Home Trust operates mainly in regions considered low risk where above average returns may be achieved; it also tends to focus on areas largely ignored by other mortgage lenders.

During the 2008 economic crisis, it faced less competition (the number of competitors was halved over the last couple years) and its customer base is unique (overrepresented by people who have had credit problems).

This came two weeks after several current and former officers and directors have received enforcement notices from the Ontario Securities Commission related to the company's past disclosure practices and, in some cases, trades in its shares.

Consumer lending provides businesses and individuals services for credit cards (including those paid in full) and other loans.

[10] On April 19, 2017, the Ontario Securities Commission accused Home Capital of making "materially misleading statements" to investors.