Beeline Holdings is a digital-first residential mortgage lender and title services provider focused on borrowers who don't qualify for conventional loans. Beeline's core business is mortgage origination, with roughly 73% of its loan volume in Non-QM loans — products designed for self-employed borrowers, gig workers, real estate investors, and others with non-traditional income. Beeline sells directly to consumers, generating leads primarily through digital advertising, and uses an AI chatbot called Bob to qualify borrowers around the clock. Beeline acts as the lender on roughly 73% of transactions and as a broker on the remainder, routing loans to third-party lenders. After closing, loans are sold to aggregators — Beeline does not service loans. Revenue comes primarily from gain on sale of loans, origination fees, and title fees. Beeline also operates Beeline Title, which handles title insurance and escrow for a majority of its refinance originations and for third-party lenders. Beyond its core mortgage and title businesses, Beeline is developing BeelineEquity, a fractional home equity product that lets homeowners monetize equity without taking on debt; BlinkQC, a SaaS quality control tool for mortgage loan files that Beeline plans to license to third-party lenders; and holds a minority stake in MagicBlocks, an AI sales tool platform that powers Bob. Beeline's business model is sensitive to interest rates, as lower rates drive refinance volume, which currently represents 70% of its origination mix.