mortgage holder vs creditor

mortgage holder and creditor both are nouns.

Word	Noun	Adjective	Verb	Adverb
mortgage holder	Yes	No	No	No
creditor	Yes	No	No	No

As nouns, creditor is a hypernym of mortgage holder; that is, creditor is a word with a broader meaning than mortgage holder:

mortgage holder: the person who accepts a mortgage
creditor: a person to whom money is owed by a debtor; someone to whom an obligation exists

Other hypernyms of mortgage holder include holder.

mortgage holder (noun)	creditor (noun)
the person who accepts a mortgage	a person to whom money is owed by a debtor; someone to whom an obligation exists