Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Builder-Lender Sales Channel Risk
The risk framework behind the complaint's builder, lender, title, and closing-timeline questions.
This page summarizes public records, third-party reporting, and disputed complaint materials. It does not state that unresolved allegations are true or that any person or entity violated the law unless a cited regulator or court record says so.
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)Public company context
Mutual of Omaha Mortgage
Public professional profile
Tony Fragale
Branch Manager, Vice President of Mortgage Lending
NMLS ID #76480
The cited official profile establishes public professional context only; it does not identify a connection to the Dupont complaint.
Official public profile (opens in a new tab)Why the channel matters
A builder-lender channel can make buying easier when incentives and communications are transparent.
The same channel can create risk when a buyer is told that one lender path or loan product is the only practical way to preserve a purchase contract.
Complaint-specific concern
The complaint alleges that sales pressure and lender product presentation operated together to push closing regardless of the borrower's later cost concerns.
That claim is unresolved and should be tested through records, not assumed from the mere existence of a builder-lender relationship.
Records that matter most
Preferred lender disclosures and any incentive terms.
Builder and lender communications about the specific borrower.
Title and closing coordination records.
Loan comparison materials and borrower acknowledgment logs.
Related resources
Consumer Financial Protection Bureau complaint portalRegulator portal
NMLS Consumer AccessLicensing lookup
CFPB Regulation Z, 12 CFR Part 1026Federal regulation
Sources
Homes.com / Realtracs record: 700 N Dupont Ave Unit 303Real estate listing record
CFPB Regulation Z, 12 CFR Part 1026Federal regulation