Christina Pham

Founder & President

Christina Pham is the founder and President of JMAC Lending, a mortgage bank based in Santa Ana, California. JMAC Lending has originated more than 40,000 mortgage loans through its wholesale lending platform and has become one of the largest wholesale lenders in the industry. Prior to forming JMAC Lending in 2007, Pham was a branch manager for Com Unity Lending (DBA JMAC Lending). During a 10-year period, her start-up branch became the largest branch for the company, originating 25% of the total origination volume for the company. Before joining Com Unity Lending, Christina was a vice president for LP California Mortgage, a Newport Beach mortgage lender. 

In 2019, Christina was yet again a winner of the Mortgage Executive Magazine 100 Most Influential Executives Award. In 2015, she was nominated to receive the Orange County Business Journal’s Women in Business Award. Christina has enjoyed giving several keynotes speeches and participating on panels. Over 22 years, Christina managed to expand a modest 8-person operation that serviced only Orange County to a company with more than 150 employees and services 26 states. JMAC Lending, Inc. captures a significant portion of the wholesale lending market wherever it goes.

Christina founded JMAC Lending after seeing an opportunity in the mortgage banking industry to reach the traditionally underserved Asian market in Southern California. Leveraging cutting-edge technology, efficient operations, and an experienced underwriting staff, she established a solid foundation for her investors. Today, Christina still underwrites loans, especially newer products, to develop a comprehensive and intimate understanding of the products her company sells. She believes leadership is defined by the ability to listen and adapt to the insights of her employees, who are experts in the mortgage lending business.