Dossier summary

Legacy South and Soren Development Context

Development-level context for the properties named in the CFPB complaint.

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
Public sources

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
Public sources

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

Development: Soren

Address area: 700 N Dupont Ave, Madison, Tennessee

Public listing description: Legacy South gated community with 120 contemporary townhomes

Public listing context

Homes.com and related listing records describe Soren as a Legacy South community at 700 N Dupont Ave with 120 contemporary townhomes.

The complaint concerns two units in this development and alleges that closing pressure affected the borrower's loan-choice window.

Why the development context matters

A new-home development can involve builder incentives, preferred lenders, title coordination, and tight closing timelines.

Those ordinary structural facts do not prove misconduct, but they identify the records needed to evaluate whether the borrower had meaningful product choice.

Records to compare

Purchase contracts and earnest-money provisions for Units 512 and 514.

Any approved lender or preferred title materials given to buyers.

Sales counselor communications about closing timing.

Loan communications that mention builder deadlines or deposit risk.

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

This page distinguishes public records, disputed allegations, company statements, and editorial context. It is not legal advice and does not determine liability.