Is District Lending Legit?

What You Need to Know About District Lending…

Brian Reese
5 min readMar 19, 2023

In this post, I’ll answer the question: “Is District Lending Legit?”

Yes, District Lending is 100% legit, having closed thousands of loans at great rates for homebuyers and refinancers since 2019.

We’ll also explore why District Lending exists and how it helps customers buy their dream home for less.

Okay, let’s begin.

Why Does District Lending Exist?

District Lending is on a mission to disrupt the traditional mortgage industry. Buying a home can be incredibly frustrating so we decided to make it EASY through our technology and exceptional customer service!

Lower rates. Zero lender fees. As a mortgage broker, we work with over 90 banks on your behalf. This means that consumers have more options to choose from, making it easier to find the best possible loan and rate. What makes us different is that we’re able to offer great low rates to consumers every single day (we have very low overhead with no layers of overpaid middle management).

We’re extremely fast to close, but never cut corners. We’ve engineered our process to close a loan in as little as 10 days. We also monitor our competitors’ rates and always make sure ours are lower.

What States is District Lending Licensed In?

In order to own and operate an online mortgage company, you must first be licensed in various states.

District Lending is currently licensed in Arizona, California, Colorado, Florida, Georgia, Idaho, Oregon, Texas.

However, it will be licensed in many more states very soon.

Where Can I See Some District Lending Reviews?

District Lending is proud to maintain a Google Review rating of 4.8/5.0 and a Yelp Review rating of 4.5/5.0.

Finally, District Lending maintains a 4.9/5.0 rating on BirdEye.

Here’s a few recent District Lending reviews:

“Josh and his team have been amazing with their continuing contact, ease of communication, and help. We had a difficult situation in getting a loan in that our house wasn’t finished at the time of application. Josh kept in contact through the whole possess and even arranged for a lower rate than originally quoted (during a time when rates were going up). I highly recommend them.”

- Thomas S.

“Words fall short in expressing how grateful and satisfied we are with District Lending. James was very helpful and true to his word, Very responsive, easy to work with, very professional, polite and efficient. They locked us in on a fantastic interest rate and the whole process was smooth and easy. Working with them has been incredibly easy and thorough. Their communication during the process was excellent. I highly recommend District Lending!”

- Kris R.

“Thanks to everyone from the District lending team for helping us get into our home. We spoke with several folks, and they were all very friendly and helped anytime we had a question. We really got such a good rate!”

- Rosemary H.

“We went with District Lending to buy our home. They provided us the best possible rates we could find and were very helpful and communicative with all of the logistics. I definitely recommend using them!”

- Amelia

“This is an incredible team. They know how to help you get everything together fast, instead of giving you batches of stuff to get together at a time. They are amazing about getting a good rate and fair terms.”

- Kissner B.

Who Owns District Lending?

(L to R) Josh Rapaport and Brian Reese of District Lending

Josh Rapaport and Brian Reese are the co-owners of District Lending.

“After working in the mortgage industry for 20 years, I started District Lending to deliver consumers lower rates and to arm them with the power to make confident financial decisions. That’s also why I’m keen on making the buying and refinancing experience as seamless and stress-free as possible. I value honesty, so I gladly share my rates with consumers right on the website. Our service is transparent, and we prioritize looking out for the client’s best interest.”

- Josh Rapaport, CEO and Co-Owner, District Lending

“I’ve made it my life’s mission to help people live happier and wealthier lives. District Lending brings this mission to life. We believe in integrity, honesty, and transparency, which is why you’ll see our rates right on our website. You’ll find lower rates and zero lending fees, which means you can buy your dream home for less. The savings are passed on to you — the way it should be.”

- Brian Reese, Advisor and Co-Owner, District Lending

About the Author

Brian Reese is an entrepreneur, investor, and bestselling author.

A former active-duty Air Force officer, Brian deployed to Afghanistan in support of Operation Enduring Freedom, where he earned the Defense Meritorious Service Medal for exceptionally meritorious wartime service.

Brian is a distinguished graduate of management of the United States Air Force Academy and earned his MBA as a National Honor Scholar from the Spears School of Business at Oklahoma State University.

DISCLAIMER: Brian Reese is a co-owner of District Lending.



Brian Reese

I help Veterans get the VA disability rating % and compensation $ they deserve.