More small thrifts turned to Fannie, Freddie and the Federal Home Loan Banks to fund last year’s record volume of production than ever before, according to a new survey by America’s Community Bankers. The survey gauged the lending activity of 403 thrifts in the first three quarters of 2003. It found that 42 percent of small thrifts, categorized as shops with less than $50 million in assets, sold loans to Fannie Mae and Freddie