Nothing contained in this Act shall preclude a financial institution from considering sound underwriting practices in contemplation of any loan to any person. Such practices shall include the following:

1. (a) The willingness and the financial ability of the borrowers to repay the loan.
2. (b) The market value of any real estate or other item of property proposed as security for any loan.
3. (c) Diversification of the financial institution's investment portfolio.

(from Ch. 17, par. 854)

(Source: P.A. 81-1391.)