I don't know if I experienced direct harm from their actions. Certainly they had a culture of being ... not good, and that probably filtered down to customer service and processing, which hosed me over multiple times in the short time I had used them. They ended up costing me hundreds of dollars in fines and late fees because they mishandled escrow (and I was told it wasn't just me, they mishandled a lot in my county), so... ~$140 15 years later is probably not all the useful. A more accurate figure may have been, let's say, ~$1000 15 years ago, to cover the late fees/penalties along with my own time/stress figuring it all out (multiple trips and calls to county office, time away from work, etc).