If nothing else in the mortgage market is certain, you can be sure that Fannie Mae’s and Freddie Mac’s automatic underwriting engines always have a record year. A Fannie Mae spokeswoman said Desktop Underwriter evaluated more than 12 million loans last year, compared with 10 million in 2002 and 8 million in 2001.By the end of December 2003, DU had processed over 38 million loans since its inception, she