Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Requested Records and Audit Trail
Document production checklist for independent regulatory review.
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)Requested from originating/broker channels
Lock-date rate sheets and full product menus available for both files.
Any matrix or policy used to determine suitability of DSCR vs. conventional alternatives.
Internal communications documenting product recommendations and borrower-option requests.
Requested from underwriting and compliance files
Underwriting notes and conditions tied to conventional eligibility analysis.
Disclosure generation and delivery audit trail with exact timestamps.
Signed acknowledgments and document-transmission evidence for each disclosure package.
Requested compensation and fee records
Compensation schedules for brokered DSCR channels and in-house alternatives.
Loan-level compensation records associated with each subject file.
Fee-breakdown workpapers used for internal compliance review.
Why these records matter
These records test whether options were fully and timely presented, whether disclosures were meaningful before closing decisions, and whether compensation structures created channel bias.
The records also help align disputed narratives with objective timestamps, pricing snapshots, and decision documentation.