The answer to your question is NO. I believe that whatever you pay out of your own pocket, as opposed to what was there when your loan was made, would make the difference.
No, in a typical mortgage, anything that becomes a “fixture” or “improvement” even if added by the owner post-mortgage is swept-up in the lien.
To give a more obvious example than an appliance, we put in granite countertops post-purchase. This would be covered by the mortgage.
It only becomes an issue when you use new money from a lender to do improvements, in which case that new lender often has “priority” over the old lender (i.e., gets paid before the old lender).
The definition of what is a “fixture” or “improvement” varies from state-to-state.
In some cases, it does include removable items like refridgerators, washers, and dryers.
In others, pretty much anything that can be unbolted or unwired or unplumbed are not fixtures.