Lower Appoints Paul Zinn as EVP of Retail Lending and Divisional Manager

COLUMBUS, OH – May 21, 2026 – Lower, a modern homeownership platform built to help everyone achieve financial freedom, today announced Paul Zinn as EVP of Retail Lending and Divisional Manager. Zinn joins Lower at an important stage in the company’s retail expansion as it continues investing in its platform, leadership, and national growth strategy. He will report directly to Craig Montgomery, Lower’s Chief Strategy Officer and Head of Retail Lending.

In his new role, Zinn will focus on expanding Lower’s retail presence, recruiting top originators, and strengthening production teams nationwide. He’ll help lead the company’s retail strategy as Lower continues expanding across key markets.

Zinn brings more than 20 years of mortgage industry experience across retail lending, business development, recruiting, and organizational growth. Most recently, he founded The Rising Tide Collective, advising independent mortgage banks and brokers on growth strategy and recruiting. Before that, he spent 13 years at AnnieMac Home Mortgage as Senior Vice President of Business Development and part of the company’s founding team. Over the course of his career, he has led teams responsible for more than $4 billion in annual loan volume.

“Paul knows how to build teams people want to be part of,” said Craig Montgomery. “He brings deep experience in recruiting, leadership, and building high-performing organizations, but just as importantly, he understands how culture drives long-term success. We’re excited to have him helping lead the next chapter of our retail expansion.”

Throughout his career, Zinn has focused on building collaborative cultures centered on accountability, performance, and long-term relationships. He also emphasizes the importance of community, mentorship, and building teams where people feel genuinely invested in one another’s success.

“I was looking for a team with both the competitive drive and the capacity to build something meaningful at scale,” said Zinn. “Lower has a clear vision for where it’s going and a genuine commitment to investing in people and innovation. I’m excited to help build an organization where originators, partners, and teams can grow together for the long term.”

Zinn’s appointment underscores Lower’s commitment to building a retail platform designed to attract and support high-performing originators nationwide.

For more information about this announcement, please contact Allie Byers at press@lower.com.

About Lower
Founded in 2014, Lower is one of the fastest-growing mortgage lenders in the country with more than 50,000 5-star online reviews and a commitment to world-class customer service. Lower operates a digital platform to meet customers online through its website, and a network of distributed retail branches to meet customers in their local neighborhoods across the country. Lower is one of Accel Partners’ flagship investments and is also backed by SoFi and Huntington Bank. The company is committed to being the best lender for consumers and originators and becoming the place to buy, refi, and sell. For more information, please visit www.lower.com.