If you were getting that loan to buy a house to use as a base of operations for harassing people in the neighborhood, the bank would rightfully deny your application.
You're strangely trying to tie this to someone simply living in a high-crime neighborhood. It's racist to deny a qualified person because the neighborhood is "high-crime" because often neighborhoods are high-crime because they're also over policed (which increases crime stats). In your analogy, the person isn't a known criminal, and isn't more likely to commit crime simply by living in an area that has a higher crime rate.
