It costs more to close a mortgage in New York than in any other state, according to a study released Monday by Bankrate.com.

A $200,000 loan for a borrower with good credit would carry additional fees of $5,623 in New York, based on Bankrate.com's analysis. No other state was above $4,750.

Texas is the second most-expensive state for mortgage closing costs, followed by Utah, California and Alaska.

Arkansas is the least-expensive, with North Carolina, Iowa, Montana and Wisconsin close behind. Additional charges for a $200,000 loan in Arkansas would total $3,007, according to Bankrate.com.

The survey encompassed origination fees charged by the lender, as well as fees charged by third parties. It did not include property taxes, recording fees, homeowners' insurance or discount points.

The hypothetical $200,000 loan was a purchase mortgage for a $250,000 home for a borrower with excellent credit.

New York's additional charges of $5,623 included $3,608 in title and closing costs and $2,015 in origination fees.