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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
638
Total Reviews

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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
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.
E
Edward Savage
Posted on October 8, 2025
5.0
The experience was outstanding
V
Vertina Blakney
Posted on October 3, 2025
5.0
The process was extremely smooth and not stressful
M
Michael Latimore
Posted on October 2, 2025
5.0
Kristy is amazing and pleasure to work with. Highly recommend.
A
Allyson Foster
Posted on September 29, 2025
5.0
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!
N
Nayla BE
Posted on September 20, 2025
5.0
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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