Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Complainant Rebuttal: Detailed Issues
Detailed extraction of unresolved points raised in rebuttal.
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)Product steering and option transparency concerns
Rebuttal states side-by-side loan alternatives and written conventional pricing were requested but not delivered in the active decision window.
Rebuttal states no formal comparative borrowing-cost analysis was provided before commitment decisions.
Rebuttal asserts the DSCR path functioned as the only viable option presented during origination.
Constructive pressure and consent context
Rebuttal states agreement-to-proceed language cannot be isolated from context because closing failure risked earnest-money loss.
The rebuttal cites compressed timing and asserts that meaningful choice was constrained when only one practical path was offered.
Business-purpose exemption limits argued in rebuttal
Rebuttal agrees loans were investment-purpose but argues exemption status does not eliminate anti-steering or UDAAP scrutiny.
Rebuttal argues meaningful disclosure requires enough time to evaluate alternatives and seek independent advice before closing.
Rebuttal states signed affidavits do not cure potential misrepresentation in product-option presentation.
Later rate-sheet relevance argued in rebuttal
Rebuttal cites later rate and product information as comparative evidence that materially different options existed in lender channels.
Rebuttal argues those later materials justify audit of lock-date availability and contemporaneous product menus.
Transfer transparency and pattern concerns
Rebuttal states transfer timing and notice clarity remain unresolved despite broker-lender role distinctions.
Rebuttal identifies a combined pattern of option limits, timing pressure, and higher-cost outcomes as requiring deeper review.
Requested review and production items
All lock-date rate sheets and product matrices for both files.
Underwriting notes addressing conventional eligibility at application time.
Compensation structure records for the involved loan channel and personnel.
Complete disclosure delivery logs with timestamps and acknowledgments.