In the Magic Kingdom where the Mortgage Bankers Association held its annual convention this week, executives celebrated an unexpectedly strong market in 2005 – and looked ahead to an increasingly competitive environment next year. Tightening production margins and the expectation that interest rates will edge higher in 2006 are adding momentum to the industry’s search for improved efficiency. In fact, some 96 different companies renting space in the exhibit area described themselves as providers of…