Dossier summary

Rate Sheet and Option Transparency

The record request most likely to clarify what options were available when decisions were made.

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
Public sources

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
Public sources

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

Why rate sheets matter

Rate sheets and product matrices can show what programs and pricing were available at a specific time.

They are more useful than after-the-fact statements because they tie product availability to the actual application and lock windows.

Current dispute

The rebuttal states that lower-cost and conventional options were requested but not presented in writing during the active decision window.

Mutual disputes the use of later 2024-2025 rate information as proof of 2023 availability and states the selected product reflected the borrower's profile at the time.

Minimum production request

All rate sheets available on the relevant lock dates.

Product matrices and overlays applicable to the borrower and properties.

Any lock desk notes or exception requests.

Side-by-side comparisons actually delivered to the borrower.

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

This page distinguishes public records, disputed allegations, company statements, and editorial context. It is not legal advice and does not determine liability.