Bankrate.com is out with its annual survey of closing costs nationwide, and while it's getting more expensive every year to buy a house or refinance a mortgage, just be glad you don't live in New York, which topped this year's list. in that state the average closing cost $5,623, including a $2,015 origination fee and $3,608 in title and other closing costs.

Borrowers in Minnesota, which had the 17th highest closing costs nationwide, paid on average this year $3,920 with an average origination fee of $1,403 and title and closing fees of $3,920, but still a 53 percent increase from 2009, when Minnesota ranked 38th with combined average closing costs of $2,561.'

Despite the hefty increase, Minnesotans paid only slightly more than the national average, which came in at $3,741, a 37 percent. You can thank the fraudsters and whoever you else you blame for the mortgage meltdown, lender say that they increases are a reflection of the higher costs of the mortgage underwriting process.

(The figures are based on a $200,000 mortgage with a 20 percent down payment and good credit).