A month after the Reserve Bank cut the cash rate by 25 basis points, home loan customers of a number of institutions are still waiting to hear how their lenders will respond.According to the latest Mozo Banking Roundup, one lender (Bank of Sydney) cut its variable mortgage rate by more than 25 bps, 43 lenders cut their rates by 25 bps, 31 cut their rates by less than 25 bps and six have not announced any changes.Mortgage lenders that had not announced changes to their mortgage rates by the end of the month included BCU, Community First Credit Union, East Street, Illawara Home Loans, Northern Inland Credit Union and Resi.Mozo highlighted the increasing complexity and dynamism of the market, reporting a large number of exceptions among lenders cutting by 25 bps. A number reduced their investor rates by less than 25 bps.Some reduced their basic variable rates by less than 25 bps, while one (Reduce Home Loans) reduced its basic rate by 26 bps.Some cut the rate for borrowers on loan-to-valuation ratios below 80 per cent by less than 25 bps, while one (Liberty) left the rate unchanged for borrowers on LVRs above 80 per cent.A number cut the rate for borrowers on package or discount rates by less than 25 bps, but ME cut its package rate by more than its standard rate.In all, 49 lenders made exceptions of one sort or another.