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U.S. Housing Regulator Could Let Crypto Be Considered in Mortgage Applications

Director Bill Pulte said that the FHFA will examine whether cryptocurrency holdings should help when it comes to U.S. home loans.

By Francisco Rodrigues|Edited by Parikshit Mishra
Updated Jun 24, 2025, 8:51 a.m. Published Jun 24, 2025, 8:45 a.m.
Houses in a neighbourhood for mortgage (Paul Kapischka/Unsplash)
(Paul Kapischka/Unsplash)

What to know:

  • The FHFA opened a review of digital asset balances in home-loan applications, according to its director.
  • The could change how Fannie Mae and Freddie Mac evaluate borrower wealth to consider cryptocurrency holdings.
  • FHFA Director Bill Pulte holds bitcoin and other crypto-related assets.

The Federal Housing Finance Agency (FHFA) will study whether crypto holdings should count when Americans apply for a mortgage, Director Bill Pulte said on X.

The review, will look at how assets, such as bitcoin BTC$66,792.52 might fold into the income-and-wealth checks at Fannie Mae, Freddie Mac, and the 11 regional Federal Home Loan Banks, used to backstop most U.S. mortgages.

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Pulte's comment come as the U.S. becomes increasingly crypto friendly under President Donald Trump's rule. Pulte, was sworn in on March 14 after being nominated by Trump.

Public filings show he owns as much as $1 million in both bitcoin and solana's SOL SOL$80.86, alongside stakes in crypto firm MARA Holdings, air conditioning firms, MrBeast Industries, and Elon Musk’s X among others.

Currently, Fannie Mae and Freddie Mac require that cryptocurrency holdings be “exchanged into U.S. dollars and is held in a U.S. or state regulated financial institution” to be considered.

Read more: U.S. Openness to Crypto Could Raise Risk Levels in TradFi, European Regulators Say

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