...New round of losses hits marketJackson Clarion Ledger, MS -6 hours agoMany of the lenders that specialized in such loans are now defunct - banks such as American Home Mortgage, Bear Stearns and IndyMac Bank. Brokers are the ones who help you find lending companies with the best mortgage rates. Brokers have a greater access into the best mortgage rate options posted by lending companies. This means that you get a wider selection of loan products and terms for you to decide which one has the best mortgage rate.