net pay doesnot matchpayrolldepositsBorrowerreceived araise afterprevious loanwas rejectedPreviouslyRejected Loan,NewEmploymentafter Rejectionprimary refi,no docs in fileaddressed tosubjectpropertyEmploymentStart DateJan 1sttenant/vacantappraisal onprimary refiMultiplegiftstransferredat closingprimarypurchaselocated fartheraway fromemployerIncomedeposits onlyafter creditreport dateCurrentprimary lessvaluablethan subjectpropertyTypo onpaystubssecondaryresidencewithin ~10miles ofprimaryRoundedearningsonpaystubsleaseagreementsigned byfamilyloanwithdrawnafter proof ofreceipt wasrequestedNewemploymentfrom familymember who isalso providing agiftSelf-employedto W-22 primarytransactionswithin 3monthsDeductionsdon't addup onpaystubsGift donorrelationshipchanges tomeet guidelinerequirementsConsecutivepaychecknumbersinconsistentformattingon bankstatementsRental incomeneeded fromsubjectinvestment,more valuablethan primaryGenericpaystubsnet pay doesnot matchpayrolldepositsBorrowerreceived araise afterprevious loanwas rejectedPreviouslyRejected Loan,NewEmploymentafter Rejectionprimary refi,no docs in fileaddressed tosubjectpropertyEmploymentStart DateJan 1sttenant/vacantappraisal onprimary refiMultiplegiftstransferredat closingprimarypurchaselocated fartheraway fromemployerIncomedeposits onlyafter creditreport dateCurrentprimary lessvaluablethan subjectpropertyTypo onpaystubssecondaryresidencewithin ~10miles ofprimaryRoundedearningsonpaystubsleaseagreementsigned byfamilyloanwithdrawnafter proof ofreceipt wasrequestedNewemploymentfrom familymember who isalso providing agiftSelf-employedto W-22 primarytransactionswithin 3monthsDeductionsdon't addup onpaystubsGift donorrelationshipchanges tomeet guidelinerequirementsConsecutivepaychecknumbersinconsistentformattingon bankstatementsRental incomeneeded fromsubjectinvestment,more valuablethan primaryGenericpaystubs

Red Flag Bingo! - Call List

(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.


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  1. net pay does not match payroll deposits
  2. Borrower received a raise after previous loan was rejected
  3. Previously Rejected Loan, New Employment after Rejection
  4. primary refi, no docs in file addressed to subject property
  5. Employment Start Date Jan 1st
  6. tenant/vacant appraisal on primary refi
  7. Multiple gifts transferred at closing
  8. primary purchase located farther away from employer
  9. Income deposits only after credit report date
  10. Current primary less valuable than subject property
  11. Typo on paystubs
  12. secondary residence within ~10 miles of primary
  13. Rounded earnings on paystubs
  14. lease agreement signed by family
  15. loan withdrawn after proof of receipt was requested
  16. New employment from family member who is also providing a gift
  17. Self-employed to W-2
  18. 2 primary transactions within 3 months
  19. Deductions don't add up on paystubs
  20. Gift donor relationship changes to meet guideline requirements
  21. Consecutive paycheck numbers
  22. inconsistent formatting on bank statements
  23. Rental income needed from subject investment, more valuable than primary
  24. Generic paystubs