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13 New York Counties On CFPB’s Rural, Underserved Counties Lists

13 New York Counties On CFPB’s Rural, Underserved Counties Lists

The Consumer Financial Protection Bureau (CFPB) published the 2019 list of rural and underserved counties (and a separate 2019 list that includes only rural counties) and 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, as well as for loan applications received before April 1, 2021. 

In New York State, 13 counties are on both the “rural and underserved” and “rural only” lists: Allegany, Chenango, Clinton, Delaware, Essex, Franklin, Greene, Hamilton, Lewis, Otsego, Sullivan, Wyoming. 

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