Trump's loan wasn't made based on Trump's attestation. James loan was based on her attestation.Because Trump's valuation of his property was an estimate he made. The bank--and they said so--did their own estimate of the property value. The judge, and James made wildly lower estimates and then claimed somehow Trump lied about the value of the properties involved. He gave ESTIMATES! The same sort of estimates Eragon and James made, along with the banks. That isn't a chargeable offense criminally or civilly. The only way to know the real value of a piece of real estate is to actually sell it.
In James' case she made knowingly false statements on loan documents to the government where the documents stated that lying on them was chargeable as a felony. It's that simple.