as of december 31 , 2015 , what was the percentage of the loans extended under home equity lines of credit in the citi 2019s home equity loan portfolio
during 2015 , continued management actions , primarily the sale or transfer to held-for-sale of approximately $ 1.5 billion of delinquent residential first mortgages , including $ 0.9 billion in the fourth quarter largely associated with the transfer of citifinancial loans to held-for-sale referenced above , were the primary driver of the overall improvement in delinquencies within citi holdings 2019 residential first mortgage portfolio . credit performance from quarter to quarter could continue to be impacted by the amount of delinquent loan sales or transfers to held-for-sale , as well as overall trends in hpi and interest rates . north america residential first mortgages 2014state delinquency trends the following tables set forth the six u.s . states and/or regions with the highest concentration of citi 2019s residential first mortgages. .

| In billions of dollars | December 31, 2015 | December 31, 2014 |
| :--- | :--- | :--- |
| State<sup>(1)</sup> | ENR<sup>(2)</sup> | ENRDistribution | 90+DPD% | %LTV >100%<sup>(3)</sup> | RefreshedFICO | ENR<sup>(2)</sup> | ENRDistribution | 90+DPD% | %LTV >100%<sup>(3)</sup> | RefreshedFICO |
| CA | $19.2 | 37% | 0.2% | 1% | 754 | $18.9 | 31% | 0.6% | 2% | 745 |
| NY/NJ/CT<sup>(4)</sup> | 12.7 | 25 | 0.8 | 1 | 751 | 12.2 | 20 | 1.9 | 2 | 740 |
| VA/MD | 2.2 | 4 | 1.2 | 2 | 719 | 3.0 | 5 | 3.0 | 8 | 695 |
| IL<sup>(4)</sup> | 2.2 | 4 | 1.0 | 3 | 735 | 2.5 | 4 | 2.5 | 9 | 713 |
| FL<sup>(4)</sup> | 2.2 | 4 | 1.1 | 4 | 723 | 2.8 | 5 | 3.0 | 14 | 700 |
| TX | 1.9 | 4 | 1.0 | — | 711 | 2.5 | 4 | 2.7 | — | 680 |
| Other | 11.0 | 21 | 1.3 | 2 | 710 | 18.2 | 30 | 3.3 | 7 | 677 |
| Total<sup>(5)</sup> | $51.5 | 100% | 0.7% | 1% | 738 | $60.1 | 100% | 2.1% | 4% | 715 |

total ( 5 ) $ 51.5 100% ( 100 % ) 0.7% ( 0.7 % ) 1% ( 1 % ) 738 $ 60.1 100% ( 100 % ) 2.1% ( 2.1 % ) 4% ( 4 % ) 715 note : totals may not sum due to rounding . ( 1 ) certain of the states are included as part of a region based on citi 2019s view of similar hpi within the region . ( 2 ) ending net receivables . excludes loans in canada and puerto rico , loans guaranteed by u.s . government agencies , loans recorded at fair value and loans subject to long term standby commitments ( ltscs ) . excludes balances for which fico or ltv data are unavailable . ( 3 ) ltv ratios ( loan balance divided by appraised value ) are calculated at origination and updated by applying market price data . ( 4 ) new york , new jersey , connecticut , florida and illinois are judicial states . ( 5 ) improvement in state trends during 2015 was primarily due to the sale or transfer to held-for-sale of residential first mortgages , including the transfer of citifinancial residential first mortgages to held-for-sale in the fourth quarter of 2015 . foreclosures a substantial majority of citi 2019s foreclosure inventory consists of residential first mortgages . at december 31 , 2015 , citi 2019s foreclosure inventory included approximately $ 0.1 billion , or 0.2% ( 0.2 % ) , of the total residential first mortgage portfolio , compared to $ 0.6 billion , or 0.9% ( 0.9 % ) , at december 31 , 2014 , based on the dollar amount of ending net receivables of loans in foreclosure inventory , excluding loans that are guaranteed by u.s . government agencies and loans subject to ltscs . north america consumer mortgage quarterly credit trends 2014net credit losses and delinquencies 2014home equity citi 2019s home equity loan portfolio consists of both fixed-rate home equity loans and loans extended under home equity lines of credit . fixed-rate home equity loans are fully amortizing . home equity lines of credit allow for amounts to be drawn for a period of time with the payment of interest only and then , at the end of the draw period , the then-outstanding amount is converted to an amortizing loan ( the interest-only payment feature during the revolving period is standard for this product across the industry ) . after conversion , the home equity loans typically have a 20-year amortization period . as of december 31 , 2015 , citi 2019s home equity loan portfolio of $ 22.8 billion consisted of $ 6.3 billion of fixed-rate home equity loans and $ 16.5 billion of loans extended under home equity lines of credit ( revolving helocs ) . .

ratio = 16.5 / 22.8
answer = ratio * 100