Homeowner, vis-a-vis the bank

• Many a homeowner
• Encumbrance holder
• Person with a mortgage, e.g
• Holder of claimed property
• One with encumbered property
• Mortgagor, e.g
• Person with property, perhaps
• One with a mortgage, e.g.
• Mortgaged one

Wiktionary Word definitions in Wiktionary
n. (context legal English) One who has right of possession of goods but not right of property; the registered owner.