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. .
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 ) . .
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
in billions of dollars state ( 1 ) in billions of dollars enr ( 2 ) in billions of dollars enrdistribution in billions of dollars 90+dpd% ( 90+dpd % ) in billions of dollars %ltv >100% ( >100 % ) ( 3 ) in billions of dollars refreshedfico in billions of dollars enr ( 2 ) in billions of dollars enrdistribution in billions of dollars 90+dpd% ( 90+dpd % ) %ltv >100% ( >100 % ) ( 3 ) refreshedfico
ca $ 19.2 37% ( 37 % ) 0.2% ( 0.2 % ) 1% ( 1 % ) 754 $ 18.9 31% ( 31 % ) 0.6% ( 0.6 % ) 2% ( 2 % ) 745
ny/nj/ct ( 4 ) 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 ( 4 ) 2.2 4 1.0 3 735 2.5 4 2.5 9 713
fl ( 4 ) 2.2 4 1.1 4 723 2.8 5 3.0 14 700
tx 1.9 4 1.0 2014 711 2.5 4 2.7 2014 680
other 11.0 21 1.3 2 710 18.2 30 3.3 7 677
total ( 5 ) $ 51.5 100% ( 100 % ) 0.7% ( 0.7 % ) 1% ( 1 % ) 738 $ 60.1 100% ( 100 % ) 2.1% ( 2.1 % ) 4% ( 4 % ) 715