If they've taken loans days just before the audit it's got to be noticed. If they've seen it they'll publish it.
Why would an exchange publish details of a loan which shows they are insolvent? They will keep it under wraps, and it will go unnoticed. Just as emergency loans to Celsius, to Voyager, to BlockFi, etc., all went unnoticed in the run up to their collapse. If it was actually this easy to verify the solvency of a centralized platform, then we wouldn't have multiple platforms going bankrupt and taking millions of users' deposits with them.
there isn't a way to find out which exchanges have habits for boasting unverified figures.
All of them.
Falsifying market cap isn't short of fraud.
Exchanges have been caught commit a huge number of far more illegal activities, from selling user data to insider trading to helping themselves to users' funds for their own purposes. A little bit of fudging the numbers isn't going to phase them.
USDT isn't secure if it's backed by one exchange but it's used most for bitcoin transactions.
USDT is insolvent and is not backed up 1-to-1 as they claim. This has been proven in court on more than one occasion. And yet it continues to be widely used. It makes no sense.