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Sir Prince Edward Coke, who lived from 1552 to 1634, once explained why the term mortgage come ups from the Old French words mort, "dead," and gage, "pledge." It seemed to him that it had to make with the uncertainty of whether or not the mortgager will pay the debt. If the mortgager makes not, then the land pledged to the mortgagee as security for the debt is taken from him for ever, and so the dead to him upon condition, and if he doth wage the money, then the pledge is dead or nothingness as to the mortgagee.

The term have been in English Language Language much longer than the 17th century, being first recorded in Center English with the word form mortgage and the nonliteral sense "pledge" in a work written before 1393.

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