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 Response: Detailed Assertions
Detailed extraction of the company's response points.
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)Transaction framing stated by Mutual
Mutual states the borrower requested financing for two investment properties at 700 N Dupont Ave, Units 514 and 512 in Madison, Tennessee.
Mutual cites application dates of October 18, 2023 (Unit 514) and December 15, 2023 (Unit 512).
Suitability and product-selection explanation
Mutual states borrower personal-income profile did not meet conventional qualification expectations at the time of application.
Mutual states a 30-year interest-only DSCR program through NewFi Lending was discussed and selected.
Mutual states borrower communications confirmed readiness to proceed with the DSCR option.
Disclosure and exemption assertions
Mutual states initial package dates were December 12, 2023 (Unit 514) and December 18, 2023 (Unit 512).
Mutual states sample mortgage comparisons were included in disclosures.
Mutual cites 12 CFR 1026.3(a) business-purpose exemption and signed occupancy/business-purpose affidavits.
Mutual states final closing disclosures were included in each closing file.
Pricing, timing, and compensation assertions
Mutual disputes that 2024-2025 rate references are reliable proof of 2023 availability due to market and borrower-profile changes.
Mutual states there was no incentive to steer because brokered DSCR compensation was lower than conventional in-house compensation.
Mutual states file review found no excessive origination fees, discount abuse, or interest overcharges.
Transfer-related position
Mutual states it acted as broker and did not control post-funding transfer handling, directing transfer questions to NewFi Lending.
Mutual concludes the files were originated and closed in compliance with applicable law.