Yes, perhaps the financial market situation has made getting a loan more difficult for you in particular, but as with everything in life, it all depends on your perspective. While I don't necessarily agree with Jonathan below in that you are being "rewarded" (and I'm sure it was possibly stated "tongue in cheek"), he does have a good point. Several years ago, many other borrowers (probably in a similar financial situation as yourself) felt that they were well qualified, had sufficient credit scores, down payment, etc..., and became the happy recipients of an adjustable rate mortgage on a home they stretched for. Fast forward a couple of years to 2008, and Voila', look what happened.
Now, the lending institutions are returning to their conservative states and as a result, fewer borrowers can qualify (or as some would say, be put in jeopardy because they bit off more than they could chew). We as a nation, have become so infatuated with the lifestyles of the rich and famous, that we stretch way beyond our means. By this, I mean that we want the best of things right now instead of biding our time. Both of my parents had 6 siblings and grew up in small apartments, often doubling and tripling up in bedrooms. Nowadays, some families feel they need one bedroom AND bath for each person in the household.
Again, Jonathan makes a good point about inventory levels and interest rates. While I don't know your particular needs in a home, I would suggest reviewing your criteria and perhaps scaling back to a home size and price range that fits within the lender's criteria. It may not be the ideal home, or the home of your dreams, but what you will discover over time, is that no home ever is.
Best of luck!