Maryland Commercial Law Section 12-113

      (a)      Except as provided in subsection (b) of this section, a lender may not refuse to lend money to any person solely because of:

            (1)      Geographic area or neighborhood; or

            (2)      Race, creed, color, age, sex, marital status, handicap, or national origin.

      (b)      A lender may refuse to make a loan:

            (1)      On property outside a geographic area of the State in which the lender normally does business;

            (2)      To be used in a type of business or activity other than a type in connection with which the lender normally makes loans; or

            (3)      Because of a greater than normal risk, including one due to:

                  (i)      The presence of an airport;

                  (ii)      An unusual drainage condition; or

                  (iii)      Any other situation which causes a greater than normal risk of loss in a particular area.