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

4 months ago 6

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

Updated Jun 24, 2025, 8:51 a.m. Published Jun 24, 2025, 8:45 a.m.

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

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.

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

, 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.

Francisco Rodrigues

Francisco is a reporter for CoinDesk with a passion for cryptocurrencies and personal finance. Before joining CoinDesk he worked at major financial and crypto publications. He owns bitcoin, ether, solana, and PAXG above CoinDesk's $1,000 disclosure threshold.