Changes to their business practices helped mortgage servicers become more profitable in 2004, analysts say – and more could be in the cards for the months ahead. For many servicers, particularly those in the subprime market, 2004 was a year of retrenching. Problems at Fairbanks Capital Corp. and Ocwen Financial fueled liability concerns that led some companies – for the first time – to roll out best practices slates for their servicing shops. …