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Ultimately, the victims are kind of ancillary where fraud of this nature is concerned. Everyone involved could profit from the sale of cocaine, but that doesn't make the sale any less illegal. Likewise, you don't get to lie on your appraisal forms to game the system and generate free money, because that has long-term economic impacts far beyond the scope of direct victims.
Yeah, and that's why I said "kind of." The faceless public is certainly the victim (as is always the case with anything related to Trump), but it's really hard to personify a nebulous group that will be indirectly affected in the coming years (or were affected in ways unseen over the years).
Fraud was committed, and fraud laws exist to protect the public and the markets from that kind of manipulation at their expense.