Section 12-113 - Discrimination prohibited(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.