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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 up
• How price objections usually come from your own doubt
• Why the market owes you nothing—and never did
• The energy transfer LOs don’t realize they’re making
• A challenge that could transform your entire week
• The 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.

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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.

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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. Should RESPA be redefined? Are MSAs dead? What does "value" even mean anymore in co-marketing? And what’s the real fix—more regulation, deregulation, or just brutal honesty?

This episode pulls no punches. We talk straight. We call out the games. And we challenge anyone in the industry to step into the ring if they’ve got a different take.

Plus:

💥 McAllister gets fired up about gray areas

👊 Why this lawsuit is just the start

🧠 The big questions around ethics, enforcement, and industry hypocrisy

⚖️ What should be legal vs. what’s actually going down

🚫 Why fines don’t change behavior

💼 And yes, Uncle Rico makes an appearance.

Why This Episode Matters:

If you’re in mortgage or real estate, this lawsuit isn’t noise—it’s a seismic shift. Whether you’re team “all MSAs should die” or “leave us alone and let us market,” this conversation will challenge your thinking and sharpen your strategy.

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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.

Kindler opens up about his personal and professional journey, including surviving the crash, getting sober, and rebuilding with intention. He shares how he's preparing his team to not just survive the next boom—but scale it, stress-free. This is a raw, strategic, and transparent deep dive into the mindset and systems that separate stagnant shops from future-proof machines.

Key Topics Covered:

• Why operational efficiency isn’t optional anymore
• Building a tech-enabled brokerage that can scale without breaking
• How small brokers can compete with big retail ops
• Why speed still kills—and slow still loses
• AI, APIs, and building the “ideal” experience
• Personal resilience: Jason’s journey through addiction and recovery
• Launching a coaching portal powered by AI + years of hard-won experience
• Why most brokerages wait too long to invest in infrastructure
• Why perfect doesn’t exist—but the ideal is real

Tactical Nuggets:

• Designing operational models that absorb 40–50 loans overnight without chaos
• How to structure teams so originators get the support they deserve
• Why it’s time to unlearn what worked in the past
• How Kemmer is using two years of coaching transcripts to build a GPT-powered training hub
• Planning for efficiency now so you’re not scrambling when the boom hits

Big Quote:

Guest Plug:

Jason is building a full coaching platform loaded with systems, calculators, AI tools, and years of strategic content for loan officers and team leaders. Connect with him on social to learn more and get on the early list.

https://firstcoastmortgagefunding.com/KindlerCoaching

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“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 past client relationships, and why assuming someone else isn’t talking to your past client is the biggest mistake you can make.

This one’s part strategy, part mindset slap, and 100% a reality check for any LO who’s sitting on a list of names and numbers they haven’t touched in years.

💣 Topics Covered:

• Why your stale database is still your biggest asset
• What “strike rate” really means—and why you need one for every past client
• The biggest mistake brokers make with CRMs
• What Barry Habib, Jonathon Haddad, and top brokers agree on
• The “plan, not pitch” approach to reactivating leads
• How to use conversations as currency—because silence doesn’t convert
• Why assuming they’re not talking to another LO is how you lose
• Creating actual relevance in your follow-ups (no generic “just checking in” crap)

📌 Tactical Moves You’ll Learn:

• How to create personalized strike rate targets for every client
• Scripts for breaking the silence with old leads
• The “Plan on Paper” strategy (aka: the only follow-up they won’t throw away)
• How to stop asking “what should I say?” and start saying the right things
• Why every convo should create the next convo—and how to do it

🎯 Bottom line: If you're not talking to your database, someone else is.
 Start acting like your past clients are future income, not ancient history.

🎧 Powered by Empower LO & HL4

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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-Level Blueprint session had brokers buzzing before the sun came up.

This isn’t another tech talk — it’s a wake-up call for loan officers who’ve been sleepwalking through their CRM strategy. They dive deep into:

• Why legacy CRMs are holding LOs hostage
• Why Data is THE NEW Commission
• The real leverage behind HighLevel (HL4 Mortgage Pros)
• How top brokers are using automation and AI without losing authenticity
• Why most LOs waste money on tools they don’t understand
• The right mindset for implementing any system (hint: start with the goal, not the gadget)

Whether you were at Fuse or not, this episode gives you a front-row seat to what’s coming next in mortgage tech, content leverage, and operational dominance.

🎧 Powered by Empower LO

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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 amplifier (not a direct lead source), integrates AI like Fireflies, ChatGPT, Gamma, and Mortgage Coach to increase speed and accuracy, and builds deep community partnerships that generate real referrals—not vanity metrics.

He also shares how he splits credit with his LOs, leverages masterminds, and runs one of the tightest, most disciplined operations in the business—all while rocking a Cybertruck and a Got Mortgages shirt at the gym.

What You'll Learn:

• Why most LOs have no clue where their business actually comes from
• How Abdel tracks credit pulls, lead source attribution, PE exceptions, and post-close ROI
• Why AI note-takers, ChatGPT, and Mortgage Coach/MBS Highway are core to his process
• How he built a $24M+ personal brand with only 13% of business from social media
• Why discipline, systems, and real talk beat shortcuts and hype every time
• How his Elevated Alliance mastermind and charity events drive community referrals
• The real reason open house models are outdated—and what works instead

Tools, Tech & Tactics Mentioned:

• CRM + KPI Dashboards
• ChatGPT (custom bot for clients, partners, and LOs)
• Fireflies.ai (note-taking and meeting summaries)
• Gamma.app (instant slide decks from chat prompts)
• Mortgage Coach & MBS Highway (based on client persona)
• ListReports for every agent (non-negotiable)
• FinLocker for long-term client value tracking
• Social Strategy: Instagram, Facebook, YouTube, LinkedIn (not TikTok)

Notable Quotes:

Abdel’s 3-Part Business Philosophy:

1. Sales – Prospecting, lead flow, and brand presence
2. Service – Operational consistency and client education
3. Support – Systems, staffing, and AI-enhanced workflows

Final Challenge:

Can you give 100% of your time, energy, and effort for just one full day?

Track it. Measure it. And if you’re serious—replicate it.

Connect with Abdel:

• Website: GotMortgages.com
  
  
• Email: [email protected]
  
  
• Instagram: @got.mortgages
  
  

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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 get amplified by tech, and how Luke’s transition from “Loans on Demand” to marketing fundamentals is reshaping how LOs show up online. You’ll also get behind-the-scenes stories from Luke’s AI Summits, a brutally honest take on what’s actually working in lead gen, and why YouTube and SEO are still kings in a short-form-obsessed world.

Topics Covered:

• Why AI won’t save bad loan officers
• The myth of "replacing yourself" with tech
• Luke’s shift from DFY to teaching real marketing strategy
• Behind the scenes of hosting an AI Summit
• Why most short-form content flops—and how to fix it
• The power of YouTube, SEO, and long-form content
• How to audit and improve your lead flow
• “Done-for-you” vs. “Done-with-you” marketing
• The problem with skipping fundamentals
• Fuse, Mortgage Con, and the next face-off showdown

Key Takeaways:

• AI without strategy is just faster failure.
• Long-form content builds brand and authority over time.
• You don’t need new tools—you need to master the old ones.
• Shortcuts are killing your conversions.

Connect with Luke:

• Facebook: facebook.com/lshankula
  
  
• Website: loansondemand.io
  
  
• Upcoming AI Summit: October 14-15 (Free 2-day AI + Marketing Event)

Events Mentioned:

• AIME Fuse 2025 – Nashville
• Mortgage Con 2026 – Florida (Frazier vs. Luke: The AI Battle)

Want to Be on the Show?

If you're in the mortgage industry, doing big things (and you don’t suck), hit us up. The guest bar is low, so we let Luke in. 

Email us at [email protected]

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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 Development Reality Check

Social Media Strategy That Actually Works

The Consistency Factor

The Hard Truth About Discipline

Commitment vs. Consistency

Notable Quotes

"If you're not utilizing rate as a way to go out and find business, you're missing out."

"Make me feel comfortable that I'm not making a mistake. Don't try to educate me with seven different reports."

"Most originators don't need AI right now. It's a distraction. Go back to basics."

"I've seen originators that were total idiots. But they were fun idiots, friendly idiots, nicer than me idiots. And they got loans."

Resources Mentioned

• Grab and Go Social - Hammer's social media content service
• Originator Success - Hammer's platform for helping LOs get business from Google AI search and social media

Bottom Line

Stop overcomplicating everything. Have real conversations. Show up consistently. Be yourself on social media. Focus on the emotional side of home buying. And for the love of God, stop trying to educate people who don't want to be educated.

The originators winning right now aren't the smartest ones - they're the ones taking consistent action every single day.

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TMP is presented by: Empower LO

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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 rather than reacting to rate changes. Through lively discussion and practical advice, they advocate for a mindset shift towards creating a robust, dependable business strategy that remains effective regardless of market conditions.

00:00 Introduction and Welcome
00:29 Setting the Tone: Energy and Banter
01:10 Main Topic Introduction: Obsession Over Rates
03:05 The Importance of Consistent Business Practices
05:20 Proactive Communication with Clients
07:45 Systems and Processes: The Key to Success
17:34 Final Thoughts and Invitation for Debate

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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 mortgage industry. They also urge listeners to maintain focus on their roles in serving communities and promoting homeownership while being cautious of the distractions and manipulations often present in media and social media.

00:00 Introduction and Greetings
02:02 Current Events and Media Influence
03:24 The Role of Media in the Mortgage Industry
12:13 Case Study: HousingWire and EPM
23:46 The Importance of Personal Accountability
27:34 Conclusion and Call to Action

TMP is presented by: Empower LO

Connect with us at [email protected]