You have to understand... or already do. Anyone can grab a random address with value and claim it as their own. What a lender will want it you to transfer those tokens to them or an escrow for them to hold onto until you repay your loan. Frozen tokens are useless because if you default and disappear, the lender is out of luck.

So until you have a token you can send to the lender that you don't wan to sell but use as collateral you should stop requesting loans.