Christina Pham is the founder and president of JMAC Lending, a mortgage company she launched in 1997 in Huntington Beach, California. Under her leadership, JMAC has grown into one of the nation’s prominent third-party originator (TPO) mortgage lenders. As a woman- and minority-owned business, the company reflects Pham’s long-standing commitment to diversity, inclusion and accessibility in lending. She remains closely involved in every aspect of the business, from sales to servicing, ensuring a cohesive and purpose-driven approach to operations.
In 2024, JMAC experienced significant growth, doubling its staff and increasing total loan volume by over 400%. Pham played a central role in this expansion, drawing on her extensive industry experience. She has been a leader in non-qualified mortgage (Non-QM) lending since 2010, writing guidelines and funding loans well before many in the industry adopted the practice. Her team also manually underwrote Jumbo loans prior to the availability of automated underwriting systems, demonstrating a forward-thinking approach that has long defined her career.
Pham is equally focused on community impact. She founded JMACares, the company’s charitable initiative aimed at supporting local communities through donations, volunteering and partnerships. JMACares concentrates on aiding the homeless, supporting at-risk populations and helping children in need. Pham believes strong, resilient communities are essential to long-term economic and social well-being. Her leadership reflects a balance of business growth and social responsibility, ensuring that JMAC Lending contributes both to the industry and to the communities it serves.
Name:
Christina Pham
Title:
President and Founder
Company Name:
JMAC Lending
