You know, we're all coming at this like 'wow this person is stupid and hateful, saying swings and roundabouts when they meant what goes around comes around', but what if they actually just said it in a 'c'est la vie' kind of way? Like 'well you made me sad and I made you sad. Such is life.' Especially when you add the context of how they probably HAD to refuse said mortgage application instead of exercising leeway to do so.