loanDepot (Crypto-Qualified)

Bitcoin Mortgages

loanDepot accepts Bitcoin and other cryptocurrency holdings as qualifying assets for conventional mortgage applications, allowing borrowers to use their crypto portfolio alongside traditional income and assets. The company is one of the largest non-bank mortgage lenders in the US and has updated its underwriting guidelines in response to the 2025 FHFA ruling that allows crypto reserves for conforming mortgages.

Details

Note: Accepts crypto holdings as qualifying reserves per 2025 FHFA guidelines
Lender: loanDepot
Founded: 2010
Ltv Max: 80
Loan Type: Conventional Mortgage (Crypto-Qualified Income)
Distribution: Retail / Direct
Jurisdiction: US
Mortgage Type: Crypto-asset qualified (conventional)
States Available: All 50 states

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