2026-01-17 19:43:20

Major US Mortgage Lender to Accept Crypto Holdings in Loan Applications

Newrez, one of the largest mortgage lenders in the United States, is moving to formally recognize cryptocurrency holdings as qualifying assets in its mortgage approval process. This marks a notable shift in how traditional financial institutions view digital asset portfolios.

The decision reflects growing institutional acceptance of crypto as a legitimate store of value. Borrowers may now use their cryptocurrency holdings as part of their net worth calculations when applying for mortgages, provided the assets meet certain valuation and liquidity requirements.

This development signals that the gap between traditional finance and the crypto ecosystem continues to narrow. As more lenders adopt similar policies, crypto holders gain additional financial flexibility—turning previously overlooked digital assets into tangible collateral for major life purchases.

The move also underscores how regulatory clarity and mainstream adoption are reshaping lending frameworks across the financial sector.

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OnchainDetective

· 7h ago

Haha, traditional finance really can't sit still now. Newrez's move was quite calculated. --- Alright, finally an institution is willing to take our bags seriously. Before, telling banks we hold crypto was like speaking Martian. --- But the key issue is still liquidity requirements. Their picky attitude hasn't changed, so don't celebrate too early. --- cryptobros, are you panicking? Our assets can finally be used openly and legitimately. So touching. --- Mainstream adoption is accelerating rapidly. This is more solid than any good news. --- Wait, does this mean mortgage lenders will also have to study candlestick charts in the future? Haha. --- Basically, institutions also want a piece of the pie. Is this real adoption or just a show? --- Traditional finance is bowing to crypto. The times are changing, everyone. --- A bunch of prerequisites, it still doesn't seem that simple. --- Holders are ecstatic. No need to sell coins to buy a house anymore, everyone.

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HashBard

· 7h ago

wait so we're actually watching the narrative shift in real time... trad finance finally admitting our bags have substance? the irony of needing their permission to use our own assets lmao

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DoomCanister

· 7h ago

Finally! Traditional finance has also bowed down, our coins are no longer "virtual waste paper" haha This move by traditional banks feels a bit like a comeback... they completely didn't recognize it before, but now they want to join the party Hodl for so long finally has a use... when I buy a house next time, holding a few BTC will really come in handy Honestly, my first reaction when this news came out was... could it be another bluff, wait until the hype dies down and then change the story The institutions are really craving our returns... are they serious? Is this a signal to cut the leeks again... every time mainstream acceptance happens, I feel a bit uneasy

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PonziWhisperer

· 8h ago

Finally, the day has arrived. Traditional finance is really starting to lower its stance. Banks no longer see our coins as trash, this is true real turnaround. Newrez's move was brilliantly played, a bunch of follow-ups will definitely follow. Is the spring for coin holders here? But it still depends on how the valuation standards are set... This is the beginning of mainstream adoption. Anyway, my ETH is now worth much more. Why didn't we do this earlier? Now I can finally use coins as collateral. Cryptocurrency and traditional finance are mutually redeeming each other, it’s quite satisfying to watch.

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