Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
DSCR Loan Explainer
A neutral explanation of the loan type at the center of the dispute.
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)What DSCR generally means
DSCR stands for debt service coverage ratio. In investment-property lending, a DSCR program generally looks to property cash flow rather than only the borrower's personal income.
That structure can be legitimate for investors, but it can carry different pricing, documentation, and risk characteristics than conventional financing.
Why it is disputed here
Mutual states the DSCR product was suitable because the borrower did not meet conventional personal-income qualification expectations at the time.
The rebuttal argues that the DSCR path was presented as the only practical option and that written alternatives were not provided during the decision window.
Review question
The core question is not whether DSCR loans are always improper. The question is whether this borrower was given a fair, documented comparison of available options before committing to the selected product.
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