> ## Documentation Index
> Fetch the complete documentation index at: https://portal.itscovered.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Rate Limits

> Rate limiting configuration and best practices for the Lenders API

## Rate Limits

To ensure fair usage and system stability, the Lenders API implements rate limiting on certain endpoints.

### Current Limits

* **Rate**: 100 requests per 60 seconds
* **Scope**: Per partner (each partner has their own limit)

### Rate Limited Endpoints

The following endpoints are subject to rate limiting:

* **[`POST /v1/loans`](/api-reference/endpoint/submit_loan_application)** - Creating loan applications
* **[`GET /v1/loans/{id}`](/api-reference/endpoint/get_loan_application)** - Retrieving loan application details
* **[`PATCH /v1/loans/{id}/shop`](/api-reference/endpoint/shop_loan_application)** - Shopping for loan applications

### What Happens When You Hit the Limit

When you exceed the rate limit, you'll receive a `429 Too Many Requests` response with the message "Rate limit exceeded". The rate limit is enforced per partner, so different partners won't affect each other's limits.

### Best Practices

* Implement exponential backoff when you receive rate limit errors
* Monitor your request patterns to stay within limits
* Consider the timing of your requests to avoid hitting limits during peak usage