I have the answer to that. Banks aren't making loans because federal bank examiners are going over their balance sheets with a fine tooth comb. Journalists wouldn't understand this type of cause and effect because it involves the private sector. But surprise, surprise - when the feds start subjecting banks to intense scrutiny, that type of activity tends to make bank officers very nervous about making new loans.
Banks are making it hard because the risk are too great. The problem with the economy IS NOT because the bank don’t lend out, but because they lent out too much and too easily. Main street failed (can’t pay the loan), so the bank failed.