A bank, often referred to as a financial institution, is a business that provides financial services such as lending money, taking deposits, and providing payment services. A CREDITOR is an entity that has a claim on the assets of another entity, such as a bank. A lienor is an entity that has a legal right to keep possession of another entity's property until a debt is paid. A LIEN is a legal right granted by a CREDITOR to a debtor, allowing the CREDITOR to take possession of the debtor's property if the debt is not paid. A mortgagee is a LENDER who has been granted a mortgage, which is a security interest in real estate held by a LENDER as collateral for a loan. A LENDER is an entity that provides money to another entity with the expectation that it will be repaid. A loaner is an entity that provides money to another entity with the expectation that it will be repaid with interest.