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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
685
Total Reviews

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S
Stacy Mcnair
Posted on September 1, 2026
5.0
Kristy was very easy to work along the entire process. The entire team made sure I understand the process step by step. Thank you to Kristy!
L
Leslie Trest
Posted on August 27, 2026
5.0
My experience with Bell South has been extremely organized and efficient. Kristy has been so easy to communicate and work with. My questions were always answered in a timely manner and emails kept me informed as the status of my loan. Closing was seamless!
J
Jim Beckman
Posted on August 24, 2026
5.0
Kristy did any excellent job from the first day we connected for our new home. She went out of her way to make the process user friendly and reasonable. She also has continued to be responsive since our loan was solid with trying to connect us with our new servicer who has been incredibly difficult to deal with so far. I highly recommend her!
S
Stella Adebayo
Posted on August 19, 2026
5.0
We had a wonderful experience working with Kristy throughout the home-buying process. She was professional, knowledgeable, responsive, and always willing to answer our questions and explain each step clearly. She kept us updated throughout the entire process and made sure everything stayed on track all the way through closing. Buying a home can be stressful, but her guidance, patience, and excellent communication made the process much smoother for us. We truly appreciate all of her hard work and dedication in helping us become homeowners. We would definitely recommend her to anyone looking for a reliable and supportive mortgage loan officer. Thank you for helping make our homeownership dream a reality!
S
Stella Adebayo
Posted on August 19, 2026
5.0
We had a great experience working with our Kristy. She was professional, responsive, and kept us informed throughout the entire process. She made everything smooth and stress-free from start to closing. We truly appreciate her support and would highly recommend her!
A
Albert Bodunrin
Posted on August 19, 2026
5.0
Kristy was so nice to work with and she's also knowledgeable
K
Kevin Padia
Posted on August 13, 2026
5.0
Very helpful had a great experience with you
A
Antwonette Lumpkin-boyer
Posted on August 11, 2026
5.0
Kristy Ragsdale was very professional and knowledgeable. She was familiar with the things I needed ensuring everything was done in a timely manner.
K
Kevin Padia
Posted on August 4, 2026
5.0
Very professional kept me up to date with my to do list
L
Linda Howard
Posted on July 31, 2026
5.0
Thank you Kristy for working this deal out, my client is so happy
J
Jack Jones
Posted on July 23, 2026
5.0
Kristy and her team was great to work with and made the process smooth and simple. When we need a mortgage or refi in the future we will be rescheduling out to Kristy.
R
Rodrikis Walker
Posted on July 17, 2026
5.0
Kristy and her team are awesome and worked with me every step of the way and made certain that I became a proud first time home owner.
J
James Beckman
Posted on July 1, 2026
5.0
Great experience overall.
M
Maureen Claffy
Posted on June 29, 2026
5.0
Kristy and her team made the entire mortgage process a great experience. They took the time to answer all of my questions and were always available whenever I needed assistance. Their professionalism, communication, and dedication made everything go smoothly from start to finish. I would highly recommend Kristy and her team to anyone looking to obtain a mortgage.
C
Charonne Gardner
Posted on June 14, 2026
5.0
Kristy is great to work with, great communication and knows the lending business!
J
Joseph Oelgoetz
Posted on June 14, 2026
5.0
Kristy professional, knowledgeable, and a great person to deal with.
J
Joe Oelgoetz
Posted on June 12, 2026
5.0
Professional, knowledgeable, and a great partner.
M
Mark Lagrande
Posted on June 11, 2026
5.0
Outstanding. Very smooth transaction!
A
Audra Twilley
Posted on June 3, 2026
5.0
I had a wonderful experience with Kristy Ragsdale and BankSouth. All communication from this team was clear and easy to navigate. I never once felt rushed or made to feel undervalued as a client. I blinked and I was done with Closing and stepping into my new home. I can’t thank BankSouth, and Kristy in particular, for their professionalism & prompt service.
A
Audra Twilley
Posted on June 3, 2026
5.0
I had a truly wonderful experience with BankSouth during my home‑buying journey. From day one, Kristy Ragsdale was right there guiding me through every step of the process. I knew immediately during our initial consult that She was dedicated and possessed a solid work ethic after She took the time to complete my application over the phone. She could have just as easily sent me to the online portal to complete this task. She was consistently accessible, quick to respond to any concerns or questions, and her communication was always clear and easy to follow. Her reassurance and steady support made all the difference—I always felt confident that she would get me to the closing table smoothly, and she absolutely did. The entire experience was seamless, professional, and far less stressful than I ever expected a home purchase to be. I’m incredibly thankful for the level of care and service I received and feel completely confident that I chose the right lender. BankSouth, and especially Kristy, made this milestone a positive and memorable experience.

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