0
0
News

Lenders Begin Recognizing Crypto Assets in Loan Approval Process

Newrez now includes crypto assets in its loan eligibility calculations.
0
0
Jan 15, 2026 • 1 min read

Newrez – a top five mortgage lender and servicer – announced today that it will begin recognizing crypto assets during the home loan underwriting process starting this February, making it the first mortgage provider among the top 25 lenders in America to do so.

What's the Scoop?

  • Empowering Consumers: By including crypto assets in net worth calculations, Newrez will empower more consumers to qualify for larger home loans using digital assets for asset verification and income estimation without the need to liquidate their holdings.
  • Policy Change: U.S. Director of Federal Housing William Pulte ordered government-sponsored mortgage securitizers Fannie Mae and Freddie Mac to recognize cryptocurrencies as assets in their loan calculations in June.
  • Imminent Launch: Newrez is on track to become the first major lender to include crypto holdings in its lending calculations, with an imminent rollout of the functionality slated for this February.

Not financial or tax advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. This newsletter is not tax advice. Talk to your accountant. Do your own research.

Disclosure. From time-to-time I may add links in this newsletter to products I use. I may receive commission if you make a purchase through one of these links. Additionally, the Bankless writers hold crypto assets. See our investment disclosures here.

Published in Bankless

There’s a revolution in the world of money. Ethereum, Bitcoin, crypto, open finance, DeFi—a bankless revolution. And you want part of it.