Lender Comparison
Milo vs Better
Side-by-side comparison of rates, custody models, and loan terms.
Rate data verified May 15, 2026 · Updated weekly
Milo and Better side by side
| Milo | Better | |
|---|---|---|
| APR (min) | 7% | By consultation |
| APR (max) | 8.5% | — |
| Max LTV | 100% | 97% |
| Min loan | — | — |
| Max loan | No stated max | No stated max |
| Custody model | qualified custodian | qualified custodian |
| Rehypothecation | No | No |
| Funding speed | — | — |
| States | — | — |
Key differences
Milo publishes fixed rates; Better quotes by consultation, typical of lenders serving larger or more complex borrowers.
About each lender
Milo
Operating since 2018; first crypto mortgage 2022. $100M+ originated including a record $12M single transaction (Feb 2026). Coinbase or BitGo qualified custody with self-custody option. Foreign nationals are a core market.
Full Milo review →Better
First Fannie Mae-conforming crypto-backed mortgage, launched March 26, 2026 by Better in partnership with Coinbase. Standard Fannie Mae conforming first mortgage + BTC-pledged second loan funds the down payment. All 50 states. No-margin-call structure.
Full Better review →Compare all 15 lenders
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