It doesn't matter what Trump said about valuation of his property any more than if you told the bank the house you were refinancing was worth 10 million if it was only worth one million.

This is a crime. This is mortgage fraud. Very straightforward crime.

I>T'S s up to the lending institutions to value assets they are lending money on, not the people they were lending money to.

This was not that type of loan. This was a prime aspect of the case

The real estate side of Deutsch Bank wanted 10% interest. Trump got a 2% passed on a high net worth and a minimum $50 million in cash.

The properties were not collateral for these loans. The loans was personally guaranteed based on Trump's wealth Part of the disgorgement is hundreds of millions in the difference in interest.

Also, they didn't lose any money and wanted more business from Trump, so there was essentially no crime or fraud

Once the false numbers were put on the documents fraud has occurred. Just like if I lie on my mortgage application.

There were a couple of witnesses from DB. The saleswoman was happy.

However the bank's risk manger said Trump didn't qualify for the size of the loans or low interest rates.

https://apnews.com/article/donald-trump-letitia-james-fraud-new-york-364d1052f98816121000c26dc66f3878

Trump’s “statements of financial condition” were key to his approval for a $125 million loan in 2011 for his golf resort in Doral, Florida, and a $107 million loan in 2012 for his Chicago hotel and condo skyscraper, former Deutsche Bank risk management officer Nicholas Haigh testified.

Those numbers helped Trump secure bigger loans and lower interest rates, said Haigh,

Deutsche Bank’s private wealth management unit, which handled the loans, wouldn’t have approved them without a “strong financial guarantee” from Trump, Haigh said.

Haigh said he reviewed Trump’s financial statements before approving the loans and, at the time, had no reason to doubt their validity.