PenFed Credit Union

Bitcoin Mortgages

PenFed (Pentagon Federal Credit Union) is one of the largest credit unions in the United States and has developed policies for accepting cryptocurrency assets, including Bitcoin, as qualifying reserves for residential mortgage applications. PenFed serves over 2.5 million members and offers competitive mortgage rates. Its crypto policies align with the 2025 FHFA guidelines allowing digital asset reserves for conforming loans.

Details

Note: 2.5M+ members; crypto reserves accepted per FHFA 2025 guidelines
Lender: PenFed Credit Union
Founded: 1935
Ltv Max: 80
Loan Type: Conventional Mortgage (Crypto Asset Verified)
Distribution: Direct / Credit Union
Jurisdiction: US
Mortgage Type: Crypto-asset qualified (conventional, VA, jumbo)
States Available: All 50 states

Links

twitter

More Bitcoin Mortgages

Milo

Milo is the market leader in Bitcoin-backed mortgages, surpassing $100 million originated in February 2026. Up to 100% financing with no cash down payment required. Rates from 8.25%, zero margin calls, and loans up to $25 million. Licensed in 10+ states.

Abra Bitcoin Lending

Abra is a US-based digital asset wealth management platform offering Bitcoin-backed loans for high-net-worth individuals. Abra Boost and Abra Borrow allow clients to leverage Bitcoin holdings for liquidity without selling, with competitive interest rates for accredited investors. The platform manages over $1 billion in digital assets.

Ameris Bank

Ameris Bank is a regional bank and mortgage lender that accepts cryptocurrency holdings, including Bitcoin, as qualifying assets for residential mortgage applications. Based in the Southeast US, Ameris Bank has updated its mortgage underwriting guidelines to accommodate borrowers with significant digital asset holdings, aligning with FHFA guidance allowing crypto reserves for conforming loans.