Mortgage closing costs in the Sunshine State are higher than 42 other states, according to a new report from Bankrate.com.

Closing costs on a $200,000 home loan average $2,648, the eighth-highest in the U.S. and 4.1 percent higher than the national average.

The costs include an average of $1,982 for lender’s origination fees and $666 for the average third-party fees.

Nationwide, closing costs rose 6 percent over the past year, averaging $2,539 on a $200,000 loan. In addition, origination fees increased 9 percent to $1,877 and third-party fees rose 1 percent to $662.

Texas had the highest average closing costs of $3,046, while the cheapest closing costs are found in Nevada, averaging $2,265.

“New mortgage regulations are the biggest reasons why closing costs went up over the past year,” said Holden Lewis, senior mortgage analyst, Bankrate.com. “The good news is that some lenders have not increased fees. To get the best deal, consumers should compare good faith estimates from at least three different lenders.”

Click here for the full list of average closing costs in all 50 states.

Bankrate surveyed up to 10 lenders in all 50 states and Washington, D.C. in June 2014. Researchers obtained online good faith estimates for a $200,000 mortgage to buy a single-family home with a 20 percent down payment.

Costs include fees charged by lenders, as well as third-party fees for services such as appraisals. The survey excludes taxes, title fees, property insurance, association fees, interest and other prepaid items.

Source:  OBJ