California micro-market
Healthcare practice financing in Lathrop, California
Direct answer
40,860 residents, 45 enumerated clinicians, 11.0 per 10,000, 24 percent of them in general dentistry: that is the Lathrop market a funder prices. San Joaquin County adds 12 healthcare approvals worth $5,490,000 and 12 miles of distance to Stockton-Lodi, CA.
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- Population: 40,860 residents (25K-50K band)1
- Healthcare providers registered here: 45 across 18 fields2
- Median household income: $118,6053
- Largest provider field: General dentistry: 11 registered providers2
- Nearest metro: Stockton-Lodi, CA, 12 miles1
- SBA healthcare approvals in the county: 12 approvals totaling $5,490,0004
What NPPES records at Lathrop addresses
Counted at the town's own addresses: 45 providers, 18 fields, 11.0 clinicians per 10,000 of the 40,860 residents here
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| General dentistry | 11 | 2.7 | NPPES [2] |
| ABA and autism therapy | 7 | 1.7 | NPPES [2] |
| DME and HME suppliers | 4 | 1.0 | NPPES [2] |
| Hospice and palliative | 3 | 0.7 | NPPES [2] |
| Home health | 2 | 0.5 | NPPES [2] |
| Chiropractic | 2 | 0.5 | NPPES [2] |
| SUD treatment and residential | 2 | 0.5 | NPPES [2] |
| Non-medical home care | 2 | 0.5 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 2 | 0.5 | NPPES [2] |
| Behavioral and mental health group practices | 2 | 0.5 | NPPES [2] |
| Urgent care | 1 | 0.2 | NPPES [2] |
| Primary care and family medicine | 1 | 0.2 | NPPES [2] |
| Imaging centers | 1 | 0.2 | NPPES [2] |
| Independent pharmacy | 1 | 0.2 | NPPES [2] |
| Audiology and hearing centers | 1 | 0.2 | NPPES [2] |
| Specialty physician groups | 1 | 0.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 1 | 0.2 | NPPES [2] |
| Physical, occupational, and speech therapy | 1 | 0.2 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [5] |
A single Lathrop practice can hold more than one of these numbers. 24 percent sit in general dentistry, counted as clinicians rather than as owners.
The lending record behind Lathrop
12 healthcare approvals averaging $457,500 set the deal shape lenders in San Joaquin County have already underwritten
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 12 | Fiscal year published in the SBA file [4] |
| Total approved capital | $5,490,000 | Sum of approvals to healthcare borrowers [4] |
| Mean deal size | $457,500 | Dollars divided by approvals [4] |
| Lenders sited in the county | 238 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
Underwriting starts with 11.0 providers per 10,000 residents, because that ratio caps how fast a chair or a room fills. Because San Joaquin County already carries $5,490,000 across 12 healthcare approvals, a request near that average moves faster than one well above it. Household income of $118,605 in Lathrop is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Lathrop mix reaches for
- Practice acquisition
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
- Working capital term loan
The order comes from Lathrop's own provider mix, which general dentistry dominates at 24 percent. What a partner can actually place in California is a separate question.
The first pages of a Lathrop file
general dentistry, aba and autism therapy, dme and hme suppliers account for most of what is enumerated in Lathrop, so those are the files funders see from this town
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| General dentistry (11) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
| ABA and autism therapy (7) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| DME and HME suppliers (4) | Accreditation and surety bond status, Rental versus sale revenue split, Denial rate and documentation quality | Inventory and rental fleet |
The first column is Lathrop's own NPPES count. The rest is how the field is generally underwritten, whether the address is Lathrop or anywhere else.
How Lathrop prices against its neighbors
Density is the number that moves an appraisal: 11.0 per 10,000 here
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Lathrop (current) | 40,860 | 45 | 11.0 | |
| Manteca | 94,292 | 357 | 37.9 | 5 |
| Ripon | 16,252 | 49 | 30.2 | 11 |
| Riverbank | 25,625 | 71 | 27.7 | 21 |
| Brentwood | 66,286 | 373 | 56.3 | 24 |
| Oakley | 47,158 | 63 | 13.4 | 24 |
| Ceres | 49,253 | 87 | 17.7 | 24 |
What the geography does to a Lathrop projection
12 miles separate Lathrop from Stockton-Lodi, CA. Lease pricing follows Stockton-Lodi, CA, while revenue stays capped by the 40,860 residents here. Households here carry $118,605 in median income, and that ceiling decides how much of a treatment plan gets started rather than deferred. With no hospital in town, a projection has to name where referrals and coverage come from.
Other California markets
Questions from Lathrop
01How many providers practice in Lathrop, and in what?
NPPES lists 45 providers at a Lathrop practice address, 11.0 per 10,000 residents across 18 tracked fields. General dentistry accounts for 11 of them, 24 percent of the total, with aba and autism therapy next at 7. Read that as clinicians: 45 enumerations, not 45 owners.
02What does San Joaquin County's shortage designation change?
HRSA designates San Joaquin County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Lathrop and evidences a staffing ramp in a 40,860 resident market.
03Is Lathrop underwritten as part of Stockton-Lodi, CA?
Partly. Stockton-Lodi, CA is 12 miles out, so rent and equipment comparables travel in from there while patients still come from the 40,860 residents around Lathrop. Cost side metro, revenue side local.
04What does a $118,605 median income mean for case acceptance?
Median household income in Lathrop runs $118,605. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
05What does SBA lending look like around Lathrop?
The county file behind Lathrop holds 12 healthcare approvals totaling $5,490,000, an average of $457,500. Those are the loan sizes lenders in San Joaquin County have already carried.
06Is there local lending capacity in San Joaquin County?
County Business Patterns records 238 credit intermediation establishments in San Joaquin County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Lathrop rents and resale before or by somebody working from a screen.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4U.S. Small Business Administration, 7(a) and 504 approvals
- 5CMS Care Compare provider datasets
- 6U.S. Census Bureau, County Business Patterns 2022
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