Racial Bias in Mortgage-Approval Algorithms

There's a graph below this passage that shows the disparity quite clearly; it's lower at higher credit scores but never quite disappears. A person of color essentially has to have an excellent credit score to receive the same consideration as an average white credit-seeker. I'm reminded of the purported "race bonus" on SAT scores wrr college acceptance; I wonder which is more important to the average American, and who has the greatest grievance.