>Wyoming had the lowest mortgage-related fees and New York had the highest in Bankrate.com’s 2005 survey. That’s without taking taxes into account.
>Bankrate surveyed nine to 15 lenders in each state, plus Washington, D.C., and asked them to estimate the closing costs on a $180,000 loan to a buyer with an excellent credit history who had made a down payment of at least 20 percent on a single-family home in the state’s largest city. The survey showed that:
>*The biggest differences among states came from the wildly varying costs for title insurance;
*fees for settlement services and title searches accounted for much of the rest of the disparities;
*origination costs — the fees that lenders control — didn’t vary much from state to state (but they did differ from lender to lender).
