No, "in the process of lending" is one of the loan application states, which means that the lending institution has passed the examination and agreed to lend money to the borrower. But it does not mean that the loan has been successful. Before making a loan, the lending institution needs to conduct a final review and evaluation to ensure that the borrower has the ability to repay the loan on time. If the borrower's credit rating is low, his income is unstable or there are other risk factors, the lending institution may refuse to lend money, even if the status shows "Lending".