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
596
Total Reviews
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Wil Lawson
Posted on May 10, 2025
Kristy and Daniel did a tremendous job for me --- a first-time homebuyer. The lender credit of $7,500 was what initially caught my eye and made me reach out to BankSouth Mortgage. The Team reviewed my information and decided an FHA loan was best for my situation. I am happy with the rate and enjoyed the process as I did learn a lot. I definitely recommend this Team to anyone who may be nervous about the mortgage process and is looking to improve their overall financial knowledge.
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Wil Lawson
Posted on May 8, 2025
I am a first-time homebuyer that closed yesterday morning. Kristy, Daniel, and the rest of the BankSouth Mortgage team made the mortgage application/final approval process smooth. I highly recommend this team to anyone looking to purchase as they will go over options that suit you best! Thanks again Team!
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Anna Potts
Posted on May 5, 2025
Kristy with BankSouth was very good at communicating efficiently and was very knowledgeable about the loan process. She was very helpful for a first time homebuyer! BankSouth overall was great to work with!
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Nicole Marshall
Posted on May 1, 2025
It was a pleasure to have Kristy Ragsdale has my loan officer. And I am so overwhelmed with joy and gratitude to have worked with Kristy. If I would have had the option to choose anyone else. I wouldn’t have. I must say that Kristy stands out when It comes to being professional, doesn’t cut any corners and very smart. A very loyal and dedicated worker. All of this being said , the best . Thank you Kristy for making this happen for me and my kids we love you and God bless you .
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Heather Killgo
Posted on May 1, 2025
Kristy was incredible to work with. She helped us through a tough issue with multiple solutions. She is professional, highly responsive and extremely knowledgeable. Highly recommend!
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Alexis Martin
Posted on April 18, 2025
Kristy did an amazing job getting us the best rate possible. She was very responsive and went back to check our VA entitlements to make sure everything was good. I would definitely use her again, thank you for making this super easy for us!!
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Alexis Martin
Posted on April 18, 2025
Kristy did an amazing job getting us the best rate possible. She was very responsive and went back to check out VA entitlements to make sure everything was good. I would definitely use her again, thank you for making this super easy for us!!
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Cesar Garay
Posted on April 7, 2025
It was my First Time Buying a Home and was concerned about not understanding everything but Kristy made sure I was comfortable and made everything easy to understand and was very helpful!
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Michael Fox
Posted on March 29, 2025
Kristy is an exceptional mortgage lender professional. I've purchsed 9 homes in my life and this was by far the easiest and less stressful. Kristy had a mastery of the process and quickly answered any of my questions and always avaialbe to support my executive transfer requirments with Cartus relocation agency. She found the best rate and even though Cartus was pressuring me to go with thier lendors, I felt super confortable with Kristy and her team and stayed with them to the end. I was shocked at the ease we made it through underwritting and I was not overwhelmed with requirments not covered prior to underwritting. I was so impressed with her performance, I plan to refinance one of my homes in GA with her prior to the end of the year.
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David Pena
Posted on March 24, 2025
Excellent in every way possible. Every time we communicated she was very helpful and kept me aware of what was coming ahead. Great personality that made me feel at ease and made the whole process enjoyable.
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David Pena
Posted on March 20, 2025
From day one, Kristy Ragsdale was so courteous, friendly, and with such a sweet disposition to help me along the path to purchase a home. She always answered all of my concerns at a moments notice. I did not get a chance to thank her but I am grateful for all she did and her group. I highly recommend her.
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David Puckett
Posted on March 14, 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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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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Deborah Hampton
Posted on March 4, 2025
Thankful!
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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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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.
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