For the second year in a row, New York is the most expensive state for mortgage closing costs, according to a survey from Bankrate.com.

Bankrate.com surveyed up to 10 lenders in each state in June 2011 and obtained online good faith estimates for a $200,000 mortgage to buy a single-family home with a 20 percent down payment and good credit. Costs include fees charged by lenders, as well as third-party fees for services such as appraisals and title insurance. The survey excludes taxes, property insurance, association fees, interest and other prepaid items.

Bankrate surveyed one city in 49 states, two cities in California—Los Angeles and San Francisco—and the District of Columbia.

Nationwide, closing costs on the same-sized loan average $4,070, up 8.8 percent from a year ago, Bankrate said.

The cheapest places for closing costs are Arkansas, North Carolina and Indiana, according to Bankrate. Arkansas fees total $3,378, with North Carolina at $3,410 and Indiana at $3,430.

Full survey results can be found at bankrate.com.

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