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IRVINE, CA — LendAPI, the leading provider of cloud-based digital banking and lending infrastructure, proudly announces it has officially crossed the milestone of 100 million credit applications processed through its platform. This achievement follows a historic surge in late 2025, where the platform reached a record-breaking peak transaction volume of 15 million applications per month.
As LendAPI enters 2026, the company is embarking on a breakout year, fully flexing its comprehensive ecosystem. The platform has evolved into a powerhouse that bridges the gap between its award-winning Loan Origination System (LOS) and its enterprise-grade Loan Management System (LMS), providing a seamless, end-to-end experience for lenders of all sizes.
Engineering for Excellence: Speed and Sophistication
The journey to 100 million applications was built on a foundation of relentless technical optimization. The LendAPI engineering team has dedicated significant resources to tuning the platform for the utmost response time, ensuring that even the most sophisticated application and credit underwriting processes execute with lightning speed.
"Reaching the 100-million mark is a testament to the dedication our team has toward our partners, ranging from high-growth fintech startups to large-scale global enterprises," said Timothy Li, Co-Founder and CEO of LendAPI. "We have spent an incredible amount of time obsessing over every millisecond of the decisioning engine. We are extremely proud to have the opportunity to work on this platform and provide our clients with the tools they need to succeed in a competitive market."
2026: The Year of the Full-Stack Platform
With its scalability now proven at an elite level, 2026 marks the year LendAPI demonstrates the full depth of its infrastructure. The platform’s ability to handle massive throughput while maintaining complex, multi-tiered underwriting rules has made it the primary choice for lenders who refuse to compromise between speed and precision.
"Our mission has always been to build for the future of finance," added Sam Xia, Co-Founder and CTO of LendAPI. "The robustness and scalability of our platform is proven by our ability to process over 100,000,000 applications in such a remarkably short span of time. We remain committed to providing a secure and highly customizable infrastructure that allows our clients to innovate and grow without technical barriers."
A Proven Record of Growth
The rapid ascent to 100 million applications is a clear testament to the scalability of the LendAPI architecture. By enabling lenders to launch and manage complex financial products in a fraction of the time required by legacy systems, LendAPI has cemented its position as the backbone of modern digital credit.
As the company moves forward into 2026, the focus remains on pushing the boundaries of what a loan core platform can achieve, ensuring that every partner, from the smallest startup to the largest enterprise, can scale with confidence.
About LendAPI
LendAPI is an Irvine, California-based award-winning high-speed digital banking and lending infrastructure provider. As a leading "Bank-in-a-Box" solution, LendAPI offers a comprehensive suite of tools including a digital onboarding platform, a real-time credit decisioning engine, and a robust loan management system. Designed for ease of use and rapid deployment, LendAPI enables fintechs and financial institutions to launch and scale sophisticated lending products in a matter of hours.
For more information, visit www.lendapi.com.
Media Contact:
LendAPI Public Relations