*Loan,banking and credit>>>bank loan

Is it better to go through a bank or Broker for a home mortagage loan?

Brokers are good for when you can't get the best deal on your own, IMO. For example, when you can't show enough income, which could be for a lot of reasons. One example: diplomats who don't pay income tax, and so who have more disposable income than their payslips would show. Or in London a broker we use mentioned a client whose income was from "spread betting". That's investing in common stocks and securities, but through specialist houses where the trades count as gaming, and the proceeds are untaxed in the UK. Major banks wouldn't touch it.

Bank if you have EXCELLENT credit. Brokers find the best rate for you if your credit is mid 500's on up.
bought 1st home 7/2006, used a broker
it is all about preference, the broker is the middle man; he basically finds a bank or "lender" to finance you and you will pay him a percentage (usually 3%) @ closing
My wife and I didn't go through a bank. We started online with lendingtree.com and got several different offers from several mortgage brokers. The rate we got was better than our local bank was offering, and the process was pretty easy -- we just had to FAX them some stuff and then they sent a notary to the closing so we could sign everything at once. It's worth looking into.
My self I would go thru a regular Bricks and mortor bank in otherwords the local bank down the street. It has been My experience that not all but a very high percentage of the Mortagage Brokers when they have there mouth open there lying... The Interest rates will not be what they quote. Payments not the same and so on... Plus you will not know if you Truly will get the loan till the day of closing sitting at the closing table. it can be quite a Nightmare... But there are exceptions to all... You could have a smooth sailing closing...
Not all the banks offer the same products. So with a broker, they may be more efficient in finding the right product for you. However there are plenty of banks in most towns and if you have the time to visit them on your own. Don't worry, they won't bite. They want your business. The benefit of going directly to the bank is that the institutions are a lot more professional than some of these mortgage brokers. Also, you may be able to save a few bucks by cutting out the middle man.