Skip to content
ClosingCodeClosingCode
ENES

Oklahoma · 46 O.S. §15Oklahoma mortgage release: 30 days after payoff, 10 days after a written request, then 1% a day

The holder of a mortgage or judgment lien on Oklahoma real estate releases it and files the release with the county clerk within 30 days after the debt is paid (46 O.S. §15(A)). If it hasn't, the borrower – including a later buyer of the property – or their agent may request the release in writing, describing the mortgage and premises with reasonable certainty; the holder then has 10 days, after which it forfeits a penalty of 1% of the principal debt, up to $100 for each day the release isn't recorded, capped at 100% of the principal (§15(A), (C)). A title insurance company attorney may sue for the penalty on the borrower's behalf (§15(B)).

The rules

  1. 1. 30 days (§15(A))

    Release filed with the county clerk after payoff.

  2. 2. Written request

    10 more days after a written request describing the loan and property.

  3. 3. Penalty

    1% of principal per day, up to $100 a day and 100% of the principal.

  4. 4. Title company (§15(B))

    Its attorney may sue for the penalty for the borrower.

What the TC can do

  • Note the payoff date – the statutory clock runs from it or from the written request.
  • Calendar a check of the county records for the recorded release.
  • If it's missing, send the written request in the form the statute requires and keep proof of delivery.

Questions about Oklahoma mortgage releases

How long does an Oklahoma lender have to release a paid mortgage?

30 days after payment of the debt (46 O.S. §15(A)).

What's the Oklahoma penalty for a late mortgage release?

After a written request and 10 more days, 1% of the principal per day, up to $100 a day and 100% of the principal (§15(A)).

Related guides

ClosingCode adds a post-closing task to confirm the seller's paid-off mortgage release was recorded, with an owner and a due date.

Start free trial

Source: Oklahoma Statutes Title 46 §15 (oklegislature.gov, read October 26, 2026).

General information, not legal advice. Penalties are enforced in court; ask a local attorney before demanding one. ClosingCode is software; it is not a law firm. This guide is not a substitute for the advice or services of an attorney.