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: 07/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.452% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.460% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.578 Points$1,850 Points Fee
$3,086 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.485% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.366 Points$1,171 Points Fee
$7,971 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.532% APR 6.490% Rate 35 day rate lock $2,021 Payment per month
0.000 Points$0 Points Fee
$1,395 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.608% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.500 Points$1,600 Points Fee
$3,595 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.754% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.995 Points$3,184 Points Fee
$4,374 Total Fees$1,190 Lender Fees
 30 Years Fixed
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6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.908 Points$2,906 Points Fee
$2,906 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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