Fifth Third Bancorp is predicting fourth-quarter income below analysts' estimates, as a result of setting aside $275 million to cover loan losses, according to a regulatory filing. 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.