While maintaining the actuarial soundness of the fund, the agency shall make efforts to do both of the following:

1. (a) Equitably distribute insurance based on a regionalized basis, weighted in accordance with the geographic distribution of the state’s population.

2. (b) Focus on housing opportunities that benefit any of the following:

   1. (1) Households with incomes at or below area median income.
   2. (2) Households that require mortgages at or above 95 percent of the price of the home.
   3. (3) Households that are participating in locally administered housing programs.