Kristy Ragsdale
VP, Sr. Loan Officer
Q&A with Kristy Ragsdale
Why did you decide on your career?
Many lenders say that when they started working in the mortgage industry, they had no expectation for it to evolve into a career. It seems that once you get into it you do not get out. This applied to me. I did not intend for it to be my career but I absolutely fell in love with it. It is very rewarding to be involved with homeownership. You see the joys and achievement it brings to families.
List up to 3 things you enjoy doing on weekends.
On the weekends I enjoy cooking. I love to eat and cooking different cuisines. I also enjoy sailing our Hobie Cat and fishing off the back. I take in a concert any chance I get.
List 1-3 reasons you’re different than others in your profession.
I have over 20 years experience as a lender. I strive to communicate through each step of the process. I have a great attention to detail. I am committed to providing the best mortgage experience for my clients.
Bio of Kristy Ragsdale
Kristy is an Atlanta native and a licensed mortgage loan originator who specializes in new construction. As a mortgage specialist, Kristy is dedicated to providing the most exceptional customer service available for both seasoned and first-time homebuyers. She has over 20 years of experience in assisting buyers in achieving the American dream of home ownership. Kristy is a gold and platinum recipient member of the Mortgage Bankers Association of Georgia. She is here to assist you with any questions or guidance needed through the lending process.
Awards
What Customers Say About Kristy Ragsdale
647
Total Reviews
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Michael Ferrell
Posted on December 5, 2025
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Olydia Walker
Posted on December 4, 2025
Kristy was amazing to work with! I really appreciate all of her help during my home buying process !
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Amoya Bailey Desantos
Posted on November 29, 2025
KRISTY WAS EXCELLENT!
She made my process smooth and easy!
Very professional and transparent.
Thank you Kristy for a job well done
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EDWARD SAVAGE
Posted on November 28, 2025
I love my new home.
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Joshua Williams
Posted on November 3, 2025
If you want fast, clean, accurate, very smooth service, this is the place to go! Thanks to the team again!
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Chanel Montgomery
Posted on October 26, 2025
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Anthony Tyler
Posted on October 20, 2025
Kristy and the banksouth team are an amazing group of people very professional and helpful throughout the entire mortgage process and would recommend them to anyone looking to purchase a home. Thanks again
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Lynda Kurtz
Posted on October 15, 2025
She's the best new construction loan office I've ever worked with. She even took my call on a Sunday so I could close the deal and went WAY above and beyond to help my client. I'm always grateful for her knowledge and professionalism. Thank you Kristy!
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Tasheena Miller
Posted on October 15, 2025
Having Kristy as our loan officer was a pleasure. She made our transcation very smooth.
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TNJ
Posted on October 13, 2025
I love my new place.
Thanks to Bank South Mortgage, for all your help.
Thank you, Kristy Ragsdale, and your team for all your help.
I would recommend their services, to family and friends.
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Edward Savage
Posted on October 8, 2025
The experience was outstanding
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Vertina Blakney
Posted on October 3, 2025
The process was extremely smooth and not stressful
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Michael Latimore
Posted on October 2, 2025
Kristy is amazing and pleasure to work with. Highly recommend.
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Allyson Foster
Posted on September 29, 2025
Kristi and her team kept me well informed, and let me know what to expect each step of the way. In this kind of transaction, being prepared and having no surprises is a WIN!
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Nayla BE
Posted on September 20, 2025
Kristy Ragsdale dosent play when it comes to find you the best interest rate and loan to purchase your property. Kristy she works very hard and dosent give up very easily. You can best assure she will get it done for you. Kristy is very caring and straightforward no hidden fees or communication she tells you how it is. I truly recommend her to be your private lender she definitely made a way for me and my situation was very difficult. Thank you Kristy
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Andrea O
Posted on September 18, 2025
Kristy Ragsdale was amazing from start to finish. Throughout my home buying process she made sure that I was well informed and updated on every detail. Her response time and communication was prompt. She really went above and beyond. I would definitely recommend Kristy and her team.
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Yashaswini K
Posted on September 18, 2025
Kristy was absolutely amazing! As a first time homeowner, I had a lot of questions and she was very patient and detailed. I loved working with her!
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Ken H
Posted on August 30, 2025
I can't say enough good things about Kristy. I made the mistake of selecting a different lender for a mortgage on a Townhouse I was purchasing. After several miss steps and a feeling of being neglected and disrespected by the lender, I called Kristy and asked for her help. And she delivered. Every mortgage I've ever signed had some sort of hang up until I worked with Kristy and BankSouth. It was perfect and easy from start to finish. Kristy and all her team members were the personification of professionalism. She was responsive, kind, witty, and a peerless communicator. I can assure you that if you need a mortgage you will not be disappointed with Kristy and BankSouth.
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Kenneth Hurst
Posted on August 25, 2025
Kristy Ragsdale is top notch. I was having trouble with another lender and called her to see if she could help out. She told me should would and she was 100% correct. I have never dealt with a more responsive, intelligent, and well spoken professional in my life. I wish everyone could do their job as well as Mrs. Ragsdale does hers, life would be so much easier.
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Mahathi Surapuneni
Posted on August 25, 2025
Amazing to work with Kristy and her team.
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BankSouth Mortgage Company, LLC, NMLS #690971 is not a bank or other depository institution and is not FDIC-insured.
BankSouth Mortgage Company, LLC is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC.
Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.