SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                 --------------


                                    FORM 8-K

                                 CURRENT REPORT


                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


                         Date of Report: December 3, 2003
                        ---------------------------------
                        (Date of earliest event reported)


                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2003-11)
    --------------------------------------------------------------------------
               (Exact name of registrant as specified in charter)


   Delaware                     333-109722                     13-3408717
 ----------------------------------------------------------------------------
  (State or other juris-       (Commission                 (I.R.S. Employer
 diction of organization)       File Nos.)                Identification No.)


    1000 Technology Drive, O'Fallon, Missouri                 63304
--------------------------------------------------          ----------
   (Address of principal executive offices)                 (Zip Code)


Registrant's Telephone Number, including area code: (636) 261-1313

--------------------------------------------------------------------------
(Former name, former address and former fiscal year, if changed since last
report.)


<PAGE>

Item 5.        Other Events.

     The following are Collateral Term Sheets prepared by Goldman, Sachs & Co.
as underwriter in connection with the offering of Citicorp Mortgage Securities,
Inc. ("CMSI") REMIC Pass-Through Certificates, Series 2003-11. The information
set forth in these Collateral Term Sheets will be superseded in its entirety by
the information set forth in the final prospectus for the Series 2003-11 REMIC
Pass-Through Certificates and by any subsequent Collateral Term Sheets filed
under Form 8-K subsequent to the date and time hereof related to the Series
2003-11 REMIC Pass-Through Certificates.


Item 7.  Financial Statements, Pro Forma Financial Information
         and Exhibits.

         (a)       Not applicable.

         (b)       Not applicable.

         (c)       Exhibits


                  Exhibit No.       Description
                  -----------       ------------------

                    99              Collateral Term Sheets prepared by Goldman,
                                    Sachs & Co. as underwriter of CMSI Series
                                    2003-11 REMIC Pass-Through Certificates



<PAGE>

                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


                                            CITICORP MORTGAGE SECURITIES, INC.
                                            (Registrant)

                                            By: /s/ Howard Darmstadter
                                               -------------------------
                                                    Howard Darmstadter
                                                    Assistant Secretary


Dated: December 3, 2003



<PAGE>


                                  EXHIBIT INDEX


Exhibit No.                   Description
-----------             -------------------------

    99                  Collateral Term Sheets prepared by Goldman,
                        Sachs & Co. as underwriter of CMSI Series
                        2003-11 REMIC Pass-Through Certificates
[{"type": "8-K", "sequence": "1", "filename": "collateral8kgs2003-11.txt", "description": "CMSI 2003-11 GOLDMAN COLLATERAL TERM SHEETS", "secsgml_size_bytes": 3826}]
{"company-data": {"conformed-name": "CITICORP MORTGAGE SECURITIES INC", "cik": "0000811785", "assigned-sic": "6189", "irs-number": "133408717", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-16107", "film-number": "031034288"}, "business-address": {"street1": "1000 TECHNOLOGY DRIVE", "city": "O'FALLON", "state": "MO", "zip": "63304", "phone": "6362611313"}, "mail-address": {"street1": "CITIGROUP INC CORPORATE LAW DEPT", "street2": "425 PARK AVENUE 2ND FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10043"}}
SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                 --------------

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

                         Date of Report: December 3, 2003
                        ---------------------------------
                        (Date of earliest event reported)

                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2003-11)
    --------------------------------------------------------------------------
               (Exact name of registrant as specified in charter)

   Delaware                     333-109722                     13-3408717
 ----------------------------------------------------------------------------
  (State or other juris-       (Commission                 (I.R.S. Employer
 diction of organization)       File Nos.)                Identification No.)

    1000 Technology Drive, O'Fallon, Missouri                 63304
--------------------------------------------------          ----------
   (Address of principal executive offices)                 (Zip Code)

Registrant's Telephone Number, including area code: (636) 261-1313

--------------------------------------------------------------------------
(Former name, former address and former fiscal year, if changed since last
report.)
Item 5.        Other Events.

     The following are Collateral Term Sheets prepared by Goldman, Sachs & Co.
as underwriter in connection with the offering of Citicorp Mortgage Securities,
Inc. ("CMSI") REMIC Pass-Through Certificates, Series 2003-11. The information
set forth in these Collateral Term Sheets will be superseded in its entirety by
the information set forth in the final prospectus for the Series 2003-11 REMIC
Pass-Through Certificates and by any subsequent Collateral Term Sheets filed
under Form 8-K subsequent to the date and time hereof related to the Series
2003-11 REMIC Pass-Through Certificates.

Item 7.  Financial Statements, Pro Forma Financial Information
         and Exhibits.

         (a)       Not applicable.

         (b)       Not applicable.

         (c)       Exhibits

                  Exhibit No.       Description
                  -----------       ------------------

                    99              Collateral Term Sheets prepared by Goldman,
                                    Sachs & Co. as underwriter of CMSI Series
                                    2003-11 REMIC Pass-Through Certificates
SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                            CITICORP MORTGAGE SECURITIES, INC.
                                            (Registrant)

                                            By: /s/ Howard Darmstadter
                                               -------------------------
                                                    Howard Darmstadter
                                                    Assistant Secretary

Dated: December 3, 2003
EXHIBIT INDEX

Exhibit No.                   Description
-----------             -------------------------

    99                  Collateral Term Sheets prepared by Goldman,
                        Sachs & Co. as underwriter of CMSI Series
                        2003-11 REMIC Pass-Through Certificates