speak with the mva/dmv. They have to tell you if there is a lien on the vehicle.
a mock title is given to the "owner" of the vehicle, while the lien holds on to the real one, just think of the one you have as a copy essentially. However, common this may sound, its totally state law(could vary) on who holds the actual title, however the most common practice is the lien company until you have paid off the loan.