The banks require a special property asset form, listing any appraisals, any conditions attached to the properties, any mortgages already on the properties and for how much, any deed restrictions, any rental control restrictions and any kind of condition that could affect the appraisals of the properties, including conditions that may change the banks own appraisals.
A certified public accounting firm is suppose to fill out this form and certify its asset related conditions, and value estimates of the assets.... which the Certified Public Accounting firm did...but later in the trial evidence was presented that showed that the Trump org provided false information to the accountants, and Trump's CFO Weisselberg tried to take the blame but it was revealed that Donald Trump himself is the one that signed off on the crap given to the Accounting Firm that was false.
The Accounting firm that the Trump Org hired, severed their ties with Trump when it was revealed in court....
So, as a non expert on this stuff...it appears that banks do rely on this special assets form filled out by Certified Public Accountants that is required for the borrower, ....to get information that their bank appraisers may not have easy access to....?