My experience working for a technology provider for banks is that banks aren't going to be using uncensored models. Auditing, record keeping, explainability, carefully selected/thoroughly reviewed wording etc. are par for the course, and in fact that's where there's money to be made. Individuals don't care about these sorts of features, so the FOSS model ecosystem is unlikely to put much if any effort into them. B2B use-cases are going to want that, so it's something you can build without worrying as much about it being completely commoditized.

This kind of redlining is ironically what the EU is trying to prevent with the much-criticised AI Act. It has direct provisions about explainability for exactly this reason.

The concern about redlining has always slightly puzzled me. Why do we only care that some people are being unjust denied loans when those being denied loans make up a recognizable ethnicity?

Because the law says if you fuck around with "race, religion, age, sex, disability" and a few other things you will get sued in federal court and lose your ass so bad that it will financially hurt for a while.

Outside of protected classes unjust loan denial isn't really illegal. Now that can be your own series of complaints that need addressed, but they aren't ones covered by current laws.