Is inflating a payoff a CRIMINAL OFFENSE in GA?

[Jesse LeBlanc]

FACT: Borrower asks lender a "favor" to increase their payoff as a way to get hundreds of thousands extra back but NOT given back at closing on HUD, rather under the table directly from lender to borrowers after lender received the inflated payoff.

Is this in fact considered Mortgage Fraud? Is it some other offense? If so, would both borrower and lender be charged the same or just one party? What could this mean for the lender if exposed to OCC or FDIC?

please reply with actual law codes if it’s criminal. Please add supporting links, documents or links to sources etc to your response if possible.