Home Capital Group Inc is a Canada-based holding company that operates through its subsidiary, Home Trust Company (Home Trust), which offers residential and non-residential mortgage lending, securitization of residential mortgage products, consumer lending and credit card services. In addition, Home Trust offers deposits via brokers and financial planners, and through a direct-to-consumer brand, Oaken Financial. Home Trust also conducts business through its wholly owned subsidiary, Home Bank. Its mortgage lending includes classic single-family residential lending, insured residential lending, residential commercial lending, and non-residential commercial lending. Its consumer lending includes credit card and line of credit lending and other consumer retail lending. In addition, the Company manages a treasury portfolio to support liquidity requirements and invest excess capital.