Happen Bank, founded as LendingClub in 2006, is built for the Motivated Middle: high-FICO, high-income, digitally savvy consumers actively managing their financial lives. We offer smart, transparent, and trusted products that make it fast and easy to make financial progress. Our success is fueled by our advanced credit underwriting, proprietary technology platform engineered for innovation, and marketplace bank model that drives value for members, loan investors, and shareholders alike. The result is affordable credit, meaningful value, and a trusted banking relationship — delivered consistently and profitably at scale.