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: 03/15/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.989% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.897 Points$2,870 Points Fee
$4,060 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.853 Points$2,730 Points Fee
$4,025 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.313% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.352 Points$1,126 Points Fee
$2,121 Total Fees$995 Lender Fees
 30 Years Fixed
6.616% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.849 Points$2,717 Points Fee
$4,212 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.092% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.988 Points$3,162 Points Fee
$3,162 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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