As of September 1, 2004, Charter One Mortgage Corp. and Charter One Bank, N.A. are part of Citizens Financial Group, one of the largest bank holding companies in the country.

Charter One Mortgage Corp., headquartered in Richmond, Va., is a wholly-owned subsidiary of Charter One Bank, N.A., Cleveland, Ohio. Together Charter One Mortgage and Charter One Bank rank among the largest retail mortgage lenders nation-wide. In addition, Charter One consistently ranks among the Top Ten Mortgage Services Companies in Fortune Magazine's Most Admired Companies in America.

Charter One Mortgage originates and services a complete line of mortgage loans, including FHA, VA, conventional, fixed- and adjustable-rate mortgages, and jumbo loans. In addition to offering a wide variety of the most popular secondary market programs, we offer our own portfolio products designed to meet special home-buying needs. The Charter One Mortgage servicing portfolio includes loans with a total outstanding principal balance of more than $28 billion.