While mortgage lenders agree that a market fallout is on the horizon, different companies are adopting different strategies to brace for the market downturn. Gene O’Bryan, executive vice president and chief information officer at subprime lender Aegis Mortgage, said he expects a 60 percent fallout in the mortgage business. Robert Bernabe, vice president of retail lending at E-Trade, said most small players or correspondents without a brand, and those