Annette Lowder built Intercap Lending’s operations team from the ground up.

She started nearly from scratch in 2017, building up to now more than $1.8 billion in production in 2019, and she is already approaching $1 billion for 2020. As chief operating officer at Intercap Lending, Lowder built the operations team and systems to support one of Utah’s leading mortgage lenders. But the operations team wasn’t her first team to build at the company. Since mid-2016, Lowder has also built the underwriting, compliance, appraisal, processing, closing and disclosure teams from the ground up. Her expertise and guidance enabled Intercap to scale using technology, allowing all operations teams to work more files in less time. Lowder has been a driving force behind Intercap’s quick rise from less than $50 million in production per year to nearly $2 billion in annual production. In addition to this, Lowder is a mentor to those around her. Her ability to connect with her team and her willingness to jump into any problem make her unique. Lowder is a member of the Board of Directors for Utah Housing Corp., an organization dedicated to supporting affordable homeownership options in the state of Utah. As a member of the board, Lowder has been an important part of driving housing affordability during these extremely difficult times in the housing industry.