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Home Refinance Loan Ratesin South Dakota
Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.
(Last Updated: 09/11/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Pay $0 origination fees and keep more money in your pocket | View Details Sponsored
|
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|
6.782% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.750 Points$2,400 Points Fee
|
$5,195 Total Fees$2,795 Lender Fees
|
30 Years Fixed | |
|
6.837% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.548 Points$1,754 Points Fee
|
$2,944 Total Fees$1,190 Lender Fees
|
30 Years Fixed | |
|
6.841% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.938 Points$3,002 Points Fee
|
$3,002 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.957% APR | 6.875% Rate 30 day rate lock | $2,103 Payment per month |
0.523 Points$1,674 Points Fee
|
$2,910 Total Fees$1,236 Lender Fees
|
30 Years Fixed | |
|
6.979% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.236 Points$755 Points Fee
|
$7,555 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.997% APR | 6.875% Rate 45 day rate lock | $2,103 Payment per month |
0.625 Points$2,000 Points Fee
|
$3,995 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
7.013% APR | 6.875% Rate 30 day rate lock | $2,103 Payment per month |
0.939 Points$3,005 Points Fee
|
$4,499 Total Fees$1,494 Lender Fees
|
30 Years Fixed | |
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| Refinance to lower your rate | ||||||
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| Discover multiple refinance options | ||||||
PENNYMAC |
6.838% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.904 Points$2,893 Points Fee
|
$2,893 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
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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