The man did it- AGAIN! /s
What they don’t tell you is the loan officer who took advantage of a black was more than likely black. I’ve seen it time and time again.
A few years back ABC did a news story on blacks screwing over blacks. In car sales the black sales person typically charged the black buyer a few hundred dollars more per car than the same sales person charge a white buyer. But white sales people were even across the board regardless of color.