The Mortgage AI Podcast

Frazier
  • 4.7 (32)
  • Entrepreneurship
  • Updated Biweekly

The Mortgage AI Podcast is a show for lenders, mortgage brokers, loan officers, and operators who want to leverage AI for growth instead of fearing it. Join Jason Frazier for episodes that dive into the tools, strategies, and honest conversations about AI implementation in the mortgage space. We cut through the hype and nonsense to focus on what's actually working today and what you need to know tomorrow. The Mortgage AI Podcast is presented by DIFRNT Coaching and is sponsored by MortgageCon

  1. Oct 1

    From Microsoft and OpenAI to Rebuilding Mortgage | MAP Ep. 5

    Send us Fan Mail The mortgage industry has a bad habit of taking new technology and forcing it to fit processes that should have been rebuilt years ago. AI can make that mess move faster. It can also give us an opportunity to rethink how mortgage origination should work from the ground up. In this episode of The Mortgage AI Podcast, I sit down with Oren Michaely, CEO and co-founder of Elio Mortgage. Oren worked at Microsoft Research and helped with the Microsoft and OpenAI collaboration before ChatGPT was released to the public. He later worked at Motive Partners, where his job was to help financial services companies use AI to create measurable business value. Then he left the comfortable corporate world and entered the beautifully complicated mortgage industry. Why mortgage? Oren saw an industry that has spent decades trying to scale by adding more people, more systems, and more layers. Loan officers work across lender portals, CRMs, LOS platforms, pricing engines, email, text messages, phone calls, and spreadsheets. Every handoff creates another chance for information to disappear or a mistake to happen. Elio is building an agentic mortgage company where AI operates as an invisible layer beneath the people. The loan officer becomes the air traffic controller of the transaction while the platform handles much of the repetitive work required to move the file forward. That includes dynamic borrower applications, automatic document requests, document classification, income calculations, pre-filled applications, pricing, guideline searches, pre-approvals, and communication throughout the loan process. A DSCR borrower, for example, should never waste time answering questions about personal income that have nothing to do with the loan. The application should understand the scenario and request only the information needed to move forward. The same intelligence can help loan officers manage their entire book of business. Elio’s platform is being built to identify refinance opportunities, improve outreach to Clients and referral partners, and use data to help loan officers decide who to contact and why. I called it portfolio intelligence during our conversation. Oren and his team are building a workspace that understands the loan officer’s business and helps them manage it without stitching together 14 different tools. We also break down how to build an AI agent without creating a digital employee that has no idea what the hell it is doing. Oren recommends breaking a process into small units of work. Give the AI one specific task. Validate the result. Keep a human involved while you refine it. Then connect that task to the next step in the process. Telling ChatGPT to “build me a transaction coordinator” skips every important detail the system needs to perform the job correctly. In this episode, we cover: Oren’s work with Microsoft and OpenAI before ChatGPTWhy he chose the mortgage industryWhat an agentic mortgage company looks likeWhy outdated processes limit the value of new technologyHow to break workflows into units of workThe importance of keeping humans involved during developmentWhy data remains the biggest obstacle to reliable mortgage AIHow Elio is rebuilding the LOS around an AI-ready data structureDynamic applications and automated document collectionUsing AI to pre-calculate income and prepare files for reviewGiving loan officers intelligence across their entire portfolioWhy complex vibe-coded backends can create serious security risksWhat a headless mortgage platform could look likeHow loan officers can begin experimenting with AI this weekOren’s advice for getting started is simple: spend two or three hours working with the technology. Tell the model what you do. Explain your role. Ask it where you may be wasting time or creating unnecessary work. Choose one process and build something small enough to test. You do not need an engineering team to begin understanding what is possible. You need curiosity, a clear goal, and enough time with the tool to move beyond the basic prompt window. 00:00 Podcast Welcome 01:19 Meet Oren 01:38 AI Career Journey 06:45 Why Mortgages 09:46 Building Agentic Workflows 16:06 Data Context Challenge 20:20 Elio Platform Vision 22:02 Automated Doc Intake 22:33 Instant Preapproval Workflow 23:07 Loan Officer Leverage 24:03 Refi Radar Integrations 24:46 Pricing Guidelines Engine 25:34 Portfolio Intelligence Platform 27:35 Stealth Launch Iteration 30:06 AI Hub Future UI 34:37 Security Compliance Focus 35:05 Rapid Fire AI Takes 37:17 Hands On AI Advice 38:42 Closing Thanks Outro Discover Elio Mortgage Presented by: DIFRNT Coaching Founding Sponsor: MortgageCon Broker Sponsor: Summit Lending Friends of the Program: Empower LO

  2. Sep 24

    The Big Bet On Bevri: Building The Ultimate AI Operating System | MAP Ep. 4

    Send us Fan Mail Most mortgage professionals are using AI to write emails, create social posts, summarize documents, and complete a few isolated tasks faster. Jonathon Haddad is building it into the operating system of his business and his life. In this episode of The Mortgage AI Podcast, Jonathon shows me an AI-powered neural network that connects his text messages, emails, meetings, social media conversations, contacts, and tasks. It remembers conversations, updates his to-do list, and prepares him before meetings. His goal is simple: “How can I get my brain onto this document so I never have to think about that again?” That is a much bigger conversation than prompting ChatGPT to write better marketing copy. Jonathon is also building Bevri, a platform designed to combine the CRM, LOS, and POS into one experience for mortgage brokers. The goal is to let loan officers manage their files without bouncing between 30, 40, or 50 different lender portals and disconnected systems. We also get candid about the part of mortgage AI that far too many people are ignoring: security. Mortgage companies and loan officers are building tools through vibe coding without understanding databases, permissions, compliance, or how to protect personally identifiable information. Jonathon has already found mortgage websites exposing Client names and email addresses. That mistake can lead to regulatory problems, expensive forensic audits, and serious damage to the entire broker channel. Then there is the cost of building with AI. Jonathon explains how companies can burn through tens of thousands of dollars in token usage because someone selected the most powerful AI model for work that never required it. His own automation platform once cost approximately $40 per day to operate. Through optimization, his team reduced that expense to around $40 every four days. Knowing when to build, when to buy, and which model to use has become an operating decision. Guessing can get expensive fast. We also look ahead to the mortgage company of 2030. Jonathon believes technology will allow processors to handle twice as many transactions and underwriters to manage four times their current volume. Standard mortgage files could reach clear to close in seven days or less, with much of the process completed without a traditional conversation with a loan officer. There will still be humans in the system. There will simply be fewer seats for people whose only value comes from completing mechanical tasks. In this episode, we cover: The difference between using AI and creating real leverageWhy the broker channel remains years behind retail technologyJonathon’s vision for BevriHow his AI system remembers conversations and manages tasksThe danger of exposing Client information through vibe-coded toolsWhy SOC 2 compliance and database security matterThe hidden cost of AI tokensHow to decide whether to build or buy AI technologyWhat the mortgage company of 2030 could look likeWhy cash-out refinances and HELOCs may surprise the industryWhich AI tools Jonathon believes are overhypedThe one childhood experience he believes you should bring back into your lifeIf you lead a mortgage company, pay close attention to the conversation about PII and AI governance. If you originate loans, look at your current workflow. Where are you still relying on memory? Where are you repeatedly stopping to find information? Where are disconnected systems eating up your day? Those are the places where AI can create meaningful leverage. 00:00 Welcome and Feedback 01:19 Introducing Jonathan Haddad 02:06 Why This AI Conversation 03:29 Building Bevri Platform 04:09 Broker Tech Pain Points 07:10 Industry Misreads AI 10:07 Underestimating Data Power 12:22 AI in Daily Life 14:34 Usage Versus Leverage 16:12 Neural Network Rolodex 19:12 Palantir and Big Picture 20:51 Thinking Space with AI 21:37 AI as Memory Boost 22:40 Mortgage Tech Mindset 24:18 Vibe Coding Risks 27:11 Build vs Buy Costs 28:14 Token Spend Control 30:52 Mortgage 2030 Vision 33:42 Humans Still Matter 35:08 Rapid Fire AI Takes 37:31 Protect PII Always 38:23 Closing Joy Challenge Connect with Bevri Presented by: DIFRNT Coaching Founding Sponsor: MortgageCon Broker Sponsor: Summit Lending Friends of the Program: Empower LO

  3. Sep 18

    AI Agents vs Agentic AI... WTF Is The Difference? | MAP Ep. 3

    Send us Fan Mail Frazier welcomes Michael McAlister as a co-host on the Mortgage AI Podcast and explains the transition from The MLO Project to focus on AI.  They discuss the difference between “AI agents” (a tool that automates specific tasks) and “agentic AI” (an approach where AI is embedded with autonomy across business functions). Miguel describes moving beyond prompt-based assistants to workflows where AI monitors stages, reviews files, drafts communications, and updates systems, which requires standardized inputs, documented rules, and oversight similar to managing employees.  He shares using scheduled routines that run early daily and email HTML reports for ad management, pipeline signals, and weekly newsletter drafting with approval. They note tools change rapidly, urging focus on business outcomes over chasing tools. Rapid fire: underhyped tools Fathom and Aila; overhyped GPT Work; most annoying AI talk is “build your own” piecemeal tools. 00:00 Welcome Back Maestro 01:31 Why This Podcast Exists 02:42 Agents Versus Agentic 05:29 From Tasks To Workflows 11:18 Managing AI Employees 13:39 Routines And Reports 18:54 Tool Overload Reality 21:14 Think Business Not Tools 27:54 GrokBot Setup And Cost 29:19 Rapid Fire AI Takes 32:21 Final Thoughts And Outro Presented by: DIFRNT Coaching Founding Sponsor: MortgageCon Broker Sponsor: Summit Lending Friends of the Program: Empower LO

  4. Sep 9

    Jason Kindler: Stop Playing With AI and Start Building With It | MAP Ep. 2

    Send us Fan Mail How Jason Kindler Uses AI to Create Real Leverage in Mortgage In the first guest episode of the Mortgage AI Podcast, Frazier interviews mortgage broker owner and producing LO Jason Kindler of First Coast Mortgage Funding (400–500M annually) about what the mortgage industry misunderstands about AI and how to use it for real business leverage. Jason says most people still see AI as prompting for images, are distracted by shiny objects, or are afraid to dabble, and he emphasizes starting with a clear objective. He shares practical use cases: building value-first tools to attract realtors (like a headshot/thumbnail generator and marketing tools for new construction agents), creating operational efficiencies such as an email/notification digest, and developing an AI loan officer assistant to automate borrower communication and document work. They discuss how fast tools are evolving, why “Claude vs ChatGPT” debates are noise, and why communication and relationships become more valuable as AI advances. 00:00 Welcome and First Guest 01:14 Meet Jason Kindler 02:40 AI Misconceptions and Fear 04:20 From Prompts to Leverage 06:44 Using AI for Marketing 10:17 Start Date and Tool Hopping 11:42 Building Realtor Value Apps 14:48 Operational Wins and Cash Flow 16:07 AI Tools Evolving Fast 19:16 Vibe Coding and ROI Focus 21:58 Tool Overload Reality 24:25 Start Small With AI 25:48 Best ROI Automations 29:25 Record Everything Workflow 30:55 Rapid Fire AI Takes 35:03 Next Steps And Wrap Connect with Jason Kindler Presented by: DIFRNT Coaching Founding Sponsor: MortgageCon Broker Sponsor: Summit Lending Friends of the Program: Empower LO

  5. Sep 1

    Stop Paying $40 for a $1 Bill! | MAP Ep. 1

    Send us Fan Mail Stop Paying $40 to Win $1: Avoid Rent-Seeking With AI in Mortgage In the first episode of the Mortgage AI Podcast, Frazier introduces the transition from the MLO Project to the Mortgage AI Podcast and explains his goal of helping loan officers use AI to create real leverage, not just surface-level hype.  He shares a game-theory example from economist Martin Shubik’s 1971 “$1 bill auction,” where rational bidding escalates until people pay far more than the prize a dynamic described as rent-seeking: spending time, money, energy, and effort to chase a reward that can’t justify the cost.  Frazier warns that many loan officers are doing this with AI tools and subscriptions without clear ROI or customer demand, citing an example of a loan officer whose production declined despite heavy automation efforts. He urges a strategy-first approach, often starting simply with ChatGPT, and previews next episode guest Jason Kindler. 00:00 Welcome to Mortgage AI 00:40 Podcast Mission and Guests 01:23 The 40 Dollars for 1 Dollar Idea 02:26 The Dollar Auction Explained 05:04 Why We Refuse to Lose 06:24 Rent Seeking and AI Hype 08:09 ROI Over Shiny Tools 11:56 AI Moves Fast Stay Focused 13:02 Simple Stack Start with ChatGPT 14:42 Sponsors and Listener Feedback 15:46 Closing and Next Episode Article mentioned in podcast Presented by: DIFRNT Coaching Founding Sponsor: MortgageCon Broker Sponsor: Summit Lending Friends of the Program: Empower LO

  6. Aug 29

    Listen Up Buttercups! This Is The End....And The Beginning | Ep. 0

    Send us Fan Mail Episode Zero: Transitioning Growth Notes From The MLO Project to The Mortgage AI Podcast Frazier announces the final episode of The MLO Project and introduces “episode zero” of The Mortgage AI Podcast, explaining that Growth Notes is pivoting to focus on where the mortgage industry is going and how to create the most impact with AI. Past episodes will remain available, and episode one of the new show launches September 1. Michael will still appear and also run some episodes, sharing firsthand experience from AI projects he’s building, while Frazier drives production and direction. The podcast will emphasize leveraging AI—not just using it—cutting through bad information, noise, and sales agendas, and exploring topics like build vs. buy with guests from mortgage and outside the industry. Frazier invites listener feedback and AI use cases, and thanks sponsors MortgageCon (founding), Summit Lending (broker), Different Coaching (presenter), and Empower LO. MAP is presented by: DIFRNT Coaching Founding Sponsor: MortgageCon Broker Sponsor: Summit Lending Friends of the Program: Empower LO

  7. Aug 20

    Cheap & Easy Leads Are a Myth | Ep. 65

    Send us Fan Mail Google Ads are not dead. But the cheap-lead fantasy needs to be. Michael and Frazier dig into the real state of Google Ads, search intent, and mortgage lead generation in today’s market. This episode picks up right after the “Be the Answer” conversation and looks at the other side of the same coin: paid search, consumer-direct funnels, and what actually makes a lead worth chasing. Michael breaks down what has changed since the low-cost lead days, why cost per lead is one of the most misleading numbers in mortgage marketing, and how personalization, landing page consistency, and follow-up strategy can make or break a campaign. Because a $3 lead that never converts is not a deal. It is a distraction. And if your funnel does not match the promise that got someone to click in the first place, you are paying for attention you are not ready to convert. What You’ll Learn Why Google Ads are still valuable, but harder than they used to beHow lead costs have changed from the early consumer-direct days to nowWhy landing page conversion rate matters just as much as cost per clickHow personalization can lower cost per lead and improve response ratesWhy intent matters more than raw lead volumeWhat questions LOs should ask before hiring a lead gen partnerReal Talk Quotes: “The timeless principle of consumer direct is making sure you’re giving the same experience from top to bottom of funnel.”“Cost per lead means diddly squat to me.”“Intent is everything in mortgage lead generation.”“I could get you 50 cent leads today. They’re all going to be shit.”“If they don’t communicate any expectations, that’s probably a red flag.”Tactical Takeaways ✅ Make sure your ad, landing page, follow-up, and offer all match the same message ✅ Stop judging lead programs by cost per lead alone ✅ Focus on intent, quality, and cost per closed loan ✅ Improve landing page conversion before blaming the ad platform ✅ Use personalization in both the landing page and follow-up experience ✅ Ask any agency what they expect from you in order to make the campaign successful The Big Idea Cheap leads are not the goal. Closed loans are the goal. Too many loan officers get distracted by the headline number and ignore the things that actually matter: IntentConversionFollow-upFunnel consistencyCost per customerGoogle Ads still work. But they only work when the entire system is built to convert the person who clicked. The Reality Check The market is already hard. Why make it harder by: Buying low-intent leads because they look cheapSending traffic to generic mortgage pagesIgnoring the follow-up experience after the form fillA lead is not just a name, email, and phone number. It is a person who clicked for a reason. Your job is to continue that conversation. Match the message. Respect the intent. Track the real cost. Find out more at Empower LO

  8. Aug 13

    Become The Answer or Become Irrelevant | Ep. 64

    Send us Fan Mail The old internet rewarded people who knew how to get found. The new one is going to reward the people who become the answer. Frazier and Michael are back on the MLO Project, and they are coming in direct, tactical, and very clear on where mortgage content is headed next. The conversation centers on Frazier’s shift toward helping loan officers become the answer in their local markets, not just another name trying to rank, post, or compete with the biggest players online. For years, loan officers played in the search economy. Google something. Scroll through results. Click around. Hope the answer is somewhere in the mess. But AI is changing that behavior. Consumers are not just searching anymore. They are asking better questions and expecting direct answers. And if your content is not structured to answer those questions, you are already playing the old game. This episode breaks down what the “answer economy” means, why hyperlocal content matters, how AEO is different from traditional SEO, and why loan officers have a real land grab opportunity right now if they move before everyone else catches up. Because you are not going to outspend Zillow, Rocket, Redfin, or the bigs. But you can out-answer them. What You’ll Learn Why the internet is shifting from the search economy to the answer economyWhy loan officers need to answer real consumer questions, not just post generic mortgage contentHow hyperlocal blogs can create organic leads without being directly mortgage-relatedWhy AEO and SEO are connected, but not the same thingHow structured question-and-answer content helps both Google and AI understand your authorityWhy this is a “time machine moment” for LOs who want to build local authority earlyReal Talk Quotes: “You need to be the answer.”“You are not going to outspend Zillow.”“You’re not going to outgeneralize them.”“This is a land grab opportunity.”“Don’t talk yourself out of this opportunity.”Tactical Takeaways ✅ Stop creating generic mortgage content that tries to compete with everyone ✅ Build content around specific questions buyers and movers are already asking ✅ Use AI research tools to uncover hyperlocal questions in your market ✅ Structure your blogs around direct answers, FAQs, and internal linking ✅ Think beyond mortgage topics and become a trusted local authority ✅ Move now while most loan officers are still stuck in old-internet content strategy The Big Idea Search is not dead. But search is changing. Consumers do not want more results. They want the answer. And the loan officers who understand that shift early will have a massive advantage. Not because they have the biggest budget. Because they are creating the clearest, most useful answers in their market. The Reality Check The market is already hard. Why make it harder by: Playing the same content game as everyone elsePosting generic loan program content nobody is searching forWaiting until the big companies dominate this space tooThe opportunity is not to become louder. It is to become more useful. Answer the questions. Own the local market. Build authority before everyone else realizes what is happening. Find out more at Empower LO or BrokerFuel. Presented by: DIFRNT Coaching Founding Sponsor: MortgageCon Broker Sponsor: Summit Lending Friends of the Program: Empower LO

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4.7
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About

The Mortgage AI Podcast is a show for lenders, mortgage brokers, loan officers, and operators who want to leverage AI for growth instead of fearing it. Join Jason Frazier for episodes that dive into the tools, strategies, and honest conversations about AI implementation in the mortgage space. We cut through the hype and nonsense to focus on what's actually working today and what you need to know tomorrow. The Mortgage AI Podcast is presented by DIFRNT Coaching and is sponsored by MortgageCon

Information

  • Creator
    Frazier
  • Years Active
    2018 - 2026
  • Episodes
    71
  • Rating
    Explicit
  • Copyright
    © 2026 The Mortgage AI Podcast
  • Show Website
    The Mortgage AI Podcast

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