Even though the online mortgage lending market has been in the doldrums for a while, research firm Ernst & Young says that the industry has reaped one benefit: Lenders are beginning to focus on back office efficiency rather than front-end origination market share. "Each day of costly, inefficient processes demonstrates the need for technology-enabled performance improvement," said Joseph Rubin, director for real estate e-business solutions at the New York research firm. "But one of their