Two Families Go to the Bank for a Home Improvement

Two families go to the bank for a home improvement loan-a White family and an African American family. The families have similar credit scores, annual incomes, and other factors required for the loan. However, they have different zip codes. The loan officer inputs their information into the computer; unfortunately, the African American family does not receive a home improvement loan. What is the likely explanation?

A) The loan officer was racist and denied the loan because she dislikes African Americans. This is an example of personal racism.
B) The African American family did not receive a loan because the bank, as an institution, is racist.
C) The computer program responded to the differences in zip codes. The program was set up to deny loans to communities in specific areas. This is an example of institutional oppression.
D) No explanation can be found based on the information given.