Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Allegations and Factual Basis
Key allegations stated by the complainant.
Professional record context
People named in the record
Public professional identifiers are provided for source review. Personal contact details are intentionally omitted.
Public professional profile
Vicki Smith
- Role
- New Home Sales Consultant
- Organization
- PulteGroup
- License number:
- Not established by current cited sources.
Pulte Homes Tennessee is listed in a separate public listing record as professional context only.
Vicki Smith's LinkedIn profile (opens in a new tab)Public professional profile
Mackenzie Curtis
- Role
- Divisional Builder Manager
- Organization
- Acrisure Mortgage
- NMLS ID
- NMLS ID #471956
The submitted complaint identifies Mackenzie Curtis as a Mutual of Omaha Mortgage Regional Vice President, Builder Division, in August 2025. Her current official profile lists Acrisure Mortgage, so this site does not imply an ongoing Mutual affiliation.
Mackenzie Curtis's current official profile (opens in a new tab)Allegations listed
Only one non-QM/DSCR interest-only path was effectively presented during origination (complaint position).
Requests for alternative products, pricing, and comparative analysis were not fulfilled during the decision window (complaint position).
Borrower was directed toward a higher-cost product without complete option transparency (complaint position).
Disclosure timing did not provide a meaningful pre-closing review window under practical circumstances (complaint position).
Transfer/servicing transparency and timing around Planet Home Lending remain disputed (complaint position).
Later 2024-2025 option/rate references are cited as comparative evidence of potentially lower-cost alternatives (complaint position).
Company position on these allegations
Mutual denies coercion and steering and states the selected product matched the borrower's qualification profile at application time.
Mutual states required disclosures for the business-purpose classification were provided and that allegations based on consumer-purpose rules are misapplied.
Mutual states it did not identify excessive fees, predatory conduct, or unfair/deceptive behavior in its review.