Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Possible Builder-Lender Steering Question
A sourced question for regulators: was the borrower given meaningful product choice?
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)Question presented
The complaint asks whether the borrower was steered into a higher-cost DSCR interest-only loan because alternatives were not meaningfully presented.
The builder-lender question is whether sales pressure around closing and loan presentation worked together to narrow practical choice.
The complainant specifically alleges that Vicki Smith's builder-side closing pressure and Rob Shell's loan-option presentation worked together to push the buyer toward closing, and asks regulators to review whether that conduct was unlawful steering or manipulation.
What would support the concern
Evidence that lower-cost options were available but not disclosed.
Evidence that the borrower requested alternatives and received no written comparison.
Evidence that closing pressure was communicated while only one loan path was presented.
Evidence that compensation or referral structures favored the selected path.
What would cut against the concern
Clear written comparison of eligible products before commitment.
Documented conventional eligibility analysis and decline rationale.
Disclosure logs showing timely receipt and practical review time.
Compensation records showing no channel bias or improper referral benefit.
Related resources
Consumer Financial Protection Bureau complaint portalRegulator portal
NMLS Consumer AccessLicensing lookup
CFPB Regulation Z, 12 CFR Part 1026Federal regulation
Sources
CFPB Regulation Z, 12 CFR Part 1026Federal regulation
Homes.com / Realtracs record: 700 N Dupont Ave Unit 303Real estate listing record
LinkedIn profile: Vicki Smith, PulteGroup New Home Sales ConsultantPublic profile
Mutual of Omaha Mortgage loan officer page: Rob ShellCompany profile