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 ) . .

Question: Analyse this data from a financial earnings document. what percentage of citi's home equity portfolio as of december 31 , 2015 was comprised of fixed-rate home equity loans?
Choices:
0.27632
-0.27632
0.30702
3.61905
-16.5
Correct choice index: 0