A Very
Earnest 2015

Although it was only 365 days (give or take a few hours), the past year was momentous in many ways. A new office, a fleet of new faces, and more than a few late nights building a product to be proud of—2015 was a year to remember.

➀ Our Incredible Clients

Buyers,
Bloomington,
Bootcamps &
Brunch

We work tirelessly towards a single mission: helping our clients take control of their finances. In 2015, that translated into way more discretionary income—and a whole bunch of brunches.

320,991


Uber & Lyft rides taken by clients

280,148
Transactions on Amazon

17%
Average percentage of applicants’ paychecks spent on rent

$1,046,821


Amount spent on Netflix subscriptions

10,497

Cities & towns where Earnest applicants come from

78 Client applicants from Bloomington, IN

Bloomington, IN

$8 Billion in student loan refinance applications started

Do it.

This button is real.

Zip

Nothing

Clients who are late on their student loan refinance payments

Nada

None

Zilch

325
Clients who paid off their
loans in 2015

88,650
Days spent learning
in coding bootcamps

$23,641,199
Student debt paid off by clients

873 Happy hour and brunch bonuses

94%
Of clients setting their own terms to match their budget

$17,936

Average savings with Earnest

$4 Million saved with Precision Pricing

$244 Average extra monthly cash flow after refinancing

➁ Life at Earnest

Code, Calls,
& Color Runs

While technology may be the core of our company, human connection is essential at Earnest. Whether it’s calls with our Client Happiness team, community events, or welcoming new teammates, we stay close to what matters.

156

Number of new employees in 2015 (up from 32 in 2014)

10,769 Job applications

NINE
New hoodies and tees designed in 2015

SIX
Different SF office spaces occupied by Earnies in 2015

527
Rounds of musical desks as Earnest grew

50 Wednesday night team dinners

37%
Earnies who have the same name as at least one other person at Earnest

A bunch of Earnies

13,734 La Croix cans emptied by thirsty Earnies

Hej!

Ní hao!

¡Hola!

21 Languages spoken at Earnest

15 Number of countries Earnies come from

231,000

Steps taken by Earnies in San Francisco's Color Run

Two words that rhyme with Earnest.

(sternest and internist)

Earnies @ San Francisco Color Run

552
Square feet of wrapping paper for holiday presents

23,141

Calls answered by our Client Happiness team

73
Number of days on the phone all those calls add up to (1771h 58m 19s)

29,012 Interactions on social media

#OMGearnestisawesome

The Client Happiness team

You may have spoken to Aldren.

Boop

Beep

Boop

15,816

Beep

Github Commits

216 Days we've deployed new code to production

265,000 Slack messages

Beep

Boop

8 Billion +
Data points used for loan decisions

6,075
Tasks completed by engineering

➂ On to 2016

... And That Was Just Year 2 of 100

Just wait and see what our clients
(and we) have in store for 2016.

Watch out 2016, here we come!

Help us build the modern bank for the next generation.