Title Holding States

The following is a list based on a report compiled by the AFSA of states where a lienholder keeps the vehicle’s title vs states where the vehicle owner receives the title.

Map of US States with ELTOwner = Vehicle owner is issued the title in this state.
Lienholder = Lienholder retains the title in this state.

Jurisdiction   Owner   Lienholder   Comments
AL No Yes
AK No Yes
AZ No Yes
AR No Yes
CA No Yes
CO No Yes
CT No Yes
DC No Yes
DE No Yes
FL No Yes
GA No Yes
HI No Yes
ID No Yes
IL No Yes
IN No Yes
IA No Yes
KS No Yes Titles with liens are electronic.
KY Yes No
LA No Yes
ME No Yes
MD Yes No
MA No Yes
MI Yes Yes The owner holds title, unless s/he authorizes the title to be mailed to the lienholder.
MN Yes No
MS No Yes
MO Yes Yes The owner holds title, unless the lienholder requests the title.
MT Yes No
NE No Yes Titles with liens are electronic.
NV No Yes
NH No Yes
NJ No Yes
NM No Yes
NY Yes No
NC No Yes
ND No Yes
OH No Yes
OK Yes No
OR No Yes
PA No Yes
PR No No
RI No Yes
SC No Yes
SD No Yes Titles with liens are electronic.
TN No Yes
TX No Yes
UT No Yes
VT No Yes
VA No Yes
WA No Yes
WV No Yes
WI No Yes Change effective July 2012
WY Yes No A title can be issued to either the owner or lienholder as requested.
Jurisdiction Owner Lienholder Comments

AFSA Report: Who Holds the Title When There’s a Lien on a Vehicle?
Who Holds the Title When There's a Lien on a Vehicle?