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Kristy Ragsdale

Kristy Ragsdale

VP, Sr. Loan Officer

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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

4.9
Ratings
657
Total Reviews

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M
Michelle Barnes
Posted on March 16, 2026
5.0
Kristy is amazing! Attentive, honest and very knowledgeable about all the things that buying a home entails. Clear understanding and good communication skills. I would recommend her for anyone. Thanks again for this opportunity of making my dreams come true!
M
Michelle Barnes
Posted on March 16, 2026
5.0
Great company! I really appreciate the support, clear communication with them always answering my calls and responding back to emails and giving updates effectively. If you are interested in becoming a homeowner, please contact South Bank Mortgage! Ms Kristy assisted us with our mortgage and she was amazing. Her and her team worked hard to make our dream come true ! Thanks 🙏 everyone
J
Jeffrey Meeks
Posted on March 1, 2026
5.0
A number of questions, that may have been obvious to some, but not for all, were patiently answered for us. We appreciate the help and informative guidance throughout the process 🙏
M
Michael Turner
Posted on February 27, 2026
5.0
Bank South (Kristy Ragsdale and team) started displaying their professionalism and expertise 8 yrs. ago helping me secure a mortgage. Recently retired (back then), I didn’t present a financially lucrative profile. I required some work! Was turned down by several financial institutions and appeared to be headed to the rental housing market. Kristy said, “not so fast” and got to work. As a home owner, accruing equity, completely changed my financial profile. Over the years Kristy continues to send out emails keeping her clients up to date on the fluctuations with interest rates and opportunities in the financial market. She’s not a one and done banker, your a client for life.
D
David Thompson
Posted on January 30, 2026
5.0
I would highly recommend Kristy Ragsdale and her team to anyone looking to buy a home.
D
David Thompson
Posted on January 28, 2026
5.0
Some of the hardest group of working people I've had the pleasure of working with on buying my first home. Kristy Ragsdale and her folks were very easy to work with and at the same time on top of there A game. I highly recommend Kristy and her group of people if you're looking to buy a home.
C
Cynthia Yoshida Heal
Posted on January 28, 2026
5.0
This is the BEST lender I have ever worked with. She is available weekday, weekends and so prompt with communication. She sticks with it even in difficult cases and gets the job done. Amazing is the most accurate word to describe Kristy.
B
Brandon Harrison
Posted on January 15, 2026
5.0
Kristy was a pleasure to work with from day one. The process was relatively smoothe and all questions answered promptly. I would definitely recommend BankSouth and Kristy.
D
Daniel Goldman
Posted on January 10, 2026
5.0
Kristy is amazing!!!
T
Troy Fortin Jr
Posted on January 2, 2026
5.0
Kristy from BankSouth was outstanding throughout our whole mortgage process as we purchased a new build from Traton Homes. They are one of their preferred lenders, but after working with Kristy, I would use BankSouth for any transaction. She effortlessly walked us through all scenarios and answered any questions we had with ease. She even helped simulate and get my credit score up to a higher tier so we could lower our costs/rate and proactively recommended things along the way to save us money/protect us when rates were becoming less certain. Overall 10/10 experience and would highly recommend BankSouth for your next mortgage!
M
Michael Ferrell
Posted on December 5, 2025
5.0
O
Olydia Walker
Posted on December 4, 2025
5.0
Kristy was amazing to work with! I really appreciate all of her help during my home buying process !
A
Amoya Bailey Desantos
Posted on November 29, 2025
5.0
KRISTY WAS EXCELLENT! She made my process smooth and easy! Very professional and transparent. Thank you Kristy for a job well done
E
EDWARD SAVAGE
Posted on November 28, 2025
5.0
I love my new home.
J
Joshua Williams
Posted on November 3, 2025
5.0
If you want fast, clean, accurate, very smooth service, this is the place to go! Thanks to the team again!
C
Chanel Montgomery
Posted on October 26, 2025
5.0
A
Anthony Tyler
Posted on October 20, 2025
5.0
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
L
Lynda Kurtz
Posted on October 15, 2025
5.0
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!
T
Tasheena Miller
Posted on October 15, 2025
5.0
Having Kristy as our loan officer was a pleasure. She made our transcation very smooth.
T
TNJ
Posted on October 13, 2025
5.0
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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