Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Legal Violations Alleged
Federal legal frameworks cited by both sides.
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)Regulation Z anti-steering (12 CFR 1026.36(e))
The complaint and rebuttal assert that available lower-cost options were not meaningfully presented and that the selected product carried higher long-term cost.
Mutual denies steering and states product selection reflected suitability analysis for the borrower's transaction profile.
Regulation Z disclosure framework (12 CFR 1026.19(e))
The complaint challenges whether disclosures and comparative information were delivered in time for practical, informed choice before closing.
Mutual states disclosures were compliant for the transaction type and cites specific package dates for both units.
Business-purpose exemption (12 CFR 1026.3(a))
Mutual relies on business-purpose classification and signed occupancy/business-purpose affidavits to support exemption from certain consumer-disclosure provisions.
The rebuttal argues exemption status does not eliminate anti-steering or UDAAP review where product presentation and timing are contested.
Transfer notice framework (12 CFR 1026.39)
The complaint raises transfer-notice transparency and timing concerns tied to servicing/ownership changes.
Mutual states it acted as broker and directs post-funding transfer questions to NewFi Lending.
RESPA Section 8 and Dodd-Frank UDAAP
The complaint invokes RESPA anti-kickback and Dodd-Frank UDAAP authority for regulator review.
Mutual disputes any evidence of referral abuse, excessive fees, misrepresentation, or unfair/deceptive practices.