Hawaii’s average mortgage closing costs of $2,163 are the highest in the nation, according to a new comparison.

Behind Hawaii in the national ranking, are New Jersey, with average closing costs of  $2,094; Connecticut ($2,033); West Virginia ($1,971), and Arizona ($1,969).

The cheapest mortgage closing costs, according to Bankrate, are in Ohio ($1,613); Idaho ($1,682); Wyoming ($1,689); Utah ($1,697), and Maine ($1,727).

Personal finance site Bankrate.com surveyed as many as 10 lenders in each of 50 states and the District of Columbia in June and found that nationally, mortgage closing costs declined seven percent during the past year averaging $1,847 on a $200,000 loan.

On a national level, the average origination fee dropped 22 percent to $1,041, but the average third-party fee rose by the same percentage, to $807.

“Homebuyers have more say over closing costs than they think,” said Holden Lewis, Bankrate.com’s senior mortgage analyst, in a statement. “Costs vary between lenders, so everyone should compare at least three different options. You don’t have to go with the lender your agent suggests.”

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