Yep i work in the mortgage industry and shitty lenders ( looking specifically at lenders affiliated with new construction homes) will botch the escrow account setup...seemingly intentionally to reduce out of pocket costs for the borrower at closing and make the monthly payment appear smaller. It all comes due eventually though...

Obviously on the borrower to be aware of these traps and to understand escrow, taxes, etc. But its industry standard to fuck this up unfortunately.