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 DSCR Loan Steering Allegations
A legally careful allegation page for the disputed DSCR loan-choice issue.
This page is an indexable public-record summary. It uses professional profile details, public listing records, and disputed complaint materials. It does not state that unresolved allegations are true or that any person 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)Issue: DSCR / non-QM interest-only loan-option presentation
Complaint theory: Alternatives were requested but not meaningfully presented
Company position: Mutual disputes coercion, steering, and improper compensation
Allegation stated in the complaint
The complaint alleges that Rob Shell represented the DSCR interest-only product as the only practical loan path for the Dupont properties.
The complaint further alleges that requested side-by-side alternatives, rate sheets, and conventional comparisons were not provided during the active decision window.
Records needed to test the allegation
Lock-date rate sheets and product matrices.
Written conventional eligibility analysis or decline rationale.
Communications showing requests for alternative products.
Loan-level compensation records for DSCR and alternative channels.
Related person pages
These pages separate public profile facts, complaint allegations, and record-request issues so readers and search engines can find the relevant context without mixing source types.
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