how he broke into the game at 17, how he weathered the 2008 crash, and what’s kept him leveling up ever since.
They dive into the gritty stuff—balancing work and family, the mental edge coach...
In this episode of The MLO Project, Frazier and Michael discuss one of the most underutilized lead-gen strategies in the mortgage industry right now: webinars.
They dive into how mortgage pros are using webinars to go direct-to-consumer, generate warm leads, and build real authority—without cold calling or spending a fortune. With tools like HighLevel making automation and follow-up simple, this isn’t just theory—it’s ...
In this episode of The MLO Project, Frazier and Michael McAllister go coast-to-coast—from Idaho to Georgia—to break down what’s really happening with Google Ads in the mortgage game.
They tackle rising ad costs, how AI is changing search behavior, and why most LOs are wasting money on outdated strategies. If you’re not using long-tail keywords and thinking about conversions before clicks, you’re already behind.
They als...
In this episode of The MLO Project, Frazier and Michael take a flamethrower to the myths holding mortgage pros back.
Think you need to wear a suit to be taken seriously? Wrong. Think only extroverts win? Nope. Think social media doesn't bring in deals? That’s outdated thinking.
This episode is about killing the cookie-cutter advice that’s still floating around and replacing it with what actually works—authenticity,...
In this episode of The MLO Project, Frazier and Michael get real about the shift happening in the mortgage industry—and what it means for your mindset.
They spotlight how newer loan officers, unchained from the “way it used to be,” are taking massive action and winning. Meanwhile, seasoned pros stuck in old habits are falling behind.
The hosts break down why mindset resets are no longer optional and how experienced LOs ...
In this episode of The MLO Project, Frazier and Michael dive into one of the biggest blind spots in the mortgage industry—tech adoption.
They unpack why buying great tools isn’t enough if no one actually uses them. From top-down leadership buy-in to having internal champions (especially top producers), they share what it really takes to make tech stick in your company.
The hosts also drop practical advice on how to keep...
In this episode of The MLO Project, Frazier and Michael recap their time at the TAG Conference in Atlanta—sharing big takeaways, personal reflections, and a few laughs along the way.
From standout moments with speakers like Dr. Jordan Peterson and Braden Shaw to real conversations about what’s working (and what’s not) in the mortgage industry, this one’s packed with insight. The hosts talk about why community and conne...
In this high-energy episode of The MLO Project, Frazier and Michael "Hot Sauce" McAllister cut through the noise to reveal what actually separates elite loan officers from everyone else grinding it out in the mortgage trenches.
They break down the non-negotiable traits that every top producer shares—laser focus, decisive action without second-guessing, and communication skills that turn prospects into clients...
In this special in-person episode of The MLO Project, recorded live at Fulcrum Studio in Eagle, Idaho, Frazier and Michael break down what it really takes to attract and support great loan originators.
They cover why your recruiting pitch must match your reality, how authentic culture beats hype, and why modern branding and marketing aren’t optional anymore. Whether you’re trying to recruit top producers or nurture gro...
In this powerhouse episode of The MLO Project, Frazier and Michael sit down with mortgage leader, speaker, and coach Brian Covey for a raw conversation on what it really takes to lead, inspire, and win in today’s mortgage market.
Fresh off his move to CrossCountry Mortgage, Brian opens up about leadership, personal branding, and the power of storytelling to build trust and long-term advocates—not just one-time closings...
In this episode of The MLO Project, Frazier and Michael welcome a special guest—Michael’s wife and business partner, Kimberlee McAllister—for a candid, funny, and insightful conversation about building a business and a marriage at the same time.
Together, they unpack what it’s like running Empower LO, navigating roles, boundaries, and balancing life in the fast-paced mortgage world. With backgrounds in both mortgage an...
See It. Track It. Win It. The Power of Visualization in the Mortgage Game
In this high-energy episode of The MLO Project, Frazier and Michael break down a game-changing principle for originators: what gets visualized and tracked gets improved.
They dive into how using dashboards, tracking daily activities, and focusing on leading measures (the stuff you control) instead of just lagging results (like closed deals) can tr...
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