Home Capital Group Inc. is a Toronto-based financial services holding company focused predominantly on providing mortgage lending and savings solutions in Canada. Through its wholly owned subsidiary, Home Trust Company, and its publicly traded mortgage investment corporation, Atrium Mortgage Investment Corporation, Home Capital Group offers a diversified suite of residential and commercial lending products. The company aims to serve customers in non-prime and under-served segments of the market, leveraging a relationship-driven model that includes both direct and broker-based distribution channels.
Core lending products at Home Capital Group include insured and uninsured residential mortgages, commercial mortgages, home equity lines of credit, and deposit-backed financing. The company also offers deposit products such as high-interest savings accounts, guaranteed investment certificates (GICs), and tax-advantaged savings solutions. Atrium Mortgage Investment Corporation further enhances the group’s capabilities by providing investors with exposure to a diversified portfolio of first-mortgage loans secured by Canadian real estate.
Founded in 1986, Home Capital Group has grown steadily through organic expansion and strategic acquisitions. Its mortgage lending operations serve clients across all Canadian provinces and territories, with a concentration in urban and suburban markets where traditional banking channels may be insufficient or overly restrictive. By maintaining a focus on credit quality, transparent underwriting practices, and prudent risk management, the company has built a reputation for reliability among both borrowers and investment partners.
Leadership at Home Capital Group is spearheaded by President and Chief Executive Officer Yousry Bissada, who has overseen the company’s strategic initiatives since joining the board in 2009. Under his guidance, the group has strengthened its capital position, enhanced underwriting standards, and diversified its funding sources. The board of directors comprises seasoned professionals from the real estate, financial services, and regulatory sectors, ensuring robust governance and alignment with shareholder interests.
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