Subject matter v in personam jurisdiction of court NYS court?

In NYS bank must own both note & mortgage on or before the date of filing foreclosure complaint in court. If bank did not own note on date of filing what would law define it as--LACK OF SUBJECT MATTER JURISDICTION OR LACK OF IN PERSONAM JURISDICTION? Would this make decision of that court VOID AS A MATTER OF LAW AS U.S.Supreme court has ruled many times in last 100 years?