Lowest closing cost mortgage lenders in Union County County, South Dakota
In Union County, South Dakota, homebuyers paid a median of $5,296 in closing costs in 2024 — below the South Dakota median of $5,447. The county saw 151 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, First Dakota National Bank offered the lowest median costs at $2,546, which is $2,332 less than the county median.
Homebuyers in Union County County who chose First Dakota National Bank paid $2,750 less in closing costs than the county median.
County Median Costs
$5,296
−2.8% vs South Dakota ($5,447)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,570
Purchase Originations
151
vs South Dakota Median
2.8% below
$-151
vs National Median
21.4% below
$-1,445
Lender rankings in Union County County
4 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,546 | 6.625% | $494 | 10 | −$2,332 | |
| 2 | $4,868 | 6.375% | $3,315 | 15 | −$10 | |
| 3 | $5,054 | 6.000% | $2,860 | 11 | +$176 | |
| 4 | $5,506 | 6.500% | $3,208 | 22 | +$628 |
Includes lenders with 10+ purchase originations in Union County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in South Dakota → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.