The Consumer Financial Protection Bureau published the 2019 list of rural and underserved counties and a separate 2019 list that includes only rural counties. The bureau has also updated the rural and underserved areas website tool for 2019.
A creditor that makes a first-lien mortgage loan secured by a property located in a rural or underserved area during 2019 meets the requirements to be a creditor that operates in rural or underserved areas during 2020 and for loan applications received before April 1, 2021.
View the 2019 Lists
Access the Online Tool