The home-lending market maintained its low-growth trend last year, despite a succession of official interest rate cuts. Reserve Bank figures released last week show lending for owner-occupied housing rising 0.32 per cent in December compared with the previous month, an annualised rate of 3.8 per cent.The value of owner-occupied housing loan outstandings in December - A$857.7 billion - was four per cent higher than in December 2011.The average monthly value of owner-occupied loan outstandings during 2012 was $843.3 billion compared with an average monthly value of $807.3 billion in 2011 - a difference of 4.5 per cent.Australian Prudential Regulation Authority figures put growth in the mortgage market in 2012 slightly lower again. It reports average growth of 3.7 per cent for the year to December for the 18 lenders it surveys. APRA's figure for the month of December was higher than the RBA's - at 0.4 per cent.Among the big banks, National Australia Bank led the charge last year, with a 7.2 per cent increase in its mortgage book. ANZ's mortgage business grew by 6.4 per cent, Westpac's by 1.9 per cent and Commonwealth Bank's by 0.8 per cent.Among other lenders, Suncorp increased its mortgage book by 12.8 per cent, AMP Bank by 11.3 per cent, Macquarie Bank by 7.8 per cent, Citibank by 6.7 per cent, Bendigo and Adelaide Bank by 6.1 per cent, Heritage Bank by 5.9 per cent and HSBC by 4.5 per cent.Among the underachievers were ING Direct, with growth of 0.5 per cent in its mortgage book, and ME Bank (2.4 per cent).Household deposits increased at twice the rate of home loans last year. According to APRA figures, deposits grew by 8.1 per cent in the 12 months to December. Banks with strong deposit flows included Investec Bank (up 37.5 per cent), RaboDirect (up 30.4 per cent), AMP Bank (up 20.1 per cent), ME Bank (up 19.4 per cent) and Commonwealth Bank (up 19 per cent).Deposit-takers with growth below system included Bank of Queensland - with growth of one per cent in the 12 months to December - ING Direct (1.7 per cent), Macquarie Bank (2.8 per cent), HSBC (3.8 per cent) and Suncorp (6.2 per cent).The data on business lending was mixed. According to the RBA, business loan outstandings increased by 2.4 per cent last year. However, APRA's figures show an increase of 7.6 per cent.Lenders with strong business lending growth included Bendigo and Adelaide Bank, Citibank, and Commonwealth Bank, One area of lending that appears to have picked up in recent months is the credit card market. According to APRA's figures, banks' credit card balances were down by an average of 1.4 per cent for the year to December, but in the last financial quarter of the year they picked up by 1.9 per cent. This is the first sign of growth in the market in a couple of years.Banks that have been going after credit card business include Commonwealth Bank, whose credit card balances increased by 17.2 per cent in the December