Find an '80's to '90's steel bike that has ample clearance and just build it. Be careful though - check to make sure what you're getting truly works. My '89 Fuji Palisade barely fits 27X32c wheels under fenders, while my Univega (which was a true hybrid that I converted to drops, then back to MTB bars), can fit 700X40 tires. Just go with something that is plenty wide. The Varsity would be good, but they're pretty heavy. You'll be wanting to upgrade quite a bit.
If you're wanting a NEW bike, check out cyclocross bikes, like the Surly Cross Check and the like. THey'll fit wide tires with fenders, and have mountings that allow racks and fenders.