Though it still may be called a title by some. When taking out a mortgage or home-equity line of credit the title company does a lien search and is responsible for verifying the owners. That’s why you pay the exorbitant title fees.
My mom gets scared by Fox News stories about this every six months.
If your truly worried about this take out your own home equity line of credit and keep it as a zero balance. That way your home is fully mortgaged without borrowing a dime.