South Dakota

Today's South Dakota (SD) Mortgage Rates


Flagstar Bank
NMLS # 417490
3.905% APR
3.875% RATE
0 Points
30 day lock
Fees: $905
Monthly Payment
$1,175.59

NEXT  
3.769% APR
3.750% RATE
0 Points
30 day lock
Fees: $570
Monthly Payment
$1,157.79

NEXT  

QuickenLoans
NMLS # 3030
4.397% APR
4.375% RATE
0 Points
30 day lock
Fees: $650
Monthly Payment
$1,248.21

NEXT  

EverBank
NMLS # 399805
3.930% APR
3.875% RATE
0 Points
30 day lock
Fees: $1,665
Monthly Payment
$1,175.59

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


South Dakota (SD) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 211,557
  • Loan purchased by the institution: 67,036
  • Application denied by financial institution: 49,719
  • Application withdrawn by applicant: 27,221
  • Application approved but not accepted: 21,190
  • File closed for incompleteness: 5,519
  • Preapproval request denied by financial institution: 1

  • Refinancing: 207,024
  • Home purchase: 146,959
  • Home improvement: 28,260

  • Conventional: 285,812
  • FHA-insured: 53,852
  • VA-guaranteed: 24,850
  • FSA/RHS-guaranteed: 17,729

  • White: 310,910
  • Not applicable: 42,819
  • Information not provided by applicant in mail, Internet, or telephone application: 19,662
  • American Indian or Alaska Native: 4,306
  • Asian: 2,106
  • Black or African American: 1,883
  • Native Hawaiian or Other Pacific Islander: 557

  • Not Hispanic or Latino: 314,205
  • Not applicable: 42,882
  • Information not provided by applicant in mail, Internet, or telephone application: 20,883
  • Hispanic or Latino: 4,273

  • Male: 242,243
  • Female: 82,262
  • Not applicable: 42,829
  • Information not provided by applicant in mail, Internet, or telephone application: 14,909

  • Office of the Comptroller of the Currency: 112,319
  • Consumer Financial Protection Bureau: 66,506
  • Federal Deposit Insurance Corporation: 58,477
  • Department of Housing and Urban Development: 51,139
  • Federal Reserve System: 43,363
  • National Credit Union Administration: 29,503
  • Office of Thrift Supervision: 20,936

  • Minnehaha County: 107,680
  • Pennington County: 57,375
  • Lincoln County: 41,661
  • Brown County: 15,508
  • Codington County: 15,059
  • Meade County: 14,492
  • Lawrence County: 13,578
  • Brookings County: 11,547
  • Yankton County: 9,038
  • Union County: 8,540
  • Davison County: 8,428
  • Hughes County: 7,517
  • Lake County: 5,520
  • Custer County: 4,543
  • Clay County: 4,505
  • Turner County: 4,244
  • Butte County: 4,203
  • Fall River County: 2,892
  • Hamlin County: 2,793
  • Grant County: 2,738
  • Beadle County: 2,644
  • McCook County: 2,524
  • Moody County: 2,392
  • Day County: 2,114
  • Roberts County: 1,665
  • Hutchinson County: 1,614
  • Deuel County: 1,611
  • Walworth County: 1,505
  • Brule County: 1,435
  • Bon Homme County: 1,352
  • Hanson County: 1,311
  • Charles Mix County: 1,307
  • Edmunds County: 1,304
  • Stanley County: 1,298
  • Unknown: 1,278
  • Kingsbury County: 1,277
  • Spink County: 1,195
  • Clark County: 1,106
  • Marshall County: 972
  • Tripp County: 851
  • Hand County: 597
  • Miner County: 577
  • Gregory County: 562
  • Potter County: 551
  • Aurora County: 521
  • Perkins County: 516
  • Douglas County: 480
  • Lyman County: 477
  • Sanborn County: 449
  • Bennett County: 442
  • Sully County: 442
  • Shannon County: 409
  • Faulk County: 389
  • Dewey County: 364
  • Haakon County: 331
  • Todd County: 331
  • Jerauld County: 294
  • McPherson County: 293
  • Hyde County: 268
  • Corson County: 260
  • Campbell County: 230
  • Jackson County: 223
  • Harding County: 210
  • Mellette County: 120
  • Jones County: 105
  • Ziebach County: 101
  • Buffalo County: 85

  • Sioux Falls – SD: 155,992
  • Unknown: 145,034
  • Rapid City – SD: 72,681
  • Sioux City – IA, NE, SD: 8,536

  • Unknown: 348,444
  • Credit history: 10,235
  • Debt-to-income ratio: 8,127
  • Collateral: 7,556
  • Other: 3,195
  • Credit application incomplete: 2,681
  • Unverifiable information: 943
  • Insufficient cash (downpayment, closing costs): 525
  • Employment history: 499
  • Mortgage insurance denied: 38

  • Not a HOEPA loan: 381,181
  • HOEPA loan: 1,062

  • Secured by a first lien: 284,596
  • Not applicable: 67,036
  • Secured by a subordinate lien: 23,722
  • Not secured by a lien: 6,889

  • Owner-occupied as a principal dwelling: 352,567
  • Not owner-occupied as a principal dwelling: 27,324
  • Not applicable: 2,352

  • One-to-four family dwelling (other than manufactured housing): 367,598
  • Manufactured housing: 13,013
  • Multifamily dwelling: 1,632

  • Loan was not originated or was not sold in calendar year covered by register: 176,571
  • Fannie Mae (FNMA): 62,653
  • Ginnie Mae (GNMA): 33,768
  • Other type of purchaser: 26,782
  • Freddie Mac (FHLMC): 26,625
  • Life insurance company, credit union, mortgage bank, or finance company: 25,916
  • Commercial bank, savings bank or savings association: 21,298
  • Affiliate institution: 7,721
  • Private securitization: 852
  • Farmer Mac (FAMC): 57