The big surge of nontraditional mortgage lending that dominated the market in 2004 continued to flavor a cooling home loan business early this year, according to a new market analysis and ranking by Inside Mortgage Finance. Total mortgage originations declined slightly in the first quarter of 2005, dropping 6.5 percent from the final three months of last year to an estimated $645.0 billion. That was still about 4.0 percent more business than was produced a…