How to Export Exchange Statements for Mortgage Applications

As cryptocurrency becomes a more accepted part of the mortgage process, providing clear and accurate documentation of your digital assets is essential. One of the most important steps is exporting your crypto exchange statements, which lenders use to verify your holdings, transaction history, and account details. This article provides a comprehensive guide to exporting exchange statements for mortgage applications, including step-by-step instructions for major exchanges, what to include, and best practices for a smooth approval process.

Why Exchange Statements Matter for Mortgages

Lenders require official documentation to verify your crypto assets, assess your financial stability, and ensure compliance with regulatory standards. Exchange statements provide:

• Proof of Ownership: Statements show your name, account number, and the assets held in your account.
• Transaction History: Lenders review your deposits, withdrawals, and trades to verify the source and movement of funds.
• Current Balances: Up-to-date balances help lenders assess your reserves and eligibility for a mortgage.

How to Export Statements from Major Crypto Exchanges

Below are step-by-step instructions for exporting statements from some of the most popular exchanges. Always check your lender’s requirements for preferred formats (PDF, CSV) and date ranges.

Coinbase

1. Log in to your Coinbase account.
2. Navigate to Reports in the main menu.
3. Click Generate Report or Generate Statement.
4. Select the desired date range and account(s).
5. Choose the format (PDF or CSV) and click Download.
6. Ensure your name, account number, and all relevant transactions are included.

Kraken

1. Log in to your Kraken account.
2. Go to History > Export.
3. Select the type of report (e.g., Ledger, Trades, Deposits/Withdrawals).
4. Set the date range required by your lender.
5. Choose the format (CSV or PDF) and click Export.
6. Review the file to confirm all necessary information is present.

Gemini

1. Log in to your Gemini account.
2. Navigate to the Statements section under your account settings.
3. Select the statement type (e.g., Account, Trades, Transfers).
4. Specify the date range and download the statement in PDF or CSV format.
5. Check that your name, account number, and transaction history are included.

Other Exchanges

• Most major exchanges offer similar export features. Look for sections labeled Reports, Statements, or History in your account dashboard.
• If you have trouble finding the export option, consult the exchange’s help center or customer support.

What to Include in Your Exported Statements

Lenders typically require the following information:

• Account Holder Name and Account Number: Ensure your statements clearly show your identity and account details.
• Transaction History: Include all relevant deposits, withdrawals, and trades for the required period (often 30, 60, or 90 days).
• Current Balances: Up-to-date balances for each asset held in your account.
• Date Range: Statements should cover the period specified by your lender, usually leading up to your mortgage application.

Best Practices for Exporting and Submitting Statements

• Double-Check for Accuracy: Review your statements to ensure all information is correct and complete. Missing or incorrect data can delay your application.
• Export in the Required Format: Most lenders accept PDF or CSV files. Confirm your lender’s preference before exporting.
• Keep Copies for Your Records: Save digital and/or printed copies of all statements submitted to your lender.
• Organize by Date and Account: If you use multiple exchanges, provide a summary sheet and organize statements by date and account for easy review.
• Be Prepared for Follow-Up: Lenders may request additional documentation or clarification. Respond promptly to keep your application moving forward.

Common Questions About Exporting Exchange Statements

Q: What if my exchange doesn’t show my name on the statement? A: Some exchanges do not display the account holder’s name by default. Contact customer support to request a personalized statement or additional verification.

Q: How far back should my statements go? A: Lenders typically require 30, 60, or 90 days of transaction history. Check with your lender for their specific requirements.

Q: Can I use screenshots instead of official statements? A: Official statements are preferred. Screenshots may be accepted in some cases, but always confirm with your lender.

The Bottom Line

Properly exported and organized exchange statements are essential for a smooth mortgage approval process. By following these steps and best practices, you can provide clear, verifiable documentation of your crypto assets and improve your chances of securing a home loan.