I would assume the first bank advised against it, and the other banks passed on it, is because they need to think not only about whether you can be expected to

I would assume the first bank advised against it, and the other banks passed on it, is because they need to think not only about whether you can be expected to repay the loan, but also about how easy it is going to be to offload the property if you can't afford the loan and they need to foreclose. Yes, YOU might be perfectly happy in a 1,900 square foot home, but if the market demand is for houses significantly larger, then you, or the bank, might find it (relatively) hard to find a buyer if you ever need to sell.