Maryland Code, Financial Institutions § 9-1008

(i) Initial or proposed capital investments, loan policies, investment policies, dividend policies, and the general plan of business, including the cost of services that are offered by any interstate association or any savings and loan holding company operating in Maryland or are to be offered by any interstate association or out-of-state savings and loan holding company seeking to operate in Maryland;

(ii) Specific steps taken or proposed to be taken to meet the credit needs of individuals, including low and moderate income residents in the community to be served;

(iii) The financial and managerial resources of the interstate association or out-of-state savings and loan holding company;

(iv) The financial history and future prospects of the interstate association or out-of-state savings and loan holding company;

(v) The resultant concentration of resources and amount of total assets and total deposits to be held by the interstate association or out-of-state savings and loan holding company after a merger or acquisition;

(vi) The impact of regional reciprocal savings and loan association operations on competition;

(vii) The availability of home financing for all groups, including low and moderate income groups;

(viii) The availability of credit for loans;

(ix) Rates charged for credit;

(x) Any fees charged for credit;

(xi) Any other information the Division Director may consider relevant or that the General Assembly may request;

(xii) Number of applications submitted, approved and denied; and

(xiii) The impact of regional savings and loan operations on existing savings and loan associations.