Question: What mortgage and savings provider did Mr. Marks charge on Mrs. Hodgson freehold?
Context: A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings, deposits, and making mortgage and other loans.  The terms ""S&L"" or ""thrift"" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks.  They are often mutually held (often called mutual savings banks ), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company.  While it is possible for an S&L to be a joint-stock company, and even publicly traded; in such instances it is no longer truly a mutual association, and depositors and borrowers no longer have membership rights and managerial control.  By law, thrifts can have no more than 20 percent of their lending in commercial loans — their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. has experienced since 2007. Elizabeth Whiteley and her children sued the executors of Benjamin Whiteley's will (of 19 March 1874).  The will contained a power to invest the fund on certain investments, including “real securities in England or Wales.”  £5000 of the trust money had been lost.  £3000 was invested in a mortgage at 5% return in the freehold of a ten-acre brick field near Pontefract, “with the engine-house, sheds, brick and pipe kilns, and buildings thereon, and all fixtures and fittings thereon.”  £2000 was invested on mortgages at 5% in four small freehold houses, including a shop, in Salford, Greater Manchester.  The brickfield owners went bankrupt in October 1884 and the owner of the four houses filed for petition for liquidation.  There was insufficient money to pay the trust fund. The Federal National Mortgage Association (FNMA), commonly known as Fannie Mae, is a United States government-sponsored enterprise (GSE) and, since 1968, a publicly traded company.  Founded in 1938 during the Great Depression as part of the New Deal, the corporation's purpose is to expand the secondary mortgage market by securitizing mortgages in the form of mortgage-backed securities (MBS), allowing lenders to reinvest their assets into more lending and in effect increasing the number of lenders in the mortgage market by reducing the reliance on locally based savings and loan associations (or "thrifts").  Its brother organization is the Federal Home Loan Mortgage Corporation (FHLMC), better known as Freddie Mac. Cheltenham & Gloucester plc (C&G) was a mortgage and savings provider in the United Kingdom, a subsidiary of Lloyds Banking Group.  C&G specialises in mortgages and savings products.  Previously, C&G was a building society, the Cheltenham and Gloucester Building Society.  Its headquarters were in Barnwood, Gloucester, Gloucestershire, England.  C&G was closed to new mortgage and savings business on 9 September 2013. Bank United Corporation, headquartered in Houston, Texas, was a broad-based financial services provider and the largest publicly traded depository institution headquartered in Texas before its merger with Washington Mutual in 2001.  Bank United Corp. conducted its business through its wholly owned subsidiary, Bank United, a federally chartered savings bank.  The company operated a 155-branch community banking network in Texas, including 77 in the Dallas/Fort Worth Metroplex, 66 in the greater Houston area, five in Midland, four in Austin, and three in San Antonio; operated 19 SBA lending offices in 14 states; was a national middle market commercial bank with 23 regional offices in 16 states; originated mortgage loans through 11 wholesale offices in 10 states; operated a national mortgage servicing business serving approximately 324,000 customers, and managed an investment portfolio.  As of June 30, 2000, Bank United Corp. had assets of $18.2 billion, deposits of $8.8 billion, and stockholder's equity of $823 million. Mrs Hodgson bought 31 Gibbs Green, Edgware, Middlesex in 1939.  After being widowed in April 1959 she took Mr Evans as a lodger, and in June 1960 transferred him her freehold for free.  He told her she should give him the deeds so her nephew, in the foreign service, would not return and turn her out.  He also took money to invest on her behalf.  He registered himself, and sold it to Mr Marks, who gave a charge to Cheltenham & Gloucester Building Society.  Mrs Hodgson, still living there, found out and claimed a declaration that Mr Marks should transfer his freehold to her, free from the building society charge.  Mr Evans had held on trust for her, and that bound Mr Marks and the building society. An offset loan is a type of lending arrangement, usually for a mortgage, in which a borrower also maintains a savings account with the lender.  Instead of receiving interest on the savings account, the interest payment due on the loan is calculated only on the net balance of the loan less the savings account.  The regular payment is calculated on the full amount of the loan, however, so making regular payments will pay off the loan faster than a standard loan with the same interest rate, amount, and periodic payment. Federal savings associations (also called "federal thrifts" or "federal Savings Banks"), in the United States, are institutions chartered by the Office of Thrift Supervision which is now administered by Office of the Comptroller of the Currency after the agencies merged.  Institutions chartered by the OTS are still regulated according to the rules and regulations of Federal Savings Banks.  Mortgages issued by Federal Savings Banks are pursuant to the provisions of the Home Owners' Loan Act, a U.S. federal statute.  Although the activities of federal thrifts were once confined primarily to taking deposits from consumers and making residential mortgage loans, federal thrifts are now authorized to offer a wide range of financial products and services. Steven M. Marks is General Counsel for the Recording Industry Association of America (RIAA).  Mr. Marks oversees RIAA’s litigation, licensing, and technology initiatives.  Mr. Marks also represents the industry on legislative issues, having led negotiations on behalf of the industry that resulted in comprehensive revisions to the Copyright Act. Flagstar Bancorp, Inc. operates as the holding company for Flagstar Bank, a federally chartered stock savings bank.  It is the largest publicly traded savings bank in Michigan with assets of over $16 billion in 2016.  Flagstar is also a leading mortgage lender and a national leader in the wholesale mortgage business.
Answer: Cheltenham & Gloucester