"Anchor Lending" Called You. It Is Almost Certainly Not Anchor Loans, and the Real Lender Says So Itself

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.

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

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.