Wells Fargo Home Mortgage easily defended its title as the top retail mortgage producer in the U.S. last year, generating some $40.47 billion in volume, according to a new year-end ranking and analysis by Inside Mortgage Finance. Retail actually accounted for a larger share of the Wells Fargo’s volume in 2000, climbing from 50.3 percent of its business in 1999 to 52.9 percent in 2000. That bucked the trend in the overall market, however, as