Up to 30% of the 1,000 largest independent mortgage banks are projected to disappear by the end of 2023 via sales, mergers or failures in the wake of still-rising inflation and interest rates. We explore who's selling, who's buying, and who's dying. Up to 30% of the 1,000 largest independent mortgage banks are projected to disappear by the end of 2023 via sales, mergers or failures in the wake of still-rising inflation and interest rates. We explore who's buying, who's selling and who's dying.