# Lenders Begin Recognizing Crypto Assets in Loan Approval Process

*Author: Jack Inabinet*
*Published: Jan 15, 2026*
*Source: https://www.bankless.com/read/news/lenders-begin-recognizing-crypto-assets-in-loan-approval-process*

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Newrez – a top five mortgage lender and servicer – announced today that it will begin recognizing crypto assets during the home loan underwriting process starting this February, making it the first mortgage provider among the top 25 lenders in America to do so.

### What's the Scoop?
- **Empowering Consumers: **By including crypto assets in net worth calculations, Newrez will empower more consumers to qualify for larger home loans using digital assets for asset verification and income estimation without the need to liquidate their holdings.
- **Policy Change: ** U.S. Director of Federal Housing William Pulte** **[ordered ](https://www.bankless.com/read/regulator-orders-fannie-mae-freddie-mac-to-count-crypto-as-mortgage-asset)government-sponsored mortgage securitizers Fannie Mae and Freddie Mac to recognize cryptocurrencies as assets in their loan calculations in June.
- **Imminent Launch:** Newrez is on track to become the first major lender to include crypto holdings in its lending calculations, with an imminent rollout of the functionality slated for this February.

> Newrez First Major Lender to Recognize Crypto Assets in Mortgage Origination [https://t.co/kxX85zo7Pf](https://t.co/kxX85zo7Pf) via [@FT](https://twitter.com/FT?ref_src=twsrc%5Etfw)— InMortgageFinance (@IMFpubs) [January 15, 2026](https://twitter.com/IMFpubs/status/2011808366339788904?ref_src=twsrc%5Etfw)