 This type of fraud is one of the most costly for lenders because the loss is always large.One of the three fraud schemes involved sales of more than 50 luxury estates in several of metro Atlanta's "country club" subdivisions and more than 250 condominiums in eight complexes in Dunwoody, Buckhead, Midtown and downtown Atlanta.A second scheme focused on sales at grossly inflated prices of 27 lots in the Cascade Oaks subdivision in southwest Atlanta.