Who has the most control over the property? The mortgage holder or the deed holder.

The powers that each has depends on the situation. You're going to have to explain more about your situation to receive a proper answer.

Do you mean the mortgage borrower or the mortgage lender.

The deed holder owns the property subject to the mortgage lien.

But as Lisa said, if you explain why you ask we can helpmore.

And please don't keep posting the same question. To follow-up please respond to this thread.

I audit bank mortgages for a living. As far as ownership goes, the deed is more powerful... the Note/security instrument/mortgage does not give you ownership of the property. However, if the note is not paid, the bank can take possession of your home even if the note is in a different name than the deed.