Maryland Code, Financial Institutions § 11-605

(1) The applicant has never had a mortgage loan originator license revoked in any governmental jurisdiction;

(2) The applicant has not been convicted of, or pled guilty or nolo contendere to, a felony in a domestic, foreign, or military court:

(3) The applicant has demonstrated financial responsibility, character, and general fitness sufficient to command the confidence of the community and to warrant a determination that the mortgage loan originator will operate honestly, fairly, and efficiently;

(4) The applicant has completed the prelicensing education requirement under § 11-606 of this subtitle and any prelicensing education requirements established by the Commissioner by regulation;

(5) The applicant has passed a test that meets the requirements established under § 11-606.1 of this subtitle and any prelicensing testing requirements established by the Commissioner by regulation; and

(6) The applicant has met the surety bond requirement under § 11-619 of this subtitle.

(1) Debts arising from medical expenses, including judgments;

(2) Except for delinquent child support payments, debts, including judgments, arising from divorce proceedings or divorce settlements;

(3) Foreclosures on the applicant's principal residence;

(4) The applicant's credit score as reported by any consumer reporting agency, as defined in 15 U.S.C. § 1681a; or

(5) The applicant's involvement in a bankruptcy proceeding under Title 11 of the United States Code.