# LendingClub (Happen Bank, N.A.) > LendingClub is a US consumer-finance company and digital bank, founded in 2006 as a > peer-to-peer marketplace lender and now a national bank after its 2021 acquisition of > Radius Bancorp. In 2026 it rebranded as Happen Bank, N.A. and moved its web presence > from lendingclub.com to happen.com. It does not currently operate a public developer > program: as of 2026-09-06 there is no developer portal, no API reference, no OpenAPI > description, no SDK, and no event or webhook surface published anywhere. The API it > still markets — "API-driven purchasing" inside Marketplace Connect — is reachable only > through an institutional contact-sales form. > > Generated by API Evangelist on 2026-09-06 from probes of the provider's own hosts. > Nothing below is inferred; every claim has a fetched URL and a status code behind it in > the artifacts linked at the end. ## Status - No public API documentation, developer portal, or API reference is published. - No OpenAPI, AsyncAPI, GraphQL SDL, Protobuf or WSDL specification is available anywhere. - No first-party SDK, CLI, MCP server, A2A agent card, or Agent Skill is published. - No `.well-known` document is served on any host. Both marketing domains redirect every `/.well-known/*` path into the Next.js homepage, which answers HTTP 200 with the homepage payload — a soft-404, not a document. - No status page, changelog, deprecation policy, SLA, bug bounty or trust center. - No published API plans, quotas or rate limits. - `https://api.lendingclub.com` is still live: `/api/investor/v1/accounts/1/summary` answers HTTP 401 and `/api/investor/v1/loans/listing` answers HTTP 403. The host is gated, not gone — but it is undocumented and closed to new consumers. ## What was withdrawn, and when Three separate public API documentation trees were served under lendingclub.com and all now return a hard HTTP 404 on both the old and the new domain: - `/developers/api-overview`, `/developers/api-faq`, `/developers/considerations`, `/developers/my-api-settings` — the retail Investor API developer program. Last archived 200: 2026-03-13. - `/institutional-investing/lcxpm-api` — LendingClub Primary Market (LCX PM) Select Auction REST API, documented in beta for approved institutional investors. Last archived 200: 2026-06-08. - `/institutional-investing/lcxsm-api` — LendingClub Secondary Market (LCX SM) client-to-client REST API. Last archived 200: 2026-04-11. The retail Notes marketplace the Investor API served was retired in December 2020. The documentation withdrawal is far more recent, and coincides with the Happen Bank rebrand. ## Company - [Happen Bank home](https://www.happen.com/): Consumer banking and lending products. - [About us](https://www.happen.com/company/about-us): Company background. - [Help Center](https://www.happen.com/help): Customer support knowledge base. - [Contact](https://www.happen.com/company/contact): Support and contact channels. - [Institutional investing](https://www.happen.com/institutional-investing/overview): Marketplace Connect — where "API-driven purchasing" is marketed, without a reference. - [Institutions and banks contact](https://www.happen.com/company/contact/institutions-and-banks): The sales gate that stands in for API documentation. - [Resource Center](https://www.happen.com/resource-center): Personal finance and institutional investing articles. - [Investor relations](https://www.happen.com/company/contact/investor-relations): Corporate investor contact. - [Sign in](https://www.happen.com/loans/landing/login): Member login. - [Careers](https://www.happen.com/company/careers): Job openings. ## Legal - [Terms of Use](https://www.happen.com/legal/terms-of-use) - [Privacy Policy](https://www.happen.com/legal/privacy-policy) - [Online Security](https://www.happen.com/legal/deposits/online-security): Consumer fraud guidance. Not a vulnerability disclosure policy; the only contact given is customer service. ## Code - [GitHub organization](https://github.com/LendingClub): Four public repositories of internal Java tooling and upstream forks (gradle-maven-plugin, breeze-http-client, docker-java, neo4j-java-driver). None is a client library for a LendingClub API; last push 2021-09-24. - No first-party package exists on npm, PyPI, RubyGems or any other registry. The five packages that wrap a LendingClub API are all third-party wrappers of the retired Investor API, published between 2015 and 2024. ## Agent posture - [robots.txt](https://www.happen.com/robots.txt): GPTBot, ClaudeBot, PerplexityBot, Google-Extended, Applebot-Extended, cohere-ai and anthropic-ai each receive the same Allow/Disallow block as the wildcard agent. No AI agent is singled out for exclusion; `/api/` is disallowed for all crawlers. - `https://www.happen.com/llms.txt` returns HTTP 404 — this file is written by API Evangelist, not published by the provider. ## API Evangelist artifacts - [apis.yml](https://raw.githubusercontent.com/api-evangelist/lendingclub/refs/heads/main/apis.yml): APIs.json profile for this provider. - [Lifecycle record](https://raw.githubusercontent.com/api-evangelist/lendingclub/refs/heads/main/lifecycle/lendingclub-lifecycle.yml): Rebrand, retired developer program and LCX documentation, legacy API probe evidence. - [Well-known probe](https://raw.githubusercontent.com/api-evangelist/lendingclub/refs/heads/main/well-known/lendingclub-well-known.yml): Discovery-endpoint probe results across six hosts, with a soft-404 control probe. - [Packages](https://raw.githubusercontent.com/api-evangelist/lendingclub/refs/heads/main/packages/lendingclub-packages.yml): Registry census — zero first-party client libraries. - [Plans](https://raw.githubusercontent.com/api-evangelist/lendingclub/refs/heads/main/plans/lendingclub-plans-pricing.yml): No published API plans or pricing. - [Rate limits](https://raw.githubusercontent.com/api-evangelist/lendingclub/refs/heads/main/rate-limits/lendingclub-rate-limits.yml): No published limits or rate-limit headers. - [Domain security](https://raw.githubusercontent.com/api-evangelist/lendingclub/refs/heads/main/security/lendingclub-domain-security.yml): TLS, HSTS, DNSSEC, CAA, SPF and DMARC probe results.