The MLO Project

Frazier
  • 4.7 (32)
  • MARKETING
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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 We’re here to disrupt the old guard, break free from outdated norms, and deliver insights that actually matter.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

  1. 2D AGO

    Did MortgageCon Just Change The Mortgage Event Game? (Again) | Ep. 51

    Send a text 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 beyond the experience, the real value came from the content. The recurring themes were clear: don’t lose your humanity in an AI world, stop being a product pusher, and start showing up as a true advisor. This episode covers the biggest takeaways, standout speakers, and the lessons loan officers should actually implement instead of just taking notes and doing nothing. No fluff. No hype recap. Just real insights from a high-impact industry event. What You’ll Learn Why Mortgage Con stood out from traditional mortgage conferencesThe common theme across top speakers: humanity over automationHow storytelling and communication are becoming the new competitive edgeWhy practitioner-led content hits harder than theory and hypeThe role AI should actually play in your mortgage businessHow event environments impact learning, networking, and executionReal Talk Quotes “It’s still a mortgage event, but the experience changes everything.” “Don’t lose your humanity just because AI is getting louder.” “If you went to MortgageCon and didn’t get one takeaway, you chose not to.” “Stop being a rate pusher. Be the advisor.” “You invested the time and money. Now do something with what you learned.” Tactical Takeaways ✅ Focus on being a trusted advisor, not just a product or price salesperson ✅ Use AI to enhance communication, not replace human connection ✅ Create content that answers real client questions you get daily ✅ Authenticity attracts the right clients and repels the wrong ones ✅ Events only create ROI if you execute on what you learn ✅ Community and experience amplify retention of education and networking Want to Implement What You’re Learning? This episode is powered by Empower LO and HL4, where strategy, simplicity, and execution come together to help loan officers grow without unnecessary complexity.

    31 min

  2. FEB 3

    Real Talk About Paid Ads: Intent Beats Interruption. Every Time. | Ep. 50

    Send us a text 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 fluff. No theory. Just straight talk on what actually drives deals — and what will drain your wallet. What You’ll Learn Why social media ads aren’t dead — but most of them are dumbThe difference between passive brand amplification and transactional lead genWhy low-cost leads are usually garbage (and what actually matters)How intent changes everything — and why interruption-based ads have a short fuseWhat to realistically budget for Google or social ads in 2026Real Talk Quotes “You don’t own the customer. You’re just renting attention.”“Lead cost means nothing if the leads suck.”“You’re never gonna get a CTC on your feelings.”“Intent-based leads wait for you. Interruption leads forget you.”“We can all get 50-cent leads. That’s not the flex you think it is.”Tactical Takeaways ✅ Expect to spend $1,500/month minimum if you want transactional ROI✅ Social media ads work best to amplify brand — not chase cold leads✅ Google Search ads are still the king of high-intent lead generation✅ YouTube & TikTok are the only social platforms with real search intent✅ If you’re not following up with automation, you’re burning money✅ Don’t run your own ads unless you want to waste time and budgetWhy This Episode Matters Most LOs are playing checkers when it comes to paid ads — this episode helps you play chess. Whether you’re doing consumer direct or trying to convert your social audience, you’ll learn where to invest, what to expect, and how to actually get deals from your dollars. Want Help Running Ads That Work? This episode is powered by Empower LO, the trusted team behind hundreds of top-producing LOs running scalable Google ad campaigns. Learn more at empowerlo.com

    38 min

  3. JAN 27

    You Don’t Own the Customer | Ep. 49

    Send us a text 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’t get you paid. This is about controlling what you can control — and mastering retention like a pro. If you’re tired of losing past clients and still blaming the system, this one will hit different What You’ll Learn Why "owning the customer" is a myth that will keep you brokeThe real risk behind complacency and client silenceWhat top producers actually do to retain businessHow to run a smarter, tighter, more memorable follow-up gameWhy you need to start investing in client retention — not just lead genReal Talk Moments “You’re never gonna get a CTC on your feelings.”“Valuable is valuable. Be a utility. Be unforgettable.”“Every loan is a rental — unless you earn the right to get called back.”Tactical Ideas from the Episode Host small mixers or client events that build communityBake in strike-rate conversations within 30–60 days post-closeInvest a % of every commission check into client retentionShow up with personalized messages, not cookie-cutter junkBuild a system that makes you the first call, not the last memoryWhy This Episode Matters If you’re getting mad about losing clients, you’ve already lost. The game in 2026 is about connection, consistency, and control — and this episode will show you how to win it. 📲 Subscribe, Share, Show Up ✔️ Subscribe to The MLO Project 📤 Forward this episode to your team or biz partner 🧠 Screenshot your favorite takeaway and tag @frazier & @michael

    29 min

  4. JAN 6

    Goals Are Just Greeting Cards for Your Ego | Ep. 48

    Send us a text 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 will keep you broke and burned out. We break down the difference between real commitment and performative goal-chasing, and give you the mental framework needed to stop resetting your goals and start finishing them. No gimmicks. No cute quotes. Just a full-throttle conversation about what it actually takes to win this year—and why headlines might be your best strategy yet. 💥 What You’ll Learn Why most goals are designed to make you feel productive, not be productiveThe real reason you fall short by FebruaryHow “headlines” are better than goal lists (and what that actually means)What to do when motivation fadesThe mindset shift that separates top producers from everyone else🧠 Why This Episode Matters This isn’t another “set your goals” pep talk. It’s the slap in the face you need to stop playing small and start leading with clarity and conviction. If you’re tired of fake progress and real burnout, this episode is your reset button.

    38 min

  5. 12/31/2025

    Headlines: The Reset, The Risk, and The Rise of DSCR | Ep. 47

    Send us a text 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 “2026 reset” article, calling out the recycled advice on chasing shiny objects, while uncovering powerful truths about layered affordability solutions and compliance complacency. Michael fires back with a deeper look at DSCR momentum, TCPA liability, API key nightmares, and why brokers need to wake up about their exposure. Whether you’re fired up for growth or still dragging from 2025, this conversation is your reality check heading into the new year. 💥 What You’ll Learn Why the “2026 Reset” isn’t a prediction—it’s overdue disciplineThe real risks behind non-compliance and liability landminesHow DSCR loans are becoming a long-term shift, not a passing trendWhy serial TCPA litigators are your biggest hidden threatHow brokers are recklessly exposing client data without knowing itThe difference between real execution and just hoping something sticksWhat loan officers must fix before it costs them everything🧨 Hard Truths Dropped “You’re not getting a pass because you did it right last year.”“If you’re waiting for affordability to be solved, you’ll be waiting forever.”“There’s no silver bullet. There’s just layered solutions and discipline.”“Compliance isn’t your problem—liability is.”“Most brokers are one Zapier key away from a data breach.”🚨 Sponsors This episode is brought to you by: MLO Hub – Your all-in-one platform for community and growthHL4 – High-Level automation built for mortgageEmpower LO – The growth engine behind top-producing brokers🔗 Join the Community Ready to cut the noise and grow with real professionals? Join the MLO Hub community today (free to join). Links are above. 💬 Want to Be Featured or Debate a Topic? Slide into Frazier or Michael’s DMs. This show is made for LOs who are done playing small.

    32 min

  6. 12/16/2025

    Delete the Drama or Stay Broke | Ep. 46

    Send us a text 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 clowns in your comment section—but it runs much deeper. From drama in Facebook groups to legacy LOs poisoning the office with fear and frustration, this episode is about cutting the cord and reclaiming your mindset. What You’ll Hear: Why loan officers can't afford to keep toxic voices aroundThe kind of feedback that kills your momentumSocial media etiquette for professionals (read: stop being a hater)When to unfollow, unfriend, and unplugWhy "I've been doing this for 20 years" is a 🚩 not a flexThe subtle way negativity spreads without you noticingFrazier’s Challenge of the Week: ✅ Audit your environment. ✅ Audit your circle. ✅ Audit your feed.  If it drains you, it’s gone. You can't grow surrounded by people who hate growth. Why This Episode Matters: Most people don’t fail from lack of skill—they fail from the wrong proximity. Bad energy is contagious. And if you're trying to win in 2026, you better start cleaning house now. Ready to Replace Toxicity with Momentum? Join the MLO Hub and plug into a community built for loan officers who want more: more growth, more action, more real. It’s free. It’s focused. And it's where the winners hang out. 🎧 Listen. Reflect. Take action. This is The MLO Project. Let’s go.

    27 min

  7. 12/09/2025

    You’re Owed Nothing. Earn It. | Ep. 45

    Send us a text 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 out loud: The reason you’re losing has nothing to do with rates or realtors. It has everything to do with your standards. From weak routines to second-guessing your own value, this episode will either shake you awake or offend you. Either way, it’s exactly what the middle of the market needs to hear. 🔥 What You’ll Hear: Why confidence sells before the price ever shows upHow price objections usually come from your own doubtWhy the market owes you nothing—and never didThe energy transfer LOs don’t realize they’re makingA challenge that could transform your entire weekThe problem with “average” and why most of the industry lives there🎯 Frazier’s Challenge of the Week: ✅ One full day. ✅ 100% effort. ✅ Zero excuses. Can you actually give all of you for just one day? If not, stop saying you want to win. 💥 Why This Episode Matters: This market is hard. But winning is still possible. And the ones who will win? They’re the ones who stop whining, stop waiting, and start working like they mean it. If this one hit you hard, that’s the point. Tag @JasonFrazier and @MichaelMcAllister in your post. This is The MLO Project. Now go do something with it. Join us in HL4 on The MLO Hub!

    26 min

  8. 12/02/2025

    If You’re An Average LO, AI’s Your Replacement Plan | Ep. 44

    Send us a text 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. 👉 It’s time to stop reacting and start adapting. 🎧 Listen now.

    26 min
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4.7
out of 5
32 Ratings

About

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

Information

  • Creator
    Frazier
  • Years Active
    2018 - 2026
  • Episodes
    51
  • Rating
    Explicit
  • Copyright
    © 2026 The MLO Project
  • Show Website
    The MLO Project