Over multiple years, to multiple banks and multiple insurance companies. Your second point, well he was able to get credit, but in the instances involved here it was as a guarantor on loans on a real estate project. At the level he operates at, Banks asked for guarantees, because there’s a perceived weakness in the credit, or the project owner is asking for special terms. Trump over, inflated his net worth, and the value of assets that he owned, and worse, he lied about the nature of those assets on his financial statements for years. so how much of that was the reason he was able to get credit?
And has for your nonsensical third paragraph… you seem to be advocating the bigger full theory, which isn’t too surprising. Any good bank is going to evaluate the credit risk similarly, and I there were multiple banks involved, all competing with each other over his projects.