Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Compensation Conflict Review
A focused record request for testing steering, referral, and channel-bias concerns.
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 compensation records matter
Compensation records can show whether a loan officer, branch, broker channel, builder channel, or other participant had an incentive to prefer one product path.
They can also cut against the allegation if the records show no improper or higher compensation tied to the selected product.
Current dispute
Mutual states there was no incentive to steer because brokered DSCR compensation was lower than conventional in-house compensation.
The rebuttal argues that steering can also occur through misrepresentation, incomplete option presentation, or failure to provide lower-cost choices, even if the selected product was not the highest-compensating path.
The rebuttal further alleges that Mutual of Omaha Mortgage's complaint response protects broker and builder-sales participants, including Rob Shell and Vicki Smith, while the loans moved through NewFi Lending and later to Planet Home Lending.
Records requested
Loan-level compensation records for both subject loans.
Compensation schedules for DSCR, brokered, conventional, and in-house channels.
Any builder, referral, marketing, or preferred partner compensation arrangements.
Internal compliance review notes on compensation and fees.
Related resources
Consumer Financial Protection Bureau complaint portalRegulator portal
NMLS Consumer AccessLicensing lookup
CFPB Regulation Z, 12 CFR Part 1026Federal regulation
Sources
CFPB Regulation Z, 12 CFR Part 1026Federal regulation
Good Jobs First Violation Tracker: Connecticut 2008 Mutual of Omaha Insurance Co. recordRegulatory database record