Editorial Clarification (November 2, 2001): The Mortgage Bankers Association of America has updated and/or corrected some of the information that appeared in the following story on its financial condition. According to MBA Chief Financial Officer Angela Lazear, the trade group had a budget shortfall (excluding contributions from the reserve fund) of $12 million for fiscal year 2001, which ended Sept. 30. This compares with a $13 million shortfall for fiscal year 2000 and a projected