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OSWEGO, N.Y. — Lument, a division of ORIX Real Estate Capital, has provided a $9.5 million HUD loan for the refinancing of Morningstar Residential Care Center, a 120-bed skilled nursing facility in the Upstate New York city of Oswego. The nonrecourse loan refinances a bridge loan that Lancaster Pollard provided prior to becoming part of Lument and provides fixed-rate, permanent financing. Miles Kingston led the transaction for Lument.