The CFPB has published the 2019 list of rural and underserved counties and a separate 2019 list that includes only rural counties. The bureau also updated the rural and underserved areas website tool for 2019.

The 2019 lists can be found here. The rural and underserved areas tool can be found here.

The lists and the tool help creditors determine whether the property is located in a rural or underserved area for purposes of applying certain regulatory provisions related to mortgage loans.

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.