Ohio micro-market
Healthcare practice financing in Warren, Ohio
Direct answer
A Warren file is read against 782 local clinicians, 202.2 for every 10,000 of its 38,683 residents, 16 percent of them in physical, occupational, and speech therapy, plus the 1 SBA healthcare approvals worth $400,000 already recorded in Trumbull County, 13 miles from Youngstown-Warren, OH.
A location page indicates that Practition Finance is taking clients in that market. It does not represent a physical office, storefront, or licensed presence in that city or state. All services are delivered remotely by our US-based team. How a referral works in Ohio, and how many partners see it, is set out on the Ohio page.
- Population: 38,683 residents (25K-50K band)1
- Healthcare providers registered here: 782 across 33 fields2
- Median household income: $36,9553
- Largest provider field: Physical, occupational, and speech therapy: 127 registered providers2
- Medicare-certified providers in town: 8 across 3 categories4
- Nearest metro: Youngstown-Warren, OH, 13 miles1
What NPPES records at Warren addresses
Counted at the town's own addresses: 782 providers, 33 fields, 202.2 clinicians per 10,000 of the 38,683 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 127 | 32.8 | NPPES [2] |
| SUD treatment and residential | 109 | 28.2 | NPPES [2] |
| Home health | 76 | 19.6 | NPPES [2] |
| Specialty physician groups | 65 | 16.8 | NPPES [2] |
| Primary care and family medicine | 53 | 13.7 | NPPES [2] |
| Chiropractic | 44 | 11.4 | NPPES [2] |
| Behavioral and mental health group practices | 37 | 9.6 | NPPES [2] |
| Optometry and ophthalmology | 33 | 8.5 | NPPES [2] |
| General dentistry | 30 | 7.8 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 30 | 7.8 | NPPES [2] |
| Non-medical home care | 24 | 6.2 | NPPES [2] |
| DME and HME suppliers | 21 | 5.4 | NPPES [2] |
| Independent pharmacy | 20 | 5.2 | NPPES [2] |
| Dental specialties | 17 | 4.4 | NPPES [2] |
| Audiology and hearing centers | 17 | 4.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 15 | 3.9 | NPPES [2] |
| Podiatry | 10 | 2.6 | NPPES [2] |
| Med spa and aesthetics | 10 | 2.6 | NPPES [2] |
| Dermatology | 9 | 2.3 | NPPES [2] |
| Pain management and interventional | 7 | 1.8 | NPPES [2] |
| ASCs and OBLs | 4 | 1.0 | NPPES [2] |
| Telehealth and virtual clinics | 4 | 1.0 | NPPES [2] |
| Urgent care | 3 | 0.8 | NPPES [2] |
| Clinical and toxicology labs | 3 | 0.8 | NPPES [2] |
| Dialysis and infusion centers | 3 | 0.8 | NPPES [2] |
| NEMT and ambulance | 2 | 0.5 | NPPES [2] |
| ABA and autism therapy | 2 | 0.5 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 0.5 | NPPES [2] |
| Imaging centers | 1 | 0.3 | NPPES [2] |
| Hospice and palliative | 1 | 0.3 | NPPES [2] |
| Clinical research sites | 1 | 0.3 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 14 | CMS [4] | |
| Ambulatory surgical centers | 5 | CMS [4] | |
| Home health agencies | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Several of the 127 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
The lending record behind Warren
The county file holds 1 healthcare approvals, which is a thin comparable set for anyone pricing collateral
| Measure | Published figure | What sits behind it |
|---|---|---|
| Healthcare files approved | 1 | Fiscal year published in the SBA file [5] |
| Dollars behind them | $400,000 | Sum of approvals to healthcare borrowers [5] |
| Typical approval size | $400,000 | Dollars divided by approvals [5] |
| Credit offices operating locally | 87 | Credit intermediation establishments, NAICS 522 [6] |
How this data lands in an underwriting decision
At 202.2 clinicians per 10,000 residents, the catchment radius in a projection has to be defended rather than assumed. Trumbull County has 1 approvals to compare against, so plan for extra appraisal time and a conservative valuation. A $36,955 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
The programs this provider mix points at
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Medical receivables factoring
- Commercial real estate, owner-occupied
The order comes from Warren's own provider mix, which physical, occupational, and speech therapy dominates at 16 percent. What a partner can actually place in Ohio is a separate question.
Underwriting by field in Warren
What a funder opens first depends on the field. In Warren that means physical, occupational, and speech therapy, sud treatment and residential, home health.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (127) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| SUD treatment and residential (109) | Census and level of care mix, In-network versus out-of-network billing history, Utilization review outcomes | Facility real estate |
| Home health (76) | Medicare certification first, Payer mix second, Days in accounts receivable third | Payroll between visit and remittance |
The first column is Warren's own NPPES count. The rest is how the field is generally underwritten, whether the address is Warren or anywhere else.
Warren against nearby Ohio markets
202.2 per 10,000 is the figure a neighboring town gets compared against when an appraiser prices Warren
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Warren (current) | 38,683 | 782 | 202.2 | |
| Niles | 18,238 | 181 | 99.2 | 5 |
| Youngstown | 59,123 | 1,309 | 221.4 | 13 |
| Ravenna | 11,236 | 277 | 246.5 | 23 |
| Salem | 11,685 | 185 | 158.3 | 23 |
| Aurora | 17,985 | 116 | 64.5 | 27 |
| Streetsboro | 17,877 | 132 | 73.8 | 27 |
Distance, income, and the wage floor around Warren
Youngstown-Warren, OH lies 13 miles from Warren, close enough that appraisers price the lease against Youngstown-Warren, OH rents while 38,683 residents set the revenue ceiling. At $36,955 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Hospital coverage inside Warren means a call schedule can be evidenced rather than described. A degree-granting institution here moves volume on the academic calendar. Warren is the Trumbull County seat, so county employment steadies the payer mix.
Nearby Ohio towns
- Niles 18,238 residents
- Youngstown 59,123 residents
- Ravenna 11,236 residents
- Salem 11,685 residents
- Aurora 17,985 residents
- Streetsboro 17,877 residents
Warren owners, answered
01How many providers practice in Warren, and in what?
NPPES lists 782 providers at a Warren practice address, 202.2 per 10,000 residents across 33 tracked fields. Physical, occupational, and speech therapy accounts for 127 of them, 16 percent of the total, with sud treatment and residential next at 109. Read that as clinicians: 782 enumerations, not 782 owners.
02Why does Trumbull County show so little SBA activity?
Only 1 healthcare approvals appear for Trumbull County in the published 7(a) and 504 file. Thin volume in Trumbull County is a transaction count, not a verdict on borrowers here. The county still holds 87 credit intermediation establishments.
03Which fields carry the volume in Warren?
The 33 enumerated fields are led by physical, occupational, and speech therapy at 127, with sud treatment and residential at 109 behind it. Those two counts double as the competition you are entering and the bench you would hire from.
04Is Warren underwritten as part of Youngstown-Warren, OH?
Comparables and demand split at 13 miles. An appraiser prices the lease and the equipment off Youngstown-Warren, OH; the revenue line has to hold up against 38,683 local residents.
05What does Trumbull County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Trumbull County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 38,683 residents gets past the question of who would take the job.
06How does the hospital in Warren affect a practice file?
Referral flow, coverage, and the local pay scale all trace back to it. The town carries 8 Medicare-certified providers in total. A Warren projection that names the call arrangement reads better than one that assumes it.
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
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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