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Use the official Consumer Financial Protection Bureau (CFPB) tool to verify if your property is located in a rural or underserved area. Get instant, authoritative results for mortgage and lending purposes.
The Consumer Financial Protection Bureau (CFPB) maintains an official tool to help creditors and property owners determine which properties are located in “rural” or “underserved” areas as defined by federal regulations.
Maintained by the Consumer Financial Protection Bureau (CFPB), this tool provides official determinations that creditors can rely on for regulatory compliance.
Uses comprehensive geographic data to determine rural and underserved area classifications based on current federal definitions and boundaries.
Check property status for any year from 2014 to 2024, allowing you to verify classifications for past transactions or current needs.
Rural and underserved area classifications play a crucial role in mortgage lending and real estate transactions. These designations can affect:
If you have any questions or require further clarification, please don’t hesitate to schedule a call with us.
Follow these simple steps to check if your property is located in a rural or underserved area
Visit the CFPB Rural and Underserved Areas Tool at consumerfinance.gov. The tool is free to use and requires no registration or personal information.
Input the complete property address including street address, city, state/territory, and ZIP code. You can check up to 10 properties manually or upload a CSV file for bulk checking (up to 250 properties).
Example Format:
123 Main Street
Smalltown, IA 50001
The tool will provide instant results showing whether your property is classified as rural, underserved, or neither. Results include the address entered, address identified by the system, and the official determination.
