Anyone looking for a recovery in the lending market would not have found it in data issued by the Reserve Bank and the Australian Prudential Regulation Authority yesterday.According to the RBA, the total value of loans to owner-occupiers rose 0.3 per cent in June; it is 4.1 higher than a year ago.APRA's figures show a 3.6 per cent increase in mortgage balances over the year to June.Loans to residential property investors may be the one bright spot. According to the RBA, they rose 0.6 per cent in June - the highest monthly increase in over two years. Investor housing loans balances are 5.7 per cent higher than a year ago.Westpac senior economist Andrew Hanlan said in a note that overall credit for housing grew at an annualised rate of five per cent in the June quarter, which indicated a rising trend.Business lending rose 0.5 per cent per cent in June and is up just 0.9 per cent over the year to June, according to the RBA. Business lending looked like it was recovering last year, when the annual growth rate hit 4.4 per cent in June, but has steadily dropped away since then.According to Deloitte's quarterly CFO survey, also released yesterday, chief financial officers are divided on the outlook for gearing their businesses. Twenty-eight per cent expect to increase gearing, while 24 per cent plan to reduce it. The Deloitte report said: "While debt is more available and affordable, companies are still exercising caution and conservatism with their own balance sheets; a possible forward indicator of things to come."Personal loans balances rose 0.2 per cent in June and have risen 0.2 per cent over the past year, according to the RBA.APRA figures show a fall of 2.1 per cent in credit card account balances in the year to June. However, there has been growth in the past two months.