Unfortunately, there are many online companies hiring clinicians to write these letters.  

So unless you're going to call and say "hello, I would like to put 25.09% down on a home purchase," the terms/fees/apr/etc advertised aren't applicable to you and need not be honored (it goes without saying that "Joe Consumer" isn't going to click on "legal disclosures" in size 5 font at the bottom to read the below snip, so "Joe Consumer" would never know that 25.09% is the magic code to get what was advertised).I could go on, but basically there's no way to advertise rates online and be honest about it.

From what I can find online, that's not unreasonable. 

Always do your research on a lender by checking their website, social media, online reviews, etc.

Goes for all things, contractors, materials, legal (downloading online lease agreements versus paying for legal advice), and providing cheaper rents versus rehabbing the place. 

You can also check their reviews online at Google, Facebook, or Yelp.

We live in a content connect world with hundreds of YouTube videos, podcasts, online forums, and published books. 

Even for those who are local, most communication is online.

I've had luck going directly to sellers through driving for dollars and searching online property tax records.

As with any big conglomerate online lender, they spend a lot of money on their online advertising and reviews to make sure their reputation looks super clean.