2021 HW Woman of Influence: Christina Pham


As president and founder, Christina Pham drives the strategy and operations for JMAC Lending and its subsidiary retail and consumer direct brands. With leadership and innovation, Pham leads JMAC by transforming business practices: keeping employees well and remote, changing loan programs to suit market needs, focusing on transparency in communications and teamwork, and creating new technologies to empower customers and staff. She leads with forward-thinking emphasis on creating a more empowered, knowledgeable and inclusive workforce to fit the needs of industry change. Through the pandemic and changes in the industry, Pham led by focusing on people. The pandemic did not pause her focus on purpose, but instead it accelerated it. She democratized the way JMAC works and conducts business. Guided by Pham’s strategic vision, the entire organization worked remotely, product offerings were overhauled to meet the market conditions, new technology was added, including a new company wide-loan loan origination system, outside sales divisions were brought inside, and command centers and communications hubs were added. All of this led to the 24-year-old company’s most productive year ever. As JMAC’s leader, Pham stayed close to the mission and focused on what the company does best: strength, knowledge and service. She continues to be a change agent for new technology, product development and setting an example for service.


Christina Pham


President & Founder

Company Name:

JMAC Lending

3d rendering of a row of luxury townhouses along a street

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