Lender Comparison
Milo vs Figure
Side-by-side comparison of rates, custody models, and loan terms. Data verified May 16, 2026.
| Milo | Figure | |
|---|---|---|
| APR (min) | 7% | 9.76% |
| APR (max) | 8.5% | 12.36% |
| Max LTV | 100% | 75% |
| Min loan | — | — |
| Max loan | No stated max | No stated max |
| Custody model | qualified custodian | qualified custodian |
| Rehypothecation | No | No |
| Funding speed | — | — |
| States | — | — |
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 →Figure
Publicly traded on Nasdaq (FIGR; $7.6B IPO Sept 2025). Decentralized MPC custody via Figure Markets. No credit check on the crypto-backed loan. Also offers a HELOC product where BTC can be posted in escrow alongside home equity.
Full Figure review →Compare all 15 lenders
Filter by loan amount, BTC holdings, state, and custody preference.
Open comparison tool →borrowonbitcoin.com is a comparison publisher, not a lender or financial advisor. Data verified weekly. Full disclosures.