Section 11-521 - Independent evidence of commercial purpose(a) A mortgage lender shall require a borrower to provide the mortgage lender with independent evidence of the commercial purpose of the loan where the loan is: (1) Secured, in whole or in part, by any interest in a dwelling or residential real estate in Maryland; and(2) In excess of $75,000.(b) Other than the requirements of subsection (a) of this section, a mortgage lender is not required to make an independent investigation to obtain independent evidence of the commercial purpose.