19 States With Highest Home Closing Costs Hawaii Tops List of States With Highest Mortgage Closing Costs Mortgage Closing Costs Rise 6 Percent Aug. 6, 2013 - With mounting mortgage origination fees, mortgage closing costs rose 6 percent to $2,402 in the past year, according to an analysis by Bankrate.com. Origination fees, which are typically paid up-front to lenders for processing loans, increased eight percent to $1,730, while third-party fees grew by 1 percent to $672. Hawaii's average closing cost of $2,919 is the highest in the country. Alaska ($2,675), South Carolina ($2,658), California ($2,639) and New Mexico ($2,566) round out the top 5 list. "It's unlikely that you will move to Wisconsin solely to pay lower closing costs, but you should shop around and compare fees from different loan originators to make sure you get the best deal in your area," said Polyana da Costa, senior mortgage analyst with Bankrate.com, in a statement. To collect its data, which excludes taxes, title fees, property insurance, association fees, interest and other prepaid items, Bankrate surveyed up to 10 lenders each state plus the District of Columbia in June 2013. The average closing costs are based on estimates for a $200,000 mortgage for a single-family home with a 20 percent down payment. Costs include fees charged by lenders and third-party fees for services such as appraisals. Here's a list of the top 19 most expensive states by mortgage closing costs: lender's origination fees: $1,970 Hawaii lender's origination fees: $1,925 Alaska lender's origination fees: $1,935 South Carolina lender's origination fees: $1,977 California lender's origination fees: $1,807 New Mexico lender's origination fees: $1,840 North Carolina lender's origination fees: $1,804 New Jersey lender's origination fees: $1,919 Oklahoma lender's origination fees: $1,798 Florida lender's origination fees: $1,742 Delaware lender's origination fees: $1,803 Ohio lender's origination fees: $1,816 lender's origination fees: $1,690 Texas lender's origination fees: $1,920 Pennsylvania (tie) lender's origination fees: $1,797 North Dakota (tie) lender's origination fees: $1,826 District of Columbia lender's origination fees: $1,767 Montana lender's origination fees: $1,782 Louisiana Maryland