On average, mortgage closing costs in Massachusetts are more than $4,000, a higher cost than the national average, according to Bankrate Inc.’s 2011 Closing Costs Survey.

Bay State closing costs average around $4,244, Bankrate said. Nationwide, the average origination and title fees on a $200,000 mortgage total $4,070, which is 8.8 percent higher than a year ago.

New York leads the nation with an average fee of $6,183. Texas, Utah, San Francisco and Idaho round out the five most expensive areas. Arkansas is the least expensive area, with an average fee of $3,378.

Most of the rise in closing costs is tied to fees charged directly by lenders. On average, lenders charge about $1,614 in origination fees this year, up 10.3 percent from last year. Origination fees include lender charges for services such as underwriting and processing, according to a statement.

"Interest rates get a lot of attention, and rightfully so, but it’s also important for consumers to compare lender fees when shopping for a loan," said Greg McBride, senior financial analyst for Bankrate Inc.