Built for our partners since 1997.

Christina founded JMAC Lending in 1997 and has grown it from a small Orange County team into a national wholesale and correspondent lender. She still underwrites loans herself, especially new products, to know every program JMAC offers from the inside.

Under her leadership, JMAC was a finalist in the 2026 ACG Orange County Awards. She currently serves on the board of directors of the California Mortgage Bankers Association (CMBA).

Mortgage Executive Magazine named her one of its 100 Most Influential Executives in 2019, and she was nominated for the Orange County Business Journal’s Women in Business Award in 2015. She believes leadership means listening to the people who do the work, and adapting to what they see.

Mai helped her sister, Christina Pham, found JMAC Lending in 1997 and build its operations and underwriting teams. As Executive Vice President of Operations, she shapes how each department runs so partners get efficient, consistent service, and she stays involved in day-to-day underwriting.

Mai holds a bachelor’s degree in business administration from Cal State Fullerton.

Anthony leads JMAC’s strategy, finance and technology. He sets JMAC’s technology roadmap, from its loan origination system to the AI work he runs directly. He builds JMAC Intelligence, including Scenario Desk and Ask JMAC, so brokers and the JMAC team get answers grounded in JMAC’s knowledge.

His focus is building tools that fit how JMAC’s people and partners actually work. Anthony holds a bachelor of science from UC Irvine.

John leads JMAC’s account executives serving wholesale and correspondent partners nationwide. A mortgage veteran of more than 30 years who has held senior roles at several national lenders, he keeps his focus simple: help brokers bring in more loans.

John holds a degree in business management from Stony Brook University and was a member of the National Association of Mortgage Brokers’ inaugural corporate board of governors.

Hai leads JMAC’s secondary marketing: hedging, trading, pricing strategy, warehouse facilities, loan delivery, product development and purchase reconciliation. He joined JMAC in 2007 from ComUnity Lending, where he was Vice President of Secondary Markets, and he makes mentoring the next generation of the JMAC team part of his job.

Hai holds a bachelor’s degree in economics and mathematics from UC Santa Barbara and an MBA in finance from the University of Phoenix.

Anne works closely with JMAC’s partners and is a member of the leadership team, overseeing underwriting teams and marketing and helping JMAC find better ways of doing business. Before mortgage lending, she was a Java developer at ChoicePoint.

Anne holds a bachelor of arts in management information from Cal State Fullerton.

Dana has more than 25 years in the industry and leads JMAC’s underwriting teams. She works closely with sales, operations, compliance and executive leadership to improve workflows, strengthen risk management and deliver consistent underwriting decisions.

David leads JMAC’s operations with a focus on high-performing teams, efficient processes and consistent service for broker partners and employees alike. He works to keep every step of the loan process running smoothly as JMAC grows.

Keith has more than 25 years in the mortgage industry, in title, origination and management. As Regional Vice President of National Sales, he leads sales growth and business development, with an emphasis on JMAC’s Non-QM wholesale business. He previously led SOL Mortgage, JMAC’s consumer direct division, to record sales.

Keith holds a degree from Canisius University in Buffalo, New York.