You seem to assume racism is always an active choice, rather than largely (these days) a set of systemically biased policies as well as implicit and often uncon

You seem to assume racism is always an active choice, rather than largely (these days) a set of systemically biased policies as well as implicit and often unconscious prejudice. It's also not all about rejecting loans. Rather, it's that the terms offered are different for every buyer, and the groups that are being discriminated against are charged higher rates, and thus pay more, for the same product. There's plenty of data out there proving that, for whatever reason, African American loan applicants with identical credit scores and income are routinely charged higher interest rates for auto and home loans than their white counterparts. The next question to ask is "why?" but we can't pretend the effect doesn't exist.