Is it the role of the loan industry to make it more difficult for black people to get loans, regardless of whether the individual is a higher statistical risk?

Is it the role of the loan industry to make it more difficult for black people to get loans, regardless of whether the individual is a higher statistical risk? (Apparently so, since that's the way it's always worked, right?) It is trivial to bake an irrelevant distinction into a naive ML driven process.