The loan People page is a single list covering the whole access lifecycle, replacing the separate Loan Users, Loan Contacts, and Pending Invites tabs. People who are not in the loan yet sort to the top.
The lifecycle
LOS contact → Invited (Pending or Expired) → Active user
Each state carries its own badge: Active, Invited, Expired, or LOS Only. Pending invites show a relative expiry hint, so you can see which invitations need resending.
What you can do
- See who has access, who was invited, and who needs a nudge in one place.
- Resend an expired invite rather than guessing whether one was ever sent.
- Remove an invite — admins can delete an invite, and the action is recorded in the audit trail.
Co-borrower limits are enforced when an invite is verified and redeemed, not only when it is sent.
On mobile
The same unified list ships in the mobile app, with the same lifecycle sorting.
Common confusion
A borrower who says they cannot get in is often sitting at Invited rather than Active — the invite was delivered but never clicked. Check this page before reporting a login problem. A borrower with no account cannot sign in, and no password reset will create one.
Deleted accounts
Deleted user accounts no longer appear under a loan's Users, and no longer displace agent contacts that share their email address.