The MLO Project

Send us Fan Mail 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 l...

Send us Fan Mail 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 becaus...

Send us Fan Mail 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 headli...

Send us Fan Mail 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....

Send us Fan Mail 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. Kind...

Send us Fan Mail “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...

Send us Fan Mail 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-Leve...

Send us Fan Mail 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 amp...

Send us Fan Mail 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 ge...

Send us Fan Mail 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 Develo...

Send us Fan Mail 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 focusi...

Send us Fan Mail 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...

Send us Fan Mail 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...

Send us Fan Mail 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 introd...

Send us Fan Mail 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 ind...

Send us Fan Mail 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...

Send us Fan Mail 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 op...

Send us Fan Mail 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...

Send us Fan Mail 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—balancin...

Send us Fan Mail 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...

Send us Fan Mail 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 befor...

Send us Fan Mail 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...

Send us Fan Mail 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...

Send us Fan Mail 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...

Send us Fan Mail 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...