Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Mutual of Omaha Mortgage Profile
Company context for the mortgage lender and broker named in 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)Company website: mutualmortgage.com
Company NMLS listed publicly: 1025894
Public role in dispute: Mortgage broker and lender channel named in complaint materials
Public company context
Mutual of Omaha Mortgage presents itself publicly as a national mortgage company offering purchase, refinance, VA, investment-property, construction, home equity, and related mortgage products.
The company website footer lists Mutual of Omaha Mortgage, Inc. as NMLS ID 1025894 and includes state licensing references.
Public leadership context
Mutual of Omaha Mortgage's public profile for Tony Fragale lists the role "Branch Manager, Vice President of Mortgage Lending" and NMLS ID #76480.
The cited official profile establishes public professional context only; it does not identify a connection to the Dupont complaint.
Section sources
Mutual of Omaha Mortgage loan officer page: Tony FragaleCompany profile
Role in the complaint record
The complaint names Mutual of Omaha Mortgage in connection with the origination path for two investment-property loans at 700 N Dupont Ave.
Mutual states the DSCR product was suitable based on the borrower's qualification profile. The rebuttal argues that lower-cost or conventional options were not meaningfully presented in the active decision window.
What should be reviewed
The product menu available on the lock dates for both loans.
Any internal analysis of conventional eligibility or decline rationale.
The compensation structure for brokered DSCR products compared with in-house options.
Disclosure delivery logs and borrower acknowledgment timestamps.
Related resources
Consumer Financial Protection Bureau complaint portalRegulator portal
NMLS Consumer AccessLicensing lookup
CFPB Regulation Z, 12 CFR Part 1026Federal regulation
Sources
Mutual of Omaha Mortgage homepage and licensing footerCompany website
Mutual of Omaha Mortgage Brentwood, Tennessee location pageCompany location page