Attention recent home buyers: Did you do a double-take after calculating your closing costs?

Well, home list prices aren’t the only thing rising in the Palmetto State.

A new report by real estate information group BankRate.com ranked South Carolina the third-highest state in home closing costs this year. It was beat only by Hawaii and Alaska, which ranked first and second, respectively.

South Carolina inched up from sixth place in 2012, a jump due to higher mortgage origination fees like the rest of the nation, officials said.

Bankrate.com surveyed up to 10 lenders in all 50 states and the District of Columbia in June.

The closing cost of a $200,000 single-family home with a 20 percent down payment in a major city in South Carolina averaged $2,658. That included $1,935 in lender origination fees, up nearly 17 percent from $1,654 in 2012, according to the firm.

South Carolina outpaced the national average.

In the nation, mortgage closing costs rose 6 percent over the past year to an average of $2,402, according to Bankrate.com. Mortgage origination fees jumped eight percent to $1,730.

Banks are increasing fees ahead of what could be a slowdown in mortgage activity due to rising rates, one expert said.

“Banks realize that rates are going to go up and are trying to capture fees early on,” Anthony Sanders, a professor of real estate and finance at George Mason University, told Bankrate.com. “They know when rates go up, loan applications plunge, so they are trying to generate more earnings on anticipation of lower application volume and lower profits.”

This increasing expense come as builders have been adding incentives to drive new home sales, including covering closing costs.

Reach Tyrone Richardson at 937-5550 and follow him on Twitter @tyrichardsonPC.