Here are the 10-K annual reports from LendingClub Corporation (LC) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow LC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full LC filings page.
LendingClub Corporation is a nationally chartered digital bank focused on “motivated middle” U.S. consumers, offering unsecured personal loans, major purchase financing, auto refinance, and FDIC-insured deposit products such as high-yield savings, checking, and CDs. Its branchless, mobile-first model combines a loan marketplace with a bank balance sheet to generate both fee income and net interest income.
The company highlights competitive advantages in proprietary data and machine-learning underwriting, a low-cost deposit base, and a large, returning member base. Since 2006, more than five million people have become members and over $100 billion of loans have been originated through its platform. As of June 30, 2025, non-affiliate equity market value was $1.21 billion, and as of January 30, 2026, 115,180,598 common shares were outstanding.
The filing details extensive regulatory oversight as a bank holding company and national bank, evolving consumer and prudential rules, and key risks including interest-rate and macroeconomic conditions, marketplace investor demand, credit performance, and potential new policies such as proposed interest-rate caps.