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: 06/26/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.226% APR 6.125% Rate 35 day rate lock $1,945 Payment per month
0.643 Points$2,058 Points Fee
$3,453 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.244% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.507 Points$1,622 Points Fee
$8,422 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.265% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.602% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.724 Points$2,317 Points Fee
$3,507 Total Fees$1,190 Lender Fees
 30 Years Fixed
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6.197% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.768 Points$2,458 Points Fee
$2,458 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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