Banks in the 1990s were more likely to approve whites for home loans than blacks or latinos this is an example of

The fact that Banks in the 1990s were more likely to approve whites for home loans than blacks or Latinos is an example of: Institutional racism

Institutional racism is a form of racism that is carried out by big establishment toward a specific group.
During that period The banks saw blacks or Latinos as the ethnicity groups that tend to have weak economic capabilities so they think it would be easier to simply deny them from their service because it took too much risk.