South African Boers are at Stage 6 of genocide according to genocide watch. So, let's please not dismiss that.
Genocide Watch - prevention, analysis, advocacy and action
As for your other points, I'm not going to dismiss your experiences. You said in another post you are (old). Could your past have tainted your reality today, however? Growing up black in the 60's and 70's would have been a different experience than in 2017 is my point. In other words, if you focus on all of these things being strictly because you are black, might your perception become your own reality. Again, I would never deny that blacks had a rough start (to say the least) in the U.S. Great strides have been made, however.
I agree that predatory lending is a real problem. Unfortunately, it doesn't just "target" blacks. It mostly targets the poor and desperate. Citibank and it's subsidiaries don't care whom they fleece. As long as they make money doing it.
If indeed they are going after what they deem as easier targets in the form of blacks and others, poor people of all races, the elderly, and people in general financial duress, then I would support laws which reigns in those predatory practices which I am not denying exist.
As for mortgage lenders, if any discriminatory practices based upon race can ever be proven (memo's would need to be disseminated to the community/branches all over the country), then the size of that class action lawsuit would be staggeringly huge. I'm not saying those things didn't happen in the past, but I would be very surprised that it happened today. I don't know how to explain your higher mortgage rate or your experiences at a car dealership. My general feeling is that those people can't get enough business and all you need is a pulse, a FICO score/credit check, a few pay stubs, and car dealers will sell to you if you have GREEN skin.
Indeed, the number of minorities (and other people who probably should not have had access to such cheap credit) who found themselves underwater on their homes from aggressive lending practices of the early 2000's suggests banks will indeed lend to just about anyone. The counter argument could be that they DID, and that in itself was predatory. But, denied loans? Don't think so. Just the opposite. Terms of those loans not withstanding, and again, not defending predatory lending for a second.