Except as provided in subsection (b) of this section, a lender may not refuse to lend money to any person solely because of: Geographic area or neighborhood; or Race, creed, color, age, sex, sexual orientation, gender identity, disability, marital status, handicap, or national origin. A lender may refuse to make a loan: On property outside a geographic area of the State in which the lender normally does business; To be used in a type of business or activity other than a type in connection with which the lender normally makes loans; or Because of a greater than normal risk, including one due to: The presence of an airport; An unusual drainage condition; or Any other situation which causes a greater than normal risk of loss in a particular area.