If I were interested in having an honest discussion... I wouldn't start by picking out a single story. This story is clearly cherry picked, and we don't even have all of the details.
A discussion about privilege would have to talk about populations in general. If you could show how Black couples got lower interest rates than equivalent White couple, then I would agree that this was an example of Black privilege.
If you showed that when you look at all the data, Black teens are less likely to get a long prison sentence than White teens for equivalent crimes, then you would have an intelligent point with which to start an honest discussion.
You haven't posted any data. I won't do your homework for you, but I suspect you will find that the data says the opposite.
You are starting with a ideological narrative
, and then cherry picking stories that you think support it. This is not a good start for an honest discussion.