Beeline Holdings Inc's Business Segments

Beeline Holdings, Inc. operates primarily in the mortgage lending industry through its principal subsidiary, Beeline Financial Holdings, Inc. (Old Beeline or Beeline Financial). The company originates various types of mortgage loans, including qualified mortgage (QM) loans, non-qualified mortgage (Non-QM) loans, and non-conforming loans, which are loans originated outside of Fannie Mae, Freddie Mac, FHA, and VA guidelines. Beeline Holdings offers mortgage-related products and services, including mortgage service rights (MSRs). It also develops technology infrastructure and intellectual property to support its operations, including a product called BeelineEquity. The company is subject to regulatory requirements under laws such as the Dodd-Frank Act, the Truth in Lending Act (TILA), and the Real Estate Settlement Procedures Act (RESPA). Beeline Holdings faces risks related to economic conditions, interest rates, political and regulatory changes, and geopolitical conflicts. It relies on third parties and seeks to maintain and improve its brand and technology in a cost-effective manner. The company’s ability to continue as a going concern depends on its capacity to raise capital and manage working capital and capital expenditures.

The registrant's reportable operating segments consist of Beeline Loans and Beeline Title Holdings. For the year ended December 31, 2025, Beeline Loans generated revenues of $6,391 thousand, and Beeline Title Holdings generated $1,379 thousand, totaling $7,770 thousand. For the year ended December 31, 2024, revenues were $918 thousand for Beeline Loans and $192 thousand for Beeline Title Holdings, totaling $1,110 thousand. Nimble Title Holdings, LLC and its subsidiaries were dissolved on November 25, 2025. Their assets and liabilities were classified as held for sale as of December 31, 2024, and their operating results were reported as discontinued operations for the years ended December 31, 2025 and 2024.