Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-39412 FATHOM HOLDINGS INC. (Exact name of Registrant as specified in its Charter) North Carolina 82-1518164 (State or other jurisdiction of incorporation ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-39412 FATHOM HOLDINGS INC. (Exact name of Registrant as specified in its Charter) North Carolina 82-1518164 (State or other jurisdiction of incorporation or 20 ...

Company Growth and Acquisitions - As of March 31, 2022, the company had 9,006 agents, representing a 49% increase from 6,045 agents in the same period of 2021[100] - The company completed the acquisition of Cornerstone in January 2022, aimed at expanding its reach in the Washington DC market[86] - Other service revenue surged by 1,132% to $6,038,000, attributed to acquisitions of Verus, E4:9, and LiveBy[119] Financial Performance - For the three months ended March 31, 2022, total revenue increased by 81% to $90,082,000 compared to $49,646,000 for the same period in 2021[118] - Gross commission income rose by 71% to $84,044,000, driven by a 47% increase in transaction volume and a 24% increase in average revenue per transaction[118] - Total operating expenses increased by 80% to $95,717,000, with significant rises in commission and agent-related costs (71% increase) and technology and development expenses (283% increase)[120] Expenses and Costs - The company expects commission and other agent-related costs to rise in proportion to the anticipated growth in operations[111] - The company’s technology and development expenses include personnel costs and amortization of capitalized software, which are expected to increase with ongoing development[113] - General and administrative expenses rose by 87% to $10,854,000, primarily due to recent acquisitions and increased stock compensation expenses[122] - Marketing expenses increased by 189% to $1,163,000, reflecting expansion into new regions and promotion of newly acquired businesses[123] Cash Flow and Liquidity - As of March 31, 2022, cash totaled approximately $30,500,000, a decrease of $7,300,000 from December 31, 2021[126] - Net cash provided by operating activities was $1,641,000 for the three months ended March 31, 2022, compared to a net cash used of $981,000 in the same period in 2021[128] - The company anticipates that existing cash balances and future cash flows will be sufficient to meet operating requirements for at least the next twelve months[126] Accounting and Valuation - The estimated fair value of net assets acquired during the three months ended March 31, 2022, involved significant management judgments and estimates, particularly in determining future revenues and costs[141] - The valuation of acquired businesses relies on assumptions believed to be reasonable at the acquisition date, with potential adjustments allowed within one year based on changes in circumstances[142] - Management's assumptions for fair value measurements are based on historical business knowledge and projected financial information, which may vary significantly due to external factors[141] Regulatory and Reporting Status - The company has irrevocably elected not to take advantage of the extended transition period under the JOBS Act, committing to adopt new accounting standards as required for public companies[144] - The company remains classified as an emerging growth company until it meets specific revenue or market value thresholds, including total annual gross revenues of at least $1.07 billion[145] - The company is not required to provide certain disclosures about market risk as a smaller reporting company[146]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-39412 FATHOM HOLDINGS INC. (Exact name of Registrant as specified in its Charter) | North Carolina | 82-1518164 | | --- | --- | | (State or other jurisdiction of | ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended September 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-39412 FATHOM HOLDINGS INC. (Exact name of Registrant as specified in its Charter) North Carolina 82-1518164 (I.R.S. Employer Identification No.) (State or ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-39412 FATHOM HOLDINGS INC. (Exact name of Registrant as specified in its Charter) North Carolina 82-1518164 (State or other jurisdiction of incorporation or or ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2021 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-39412 FATHOM HOLDINGS INC. (Exact name of Registrant as specified in its Charter) | North Carolina | | | --- | --- | | | 82-1518164 | (State or other jurisdiction of incorporat ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K Commission File Number 001-39412 FATHOM HOLDINGS INC. x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Exact name of Registrant as specified in its Charter) For the Fiscal Year Ended December 31, 2020 North Carolina 82-1518164 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (State or other jurisdiction of incorporation or organization) (I.R.S. Em ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended: September 30, 2020 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-39412 FATHOM HOLDINGS INC. (Exact name of registrant as specified in its charter) North Carolina 82-1518164 (State or other j ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended: June 30, 2020 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-39412 FATHOM HOLDINGS INC. (Exact name of registrant as specified in its charter) North Carolina 82-1518164 (State or other jurisdiction of (I.R.S. Employer incorpo ...