(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, sexual orientation, gender identity, disability, 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.