Westpac's higher-priced home loans are not yet making much of a difference to the bank's level of new funding of mortgages in Australia.The bank in December 2009 lifted home loan rates by 45 basis points, rather than in line with the 25 bps cash rate change that month, generating plenty of adverse commentary and leading to perceptions that the bank was actively seeking to slow the rate of growth in its mortgage book.There is a slowing in the rate of growth, but not by much, and Westpac's growth rate in home loans continues to exceed that of all banks, and of wider credit aggregates for all home lending.Monthly data published yesterday by APRA shows that Westpac's rate of growth in home loan funding increased by more than the rate for all banks over one, three and six months. Westpac's rate of growth exceeded that of Commonwealth Bank over these periods. Where Westpac is slipping behind system growth, though only just, is in household deposits, and even then only over the last three months. Westpac's growth rates in this segment remain a little higher than for CBA, and both will have lost some deposits to equities and other investments (which may now be flowing back) and to smaller banks with better pricing.