Mortgage finance stocks generally face declining prospects in 2003 as macro trends in the housing industry turn increasingly negative, according to a new report from Fox Pitt, Kelton. “The interest rate environment is probably as good as it’s going to get for the thrifts, GSEs and title insurance companies,” the report says. Investors in the mortgage sector will increasingly favor those firms that benefit from greater mortgage persistencys – thrifts with large servicing portfolios