After the banking industry got caught with their pants down in 2008, it appears the “lender pendulum” has swung the other way. In 2005, anyone who fogged a mirror could obtain a half million-dollar loan, and they did. Although bank stocks tumbled during the crisis, the banking industry benefited handsomely from the Feds loose monetary policy.  Now they are costing home sellers thousands in equity by “rounding down” in the name of fiscal responsibility.