Stephens County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Stephens County, OK distress report, 2026: 10 ZIPs scored in Stephens, OK, Stephens, OK average 25/100; the top Stephens, OK ZIP is 73491 at 29/100; Stephens, OK market phase peak, Stephens, OK prices +2.2% year over year.
- Stephens, OK ranks #260 nationally (opportunity index); Stephens, OK #8 in Oklahoma; Stephens, OK index 35.2.
- Stephens, OK: no CFPB county sample; Stephens, OK non-metro area reading 1.4%.
- Stephens, OK ZIP phases: 10 peak.
- Stephens, OK residential listings tracked: 14 across 7 ZIPs; Stephens, OK candidate listings 7.
- Stephens, OK lenders on watch: 8; largest Stephens, OK footprint Bancfirst (5 branches).
- Stephens, OK most distressed ZIP: 73491 at 29/100.
Stephens, OK figures: DLRadar distress index; Stephens, OK inputs: CFPB, FHFA, HUD, FDIC; Stephens, OK rebuilt as sources refresh.
| Rank | Stephens, OK ZIP | Score |
|---|---|---|
| 1 | 73491 | 29/100 |
| 2 | 73533 | 29/100 |
| 3 | 73055 | 27/100 |
| 4 | 73425 | 27/100 |
| 5 | 73434 | 26/100 |
| 6 | 73442 | 26/100 |
| 7 | 73481 | 26/100 |
| 8 | 73529 | 25/100 |
| 9 | 73548 | 17/100 |
| 10 | 73573 | 14/100 |
Most distressed Stephens, OK ZIPs (0-100, 2026)
Mortgage delinquency around Stephens, OK
No CFPB county sample covers Stephens, OK; the non-metro area reading for Stephens, OK: 1.4% ninety-plus; Stephens, OK area thirty-to-eighty-nine 3.5% (December 2025, Stephens, OK); Oklahoma overall 1.2%.
Opportunity index: Stephens, OK
Stephens, OK index 35.2, Stephens, OK phase peak_opportunity; Stephens, OK primary driver vacancy, Stephens, OK second driver construction. Stephens, OK components: property stress 20.8, foreclosure pressure 20.8, listing discounts 45.0, bank stress 56.2, insurance 0.0; Stephens, OK pulse 38.1; Stephens, OK capital opportunity 30.9; Stephens, OK seven-day change +0.3%.
ZIP market phases inside Stephens, OK
10 Stephens, OK ZIPs carry a price-cycle phase; Stephens, OK ZIPs by phase (Stephens, OK), deepest drawdown first: peak, +4.4% YoY, 0.6% off peak (Stephens, OK): 73548; peak, +2.1% YoY, 0.0% off peak (Stephens, OK): 73055; peak, +2.0% YoY, 0.0% off peak (Stephens, OK): 73529; peak, +2.2% YoY, 0.0% off peak (Stephens, OK): 73533; peak, +2.2% YoY (Stephens, OK): 73425, 73491; peak, +1.7% YoY (Stephens, OK): 73434; peak, +2.0% YoY (Stephens, OK): 73442; peak, +2.1% YoY (Stephens, OK): 73481; peak, +1.1% YoY (Stephens, OK): 73573.
Residential listings by Stephens, OK ZIP
Stephens, OK ZIPs with the most tracked Stephens, OK residential listings: 73533 10 listings, 5 candidates, bank pressure 57; 73529 2 listings, 1 candidates, bank pressure 55; 73055 1 listings, 0 candidates, bank pressure 60; 73434 1 listings, 1 candidates, bank pressure 60 (Stephens, OK); 73425 0 listings, 0 candidates, bank pressure 59; 73442 0 listings, 0 candidates, bank pressure 59; 73491 0 listings, 0 candidates, bank pressure 63. Stephens, OK totals: 14 listings; Stephens, OK candidates 7; active ZIPs 1.
Lenders with branches in Stephens, OK
Stephens, OK lenders by branch count: Bancfirst (Stephens, OK): stress 51, 5 branches low in Stephens, OK; First Nb In Marlow (Stephens, OK): stress 76, 3 branches low in Stephens, OK; First Bank&Trust Co (Stephens, OK): stress 28, 3 branches low in Stephens, OK; Legacy Bank (Stephens, OK): stress 92, 2 branches low in Stephens, OK; Bank Of Commerce (Stephens, OK): stress 85, 1 branch low in Stephens, OK; American Nation Bank (Stephens, OK): stress 61, 1 branch low in Stephens, OK; First Nb&T Co Of Ardmore (Stephens, OK): stress 58, 1 branch low in Stephens, OK; City Nb&T Co Of Lawton Ok (Stephens, OK): stress 46, 1 branch low in Stephens, OK.
Vacancy and permits, Stephens, OK
2,756 of 20,323 Stephens, OK housing units are vacant; Stephens, OK permits, twelve months: 0 multifamily units in Stephens, OK, 28 one-to-four unit units.
Work Stephens, OK at the parcel level
Every Stephens, OK parcel carries owner and address; every Stephens, OK parcel carries APN; Stephens, OK distress scores sit on the Stephens, OK live board.
Stephens, OK figures refresh with each source.
Stephens, OK questions
Most distressed ZIP code in Stephens County, OK?
ZIP 73491 leads Stephens, OK at 29/100; next in Stephens, OK: 73533 at 29/100; the Stephens, OK average is 25/100.
Where does Stephens County, OK rank for investment opportunity?
Stephens, OK is #260 among all ranked counties, #8 in Oklahoma; the Stephens, OK driver is vacancy; Stephens, OK moved up 265 places.
How many mortgages are delinquent in Stephens County, OK?
Stephens, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Stephens, OK.
Which banks lend in Stephens County, OK?
8 watched lenders hold Stephens, OK branches; the largest Stephens, OK footprints are Bancfirst (5), First Nb In Marlow (3), First Bank&Trust Co (3).
More on Stephens, OK
Stephens County, OK distress report: public-record figures for Stephens, OK; not legal advice for Stephens, OK; not tax or investment advice; verify every Stephens, OK record before acting.