Buoyed by the heavy refi market and low interest rates, total online mortgage lending for 2003 surged to an estimated record $995.0 billion, even though Internet originations plunged 39.7 percent from last year’s third quarter to the fourth. The $995.0 billion figure represents 26.5 percent of the estimated total mortgage originations of $3.76 trillion for 2003, up from an estimated 25.3 percent in 2002. In 2001, the $265.8