A stronger-than-expected second half has pushed listed non-bank lender Homeloans Ltd to a full year profit of A$15.8 million.The result, which only bettered the 2016 profit by less than one per cent, was received positively by investors who drove the share price up two per cent on an otherwise bleak day of trading for banking and finance stocks.Homeloans' share price has rallied more than 20 per cent since the middle of June and closed up one cent to 47.5 cents on Monday.Investors seem to be betting the acquisition of RESIMAC during the year will yield stronger earnings growth in the current year, given solid double digit growth in lending volumes in the June half.Total loans settled during the 12-month period eclipsed $3.6 billion, up 20 per cent on 2016.The RESIMAC business typically absorbs higher upfront costs when it funds and writes a new loan, which means net interest returns usually escalate after the first year a loan enters the company's books.Joint managing director Mary Ploughman said she was pleased with the performance given the year was marked by the integration of RESIMAC into the Homeloans group and regulatory disruption of the mortgage market.She said the macro-prudential changes affecting the home loan industry were helping non-bank lenders like Homeloans to recapture market share from the major banks."Some of the regulatory changes have resulted in the flow of market share away from the majors," she told Banking Day."Those changes are clearly not intended to curb the growth of the non-bank sector.Ploughman said she was upbeat about the company's earnings outlook."Settlement volumes are expected to remain strong into the new financial year," she said."Settlement growth will continue to be supported by the third party broker market, with Homeloans having access to up to 85 per cent of brokers."Over the next two months Homeloans will be progressively added to AFG's lender panels in each state.