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DUTY TO SERVE data

Rural Areas

The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 establishes a duty for Fannie Mae and Freddie Mac to serve very low-, low-, and moderate-income families in rural areas.  FHFA's Duty to Serve rule defines "rural area" as:  (1) a census tract outside of a metropolitan statistical area, as designated by the Office of Management and Budget; or (2) a census tract in a metropolitan statistical area, as designated by the Office of Management and Budget, that is outside of the metropolitan statistical area's Urbanized Areas as designated by the U.S. Department of Agriculture's Rural-Urban Commuting Area Code #1, and outside of tracts with a housing density of over 64 housing units per square mile for USDA's RUCA Code #2.

Census tracts that are considered rural areas or non-rural areas for Duty to Serve purposes are available below, based on 2010 census tract geography.  Each file includes a map of counties in designated high-needs rural regions and a description of the data layout, also available separately.

Rural Areas Data



Year Format Dictionary Map

2017

[ZIP]

[PDF]

[PDF]

2016

[ZIP]

[PDF]

[PDF]



Indian Areas

FHFA’s Duty to Serve rule specifies support for high-needs rural populations as a Regulatory Activity that the Enterprises may consider when developing their plans for the rural market under the Duty to Serve program. One of the high-needs rural populations identified by the final rule is members of Federally recognized Indian tribes located in Indian areas.

Census tracts that are considered Indian areas for Duty to Serve purposes are available below, based on 2010 census tract geography. The file includes a description of the data layout, also available separately.  

Indian Areas Data



Year Format Dictionary

2017

[ZIP]

[PDF]



Residential Economic Diversity Areas

FHFA's Duty to Serve rule provides extra credit for activities that promote economic diversity.  FHFA's Duty to Serve FInal Rule defines residential economic diversity to include Enterprise activities that support financing of mortgages in high opportunity areas.

Census tracts that are considered high opportunity areas for Duty to Serve purposes are available below, based on 2010 census tract geography.  The file includes a description of the data layout, also available separately.


Residential Economic Diversity Areas Data



Year Format Dictionary

2017

[ZIP]

[PDF]

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