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: 08/18/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.387% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.821 Points$2,627 Points Fee
$4,627 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.389% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.758 Points$2,426 Points Fee
$4,721 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.460% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.546 Points$1,747 Points Fee
$2,937 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.492% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.790 Points$2,528 Points Fee
$3,923 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.500% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.720 Points$2,304 Points Fee
$8,504 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.632% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
6.341% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.968 Points$3,098 Points Fee
$3,098 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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