According to Edward Howe III, managing director of the NCB N.Y. office, the bank has originated $21 million in financing for 12 area properties. The financings included $15 million in mortgages and $6.4 million in lines of credit. NCB's senior VP Sheldon Gartenstein arranged $4.6 million in loans: a $2.3 million first mortgage and a $1.3 million line of credit for Main Duane Owners Corp., a 14-unit co-op at 134-138 Duane St.; a $435,000 first mortgage and a $200,000 line of credit for a nine-unit co-op located at 314 West 19th St.; and a $286,000 first mortgage and a $100,000 line of credit for Steric Realty Corp., a five-unit co-op located at 131 West 78th St. Howe arranged $3 million in loans: a $1.3 million first mortgage and a $250,000 line of credit for a 62-unit co-op at 720 East 31st St., Brooklyn; an $825,000 line of credit for Netherland Gardens Owners Corp., a 58-unit co-op at 205 West Post Rd., White Plains; and a $600,000 third term mortgage for McLean Towers, Inc., an 81-unit co-op at 385 McLean Ave., Yonkers. NCB's senior VP Mindy Goldstein arranged $14 million in loans: a $4.1 million first mortgage and a $500,000 line of credit for a 187-unit co-op at 2630 Kingsbridge Terr., Bronx; a $2.7 million first mortgage and a $500,000 line of credit for a 95-unit co-op at 5 Oakdale Manor, Suffern; a $2 million first mortgage and a $1 million line of credit for Lenox Manor Owners, Inc., a 153-unit co-op at 176 East 77th St.; a $1.5 million first mortgage and a $500,000 line of credit for a 44-unit co-op at 100 Randall Ave., Freeport; a $700,000 line of credit for 165 Housing Corp., a 22-unit co-op at 165 Perry St.; and a $500,000 line of credit for an eight-unit co-op at 9 West 16th St.