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: 04/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.120% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.988 Points$3,162 Points Fee
$4,457 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.132% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.666 Points$2,131 Points Fee
$8,931 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.254% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.479% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.752 Points$2,406 Points Fee
$3,596 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.504% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.886 Points$2,835 Points Fee
$4,330 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.073% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.889 Points$2,845 Points Fee
$2,845 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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