TBH, this was my first thought when I read the headline. Surely they can’t be so bald-faced racist as to just deny someone because they’re black, they’d be caught easily. So I assumed it must be something like lower credit scores or some other confounding factor, which, to be clear, is still the result of racism. But like a deeper, more systemic racism. That it’s apparently not feels more concerning to me, like they just didn’t think it would be a problem if they got caught.