- The Mortgage Holder is the Entity that holds title to the FHA-insured Mortgage and has the right to enforce the mortgage agreement, and
- The Mortgage Servicer is the Entity responsible for performing servicing actions on FHA-insured Mortgages on its behalf, or on behalf of, or at the direction of, another FHA-approved Mortgagee.
See policy in Handbook 4000.1 III.A.1.a.i. at:
https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh