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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: 11/18/2025)
Veterans: Get Qualified for $0 Down|
Lender
|
APR
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Rate
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Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Veterans: Get the most from your VA benefits & budget | View Details Sponsored
|
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6.122% APR | 6.000% Rate 30 day rate lock | $1,919 Payment per month |
0.947 Points$3,030 Points Fee
|
$4,358 Total Fees$1,328 Lender Fees
|
30 Years Fixed | |
|
6.139% APR | 6.000% Rate 45 day rate lock | $1,919 Payment per month |
0.875 Points$2,800 Points Fee
|
$4,795 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.217% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.977 Points$3,126 Points Fee
|
$3,126 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.234% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.945 Points$3,024 Points Fee
|
$3,724 Total Fees$700 Lender Fees
|
30 Years Fixed | |
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| Numbers you can trust | ||||||
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| $0 down payment for Veterans homebuying with a VA Loan | ||||||
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| 0% down payment USDA Loan options | ||||||
PENNYMAC |
5.947% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.779 Points$2,493 Points Fee
|
$2,493 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.
South Dakota Cities Resource
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