Texas micro-market
Healthcare practice financing in Lufkin, Texas
Direct answer
34,399 residents, 506 enumerated clinicians, 147.1 per 10,000, 19 percent of them in physical, occupational, and speech therapy: that is the Lufkin market a funder prices. Angelina County adds 4 healthcare approvals worth $4,925,700 and 77 miles of distance to Tyler, TX.
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. Which programs can be referred from Texas, and which cannot, is set out on the Texas page.
- Population: 34,399 residents (25K-50K band)1
- Healthcare providers registered here: 506 across 33 fields2
- Median household income: $56,7223
- Largest provider field: Physical, occupational, and speech therapy: 94 registered providers2
- Medicare-certified providers in town: 20 across 4 categories4
- Nearest metro: Tyler, TX, 77 miles1
What NPPES records at Lufkin addresses
The NPPES file puts 506 enumerated clinicians inside Lufkin, spread over 33 fields at 147.1 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 94 | 27.3 | NPPES [2] |
| Primary care and family medicine | 73 | 21.2 | NPPES [2] |
| Specialty physician groups | 67 | 19.5 | NPPES [2] |
| Home health | 35 | 10.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 27 | 7.8 | NPPES [2] |
| General dentistry | 24 | 7.0 | NPPES [2] |
| Optometry and ophthalmology | 22 | 6.4 | NPPES [2] |
| DME and HME suppliers | 20 | 5.8 | NPPES [2] |
| Chiropractic | 16 | 4.7 | NPPES [2] |
| Behavioral and mental health group practices | 15 | 4.4 | NPPES [2] |
| Dental specialties | 11 | 3.2 | NPPES [2] |
| Independent pharmacy | 11 | 3.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 10 | 2.9 | NPPES [2] |
| Podiatry | 9 | 2.6 | NPPES [2] |
| ABA and autism therapy | 9 | 2.6 | NPPES [2] |
| Hospice and palliative | 9 | 2.6 | NPPES [2] |
| ASCs and OBLs | 8 | 2.3 | NPPES [2] |
| Telehealth and virtual clinics | 7 | 2.0 | NPPES [2] |
| Clinical and toxicology labs | 6 | 1.7 | NPPES [2] |
| Dialysis and infusion centers | 6 | 1.7 | NPPES [2] |
| Audiology and hearing centers | 5 | 1.5 | NPPES [2] |
| Urgent care | 4 | 1.2 | NPPES [2] |
| IDD services | 3 | 0.9 | NPPES [2] |
| SUD treatment and residential | 3 | 0.9 | NPPES [2] |
| Non-medical home care | 2 | 0.6 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 2 | 0.6 | NPPES [2] |
| Plastic and cosmetic surgery | 2 | 0.6 | NPPES [2] |
| Dermatology | 1 | 0.3 | NPPES [2] |
| Pain management and interventional | 1 | 0.3 | NPPES [2] |
| Mobile diagnostics | 1 | 0.3 | NPPES [2] |
| NEMT and ambulance | 1 | 0.3 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.3 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.3 | NPPES [2] |
| Medical equipment suppliers | 13 | CMS [4] | |
| Home health agencies | 11 | CMS [4] | |
| Hospice providers | 6 | CMS [4] | |
| Ambulatory surgical centers | 2 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
Physical, occupational, and speech therapy carries 94 of the 506 enumerated providers here, and several of them can sit inside one practice. Read the column as clinicians, not owners.
The lending record behind Lufkin
4 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| What it measures | Value | How to read it |
|---|---|---|
| Healthcare files approved | 4 | Counted for the fiscal year the SBA publishes [5] |
| Dollars behind them | $4,925,700 | Everything approved to healthcare borrowers, added up [5] |
| Typical approval size | $1,231,425 | The dollar column over the approval column [5] |
| Credit offices operating locally | 61 | Places that write credit locally, NAICS 522 [6] |
Reading Lufkin the way a credit committee does
The ratio that matters up front is 147.1 per 10,000, which decides whether a ramp schedule reads as conservative. With 4 approvals on record in Angelina County, expect a longer appraisal and a wider collateral discount. Household income of $56,722 in Lufkin is the number a lender uses to sanity check the self-pay share of a revenue projection.
Where a file from this town usually lands
- Practice acquisition
- Expansion, relocation, and build-out
- Working capital term loan
- Startup and de novo
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Lufkin does not appear. Availability is still a Texas question.
Underwriting by field in Lufkin
What a funder opens first depends on the field. In Lufkin that means physical, occupational, and speech therapy, primary care and family medicine, specialty physician groups.
| Field | What the file turns on | The capital event behind most requests |
|---|---|---|
| Physical, occupational, and speech therapy (94) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (73) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| Specialty physician groups (67) | Ancillary revenue contribution, Provider productivity, Payer contracts | Ancillary build-out |
NPPES supplies the Lufkin counts. The reading columns describe the field in general, and no partner reviewing a Lufkin file is bound by them.
Lufkin against nearby Texas markets
Set Lufkin's 147.1 per 10,000 against the towns an appraiser would reach for next
| Market | Population | Clinicians | Density per 10,000 | Distance in miles |
|---|---|---|---|---|
| Lufkin (current) | 34,399 | 506 | 147.1 | |
| Nacogdoches | 32,381 | 386 | 119.2 | 20 |
| Jacksonville | 14,639 | 125 | 85.4 | 54 |
| Henderson | 13,485 | 94 | 69.7 | 58 |
| Palestine | 19,583 | 193 | 98.6 | 62 |
| Huntsville | 49,500 | 275 | 55.6 | 65 |
| Kilgore | 13,583 | 83 | 61.1 | 74 |
Distance, income, and the wage floor around Lufkin
Tyler, TX lies 77 miles from Lufkin, far enough that a used chair, chairside unit, or imaging system has no nearby resale market, which is where the collateral discount comes from. Median household income runs $56,722, which is the number a funder converts into case acceptance on anything elective or cash-pay. The hospital fixes two inputs a lender would otherwise estimate in a 34,399 resident town: where referrals originate, and what staff cost. A college in Lufkin puts a term-shaped curve into monthly collections. Lufkin is the Angelina County seat, so county employment steadies the payer mix.
Nearby Texas towns
- Nacogdoches 32,381 residents
- Jacksonville 14,639 residents
- Henderson 13,485 residents
- Palestine 19,583 residents
- Huntsville 49,500 residents
- Kilgore 13,583 residents
Lufkin owners, answered
01How many providers practice in Lufkin, and in what?
NPPES lists 506 providers at a Lufkin practice address, 147.1 per 10,000 residents across 33 tracked fields. Physical, occupational, and speech therapy accounts for 94 of them, 19 percent of the total, with primary care and family medicine next at 73. Read that as clinicians: 506 enumerations, not 506 owners.
02Does being 77 miles out change the underwriting?
Tyler, TX is 77 miles away, far enough that rent and equipment resale comparables get pulled from Angelina County rather than a metro market. At 77 miles the appraisal window runs longer and equipment resale gets discounted.
03What does Angelina County's shortage designation change?
Designated for primary care, dental, mental health, Angelina County qualifies its clinicians for federal repayment support. On a file that turns on adding staff, that is the difference between a hiring assumption and a hiring plan.
04Why does Angelina County show so little SBA activity?
Angelina County shows 4 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 61 lending establishments operate locally.
05How does the hospital in Lufkin affect a practice file?
A Medicare-certified hospital operates in the town, which gives referral flow, a call schedule, and a clinical labor pool a funder can verify. 20 Medicare-certified providers are located here in total. It also sets the wage floor behind every hire in a 147.1 per 10,000 market.
06Is there local lending capacity in Angelina County?
County Business Patterns records 61 credit intermediation establishments in Angelina County. That is the local origination bench, and it decides whether a file gets underwritten by somebody who has seen Lufkin 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
- 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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