Most mortgage lenders appear to be scaling back the lavish spending they committed to new technology in 2002, as the industry moves tentatively toward the promise of an all-electronic transaction. According to Mortech 2002, the longest-running technology census in the mortgage finance market, lenders increased their IT investment by some 18 percent last year, pumping $3.2 billion into systems upgrades in a bubbly production market. But most companies were more guarded about 2003 when