Garfield County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Garfield County, OK distress report, 2026: 22 ZIPs scored in Garfield, OK, Garfield, OK average 21/100; the top Garfield, OK ZIP is 73701 at 23/100; Garfield, OK market phase expansion, Garfield, OK prices +8.5% year over year.
- Garfield, OK ranks #419 nationally (opportunity index); Garfield, OK #12 in Oklahoma; Garfield, OK index 33.8.
- Garfield, OK: no CFPB county sample; Garfield, OK non-metro area reading 1.4%.
- Garfield, OK ZIP phases: 16 expansion, 6 peak.
- Garfield, OK residential listings tracked: 24 across 16 ZIPs; Garfield, OK candidate listings 10.
- Garfield, OK HUD assisted properties: 5 with 475 units.
- Garfield, OK lenders on watch: 8; largest Garfield, OK footprint Cowboy Bank (4 branches).
- Garfield, OK most distressed ZIP: 73701 at 23/100.
Garfield, OK figures: DLRadar distress index; Garfield, OK inputs: CFPB, FHFA, HUD, FDIC; Garfield, OK rebuilt as sources refresh.
| Rank | Garfield, OK ZIP | Score |
|---|---|---|
| 1 | 73701 | 23/100 |
| 2 | 73705 | 23/100 |
| 3 | 73720 | 23/100 |
| 4 | 73727 | 23/100 |
| 5 | 73730 | 23/100 |
| 6 | 73733 | 23/100 |
| 7 | 73736 | 23/100 |
| 8 | 73738 | 23/100 |
| 9 | 73743 | 23/100 |
| 10 | 73753 | 23/100 |
| 11 | 73773 | 23/100 |
| 12 | 73703 | 22/100 |
Most distressed Garfield, OK ZIPs (0-100, 2026)
Mortgage delinquency around Garfield, OK
No CFPB county sample covers Garfield, OK; the non-metro area reading for Garfield, OK: 1.4% ninety-plus; Garfield, OK area thirty-to-eighty-nine 3.5% (December 2025, Garfield, OK); Oklahoma overall 1.2%.
Opportunity index: Garfield, OK
Garfield, OK index 33.8, Garfield, OK phase peak_opportunity; Garfield, OK primary driver construction, Garfield, OK second driver vacancy. Garfield, OK components: property stress 19.8, foreclosure pressure 12.3, listing discounts 40.4, bank stress 50.8, insurance 0.0; Garfield, OK pulse 36.4; Garfield, OK capital opportunity 30.0.
ZIP market phases inside Garfield, OK
22 Garfield, OK ZIPs carry a price-cycle phase; Garfield, OK ZIPs by phase (Garfield, OK), deepest drawdown first: expansion, +8.5% YoY, 1.0% off peak (Garfield, OK): 73701, 73705, 73720, 73727, Garfield, OK 73730, 73733, 73736, 73738, Garfield, OK 73743, 73753, 73773; expansion, +8.3% YoY, 1.0% off peak (Garfield, OK): 73703; expansion, +8.2% YoY, 1.0% off peak (Garfield, OK): 73735; expansion, +6.6% YoY, 0.7% off peak (Garfield, OK): 74640; expansion, +5.7% YoY, 0.6% off peak (Garfield, OK): 73754; expansion, +5.1% YoY, 0.6% off peak (Garfield, OK): 73056.
Residential listings by Garfield, OK ZIP
Garfield, OK ZIPs with the most tracked Garfield, OK residential listings: 73701 12 listings, 3 candidates, bank pressure 54; 73703 10 listings, 7 candidates, bank pressure 54; 73735 1 listings, 0 candidates, bank pressure 53; 73738 1 listings, 0 candidates, bank pressure 54 (Garfield, OK); 73056 0 listings, 0 candidates, bank pressure 53; 73705 0 listings, 0 candidates, bank pressure 54; 73720 0 listings, 0 candidates, bank pressure 54; 73727 0 listings, 0 candidates, bank pressure 54. Garfield, OK totals: 24 listings; Garfield, OK candidates 10; active ZIPs 2.
HUD assisted housing in Garfield, OK
5 assisted properties with 475 units sit in Garfield, OK; largest Garfield, OK properties: Stonebridge Apartments (Enid) 200 units; Tuscana (Enid) 102 units; Cherokee Terrace Apts. (Enid) 80 units, 80 assisted in Garfield, OK; La Mesa Point Apts (Enid) 47 units, 47 assisted; Civitan Homes (Enid) 46 units, 46 assisted.
Lenders with branches in Garfield, OK
Garfield, OK lenders by branch count: Cowboy Bank (Garfield, OK): stress 26, 4 branches low in Garfield, OK; Security Nb Of Enid (Garfield, OK): stress 64, 3 branches low in Garfield, OK; Stride Bank National Assn (Garfield, OK): stress 61, 3 branches low in Garfield, OK; Acb Bank (Garfield, OK): stress 55, 2 branches low in Garfield, OK; Bokf National Assn (Garfield, OK): stress 63, 1 branch low in Garfield, OK; Wisdom Heritage Bank (Garfield, OK): stress 58, 1 branch low in Garfield, OK; First Bank&Trust Co (Garfield, OK): stress 57, 1 branch low in Garfield, OK; Great Plains National Bank (Garfield, OK): stress 54, 1 branch low in Garfield, OK.
Vacancy and permits, Garfield, OK
3,911 of 27,804 Garfield, OK housing units are vacant; Garfield, OK permits, twelve months: 0 multifamily units in Garfield, OK, 5 one-to-four unit units.
Work Garfield, OK at the parcel level
Every Garfield, OK parcel carries owner and address; every Garfield, OK parcel carries APN; Garfield, OK distress scores sit on the Garfield, OK live board.
Garfield, OK figures refresh with each source.
Garfield, OK questions
Most distressed ZIP code in Garfield County, OK?
ZIP 73701 leads Garfield, OK at 23/100; next in Garfield, OK: 73705 at 23/100; the Garfield, OK average is 21/100.
Where does Garfield County, OK rank for investment opportunity?
Garfield, OK is #419 among all ranked counties, #12 in Oklahoma; the Garfield, OK driver is construction; Garfield, OK moved up 378 places.
How many mortgages are delinquent in Garfield County, OK?
Garfield, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Garfield, OK.
Which banks lend in Garfield County, OK?
8 watched lenders hold Garfield, OK branches; the largest Garfield, OK footprints are Cowboy Bank (4), Security Nb Of Enid (3), Stride Bank National Assn (3).
More on Garfield, OK
Garfield County, OK distress report: public-record figures for Garfield, OK; not legal advice for Garfield, OK; not tax or investment advice; verify every Garfield, OK record before acting.