Public professional profile
Rob Shell / Robert Hillman Shell
- Role
- Mortgage Loan Originator
- Organization
- Mutual of Omaha Mortgage
- NMLS ID
- NMLS ID #2226086
Dossier summary
Rob Shell Role in the Complaint Record
The complaint allegations, Mutual's response, and the records needed to test both sides.
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)Complaint allegations
The complaint alleges that Rob Shell represented the non-QM DSCR interest-only product as the only practical loan option for the Dupont properties.
The complaint further alleges that requested rate sheets, written conventional comparisons, and lower-cost alternatives were not provided before the borrower proceeded.
Mutual's stated response
Mutual states the borrower did not meet conventional personal-income qualification expectations at the time and that the DSCR program was explained and accepted.
Mutual also states that disclosures were provided and that its internal review did not identify coercion, steering, inflated charges, or improper compensation.
Open factual questions
What products were available to this borrower on the lock dates?
Were conventional options evaluated in writing before the DSCR path was selected?
What communications show whether the borrower requested alternatives?
What compensation applied to the chosen channel and any alternatives?
Related Rob Shell pages
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 loan officer page: Rob ShellCompany profile
LinkedIn profile: Robert Hillman ShellPublic profile
CFPB Regulation Z, 12 CFR Part 1026Federal regulation