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
583
Total Reviews
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Richard Puckett
Posted on March 4, 2025
The overall experience was very good. When we got down to the last few days before closing there were a few snags that took a few extra days to resolve. Kristy was professional and worked to get the loan closed. I would highly recommend her.
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Jennifer Harris
Posted on February 25, 2025
Kristy was really good. I appreciated the mortgage portal which made it easy to upload necessary documents during the home buying process.
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Temetriss Harris
Posted on February 23, 2025
Kristy was amazing the entire process. Answered any and every question that I had and literally held my hand every step of the way and even answered questions I had after closing. One of the best loan officers I have ever encountered and far exceeded all of my expectations. I will recommend Kristy to anyone that is shopping for a home loan. Kristy thank you for everything!
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Brittany Butler
Posted on February 18, 2025
I had an amazing experience working with Kristy and Bank South for my mortgage. From start to finish, their communication was top-notch—they kept me informed every step of the way and were always available to answer my questions. The process was incredibly smooth, fast, and efficient. They were thorough in explaining everything, making sure I understood all my options, and worked diligently to get everything processed quickly. I truly appreciate their professionalism and attention to detail. I highly recommend Kristy to anyone looking for a reliable and stress-free mortgage experience!
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David Rhodes
Posted on February 15, 2025
Kristy and Gretchen made the entire process easy. Wonderful time working with BankSouth with the home buying process
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Mark Seal
Posted on January 19, 2025
Kristy was super fantastic. Answered all of my questions in a timely manner and made me fell comfortable with a stressful situation. Would definitely recommend Kristy to friends/family.
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Erin Grant
Posted on January 7, 2025
Thank you Kristy for being patient with me during the process!
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Erin Grant
Posted on December 28, 2024
My experience was absolutely amazing. Kristy was patient with me during times I didn’t understand as a first time homebuyer. Her team was amazing as well. My entire process was seamless which I honestly couldn’t believe. She communicated what was needed from me and continued to check on me during the process. I couldn’t be more grateful. Thank you so much Kristy and I wish you much much more success in your career!!
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Vinay Amrit
Posted on December 19, 2024
Highly recommend Kristy Ragsdale and her team. The process and communication was as prompt and responsive.
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Kevin Watkins
Posted on December 18, 2024
I had great communication with Kristy with Bank South every step of the way. Everything went smoothly.
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Chapelle Gomes
Posted on December 17, 2024
I had an excellent experience working with Ms Ragsdale. She was incredibly helpful throughout the entire process, always available to answer any questions I had, no matter how small. Her responses were prompt, clear, and thorough, which made the process much smoother. She was also patient and took the time to ensure I fully understood everything. Her knowledge and expertise were evident, and I truly appreciated her guidance. I highly recommend her to anyone in need of a dependable and knowledgeable loan officer!
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Michael Johnson
Posted on December 12, 2024
Kristy made it easy for us first time home buyers to navigate the loan process
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Marie Sanon
Posted on December 11, 2024
Again Kristy Ragsdale team is the best.
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Marvin Gomes
Posted on December 10, 2024
I had an excellent experience working with Ms. Ragsdale. She was incredibly helpful throughout the entire process, always available to answer any questions I had, no matter how small. Her responses were prompt, clear, and thorough, which made the process much smoother. She was also patient and took the time to ensure I fully understood everything. Her knowledge and expertise were evident, and I truly appreciated her guidance. I highly recommend her to anyone in need of a dependable and knowledgeable loan officer!
*Chapelle Gomes*
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LiAn Chapman
Posted on December 9, 2024
Working with Kristy was a dream! She was a part of a fabulous female team of super heros! The process was completed in record time. Every one should be lucky enough to have Kristy in their corner!
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Belle Molin
Posted on December 7, 2024
The Ragsdale team its wonderful and easy to work with, they keep you up to date on everything until the last minute of your closing. Very gooddd customer service.
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Delores Rapoport
Posted on December 4, 2024
I enjoyed working with Kristy. She was courteous, efficient and extremely knowledgeable. I posed differently situations to her and she always took the time to explain thoroughly and run the the pros and cons. Thanks Banksouth!
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Leslie Parker
Posted on December 2, 2024
Excellent experience! Could not have asked for a better company or a better person to help us with our home loan. I will recommend Kristy and BankSouth Mortgage to anyone I know looking to buy a home. We were first time home buyers and Kristy took all of the fear and anxiety out of the process! She was truly amazing!
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Leslie Parker
Posted on November 27, 2024
She was amazing to work with. Made the mortgage process simple and made us feel so comfortable. I will recommend her to everyone I know!
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Jason Valbuena Finol
Posted on November 25, 2024
Highly recommended, very friendly, her service is fantastic, thank you for your help
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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.