Vast Bank (Bitcoin Mortgage Qualification)
Bitcoin Mortgages
Vast Bank is a federally chartered US bank headquartered in Tulsa, Oklahoma that pioneered direct Bitcoin banking services for retail customers in 2021 — the first US bank to offer buying, selling, and custodying Bitcoin through a standard bank account. Vast Bank accepts Bitcoin holdings as part of the asset verification process for mortgage qualification, allowing Bitcoin-wealthy customers to leverage their holdings as evidence of financial strength for home loans.
Details
- Type
- bitcoin_asset_qualification
- Notable
- First federally chartered US bank to offer direct Bitcoin accounts (2021)
- Jurisdiction
- USA
- Bank Licensed
- Yes
- Bitcoin Banking
- Yes
- Federally Chartered
- Yes
Links
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.
Free Beginners Guide to Buying Bitcoin
New to Bitcoin? Get our complete beginner's guide.