---
canonical_url: https://lendb.ai/lo/wendy-st-clair-475089
json_url: https://lendb.ai/lo/wendy-st-clair-475089.json
nmls_id: 475089
last_verified: 2026-10-09
---

# Wendy St Clair

Loan Officer at Empire Home Loans, Fair Oaks, CA. NMLS ID 475089 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/475089)).

**Summary:** Wendy St Clair (NMLS 475089) is Loan Officer at Empire Home Loans, based in Fair Oaks, CA. Lists Arizona, Oregon and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09)
- Licensed in: Arizona (AZ, lender_reported), Oregon (OR, lender_reported), Washington (WA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/wendy

## About

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: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09.
- role: Started one of the first mortgage brokers in Oregon. Source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09.
- education: Portland State University, studied Business Administration. Source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09.
- education: U.S. Grant High School, N.E. Portland. Source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09.
- credential: Oregon notary license. Source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09.
- credential: National Notary Association Certified signing agent Certification. Source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09.
- community: Provided education and financing for African American Alliance and PCRI clients. Source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243), Fair Oaks, CA. Source: https://www.empirehomeloans.com/team/wendy, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/475089

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/wendy
- Office phone and Email on file: shown at https://lendb.ai/lo/wendy-st-clair-475089#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/475089
- lender_site: https://www.empirehomeloans.com/team/wendy

Cite as: Wendy St Clair (NMLS 475089), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/wendy-st-clair-475089, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._