The cost of getting a mortgage has fallen nationwide, but the same may not be true in Massachusetts, according to a new study released by Bankrate Inc.

The average origination and title fees on a $200,000 mortgage this year is $2,822, ranking Massachusetts’ closing costs 18th highest in the nation. Last year, Massachusetts ranked 21st, tied with Alabama.

Nationwide, the average origination and title fees on a $200,000 mortgage this year totaled $2,732, down from $3,118 in 2008.

The shift is a reflection of the price shift in the housing market, according to Bankrate.

“Consumers need to keep a look out for the standard fees when figuring out the true cost of their new home,” said Holden Lewis, senior reporter with Bankrate.com. “Even as the average closing costs go down across the nation, some of these surprise costs can make your new home deal more expensive than you initially thought.”

Texas leads the nation with an average fee of $3,855, with New York City, Florida, San Francisco and Oregon rounding out the top five. Nevada is the least expensive area with an average fee of $2,276, replacing North Carolina at the bottom of the list.

The survey is based on closing costs for a $200,000 loan. Fees were requested on a 30-year, fixed-rate mortgage for a borrower with a 20 percent down payment and good credit to buy a single-family house.

Source: B&T and Bankrate

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