Cleveland County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cleveland County, OK distress report, 2026: 23 ZIPs scored in Cleveland, OK, Cleveland, OK average 30/100; the top Cleveland, OK ZIP is 74852 at 34/100; Cleveland, OK market phase peak, Cleveland, OK prices +1.5% year over year.
- Cleveland, OK ranks #1,691 nationally (opportunity index); Cleveland, OK #57 in Oklahoma; Cleveland, OK index 28.8.
- Cleveland, OK ninety-day mortgage delinquency 0.9% in December 2025; Cleveland, OK twelve-month change +0.1%.
- Cleveland, OK ZIP phases: 23 peak.
- Cleveland, OK residential listings tracked: 249 across 13 ZIPs; Cleveland, OK candidate listings 39.
- Cleveland, OK HUD assisted properties: 12 with 1,025 units.
- Cleveland, OK lenders on watch: 8; largest Cleveland, OK footprint Bancfirst (8 branches).
- Cleveland, OK most distressed ZIP: 74852 at 34/100.
Cleveland, OK figures: DLRadar distress index; Cleveland, OK inputs: CFPB, FHFA, HUD, FDIC; Cleveland, OK rebuilt as sources refresh.
| Rank | Cleveland, OK ZIP | Score |
|---|---|---|
| 1 | 74852 | 34/100 |
| 2 | 73020 | 33/100 |
| 3 | 73135 | 33/100 |
| 4 | 73139 | 33/100 |
| 5 | 73149 | 33/100 |
| 6 | 73150 | 33/100 |
| 7 | 73159 | 33/100 |
| 8 | 74878 | 33/100 |
| 9 | 73169 | 32/100 |
| 10 | 74857 | 31/100 |
| 11 | 74851 | 30/100 |
| 12 | 73019 | 28/100 |
Most distressed Cleveland, OK ZIPs (0-100, 2026)
Mortgage delinquency in Cleveland, OK
0.9% of Cleveland, OK mortgages were ninety-plus days late (Cleveland, OK, December 2025); Cleveland, OK thirty-to-eighty-nine days late: 2.0%; Cleveland, OK twelve-month change +0.1%; Cleveland, OK peak since 2008: 2.8% (January 2012); Oklahoma overall 1.2%. Cleveland, OK ninety-day series: Dec 24 0.8, Jan 25 0.9, Feb 25 0.8 (Cleveland, OK), Mar 25 0.8, Apr 25 0.9, May 25 0.6 (Cleveland, OK), Jun 25 0.5, Jul 25 0.2, Aug 25 0.5 (Cleveland, OK), Sep 25 0.8, Oct 25 0.9, Nov 25 0.9 (Cleveland, OK), Dec 25 0.9.
Opportunity index: Cleveland, OK
Cleveland, OK index 28.8, Cleveland, OK phase early_signal; Cleveland, OK primary driver bank institutional, Cleveland, OK second driver listings discount. Cleveland, OK components: property stress 16.1, foreclosure pressure 14.3, listing discounts 45.5, bank stress 54.2, insurance 0.0; Cleveland, OK pulse 27.4; Cleveland, OK capital opportunity 30.8; Cleveland, OK seven-day change +0.3%.
ZIP market phases inside Cleveland, OK
23 Cleveland, OK ZIPs carry a price-cycle phase; Cleveland, OK ZIPs by phase (Cleveland, OK), deepest drawdown first: peak, +1.5% YoY, 0.1% off peak (Cleveland, OK): 73019, 73026, 73068, 73069, Cleveland, OK 73070, 73071, 73135, 73149, Cleveland, OK 73150, 73160, 73165, 73169, Cleveland, OK 73170, 73173, 73020, 73072.
Residential listings by Cleveland, OK ZIP
Cleveland, OK ZIPs with the most tracked Cleveland, OK residential listings: 73160 92 listings, 8 candidates, bank pressure 63; 73072 38 listings, 5 candidates, bank pressure 62; 73071 36 listings, 7 candidates, bank pressure 63; 73069 23 listings, 2 candidates, bank pressure 63 (Cleveland, OK); 73170 23 listings, 6 candidates, bank pressure 63; 73026 22 listings, 3 candidates, bank pressure 63; 73068 6 listings, 2 candidates, bank pressure 63; 73165 3 listings, 1 candidates, bank pressure 63. Cleveland, OK totals: 249 listings; Cleveland, OK candidates 39; active ZIPs 11.
HUD assisted housing in Cleveland, OK
12 assisted properties with 1,025 units sit in Cleveland, OK; largest Cleveland, OK properties: Terra At University North Park (Norman) 303 units; Anatole At Norman (Norman) 230 units; Nottingham Square (Moore) 162 units, 150 assisted in Cleveland, OK; Vicksburg Village (Norman) 100 units, 100 assisted; Northcliff Gardens (Norman) 44 units, 44 assisted; Willows/Pathways (Norman) 41 units, 41 assisted.
Lenders with branches in Cleveland, OK
Cleveland, OK lenders by branch count: Bancfirst (Cleveland, OK): stress 51, 8 branches low in Cleveland, OK; Midfirst Bank (Cleveland, OK): stress 62, 7 branches low in Cleveland, OK; First Fidelity Bank (Cleveland, OK): stress 73, 6 branches low in Cleveland, OK; First United Bank&Trust Co (Cleveland, OK): stress 73, 5 branches low in Cleveland, OK; Armstrong Bank (Cleveland, OK): stress 70, 5 branches low in Cleveland, OK; International Bk Of Com (Cleveland, OK): stress 44, 3 branches low in Cleveland, OK; Bokf National Assn (Cleveland, OK): stress 63, 2 branches low in Cleveland, OK; Mcclain Bank (Cleveland, OK): stress 59, 2 branches low in Cleveland, OK.
Vacancy and permits, Cleveland, OK
7,643 of 124,442 Cleveland, OK housing units are vacant; Cleveland, OK permits, twelve months: 308 multifamily units in Cleveland, OK, 548 one-to-four unit units.
Work Cleveland, OK at the parcel level
Every Cleveland, OK parcel carries owner and address; every Cleveland, OK parcel carries APN; Cleveland, OK distress scores sit on the Cleveland, OK live board.
Cleveland, OK figures refresh with each source.
Cleveland, OK questions
Most distressed ZIP code in Cleveland County, OK?
ZIP 74852 leads Cleveland, OK at 34/100; next in Cleveland, OK: 73020 at 33/100; the Cleveland, OK average is 30/100.
Where does Cleveland County, OK rank for investment opportunity?
Cleveland, OK is #1,691 among all ranked counties, #57 in Oklahoma; the Cleveland, OK driver is bank institutional; Cleveland, OK moved up 1,042 places.
How many mortgages are delinquent in Cleveland County, OK?
0.9% of Cleveland, OK mortgages were ninety-plus days late in December 2025; the Cleveland, OK peak since 2008 was 2.8%.
Which banks lend in Cleveland County, OK?
8 watched lenders hold Cleveland, OK branches; the largest Cleveland, OK footprints are Bancfirst (8), Midfirst Bank (7), First Fidelity Bank (6).
More on Cleveland, OK
Cleveland County, OK distress report: public-record figures for Cleveland, OK; not legal advice for Cleveland, OK; not tax or investment advice; verify every Cleveland, OK record before acting.