Like many mortgage professionals, Vipul Hapani can see the wave of industry consolidation forming on the horizon and knows it is only a matter of time before it reaches his shores.

As the broker-owner of Waxhaw, North Carolina-based Vema Mortgage—the third-largest brokerage originator in the U.S. in 2025, according to HousingWire Mortgage Rankings—Hapani hasn’t yet felt a direct, measurable impact from the deals forging mega-players in real estate and mortgage. However, he firmly believes the ripple effects are imminent.

“Nothing dramatic has shifted for us yet, but I’m watching this closely,” Hapani told HousingWire. “The industry is consolidating around a details ⇒

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