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Kristy Ragsdale
VP, Senior Mortgage Banker
NMLS ID #: 219428
Office: (770) 709-6740
Mobile: (770) 652-4727
Fax: (678) 551-7134

Kristy is an Atlanta native and a licensed mortgage loan originator. 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 14 years experience in assisting buyers in achieving the American dream of home ownership. She is here to assist you with any questions or guidance needed through the lending process.

Customer Testimonials

Kristy was always there to answer my questions, even after the sale. She cares.

Teresa T.

Kristy did an awesome job helping us understand and get through the process. She was excellent!

Mollie B.

I want to compliment Kristy and the BankSouth Mortgage team for the way you truly cared for me and the extra effort that you took to ensure that the process had a successful outcome. Every email received prompt attention, questions were answered quickly, and responses used a pleasant tone. The process of buying a home can be stressful and unexpectedly expensive. I feel that all of you did your very best to pave the road and smooth out the bumps that would add to that stress. I am very happy with my new home, so once again, thank you for all you did to help make my dream a reality.

S. G.

Great customer service and very knowledgeable of any question we had!

Derrick L.

Kristy provided very prompt replies to any and all questions we had - very knowledgeable.

Samuel T.

Kristy seems to be adept at handling closing transactions and answered all of our questions promptly and clearly. We closed on schedule and every single part of transaction was in order! Good job, Kristy! We appreciated her hard work!

Elizabeth B.

Kristy made the loan process easy and know exactly what she was doing.

Eric A.

You are the best hands down! I thought that you may want to know that you are the very best at what you do. This is not an opinion, it is a fact! My client called all 3 lenders. You were literally THE only lender of the 3 that this buyer was even considering using. He was willing to use an outside lender and give up the $4,000 in seller-paid closing costs UNTIL he spoke to you. You rock!

Dana B.

I would definitely refer anyone looking to purchase a home to Kristy and her team. Even if you're working with someone give them a chance to tell you what they can do for you. I was happy with a lender but when I made the choice to work with this team my experience became even better. Not only are they professional, they are expeditious. Team Ragsdale works around the clock. Always ready to answer questions and help in any way possible. From start to finish, I appreciated the help of this crew.

Jonathan M.

Kristy took the time to answer every question I had. She was excellent.

Courtney C.

Overall great team to work with. Everyone on Kristy's staff is very nice and friendly; would definitely do business again. By the way this was our second time around using Kristy and her team!

Tammie T.

My wife and I would like to thank each and every one of you for your role in my loan process. This is our first home, and I don’t think the procedure could have been any smoother. Leading up to our decision to buy a house, everyone we spoke with agreed that the closing/loan process is nightmarish. However, the closing was very easy and took only an hour to sign all the papers. It was a very pleasant experience, and I would recommend this team to anyone. I know that people generally don’t give enough appreciation where it’s needed. With that being said, thank you again for all your help and diligence!


Kristy and her team were extremely responsive and knowledgeable. They qualified us early in the process so that the whole experience was smooth and easy.

Simeen A.

You guys make a awesome team. They really worked hard to make sure my family and I got into the house. It was a long journey for us, but we had a great team behind us that kept pushing me not to give up because at some points I just wanted to give up. But, I’m glad I had them as my team. They will get the job done!! Laura and Kristy will make sure you have everything you need and are willing to help you along the way if it’s anything you don’t understand or need help with.

Kimesha M.

Kristy, you took care of me in the beginning making sure I was on the straight and narrow. You were very professional and got right to the point when you needed something or I needed answers. You helped me grow more with my finances with your knowledge. And I want to say thank you again again. You have been all awesome and took care of me and I can't thank you enough.

Athelia L.

Kristy and her team were amazing! She was very transparent. She let me know upfront everything that I needed to do for approval. Kristy and her team were very prompt, thorough, professional, patient, informative, and right on the money for my closing transaction. There were no kinks or unexpected surprises. The process was smooth and easy. I did not feel rushed or too overwhelmed. 5 star service!

Renae G.

Kristy and her team made the loan process simple for us. She was very clear about all documentation needed and communicated clearly via e-mail. Kristy made herself available at all times. I would highly recommended placing your business in the trustworthy hands of this team. I am truly appreciative.

Barresha P.

They almost felt like family with the amount of communication and determination to get things done. Would definitely recommend to everyone I know.

Marcus O.

She was very professional and knowledgeable. She catered to our needs with things we didn't know we needed. She helped us get through it with her knowledge and she also is very friendly. She responded quickly when we had questions.

Michael W.

Kristy went above and beyond her call of duty to be sure that I got a mortgage and to get me into my home. Thank you again, Kristy - couldn't have done it without you!

Sharon C.

Kristy kept me in the loop all the time, no matter how small the detail.

Catherine H.