"....things like escrow shortage fraud?" .............. re most business dealings like this......
they've been doing this a long, long, long time.
no one wins. they don't care. and hardly anyone ever 'blew the whistle' on them..... no one cared enough, or they were 'on the take', or they didn't get sucked into it ever so it was none of their concern.
specifically re current mortgage companies. nada.