{
  "canonical_url": "https://lendb.ai/lo/wendy-st-clair-475089",
  "loan_officer": {
    "nmls_id": 475089,
    "slug": "wendy-st-clair-475089",
    "canonical_url": "https://lendb.ai/lo/wendy-st-clair-475089",
    "md_url": "https://lendb.ai/lo/wendy-st-clair-475089.md",
    "json_url": "https://lendb.ai/lo/wendy-st-clair-475089.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/475089",
    "full_name": {
      "value": "Wendy St Clair",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/wendy",
      "verified_at": "2026-10-09"
    },
    "first_name": "Wendy",
    "last_name": "St Clair",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791554400000/itFywZuzHcjg7nVVXhTEsQ/gWuwXhORRH3r59W9-EtpvBUnEyobznDFIiA2VkNYCwoBrOf79Y5X6kcvA8GP-P8PPGe4YpoX_I2RxZxlehL33UhwK5_gzJ-2vINH48VoBLtCILrgSeWRZGB6fSfAmR96ygt-y3t93Ek_T3O5-fQEIFCNrkB0aq6SLu_jWsI9cFg/AfScfb0CnljZiurbSO1SPsDhqbKlfJgX5ZN6roRGIdU",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/wendy",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Wendy has 20+ years in mortgage lending, starting one of Oregon's first mortgage brokers. Licensed in Oregon, Washington, and Arizona; experienced in first-time buyer education, grant programs, and working with minority initiatives.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/wendy",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/wendy",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/wendy",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/wendy",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": "Fair Oaks",
      "branch_state": "CA",
      "branch_zip": "95628",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/wendy",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/wendy",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": "Fair Oaks",
        "branch_state": "CA",
        "branch_zip": "95628",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/wendy",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Started one of the first mortgage brokers in Oregon",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Portland State University, studied Business Administration",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "U.S. Grant High School, N.E. Portland",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Oregon notary license",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "National Notary Association Certified signing agent Certification",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Provided education and financing for African American Alliance and PCRI clients",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/wendy",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 10:01:40.039171+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/wendy-st-clair-475089#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/wendy",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}