The scramble to stay atop the growing technological cyber-mountain has become a major effort for mortgage lenders, many of which not so long ago were indifferent to technology.

But one thing has not changed: lenders are focused far more on bringing in business than on controlling costs. "They are still more concerned with the top line than the bottom line," said Jeff Lebowitz, co-author of the annual Mortech survey published by SSP Associates, Chevy Chase, Md.

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