Financial report context:
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. .

Financial table:
in billions of dollars state ( 1 ): ca; in billions of dollars enr ( 2 ): $ 19.2; in billions of dollars enrdistribution: 37% ( 37 % ); in billions of dollars 90+dpd% ( 90+dpd % ): 0.2% ( 0.2 % ); in billions of dollars %ltv >100% ( >100 % ) ( 3 ): 1% ( 1 % ); in billions of dollars refreshedfico: 754; in billions of dollars enr ( 2 ): $ 18.9; in billions of dollars enrdistribution: 31% ( 31 % ); in billions of dollars 90+dpd% ( 90+dpd % ): 0.6% ( 0.6 % ); %ltv >100% ( >100 % ) ( 3 ): 2% ( 2 % ); refreshedfico: 745
in billions of dollars state ( 1 ): ny/nj/ct ( 4 ); in billions of dollars enr ( 2 ): 12.7; in billions of dollars enrdistribution: 25; in billions of dollars 90+dpd% ( 90+dpd % ): 0.8; in billions of dollars %ltv >100% ( >100 % ) ( 3 ): 1; in billions of dollars refreshedfico: 751; in billions of dollars enr ( 2 ): 12.2; in billions of dollars enrdistribution: 20; in billions of dollars 90+dpd% ( 90+dpd % ): 1.9; %ltv >100% ( >100 % ) ( 3 ): 2; refreshedfico: 740
in billions of dollars state ( 1 ): va/md; in billions of dollars enr ( 2 ): 2.2; in billions of dollars enrdistribution: 4; in billions of dollars 90+dpd% ( 90+dpd % ): 1.2; in billions of dollars %ltv >100% ( >100 % ) ( 3 ): 2; in billions of dollars refreshedfico: 719; in billions of dollars enr ( 2 ): 3.0; in billions of dollars enrdistribution: 5; in billions of dollars 90+dpd% ( 90+dpd % ): 3.0; %ltv >100% ( >100 % ) ( 3 ): 8; refreshedfico: 695
in billions of dollars state ( 1 ): il ( 4 ); in billions of dollars enr ( 2 ): 2.2; in billions of dollars enrdistribution: 4; in billions of dollars 90+dpd% ( 90+dpd % ): 1.0; in billions of dollars %ltv >100% ( >100 % ) ( 3 ): 3; in billions of dollars refreshedfico: 735; in billions of dollars enr ( 2 ): 2.5; in billions of dollars enrdistribution: 4; in billions of dollars 90+dpd% ( 90+dpd % ): 2.5; %ltv >100% ( >100 % ) ( 3 ): 9; refreshedfico: 713
in billions of dollars state ( 1 ): fl ( 4 ); in billions of dollars enr ( 2 ): 2.2; in billions of dollars enrdistribution: 4; in billions of dollars 90+dpd% ( 90+dpd % ): 1.1; in billions of dollars %ltv >100% ( >100 % ) ( 3 ): 4; in billions of dollars refreshedfico: 723; in billions of dollars enr ( 2 ): 2.8; in billions of dollars enrdistribution: 5; in billions of dollars 90+dpd% ( 90+dpd % ): 3.0; %ltv >100% ( >100 % ) ( 3 ): 14; refreshedfico: 700
in billions of dollars state ( 1 ): tx; in billions of dollars enr ( 2 ): 1.9; in billions of dollars enrdistribution: 4; in billions of dollars 90+dpd% ( 90+dpd % ): 1.0; in billions of dollars %ltv >100% ( >100 % ) ( 3 ): 2014; in billions of dollars refreshedfico: 711; in billions of dollars enr ( 2 ): 2.5; in billions of dollars enrdistribution: 4; in billions of dollars 90+dpd% ( 90+dpd % ): 2.7; %ltv >100% ( >100 % ) ( 3 ): 2014; refreshedfico: 680
in billions of dollars state ( 1 ): other; in billions of dollars enr ( 2 ): 11.0; in billions of dollars enrdistribution: 21; in billions of dollars 90+dpd% ( 90+dpd % ): 1.3; in billions of dollars %ltv >100% ( >100 % ) ( 3 ): 2; in billions of dollars refreshedfico: 710; in billions of dollars enr ( 2 ): 18.2; in billions of dollars enrdistribution: 30; in billions of dollars 90+dpd% ( 90+dpd % ): 3.3; %ltv >100% ( >100 % ) ( 3 ): 7; refreshedfico: 677
in billions of dollars state ( 1 ): total ( 5 ); in billions of dollars enr ( 2 ): $ 51.5; in billions of dollars enrdistribution: 100% ( 100 % ); in billions of dollars 90+dpd% ( 90+dpd % ): 0.7% ( 0.7 % ); in billions of dollars %ltv >100% ( >100 % ) ( 3 ): 1% ( 1 % ); in billions of dollars refreshedfico: 738; in billions of dollars enr ( 2 ): $ 60.1; in billions of dollars enrdistribution: 100% ( 100 % ); in billions of dollars 90+dpd% ( 90+dpd % ): 2.1% ( 2.1 % ); %ltv >100% ( >100 % ) ( 3 ): 4% ( 4 % ); refreshedfico: 715

Additional report context:
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 ) . .

Question: what percentage of citi's home equity portfolio as of december 31 , 2015 was comprised of fixed-rate home equity loans?
Answer: 28%