Lowder was born in Cortelyou in Washington County, Alabama, where he graduated from high school at age 16. He enrolled in Alabama Polytechnic Institute, now Auburn University, where he earned a degree in Agricultural Science. Lowder was a county agent until 1942 when he was called into the United States Army and served in several major World War II European campaigns. In 1946, he started the insurance company, from which he retired in 1980 as executive vice-president and CEO. The insurance company was the state’s largest and had become a model of success. He also became chairman of the board of First Commerce Corporation in New Orleans, which he rebuilt into one of the most successful banks in the state. He served on a number of civic and charitable organizations and contributed generously to Auburn University and The University of Alabama College of Commerce and Business Administration. Auburn University conferred upon him an honorary Doctor of Laws degree.