Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Loan Timeline
Key dates and events cited in the complaint and response.
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)Application and initial loan path
October 18, 2023: Unit 514 application date cited by both sides.
December 15, 2023: Unit 512 application date cited by both sides.
Mutual states the DSCR path was suitable based on borrower profile and investment-property cash-flow qualification.
Complainant states meaningful alternatives were requested and not presented during the active decision window.
Disclosure dates cited by Mutual
December 12, 2023: initial package date cited by Mutual for Unit 514.
December 18, 2023: initial package date cited by Mutual for Unit 512.
Mutual states sample mortgage comparison materials were provided in those disclosure packages.
Complainant disputes practical sufficiency and timing of disclosure delivery relative to closing decisions.
Closing pressure and choice context (disputed)
The rebuttal states the borrower proceeded under earnest-money risk and compressed timelines, not as unrestricted product preference.
Mutual disputes coercion and states communications show informed agreement with the selected product.
Post-closing references
Both sides reference NewFi Lending in funding/broker-channel context and later servicing/transfer issues involving Planet Home Lending.
Mutual disputes the use of 2024-2025 rate references as proof of 2023 product availability; complainant cites those later materials as comparative context for regulator review.