/ɪnˈkʌmbrənsə/ – Noun
Definition: xch ENCUMBRANCER.
A more thorough explanation: An incumbrancer is a person or entity that holds a legal claim or interest, such as a mortgage or lien, on a property or asset that serves as security for a debt or obligation.
Example: The bank, as the first incumbrancer on the property, has priority over other creditors in case of foreclosure.