Huron Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Huron averaged 6.92% for the week of 2025-07-10, compared to the national average of 6.72% for the same period.

    The average rate for the prior week (2025-07-03) was 6.47% and one month ago for the week of 2025-06-05, the average rate was 6.95%.

    Huron's average rate one year ago was 6.85%.

    For refis of the same type during the week of 2025-07-10, the average rate was 6.92%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-10 6.72%
    Huron 30 Year Fixed Rate 2025-07-10 6.92%
    Huron 30 Year Fixed Rate Refi 2025-07-10 6.92%
    Huron 15 Year Fixed Rate 2025-07-10 5.86%
    Huron 15 Year Fixed Rate Refi 2025-07-10 5.96%
    Huron 30 Year FHA 2025-07-10 6.32%
    Huron 30 Year FHA Refi 2025-07-10 6.82%
    Huron 30 Year USDA 2025-07-10 6.45%
    Huron 30 Year USDA Refi 2025-07-10 6.35%
    Huron 30 Year VA 2025-07-10 6.57%
    Huron 30 Year VA Refi 2025-07-10 6.27%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Huron, SD.

    Huron Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Huron, SD market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    American Bank & Trust 26 6.20% $4,874
    Plains Commerce Bank 9 6.33% $5,026
    Wells Fargo Bank 4 6.75% $3,622
    QUICKEN LOANS, LLC 4 6.66% $4,659
    First National Bank of Omaha 2 6.88% $3,709
    NAVY FEDERAL CREDIT UNION 2 6.63% $2,942
    Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $7,012
    NEWREZ LLC 1 7.75% $4,175
    PENNYMAC LOAN SERVICES, LLC 1 6.99% $10,090
    BMO Harris Bank 1 8.00% $3,743
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.88% $8,257
    AMERICAN FINANCING CORPORATION 1 5.25% $5,961
    Reliabank Dakota 1 6.75% $2,605
    U.S. Bank 1 6.38% $4,165
    First Dakota National Bank 1 6.50% $2,087
    Dacotah Bank 1 6.38% $4,032
    First PREMIER Bank 1 7.00% $2,218

    Huron Average Closing Costs & Other Stats

    Huron, SD's 17 lenders originated 180 loans during 2024. The total origination value was $34,350,000, with an average loan value of $190,833.

    Huron's average closing costs are $4,826.

    The top Huron lender as defined by loan originations is American Bank & Trust, with 26 loans originated. Their average total fees are $4,874, which is $151 lower than the next largest lender, Plains Commerce Bank.

    The lowest fee Huron lenders (with over 10 loans originated) are American Bank & Trust ($4,874), .

    The lowest rate Huron lenders (with over 10 loans originated) are American Bank & Trust (6.20%), .

    Huron, SD Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    American Bank & Trust $20,875,000 $12,195,000 -41.6% 35.5%
    First National Bank $5,430,000 $8,665,000 59.6% 25.2%
    Plains Commerce Bank $2,390,000 $2,705,000 13.2% 7.9%
    QUICKEN LOANS, LLC $1,015,000 $1,235,000 21.7% 3.6%
    PENNYMAC LOAN SERVICES, LLC $55,000 $970,000 1,663.6% 2.8%
    BANKWEST, INC. $1,150,000 $955,000 -17.0% 2.8%
    Wells Fargo Bank $75,000 $675,000 800.0% 2.0%
    NEW DAY FINANCIAL, LLC $245,000 $565,000 130.6% 1.6%
    CROSSCOUNTRY MORTGAGE, LLC $305,000 $515,000 68.9% 1.5%
    Servion, Inc. $890,000 $510,000 -42.7% 1.5%
    NAVY FEDERAL CREDIT UNION $185,000 $430,000 132.4% 1.3%
    Mortgage Research Center, LLC $985,000 $350,000 -64.5% 1.0%
    AMERISAVE MORTGAGE CORPORATION $115,000 $320,000 178.3% 0.9%
    U.S. Bank $85,000 $320,000 276.5% 0.9%
    NEWREZ LLC $345,000 $305,000 -11.6% 0.9%
    ZILLOW HOME LOANS, LLC $275,000 n/a 0.8%
    Deere Employees Credit Union $250,000 $245,000 -2.0% 0.7%
    First PREMIER Bank $875,000 $225,000 -74.3% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $225,000 n/a 0.7%
    First National Bank of Omaha $360,000 $220,000 -38.9% 0.6%
    First Dakota National Bank $105,000 $195,000 85.7% 0.6%
    CMG MORTGAGE, INC. $185,000 n/a 0.5%
    GENEVA FINANCIAL, LLC $185,000 n/a 0.5%
    The First National Bank in Sioux Falls $185,000 n/a 0.5%
    First Bank & Trust $45,000 $165,000 266.7% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $165,000 n/a 0.5%
    First International Bank & Trust $155,000 $155,000 0.0% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $155,000 n/a 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $185,000 $145,000 -21.6% 0.4%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $145,000 n/a 0.4%
    BMO Harris Bank $80,000 $130,000 62.5% 0.4%
    Dacotah Bank $115,000 n/a 0.3%
    Reliabank Dakota $115,000 n/a 0.3%
    Discover Bank $110,000 n/a 0.3%
    Wyoming Bank & Trust $95,000 n/a 0.3%
    AMERICAN FINANCING CORPORATION $65,000 n/a 0.2%
    First National Bank of America $55,000 n/a 0.2%
    Rivers Edge Bank $65,000 $55,000 -15.4% 0.2%
    FINANCE OF AMERICA REVERSE LLC $55,000 $25,000 -54.5% 0.1%

    Huron's top lender by overall market share is American Bank & Trust, with 35.5% market share. In second place, with 25.2%, is First National Bank, having originated $8,665,000 in loans. In third place, with 7.9%, is Plains Commerce Bank, having originated $2,705,000 in loans. In fourth place, with 3.6%, is QUICKEN LOANS, LLC, having originated $1,235,000 in loans. In fifth place, with 2.8%, is PENNYMAC LOAN SERVICES, LLC, having originated $970,000 in loans.

    Huron Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Huron (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $149,675 (4.2%) $184,752 (15.1%) 0.00 94
    2018-02-01 $149,950 (10.1%) $189,863 (21.5%) 0.00 90
    2018-03-01 $167,400 (14.5%) $194,141 (22.8%) 0.00 96
    2018-04-01 $179,900 (26.3%) $193,394 (24.1%) 0.00 105
    2018-05-01 $179,000 (19.4%) $191,521 (15.4%) 0.00 112
    2018-06-01 $172,450 (14.5%) $189,677 (7.1%) 0.00 120
    2018-07-01 $168,725 (7.5%) $185,613 (5.0%) 0.00 130
    2018-08-01 $160,425 (0.3%) $182,410 (-1.8%) 0.00 132
    2018-09-01 $159,900 (4.6%) $179,468 (-1.8%) 0.00 133
    2018-10-01 $159,500 (7.0%) $177,600 (-2.4%) 0.00 122
    2018-11-01 $163,200 (14.6%) $178,002 (-0.8%) 0.00 112
    2018-12-01 $159,900 (15.1%) $176,538 (-1.9%) 0.00 110
    2019-01-01 $159,000 (6.2%) $174,181 (-5.7%) 0.00 100
    2019-02-01 $157,625 (5.1%) $171,279 (-9.8%) 0.00 100
    2019-03-01 $157,100 (-6.2%) $173,621 (-10.6%) 0.00 95
    2019-04-01 $163,200 (-9.3%) $179,871 (-7.0%) 0.00 93
    2019-05-01 $161,925 (-9.5%) $175,404 (-8.4%) 0.00 99
    2019-06-01 $159,450 (-7.5%) $176,971 (-6.7%) 0.00 101
    2019-07-01 $159,225 (-5.6%) $172,174 (-7.2%) 0.00 106
    2019-08-01 $154,664 (-3.6%) $171,071 (-6.2%) 0.00 116
    2019-09-01 $151,984 (-5.0%) $175,711 (-2.1%) 0.00 116
    2019-10-01 $150,198 (-5.8%) $178,805 (0.7%) 0.00 117
    2019-11-01 $157,250 (-3.7%) $178,569 (0.3%) 0.00 108
    2019-12-01 $154,700 (-3.3%) $178,265 (1.0%) 0.00 103
    2020-01-01 $153,650 (-3.4%) $169,475 (-2.7%) 0.00 100
    2020-02-01 $158,250 (0.4%) $173,648 (1.4%) 0.00 106
    2020-03-01 $157,975 (0.6%) $180,264 (3.8%) 0.00 101
    2020-04-01 $156,125 (-4.3%) $182,204 (1.3%) 0.00 94
    2020-05-01 $159,950 (-1.2%) $174,369 (-0.6%) 0.00 98
    2020-06-01 $159,350 (-0.1%) $169,062 (-4.5%) 0.00 95
    2020-07-01 $159,700 (0.3%) $165,754 (-3.7%) 0.00 80
    2020-08-01 $159,000 (2.8%) $172,148 (0.6%) 0.00 79
    2020-09-01 $164,950 (8.5%) $177,973 (1.3%) 0.00 78
    2020-10-01 $154,950 (3.2%) $171,279 (-4.2%) 0.00 76
    2020-11-01 $146,310 (-7.0%) $158,159 (-11.4%) 0.00 80
    2020-12-01 $147,925 (-4.4%) $161,921 (-9.2%) 0.00 71
    2021-01-01 $149,900 (-2.4%) $164,039 (-3.2%) 0.00 60
    2021-02-01 $148,475 (-6.2%) $173,412 (-0.1%) 0.00 55
    2021-03-01 $154,425 (-2.3%) $187,402 (4.0%) 0.00 54
    2021-04-01 $153,650 (-1.6%) $224,316 (23.1%) 0.00 55
    2021-05-01 $179,450 (12.2%) $239,671 (37.5%) 0.00 48
    2021-06-01 $188,900 (18.5%) $252,009 (49.1%) 0.00 42
    2021-07-01 $199,700 (25.1%) $277,790 (67.6%) 0.00 37
    2021-08-01 $180,400 (13.5%) $272,612 (58.4%) 0.00 39
    2021-09-01 $182,025 (10.4%) $272,915 (53.4%) 0.00 42
    2021-10-01 $176,950 (14.2%) $263,533 (53.9%) 0.00 45
    2021-11-01 $165,913 (13.4%) $259,365 (64.0%) 0.00 46
    2021-12-01 $164,225 (11.0%) $257,358 (58.9%) 0.00 45
    2022-01-01 $158,700 (5.9%) $264,212 (61.1%) 0.00 36
    2022-02-01 $178,450 (20.2%) $253,317 (46.1%) 0.00 33
    2022-03-01 $157,300 (1.9%) $241,955 (29.1%) 0.00 28
    2022-04-01 $182,000 (18.5%) $261,527 (16.6%) 0.00 24
    2022-05-01 $178,750 (-0.4%) $250,314 (4.4%) 0.00 27
    2022-06-01 $195,000 (3.2%) $262,915 (4.3%) 0.00 27
    2022-07-01 $164,700 (-17.5%) $222,568 (-19.9%) 0.00 36
    2022-08-01 $160,100 (-11.3%) $213,263 (-21.8%) 0.00 43
    2022-09-01 $167,000 (-8.3%) $222,363 (-18.5%) 0.00 39
    2022-10-01 $194,950 (10.2%) $242,231 (-8.1%) 0.00 37
    2022-11-01 $188,725 (13.8%) $242,166 (-6.6%) 0.00 37
    2022-12-01 $209,000 (27.3%) $261,017 (1.4%) 0.00 37
    2023-01-01 $197,950 (24.7%) $248,426 (-6.0%) 0.00 36
    2023-02-01 $206,725 (15.8%) $260,733 (2.9%) 0.00 35
    2023-03-01 $199,900 (27.1%) $264,944 (9.5%) 0.00 37
    2023-04-01 $210,000 (15.4%) $272,762 (4.3%) 0.00 36
    2023-05-01 $204,900 (14.6%) $260,216 (4.0%) 0.00 46
    2023-06-01 $212,500 (9.0%) $268,616 (2.2%) 0.00 48
    2023-07-01 $227,250 (38.0%) $269,156 (20.9%) 0.00 43
    2023-08-01 $245,250 (53.2%) $277,784 (30.3%) 0.00 42
    2023-09-01 $249,450 (49.4%) $286,207 (28.7%) 0.00 37
    2023-10-01 $205,675 (5.5%) $246,416 (1.7%) 0.00 36
    2023-11-01 $217,000 (15.0%) $248,946 (2.8%) 0.00 37
    2023-12-01 $191,950 (-8.2%) $233,347 (-10.6%) 0.00 37
    2024-01-01 $184,700 (-6.7%) $202,718 (-18.4%) 0.00 39
    2024-02-01 $175,950 (-14.9%) $206,267 (-20.9%) 0.00 39
    2024-03-01 $189,000 (-5.5%) $219,795 (-17.0%) 0.00 41
    2024-04-01 $201,675 (-4.0%) $241,091 (-11.6%) 0.00 42
    2024-05-01 $218,250 (6.5%) $248,954 (-4.3%) 0.00 46
    2024-06-01 $249,900 (17.6%) $301,369 (12.2%) 0.00 40
    2024-07-01 $249,900 (10.0%) $288,633 (7.2%) 0.00 43
    2024-08-01 $230,000 (-6.2%) $265,078 (-4.6%) 0.00 47
    2024-09-01 $238,500 (-4.4%) $273,311 (-4.5%) 0.00 38
    2024-10-01 $219,350 (6.7%) $258,834 (5.0%) 0.00 59
    2024-11-01 $209,900 (-3.3%) $260,525 (4.7%) 0.00 79
    2024-12-01 $214,950 (12.0%) $276,881 (18.7%) 0.00 41
    2025-01-01 $228,750 (23.9%) $300,006 (48.0%) 0.00 32
    2025-02-01 $234,999 (33.6%) $295,003 (43.0%) 0.00 38
    2025-03-01 $227,500 (20.4%) $281,234 (28.0%) 0.00 48
    2025-04-01 $223,750 (11.0%) $265,299 (10.0%) 0.00 65
    2025-05-01 $234,999 (7.7%) $288,516 (15.9%) 0.00 49
    2025-06-01 $249,900 (0.0%) $313,812 (4.1%) 0.00 45
    Huron's median listing price for 2025-06-01 was $249,900, a difference of $0 (0.0%) versus the prior year and $14,901 versus the prior month.

    Huron's median listing price comes in at 0% of the national average.

    Huron's average listing price for 2025-06-01 was $313,812, a difference of $12,443 (4.1%) versus the prior year and $25,296 versus the prior month.

    For the 2025-06-01 period, Huron had 45 MLS listings, a difference of -4 listings (-8%) versus the prior month and 5 listings (13%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Huron (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,139 sqft
    2018-02-01 0 days 2,195 sqft
    2018-03-01 0 days 2,206 sqft
    2018-04-01 0 days 2,239 sqft
    2018-05-01 0 days 2,176 sqft
    2018-06-01 0 days 2,176 sqft
    2018-07-01 0 days 2,192 sqft
    2018-08-01 0 days 2,178 sqft
    2018-09-01 0 days 2,176 sqft
    2018-10-01 0 days 2,176 sqft
    2018-11-01 0 days 2,176 sqft
    2018-12-01 0 days 2,144 sqft
    2019-01-01 0 days 2,140 sqft
    2019-02-01 0 days 2,136 sqft
    2019-03-01 0 days 2,153 sqft
    2019-04-01 0 days 2,176 sqft
    2019-05-01 0 days 2,166 sqft
    2019-06-01 0 days 2,156 sqft
    2019-07-01 0 days 2,161 sqft
    2019-08-01 0 days 2,068 sqft
    2019-09-01 0 days 2,048 sqft
    2019-10-01 0 days 2,034 sqft
    2019-11-01 0 days 2,076 sqft
    2019-12-01 0 days 2,081 sqft
    2020-01-01 0 days 2,064 sqft
    2020-02-01 0 days 2,070 sqft
    2020-03-01 0 days 2,080 sqft
    2020-04-01 0 days 2,137 sqft
    2020-05-01 0 days 2,149 sqft
    2020-06-01 0 days 2,094 sqft
    2020-07-01 0 days 2,104 sqft
    2020-08-01 0 days 2,138 sqft
    2020-09-01 0 days 2,182 sqft
    2020-10-01 0 days 2,138 sqft
    2020-11-01 0 days 2,137 sqft
    2020-12-01 0 days 2,137 sqft
    2021-01-01 0 days 2,020 sqft
    2021-02-01 0 days 1,996 sqft
    2021-03-01 0 days 2,038 sqft
    2021-04-01 0 days 2,116 sqft
    2021-05-01 0 days 2,194 sqft
    2021-06-01 0 days 2,283 sqft
    2021-07-01 0 days 2,539 sqft
    2021-08-01 0 days 2,276 sqft
    2021-09-01 0 days 2,258 sqft
    2021-10-01 0 days 2,219 sqft
    2021-11-01 0 days 2,040 sqft
    2021-12-01 0 days 1,999 sqft
    2022-01-01 0 days 1,986 sqft
    2022-02-01 0 days 1,994 sqft
    2022-03-01 0 days 2,002 sqft
    2022-04-01 0 days 1,828 sqft
    2022-05-01 0 days 1,685 sqft
    2022-06-01 0 days 1,904 sqft
    2022-07-01 0 days 1,920 sqft
    2022-08-01 0 days 2,025 sqft
    2022-09-01 0 days 1,869 sqft
    2022-10-01 0 days 2,014 sqft
    2022-11-01 0 days 2,156 sqft
    2022-12-01 0 days 2,272 sqft
    2023-01-01 0 days 2,067 sqft
    2023-02-01 0 days 2,016 sqft
    2023-03-01 0 days 1,977 sqft
    2023-04-01 0 days 2,016 sqft
    2023-05-01 0 days 2,064 sqft
    2023-06-01 0 days 2,232 sqft
    2023-07-01 0 days 2,364 sqft
    2023-08-01 0 days 2,195 sqft
    2023-09-01 0 days 2,297 sqft
    2023-10-01 0 days 2,074 sqft
    2023-11-01 0 days 1,872 sqft
    2023-12-01 0 days 1,829 sqft
    2024-01-01 0 days 1,791 sqft
    2024-02-01 0 days 1,674 sqft
    2024-03-01 0 days 1,792 sqft
    2024-04-01 0 days 1,852 sqft
    2024-05-01 0 days 1,964 sqft
    2024-06-01 0 days 1,976 sqft
    2024-07-01 0 days 1,927 sqft
    2024-08-01 0 days 1,910 sqft
    2024-09-01 0 days 2,087 sqft
    2024-10-01 0 days 1,821 sqft
    2024-11-01 0 days 1,922 sqft
    2024-12-01 0 days 1,995 sqft
    2025-01-01 0 days 2,234 sqft
    2025-02-01 0 days 2,175 sqft
    2025-03-01 0 days 2,160 sqft
    2025-04-01 0 days 2,178 sqft
    2025-05-01 0 days 2,164 sqft
    2025-06-01 0 days 2,188 sqft
    Huron's median listing age (time on market) for 2025-06-01 was 0 days.

    Huron's median square footage for active listings during the 2025-06-01 period was 2,188 sqft. One year prior, the average listing was 1,976 sqft.

    Huron, SD Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 130 $25,350,000 $195,000
    Refi 25 $5,395,000 $215,800
    Cash Out Refi 18 $3,040,000 $168,889
    Home Improvement 4 $440,000 $110,000
    Other 3 $125,000 $41,667

    Huron's most frequently cited loan purpose was Home Purchase, with 130 originations. The 2nd most popular reason was Refi, with 25 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 65 $13,575,000 $208,846
    5-6% 28 $5,830,000 $208,214
    Over 8% 18 $2,680,000 $148,889
    7-8% 15 $2,885,000 $192,333
    4-5% 2 $380,000 $190,000

    During 2024, Huron's most frequently originated rate bucket was 6-7%, with 65 originations.

    Loan Sizing (Huron, SD MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 79 $12,035,000 $152,342
    $200k-400k 59 $16,315,000 $276,525
    $100,000 or less 34 $2,130,000 $62,647
    $400k-600k 7 $3,235,000 $462,143
    $600k-1000k 1 $635,000 $635,000

    Huron's loan sizing saw the bucket of loans from $100k-200k with 79 originations, totaling $12,035,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 84 $17,640,000 $210,000
    60-80% 20 $4,780,000 $239,000
    40-60% 8 $1,430,000 $178,750
    20-40% 7 $515,000 $73,571
    Under 20% 6 $290,000 $48,333
    Over 100% 2 $450,000 $225,000

    Huron's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 84 originations, totaling $17,640,000 in origination value.