Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Company Response and Complainant Rebuttal
Structured summary of both positions with disputed points clearly separated.
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)Mutual of Omaha Mortgage response (as stated)
Borrower sought financing for two investment properties and did not meet conventional personal-income qualification at the time, according to Mutual.
DSCR 30-year interest-only product through NewFi Lending was discussed and selected after borrower agreement, according to Mutual.
Initial disclosure packages were issued on December 12, 2023 (Unit 514) and December 18, 2023 (Unit 512), including sample mortgage comparisons, according to Mutual.
Loans were business-purpose transactions and therefore exempt from cited consumer-disclosure provisions under 12 CFR 1026.3(a), according to Mutual.
No evidence of coercion, steering, inflated charges, or improper compensation was found in Mutual's internal review, according to Mutual.
Complainant rebuttal (as stated)
DSCR was presented as the only practical option, while requested side-by-side alternatives and conventional analyses were not provided during the active decision window.
Proceeding message was sent under risk of earnest-money loss and compressed timeline pressure, not full optionality.
Business-purpose classification does not eliminate anti-steering obligations or UDAAP scrutiny when product choice and timing are disputed.
Later rate and product information is cited as comparative evidence that materially different options may have existed and should be reviewed.
Transfer-notice clarity and origination-side transparency remain unresolved in the rebuttal.
Regulator-focused review items requested
Lock-date rate sheets and product menus available for both files.
Internal notes regarding conventional eligibility analysis and decline rationale.
Full disclosure delivery logs with send timestamps and acknowledgments.
Compensation structure details for brokered vs. in-house products.
Transfer/servicing notice chain across Mutual, NewFi, and Planet Home Lending.