FHFA to Incorporate Cryptocurrencies in Mortgage Applications

Bill Pulte, Director of the U.S. Federal Housing Finance Agency, announced on June 27 plans to consider cryptocurrencies in mortgage qualification criteria.

This directive aims to include assets like Bitcoin and Ethereum stored on U.S.-regulated exchanges in mortgage applications, potentially expanding crypto’s role in traditional finance.

FHFA’s Directive: Crypto in U.S. Mortgage Policy

Bill Pulte, leading the FHFA, has directed Fannie Mae and Freddie Mac’s functions to evaluate crypto holdings in mortgage applications. This marks a novel shift in U.S. mortgage policy, previously limited by conventional financial frameworks. Eligibility will hinge on storage at U.S.-regulated centralized exchanges.

The initiative emphasizes market volatility considerations, warning of associated risks. While no specific funding is attached, industry participants see this as integral to broadening crypto’s credibility in mainstream finance. As it progresses, the policy could significantly impact assets like Bitcoin and Ethereum, shaping how they’re perceived in financial applications.

“This is a big win for advocates of cryptocurrencies who want crypto to be treated the same way as other assets are.” – Daryl Fairweather, Chief Economist at Redfin

Bitcoin’s Role in Financial Systems Amid New Policies

Did you know? The inclusion of cryptocurrencies in U.S. mortgage applications by the FHFA follows a period where digital assets were traditionally excluded, marking a notable shift towards mainstream acceptance.

Bitcoin (BTC), currently priced at $107,158.80 with a market cap of $2.13 trillion as of June 27, 2025, shows a 0.09% rise over 24 hours and a 2.63% increase over the week. Its dominance stands at 64.97%, per CoinMarketCap, reflecting stable performance amidst evolving regulatory landscapes.

Coincu’s research team anticipates notable impacts on financial adoption and regulatory adjustments, with potential technological advancements shaping crypto’s role in finance. Integrating such assets into mortgages could support broader acceptance, potentially transforming lending practices.