It seems to come in waves the fake lenders hitting you up on the PM system.

lately the fake ones have upped their game through the years many posts on NOT to pay any up front fee so the fake lenders have switched to NO up front fee Until fully approved. So they will string you along give you a full approval that will then require money.. you send the money in and thats the last you will see of it. you have been scammed.

Red flags are still interest rates far to low for HML or terms to easy.

They are also sending links to fake websites that were created for the scam. Latest one I saw was out of Miami.

Then when its apparent they cant get any money from you or what they want up front is your phone number and e mail they kill that BP persona and go to open up a new account.

If you play along with them you can get a pretty long conversation going all the while the fake lender is asking for your private info and assuring you they can do the deal