NoteHarbor records who changed what, and when: automatically, on every account. Nothing to switch on.
What gets audited
Edits and deletions are logged across the app: loans, payments, escrow, insurance, county tax accounts, the tax-tracking profile, foreclosure cases and events, properties, borrowers, lenders, lienholders, and renters. Loan notes keep their own per-note edit history. Every audited edit stores the before → after values, so you can see exactly what changed.
The audit note on every edit
Every audited edit form carries a "Reason for change" field:
- For the account Owner it's optional (labeled "optional: audited"). The change is logged either way.
- For everyone else it's required, at least 5 characters: team members always say why they changed a record.
Deleting a payment (Admin-only) or a lienholder follows the same rule as any other edit: the account Owner may skip the reason, everyone else must type one. Deleting a lender is different: it's Admin or Owner only, requires archiving the lender first, and never prompts for a reason, for anyone.
The per-loan Audit Log
Open any loan and select the Audit Log tab (the address looks like /loans/…?tab=audit). It lists every change to that loan and everything attached to it (payments, escrow, insurance, notes, tax profile, and foreclosure) newest first, in plain English, with the reason note and the before/after detail. It's read-only; you can't edit history, only review it. This tab is Owner/Admin only and is not affected by the per-seat Reports override below.
Who can see Reports → Audit
The org-wide Reports → Audit page (below) is separate from the per-loan Audit Log tab above. By default it's visible to Owner and Admin only (Admins see it read-only). An Owner can also grant a specific Manager or Team Member access to Reports → Audit, or deny an Admin, per person under Settings → Team (see Team roles → Fine-tune Reports access per person); this override does not change who can open a loan's own Audit Log tab. When MFA enforcement is on, anyone with Reports → Audit access is held to the two-factor requirement.
Exporting the Audit Report
For your records, your accountant, or a compliance request, browse and export your audit trail from Reports → Audit (shown to Owners, Admins, and anyone granted access):
- Go to Reports → Audit.
- Filter by loan, person, borrower, lender, property, category, or action, set a date range, and search by name, note #, or amount.
- Select the rows you want, or tick the header box to select everything matching your filter, and export as CSV or PDF.
Each row lists the date, what happened, which record, and the before/after details. Who did it shows the person's name alongside their account code when a name can be resolved for a current team member, both on the page and in the export, so the trail reads as people, not codes where possible.
Every payment, edit, and deletion is on the record. That paper trail is what makes your servicing defensible if anyone ever asks.