Few California cities are recovering quite as well from the foreclosure crisis as in other places across the country.

In ranking metropolitan areas, a Forbes Real Estate ranking showed that modest incomes and stable real estate markets are improving the outlook for borrowers.

But it wasn’t until No. 66 that a California metro area made the list, where Bay Area metro San Francisco-Oakland-Fremont ranked in. Fellow Bay Area metro San Jose-Sunnyvale-Santa Clara ranked close behind at No. 74.

The study used data to determined its ranking on the fewer foreclosures, factoring the days of 90-plus days delinquent loans and a deterioration ratio (the percentage of loans that are descending further into delinquency to those that are improving.)

Further down the list included:

  • Oxnard-Thousands Oaks (No. 79)
  • Fresno (No. 80)
  • Sacramento-Arden Arcade-Roseville (No. 84)
  • Stockton (No. 84)
  • Modesto (No. 86)
  • San Diego-Carlsbad-San Marcos (No. 88)
  • Los Angeles-Long Beach-Santa Ana (No. 91)
  • Bakersfield (No. 95)
  • Riverside-San Bernardino-Ontario (No. 97)

Harrisburg-Carlisle, Penn. ranked No. 1 on the list of cities recovering from the foreclosure crisis. See the full list of rankings here.