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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: 06/14/2026)
Veterans: Get Qualified for $0 Down|
Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Veterans: Make your VA benefit work for you | View Details Sponsored
|
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|
6.262% APR | 6.000% Rate 30 day rate lock | $1,919 Payment per month |
0.886 Points$2,835 Points Fee
|
$9,035 Total Fees$6,200 Lender Fees
|
30 Years Fixed | |
|
6.379% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.905 Points$2,896 Points Fee
|
$4,390 Total Fees$1,494 Lender Fees
|
30 Years Fixed | |
|
6.391% APR | 6.250% Rate 45 day rate lock | $1,971 Payment per month |
0.875 Points$2,800 Points Fee
|
$4,795 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.608% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.786 Points$2,515 Points Fee
|
$3,705 Total Fees$1,190 Lender Fees
|
30 Years Fixed | |
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| Veterans: Use your VA benefit to buy with 0% down | ||||||
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| As low as 0% down options & down payment assistance | ||||||
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| Numbers you can trust | ||||||
PENNYMAC |
6.289% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.409 Points$1,309 Points Fee
|
$1,309 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.
South Dakota Cities Resource
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