A lienholder is a lender that has a legal interest in your assets until you pay in full or satisfy the loan that those assets were pledged against. If you are applying for a loan with DreamSpring, then DreamSpring would be the lienholder. Lienholder information is filed on physical titles for vehicles, on deeds of trusts for real estate, and Uniform Commercial Code (UCC) lien filings for business equipment or assets. (What is a Uniform Commercial Code (UCC) lien filing?)