By Steve Kropper CitiMortgage is ready if the latest decline in refinancings sticks.Anticipating the rise in rates and the drop off in refi applications, CitiMortgage was putting new sales channels in place more than a year ahead of time.In addition to looking outside at the customary alliances with realtors and the growing focus on emerging markets, CitiMortgage looked inward at its own customer bases. Looking inward means portfolio