Financial technology company SmartAsset has named Madera County among the Golden State’s best counties to obtain a mortgage.

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In its second annual study on the Best Places to Get a Mortgage, SmartAsset ranked Madera County No. 4 on its top ten list of California counties.

With a loan funding rate of 60.05 percent and an average annual mortgage payment of $14,124, Madera scored 87.48 on SmartAsset’s Best Mortgage Markets Index.

Inyo County ranked first, with an index score of 92.07 followed by Alameda County at 91.84 and Orange County at 91.05.

To determine the best places in the country and in each state to get a mortgage, SmartAsset looked at four factors: overall borrowing costs, ease of securing a mortgage, cheap property taxes and cheap annual mortgage payments.

To calculate the overall borrowing costs, the company looked at the expected costs over the first five years of a $200,000 mortgage with a 20 percent down payment, including closing costs.

With an index score of 100, Faulk County, South Dakota, ranked first nationally in terms of the best places in the U.S. to get a mortgage, according to SmartAsset. Custer County, Oklahoma, was second (99.95) and Becker County, Minnesota was third (98.13).