The Federal Housing Finance Agency (FHFA) is poised to investigate the potential impact of cryptocurrency holdings on mortgage qualification criteria, as indicated by its director, Bill Pulte.
Key developments include:
The FHFA is evaluating the role that cryptocurrency assets may play in determining eligibility for mortgages.
Director Bill Pulte, an outspoken advocate for cryptocurrency, has substantial investments in both Bitcoin and Solana.
There is a notable uptick in Bitcoin’s adoption at both federal and state levels across the United States.
“We will study the usage of cryptocurrency holdings as it relates to qualifying for mortgages,” Pulte stated on X earlier this week.
While details on how this initiative might be implemented remain unspecified, it represents a significant pivot for the agency tasked with regulating key entities such as Fannie Mae, Freddie Mac, and the Federal Home Loan Banks.
FHFA’s Evolving Role in the Housing Market
Established in the wake of the 2008 financial crisis, the FHFA has concentrated on reducing risks and ensuring liquidity within the housing market.
Now, it stands at the forefront of potentially becoming one of the first federal housing agencies to incorporate digital assets into its mortgage lending frameworks.
Bill Pulte, who took on the role of director in March after being nominated by former President Donald Trump, brings a distinguished background to the position.
He is the founder of Pulte Capital Partners and the grandson of William Pulte, founder of Pulte Homes, which ranks as the third-largest homebuilder in the country.
Smart
— Anthony Pompliano (@APompliano) June 24, 2025
Pulte has consistently vocalized his support for cryptocurrencies. Financial disclosures from earlier this year revealed his holdings in Bitcoin and Solana fall within the range of $500,001 to $1 million each.
In addition to his cryptocurrency investments, Pulte’s portfolio includes shares in Marathon Digital (MARA), a major player in the bitcoin mining industry, as well as stakes in companies like GameStop, Bed Bath & Beyond, and Tesla, along with ventures linked to YouTube figure MrBeast.
Beginning his foray into cryptocurrency in 2019, Pulte publicly revealed his purchase of 11 BTC and committed to sharing cryptocurrency with followers on his social media platforms.
His enthusiasm for digital currencies appears to extend beyond personal investments, potentially shaping national policy discussions.
Growing Adoption of Bitcoin Across States
Across the United States, the adoption of Bitcoin is gaining traction at both federal and state levels.
Recently, Texas emerged as the first state to create a publicly funded Bitcoin reserve, following the passage of Senate Bill 21, which was signed into law by Governor Greg Abbott.
This reserve, under the management of State Comptroller Glenn Hegar, is designed to operate independently of the state treasury, distinguishing it from earlier proposals in Arizona and New Hampshire that were linked to current government funds.
On the federal side, President Donald Trump enacted an executive order to establish a national strategic Bitcoin reserve, underscoring growing institutional interest in the cryptocurrency.
While Texas continues to advance its Bitcoin initiative, other states have adopted a more cautious approach. Florida, Arizona, and several others have recently abandoned or rejected crypto-related legislation, citing concerns about market vulnerabilities and the unpredictable future of digital currencies.
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