Anchor Lending Spam Calls & Robocalls: Legit or Scam? (2026)

Updated October 13, 2026: the "Anchor Lending" robocall wave has faded, and the page now says where it stands. The FCC's open complaint data shows 363 unwanted-call complaints that give one callback number tied to the "Anchor Lending" voicemails, 287 of them in August 2026 and 8 in September, while FCC unwanted-call complaints overall kept rising. We found no regulator warning and no court case against "Anchor Path Lending", and one unproven phone-call suit against the real lender, Anchor Loans, LP. See Where it stands and what callers are not allowed to do.

Where it stands (as of October 13, 2026)

The news around "Anchor Lending" robocalls has faded, and the one public record that counts calls shows the same thing. The FCC publishes every informal unwanted-call complaint as open data. It has no field for a company name, but it records the telephone number the consumer says the advertiser gave during the call. The callback number in the BBB Scam Tracker report quoted above, (369) 216-6437, appears in 363 complaints, first filed July 28, 2026 and last filed October 2, 2026:

Read it carefully. The collapse is specific to that number, not to robocalls in general: complaints of every kind about unwanted calls kept rising over the same months. Of the 363, 347 describe a prerecorded voice, 12 a live voice and 4 a text message; the most complaints came from California (81), Florida (63), North Carolina (48), New Jersey (33) and Arizona (20). The FCC says it "does not verify the facts alleged in these complaints," and the data does not name the caller, so this shows that one number drew a very large number of complaints, mostly in August, not who owned it. Callers rotate numbers: neither of the other two numbers in this page's sources, 888-855-4443 and 762-842-6907, has a single FCC complaint under either phone field. A quiet number is not a closed case.

What we looked for and did not find, as of October 13, 2026:

• A regulator or state attorney general warning naming "Anchor Lending" or "Anchor Path Lending": none turned up in our searches.
• A court case against "Anchor Path Lending": a search of the federal docket database CourtListener for that exact name returned no results.
• A licence check: we could not run one. NMLS Consumer Access refused our automated request (HTTP 403), so we have not verified whether any "Anchor Lending" or "Path Lending" entity is licensed. You can run the search yourself at nmlsconsumeraccess.org. A name that does not appear there is a reason for caution, not proof of anything.
• A newer BBB count: the BBB profile also blocked our request, so the eight unanswered complaints on Anchor PathLending are still the September 12, 2026 figure.

The one court fact, and what it does and does not mean. On October 1, 2026 a consumer filed a suit in the Central District of California, No. 5:26-cv-05800, against Anchor Loans, LP, the real lender. The court record classifies it under 47 U.S.C. 227, the federal phone-call statute, and lists three entries through October 7, 2026: the complaint, a notice of interested parties and a summons issued. We have not read the complaint; it is an allegation, nothing has been decided, and it does not concern the "Anchor Path Lending" name. It does mean we cannot honestly say that the real lender has never called anyone, only that its business model gives it no reason to cold-call consumers about personal loans and that the evidence in this page points to a different caller.

What to watch next. There is no scheduled date we can cite. The next dated facts will be (1) the first response filed by the defendant on the docket of No. 5:26-cv-05800, (2) any new entry on Anchor Loans' own impersonation page, whose only entry is still the one reported July 2026, and (3) whether new callback numbers start collecting FCC complaints. We will update this page when any of them happens.

Why this page exists, including the part that is our fault

For months this site has ranked on page one for "is anchor lending legit," "anchor lending reviews" and "anchor lending scam." Our answer, on a page titled Anchor Loans Review 2026: Is Anchor Lending Legit?, was a confident yes: founded 1998, $22 billion lent, Pretium-owned, the longest-tenured fix-and-flip lender in the country. Every word of that is true about Anchor Loans.

It is the wrong answer to give someone who is searching because their phone rang.

Those three queries have a combined footprint of roughly 3,500 impressions a month on our pages, and the words people actually type, scam, legit, reviews, are the vocabulary of somebody checking out a caller, not of a property investor comparing bridge-loan pricing. A property investor searches "anchor loans rates" or "anchor loans requirements." Someone types "anchor lending scam" after being told they have been approved for a loan they never applied for.

So this page is the answer to the question those people are actually asking, and we have rewritten the Anchor Loans review to send them here rather than reassure them about a company that has nothing to do with the call.

Three different Anchors

And there is a fourth category worth stating so this page does not smear anybody: "Anchor" is a very common name in American mortgage lending. Anchor Mortgage Services in Montgomery, Alabama; Anchor Home Mortgage in Alpharetta, Georgia; Anchor Mortgage LLC in Charleston, South Carolina; Anchor Financial. These are separate businesses with their own BBB files, and nothing here is about them. The word "Anchor" is not an identity. A licence number and a verified phone number are.

The tell that does not require you to identify the company

Most guidance on this tells you to check licensing, which is correct and also slow, and useless while a stranger is on the line.

There is a faster test, and it works because it turns on structure rather than on names.

Anchor Loans is a business-purpose lender. It lends against investment property to people who flip houses for a living, and if you are not one of them the door is closed to you as a borrower but open on the other side, because the same loans can be bought as an investment rather than taken out as a debt. Its own California page says over 85% of its borrowers are repeat customers. That business model has a specific consequence: its borrowers find it. A firm whose customer is a professional investor placing a six-figure bridge loan does not generate deal flow by robodialling members of the public about $45,000 of "personal use" money. The two activities do not share a customer, a product, a regulator or a marketing channel.

So:

• If the contact came to you, unsolicited, about a consumer loan, whatever it called itself, it is not the fix-and-flip lender.
• If it references an application you never made, that is the pattern in the June 25 report, and it is a standard opener. It manufactures a reason for you to engage and it flatters you with the idea that you are already approved.
• If at any point you are asked to pay something to release the loan, an insurance fee, a processing fee, a first payment "to establish good faith," that is the advance-fee structure, and it is the scam completing. A real lender's fees come out of the loan. Money should never travel toward the lender before the loan arrives.
• If you are asked for passwords or account credentials, Anchor Loans states in writing that it "will never ask you to provide passwords or account credentials through unsolicited phone calls, emails, or text messages."

What the record actually supports, and what it does not

I want to be exact here, because "scam" is a serious word and the honest version of this is more useful than the loud version.

What is documented. Anchor Loans, a company with a real reputation to protect, took the unusual step of publishing a named impersonation notice about Anchor Path Lending and said it is "actively working with legal counsel, technology providers, domain and communications service providers, and the appropriate authorities." Companies do not name a third party in public lightly. Separately, the BBB has a business file on Anchor PathLending in Arlington, Texas, opened July 3, 2026, carrying an F rating purely for not answering eight complaints (as of September 12, 2026). And two consumers filed Scam Tracker reports, one in June and one in August 2026, describing unsolicited loan robocalls under the "Anchor" name.

What is not documented, at least not by me. I have not found an enforcement action, a regulator's order or a court filing against Anchor Path Lending, and I am not asserting one exists. I read two Scam Tracker reports in full and I am reporting two; the BBB search interface would not return a full count for me, so I cannot tell you whether the real number is nine or nine hundred. Eight unanswered BBB complaints is a small n by any standard, and an F rating awarded for non-response measures responsiveness rather than proving wrongdoing.

What that adds up to. Not a proven fraud ring. Something narrower and still worth acting on: a consumer-facing operation using a name close enough to a $23 billion lender's that the lender itself went public to separate the two, calling people who did not ask to be called. You do not need a conviction to decline a cold call.

What callers are not allowed to do, in the rules' own words

You do not need to identify the company to know whether a call broke the rules. These are the federal texts, quoted from the sources listed below.

• Prerecorded voice calls to a mobile phone need your consent. The Telephone Consumer Protection Act, 47 U.S.C. 227(b)(1)(A), makes it unlawful "to make any call (other than a call made for emergency purposes or made with the prior express consent of the called party) using any automatic telephone dialing system or an artificial or prerecorded voice" to "any telephone number assigned to a paging service, cellular telephone service, specialized mobile radio service, or other radio common carrier service."
• Prerecorded telemarketing needs written consent. The FCC rule, 47 CFR 64.1200(a)(3), covers a call "using an artificial or prerecorded voice to deliver a message that includes or introduces an advertisement or constitutes telemarketing without the prior express written consent of the called party." The FTC's Telemarketing Sales Rule, 16 CFR 310.4(b)(1)(v), bars "any outbound telephone call that delivers a prerecorded message" unless the seller has "an express agreement, in writing" from you. A loan offer you never asked for is telemarketing.
• Fake caller ID is a separate offence. 47 U.S.C. 227(e) makes it unlawful "to cause any caller identification service to knowingly transmit misleading or inaccurate caller identification information with the intent to defraud, cause harm, or wrongfully obtain anything of value." In the FCC data the number a consumer saw calling is usually different from the callback number, which is consistent with this practice but does not prove it.
• You can sue, and that is a lawyer's question, not ours. The statute lets a person recover actual loss "or to receive $500 in damages for each such violation, whichever is greater." Keep a log: date, time, the number displayed, the callback number and what the message said.

How to report, and what to expect. File at the FCC Consumer Complaint Center: choose "unwanted calls/texts" as the Phone Issue and "all other unwanted calls/messages" as the sub-issue, and give the callback number as well as the number on your screen. The FCC is candid that it does "not resolve individual unwanted call or text complaints," but each complaint feeds the open data above and, in its words, "the basis of potential enforcement actions." Then report to the FTC and the BBB as described below.

If you already engaged

The order of these matters, because the first two are about stopping loss and the rest are about the paperwork.

1. Stop sending money, immediately, including "just this last fee." The escalating-fee sequence is the entire mechanism of an advance-fee loan scam. There is no final fee.
2. If you gave bank details, card numbers or a Social Security number, call your bank and the card issuer now and tell them the account is compromised. Speed matters more than certainty here; a wrong alarm costs you a new card number, a slow one can cost the balance.
3. Report it to the FTC at reportfraud.ftc.gov and file a BBB Scam Tracker report. The two reports quoted above are the only reason this page could be written at all. A report you file is what lets the next person searching at 11pm find something true.
4. Tell Anchor Loans, at the address it publishes for this, reportfraud@anchorloans.com. It says it is investigating and coordinating with providers and authorities, and it is the party with both the standing and the motive to pursue it.
5. Do not call back the number that called you, even to confront it. Answering and engaging marks your number as live.

If you are actually looking for a fix-and-flip lender

Some of the people who land here really are property investors who typed the name slightly wrong, and it would be unhelpful to leave you with nothing.

The real company is covered in our Anchor Loans review, which is about its current Pretium-era numbers rather than the pre-2021 figures most reviews still quote. If you are comparing it against the rest of the market, we ranked the major business-purpose lenders on underwriting, pricing transparency and who they will actually approve in our fix-and-flip lender comparison — and that comparison matters more than usual in this corner of the market, because experience requirements are the real gate: several of the largest lenders want a track record of completed flips before they will look at you (Anchor said in 2021 that "95% of loans are made to established borrowers who have completed more than 40 projects"), which is exactly the wall that pushes first-timers toward whoever is willing to call them. Roc360's route in is structured differently, which is why it comes up so often for people who have been turned down elsewhere.

Sources

• Anchor Loans, "Fraud & Impersonation Alerts: Companies Impersonating Anchor Loans," entry "Anchor Path Lending — reported July 2026." Raw page retrieved and text extracted August 24, 2026. anchorloans.com/fraud-impersonation-notice
• Better Business Bureau business profile, Anchor PathLending, Arlington, TX. F rating, not accredited, file opened 7/3/2026, 8 complaints as of September 12, 2026. BBB profile
• Better Business Bureau business profile, Anchor Loans, LP, Westlake Village, CA. A+ rating, not accredited, CA SOS C2106273, NMLS 2289894. BBB profile
• BBB Scam Tracker report 1384184, filed August 7, 2026, Washington DC, phishing. Report
• BBB Scam Tracker report 1335038, filed June 25, 2026, Clarksdale MS, advance-fee loan. Report
• FCC Consumer Complaints Data, unwanted calls (open data, dataset sr6c-syda), queried October 13, 2026 for the advertiser phone number 369-216-6437 and for all unwanted-call complaints by month. opendata.fcc.gov The FCC does not verify the facts alleged in these complaints.
• 47 U.S.C. 227 (Telephone Consumer Protection Act) at uscode.house.gov, 47 CFR 64.1200 at ecfr.gov and 16 CFR 310.4 (FTC Telemarketing Sales Rule) at ecfr.gov, read October 13, 2026.
• FCC Consumer Complaint Center, "Unwanted Calls/Texts - Phone." consumercomplaints.fcc.gov
• Docket No. 5:26-cv-05800, U.S. District Court, Central District of California, filed October 1, 2026, via CourtListener, entries through October 7, 2026.

We have no relationship with Anchor Loans, Pretium, or any party named on this page, and we earn nothing from it. If you have a report that adds to or contradicts any of this, send it and we will update the page with it.