Alex is applying for a mortgage to purchase their first home. Their credit rating is mediocre due to several late credit card and car loan payments. They are upset because their friend Elliot was offered an interest rate $3$ percent less than what Alex was offered by the same mortgage company. This mortgage company's actions are

unethical$-$both Alex and Elliot should have been charged the same interest rates, regardless of their credit histories

ethical$-$this is just a part of doing business because credit history can be an important indicator of future payments

illegal$-$subjective factors may not be used when determining which credit offers may be extended to certain customers

unethical if Alex is a member of an underrepresented group and Elliot is not

unethical and illegal$-$customers must all be treated the same