Potential answers for "Mortgage holder"

⭐⭐⭐⭐ LIENOR
⭐⭐⭐ REFINANCING
⭐⭐⭐ REFI
⭐⭐⭐ LIENEE
⭐⭐⭐ LIEN
⭐⭐⭐ HOMEBUYER
⭐ OAK
⭐ STEM
⭐ CART
⭐ TREE

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Equivalent of "bee's knees"   Engages in vote-swapping   Bearer of a great onus