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Personal Banking

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

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.
Homebuyer
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.
Homebuyer
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.
Homebuyer
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.
Homebuyer
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.
Homebuyer
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.
Homebuyer
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.
Homebuyer
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.
Homebuyer
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.
Homebuyer
What Kristy's Customers Say About Her
"Great customer service and very knowledgeable of any question we had!"
Derrick L.
Homebuyer
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Contact Kristy Ragsdale Today

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

Apply Now