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 We’re here to disrupt the old guard, break free from outdated norms, and deliver insights that actually matter.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 i ...
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MLO Podcasts
MLO/Real estate Connection
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As the permanent make up industry is on the rise, your host, Marlo is here to educate. From tips and tricks, difficult clients, botched microblading, and learning from our mistakes. Smart, savage, and entertaining, PMU Unfiltered... is just as the title suggests.
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Show Up. Hustle. Repeat. Every. Day.
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The Mortgage Calculator Mortgage Loan Officer Training Series covers an in depth training for new and experienced MLOs on different loan types. Our program features live demos to not only structure a loan, but also the specific setup of a loan file in an LOS system such as Encompass. Both new and experienced Loan Officers and Mortgage Brokers can learn new tips and tricks for loans, new loan products, non traditional mortgage programs and much more! For more info visit https://themortgagecal ...
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Welcome to … the Mortgage and Mindset in Minutes podcast, with host, Tiffany Rose, where you’ll get a little on the mortgage and A LOT on mindset. Because, with anything in life, you can only do it with the right approach. Tiffany Rose went from average earner to 7 figures and beyond lifestyle, by using the insights she shares. The Mortgage and Mindset in Minutes podcast with Tiffany Rose demonstrates that gratitude and attitude are YOUR tickets to powerful success.
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Welcome to the Loan Officer Sales Training podcast with The Mortgage Calculator, where we equip you with the strategies and techniques needed to skyrocket your sales production in the competitive world of lending. Whether you're a seasoned loan officer or just starting your career, this podcast is your go-to resource for mastering the art of lead generation, effective calls, and follow-up strategies that drive results. Here's a glimpse of what you can expect: 1. Lead Generation Mastery: Disc ...
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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…
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From Brand-New MLO to 60+ Leads in 10 Days: Brian’s Story
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25:04Brian was brand new to the lending industry — no database, no referral network, no “name recognition.” Instead of following old-school advice like pie drops, cold calls, and caravanning, he chose to build a replicable system around niche, messaging, AI, Facebook ads, and a CRM that actually works. Within about 10 days, Brian generated 60+ leads usi…
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Clarity isn’t a vibe. It’s a business advantage. When you close open loops and remove mental clutter, you get your energy back — and energy is what sells, creates, and executes. Key Takeaways Unfinished tasks drain bandwidth (open loops = invisible energy leaks). Every action creates a reaction — don’t open loops you can’t close during your workday…
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Your Vision Board Won’t Make You Rich (But This Will)
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29:30A vision board can clarify what you want — but it won’t create income on its own. In this episode, we break down why so many driven entrepreneurs stay stuck in “almost there” mode: motivated, inspired, and still financially inconsistent. The real issue isn’t belief. It’s the missing bridge between vision and execution. You’ll learn: Why manifestati…
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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…
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If You’re An Average LO, AI’s Your Replacement Plan | Ep. 44
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26:16Send 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 yo…
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Uncle RICO Has Entered the Chat on Zillow's Lawsuit | Ep. 43
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38:28Send us a text 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 refer…
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Why Most Loan Officers Stay Stuck in Feast or Famine Months (And How to Break the Cycle)
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16:59Feast-or-famine months aren’t caused by the market, your leads, or even your skills. Most loan officers stay stuck because they’re operating from an old model — one built on urgency, smiling and dialing, chasing agents, and hoping referrals magically appear. In this episode, I unpack the real reason the income roller coaster keeps happening: 👉 You …
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Forget What You Know! Build What’s Possible w/Jason Kindler | Ep. 42
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27:25Send us a text 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…
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How I Went From Broke College Dropout to Millionaire Loan Officer
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23:17Welcome to the start of a brand new 12-week series. Over the next 12 weeks, we’re breaking down the real strategy behind building a predictable, consistent, scalable mortgage business — without relying on referrals, market luck, or motivation. We’re starting with the truth about where my journey actually began, and the mindset that changed everythi…
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Striking Out! Why You’re Losing Clients You Closed | Ep. 41
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27:11Send us a text “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 conversatio…
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The New Model: How to Scale Your Business Without Going Back to Old Habits
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25:07Welcome to Week 12. For the past 12 weeks, you’ve learned strategy most people pay thousands of dollars for and many will never implement. But now comes the most important question: What’s next? This episode is about shifting out of a reactive business and into a scalable one. It’s about building systems that create predictable income, instead of h…
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Are You Paying Attention? Data Is the New Commission | Ep. 40
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34:51Send us a text 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 throu…
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The Systems That Scale: How to Simplify, Automate, and Grow Without Burnout
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56:49At some point, every high-performing entrepreneur hits the same wall — there’s just not enough time. The truth? You don’t need more hours; you need better systems. In this episode, I sit down with Jonathan, a top-producing loan officer who turned chaos into consistency by building systems that work. Together, we unpack what it really takes to grow …
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Got Mortgages? Got Receipts. Got Results w/Abdel Khawatmi | Ep. 39
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44:28Send us a text 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 h…
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The Most Powerful Phrase in Your Day: Will This Make My Boat Go Faster?
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18:10Most people spend their days reacting — to emails, DMs, admin tasks, distractions. But the highest performers ask one simple question before doing anything: “Will this make my boat go faster?” It’s a success filter that keeps you focused on the actions that actually move your business forward. In this episode, we dig into: The story behind the Brit…
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If you want leads sliding into your DMs, your content needs to stop the scroll—and get straight to the point. In this episode, I’ll walk you through the proven Hook | Value | CTA content formula that builds trust, boosts engagement, and drives conversions. You’ll learn: How to structure every post for impact Why batching on Fridays sets you up for …
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Engage Your Sphere: The 10-Video-Text Habit That Works in Every Market
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18:18By Tiffany Rose
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Why AI Won’t Save Bad Loan Officers w/Luke Shankula | Ep. 38
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38:31By Frazier
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I'll Educate You Whether You Want It or Not w/Hammer Helmer | Ep. 37
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40:24Send us a text 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…
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Breaking the Scroll Cycle: Success Filtering, Consistency, and Content That Works for You
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21:40Ever catch yourself in “scroll mode”? You open your phone to post and 45 minutes later you’re buried in someone else’s feed, wondering where the time went. It’s not just social media. Endless scrolling happens in our minds too, running through to-do lists, chasing shiny objects, and never getting to the work that actually moves the needle. The trut…
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Send us a text 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 …
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Your Dream 100 are your “future best friends” — the people who will send you referrals and business for years to come. When you focus on building these relationships intentionally, your network starts working for you. In this episode, we dig into: How to identify the right 100 (or start with 25!) referral partners Why following and engaging with th…
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Clickbait B.S.: When Media Headlines Lie | Ep. 35
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29:08Send us a text 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 unders…
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Build a Million-Dollar Network Without Leaving Your Office | Ep. 34
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26:24Send us a text 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 …
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Your CRM is a goldmine (if you use it right) 💎
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16:01So many entrepreneurs invest in a CRM… and then let it sit there like an expensive digital Rolodex. But when you actually use it—just 15 minutes a day—it becomes the most powerful assistant you already have. In this episode, we dig into: Why 15 minutes daily in your CRM creates compounding results How adding milestones keeps every client moving for…
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Most people think conversions happen on the first call or first message… but the truth is, the real magic happens in the follow-up. That’s where trust is built, doubts are answered, and deals are closed. One of the most powerful (and overlooked) ways to master your follow-up is through Milestone Videos. In this episode, we dig into: Why milestone v…
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Why Every LO Is Talking About Go High Level (and Why You Should Too) | Ep. 33
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26:51Send us a text 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 on…
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You're Either All-In or You're All-Out w/Darren Copeland | Ep. 32
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36:48Send us a text 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 …
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Content that converts isn’t random—it’s targeted. And it starts with two things: your niche and your content pillars. In this episode, we dig into: How to define your niche (Veterans, First-Time Buyers, Self-Employed, etc.) Why pillars like Credit Tips or Fast Closings build trust and credibility How to map content directly to your audience’s real …
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Real Talk: Our Hard Lessons From Failure | Ep. 31
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31:40Send us a text 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 dama…
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Send us a text 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…
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How to Standout in a crowded market! 3 keys to standing out!
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34:31I share insight with you today on my Standout Method, discuss the CRM topic and how to standout using the correct marketing strategy, mindset strategy and time management. Let's 3x your biz quick bystanding out! P.S- If you want the full blueprint and upcoming Standout Method training taught LIVE by me, email: [email protected] for yo…
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Your bio isn’t just a placeholder—it’s a 24/7 billboard for your business. And if it’s not built to convert, you could be missing out on deals. In this episode, I walk you through how to optimize your bio for lead gen, including: The must-have elements every mortgage pro needs Why your calendar link and NMLS# should be front and center How to write…
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The Top "Must Have" Marketing Automations for Loan Officers | Ep. 29
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37:55Send us a text 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 fi…
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If you're not lead generating daily, this is for you
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14:25This week, we’re diving into the #1 daily habit that keeps your pipeline full without burning out—video texting your sphere. In this quick, actionable episode, I’ll break down: Why your phone is your money maker How to use 10 video texts a day to stay top-of-mind Exactly when to drop your calendar link for max conversions The simple affirmation tha…
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Struggle to Success w/Chris Lamm | Ep. 28
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53:44Send us a text 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 …
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New Season starts NOW! 12 weeks to a new level of closed client deals.
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15:35What you can expect: Over the next 12 weeks together, as you "slow down to speed up" by getting re-organized and nailing your daily blueprint, I am covering: How to choose your niche How to convert more deals thru social media Setting up your calendar link and why most have it done wrong How to get 5+ more deal into your pipeline in 1 work week & s…
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Adding Agents: Does This Webinar Strategy Actually Work? | Ep. 27
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29:12Send us a text 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 to…
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AI is Killing Traditional Search - What Every LO Needs to Know Right Now | Ep. 26
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27:10Send us a text 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-tai…
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Debunking the B.S. of the Mortgage Industry | Ep. 25
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28:54Send us a text 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 t…
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New Loan Officers: Your Advantage Is Not Knowing Any Better | Ep. 24
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23:53Send us a text 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.…
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Stop Buying Tools If You're Not Serious About Using Them | Ep. 23
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31:21Send us a text 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…
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TAG Recap & Real Talk: Say Goodnight To The Old Guard | Ep. 22
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39:35Send us a text 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…
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What Separates Elite LOs from Everyone Else | Ep. 21
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33:44Send us a text 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 witho…
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Season ending BONUS: Is your subconscious limiting your business growth? And how to fix it!
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28:09It's not all about strategy! Listen and grab some immediate positive shifts in your thoughts on how to make money. Enjoy! PS- Remember- you ARE good enough and you are doing others a disservice by not sharing your knowledge, message and gifts with the people whom you serve. Book a call with my team to what the right fit is for you: https://tiffanyr…
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Want Top Producers? Build a Place Worth Joining | Ep. 20
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32:10Send us a text 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…
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Building Leaders, Advocates, and Success w/Brian Covey | Ep. 19
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35:14Send us a text 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 …
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Send us a text 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, an…
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Visualize Everything: Success Is Not A Guessing Game | Ep. 17
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30:10Send us a text 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 mea…
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