Quontic Bank (Non-QM Mortgage)

Bitcoin Mortgages

Quontic is an FDIC-insured community development bank headquartered in New York that specializes in non-qualified (non-QM) mortgages for borrowers with non-traditional income — including self-employed individuals, immigrants, and ITIN borrowers. Quontic uses asset-utilization underwriting, meaning Bitcoin and crypto holdings documented in statements can support loan qualification under asset depletion guidelines. Note: Quontic also operates a separate Bitcoin Rewards Checking Account (1.5% BTC cashback on debit purchases via NYDIG), but no dedicated Bitcoin Rewards Mortgage product has been confirmed.

Details

Lender: Quontic Bank
Founded: 2009
Ltv Max: standard mortgage LTV (up to 80-95%)
Notable: Quontic Bank accepts Bitcoin income for mortgage qualification; Non-QM lender known for flexible income documentation
Loan Type: Non-QM mortgage accepting crypto income verification
Annual Fee: $0
Bitcoin Only: No
Jurisdiction: United States
Mortgage Type: Bitcoin Rewards (earn BTC on payments)
Mortgage Types: Non-QM,Bank Statement,ITIN,Asset Utilization,Foreign National
Bitcoin Rewards: Yes
States Available: Select US states
Actual Bitcoin Product: Bitcoin Rewards Checking Account (1.5% BTC cashback on debit, via NYDIG)
Bitcoin Rewards Mortgage Status: UNCONFIRMED — no evidence this product exists

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