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Personal Banking

At BankSouth, we value the trust you place in us to safeguard your cash and work every day to ensure you have easy and secure access whenever you need it.

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Business Banking

Business Banking

BankSouth has been helping business owners launch and grow their businesses in the community for generations.  Whether you’re opening a new location or expanding your existing one, we’re ready to help.

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Online Access

BankSouth offers immediate and easy access to your mobile and online banking. You can also apply for and review your ReadyLoan mortgage application.

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Mortgage

Mortgage

For over ten years, BankSouth has helped thousands of families finance their homes.  We know how daunting this may be, but we take the worry and hassle out of the process.

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Kristy Ragsdale

VP, Senior Mortgage Banker
NMLS ID # : 219428
(770) 709-6740 (770) 652-4727
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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.

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What Kristy's Customers Say About Her
"The Kristy Ragsdale team is top-notch! This is the second time we’ve worked with her for mortgage financing and we’ve been more than pleased with the process from start to finish!"
Michael G.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"I've been in real estate almost 20 years and have yet to find a mortgage professional as efficient, knowledgeable and matter of fact as Kristy. You don't EVER have to wonder where your file stands, you are kept up to date throughout the entire process. The relationships she has built throughout her career is an advantage for you and your clients. She makes it happen."
Courtney S.
What Kristy's Customers Say About Her
"Kristy is always patient, knowledgeable, professional and personable. We worked with her a year ago to finance our new construction home and she was the only one I considered for our mortgage refi! This transaction was completed painless and in record time! Thank you and your team, Kristy!"
Mary G.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"Our mortgage experience exceeded our expectations! Kristy and her team made the process stress free. They always answered our calls and emails immediately. I highly recommend Kristy Ragsdale! You will not find a more upbeat, positive, and professional mortgage banker."
Shannon S.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"Great customer service and very knowledgeable of any question we had!"
Derrick L.
What Kristy's Customers Say About Her
"Kristy took her time and made sure everything was done correctly. My underwriting process went so quick from the work Kristy put in. I can't thank her enough!"
Ashley M.
What Kristy's Customers Say About Her
"We are senior citizens. We don't always understand the ins and outs of the mortgage world. Kristy was kind. She held our hands through the process. Thank you!"
Ronald B.
What Kristy's Customers Say About Her
"Kristy made the loan process easy and know exactly what she was doing."
Eric A.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"Kristy made my first home buying experience a pleasure. Every time I called her with questions or concerns she would get right back to me. Communication is everything to me!"
Torriah H.
What Kristy's Customers Say About Her
"Kristy kept me in the loop all the time, no matter how small the detail."
Catherine H.
What Kristy's Customers Say About Her
"She is friendly and easy to talk to. Kristy answered all my many questions."
Rebecca B.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"Kristy took the time to answer every question I had. She was excellent."
Courtney C.
What Kristy's Customers Say About Her
"Kristy promptly answered every question we had during our house buying process. She was always very kind, helpful and knowledgeable, which made the process smooth and pleasant. Thanks so much Kristy!!"
Angela W.
What Kristy's Customers Say About Her
"Kristy did an awesome job helping us understand and get through the process. She was excellent!"
Mollie B.
What Kristy's Customers Say About Her
"Kristy provided very prompt replies to any and all questions we had - very knowledgeable."
Samuel T.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"Kristy was always there to answer my questions, even after the sale. She cares."
Teresa T.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"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!"
J.M.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"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.
What Kristy's Customers Say About Her
"Kristy went far beyond what most companies provide in customer service. She was very patient with my wife and I trying to get everything prepared. Kristy is a huge asset to your company and I would recommend her services to anyone. Side note, Kristy's professionalism is a big reason we won the contract for this home. The sellers were very impressed with her knowledge but most of all her professionalism. Thank you, Kristy!"
Ronald P.
What Kristy's Customers Say About Her
"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.
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Contact Kristy Ragsdale Today

Contact Kristy to learn more about how she can assist you with your mortgage needs.

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