Home Mortgage Loan Ratesin South Dakota

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in South Dakota and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 09/26/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
7.034% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.908 Points$2,906 Points Fee
$5,201 Total Fees$2,295 Lender Fees
 30 Years Fixed
7.121% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.981 Points$3,139 Points Fee
$4,329 Total Fees$1,190 Lender Fees
 30 Years Fixed
7.138% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.753 Points$2,410 Points Fee
$8,610 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.242% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.711 Points$2,275 Points Fee
$3,769 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.318% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
7.375% APR 7.250% Rate 45 day rate lock $2,183 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Buy with a $0 down payment when you qualify for a VA Loan
7.211% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.861 Points$2,755 Points Fee
$2,755 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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