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NEW YORK CITY — Eastern Union has arranged a $20.5 million loan for the refinancing of a 49-unit apartment building in the Jamaica area of Queens. Zoria Apartments is an eight-story building that houses 35 one-bedroom units, 12 two-bedroom apartments and two penthouses, as well as four retail spaces and a community facility. Alex Jaffa of Eastern Union arranged the loan through Wells Fargo. The borrower was not disclosed.