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: July 16, 2004
                        ---------------------------------
                        (Date of earliest event reported)


                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2004-5)
    --------------------------------------------------------------------------
               (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 Credit Suisse First
Boston LLC as underwriter in connection with the offering of Citicorp Mortgage
Securities, Inc. ("CMSI") REMIC Pass-Through Certificates, Series 2004-5. 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information set forth in these Collateral Term Sheets will be superseded in its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
2004-5 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 2004-5 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 Credit
                                    Suisse First Boston LLC as underwriter of
                                    CMSI Series 2004-5 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: July 16, 2004



<PAGE>


                                  EXHIBIT INDEX


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

    99                  Collateral Term Sheets prepared by Credit
                        Suisse First Boston LLC as underwriter of
                        CMSI Series 2004-5 REMIC Pass-Through Certificates
[{"type": "8-K", "sequence": "1", "filename": "collateral8kcsfb2004-5.txt", "description": "CMSI 2004-5 CSFB COLLATERAL TERM SHEETS", "secsgml_size_bytes": 3880}]
{"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": "04918486"}, "business-address": {"street1": "1000 TECHNOLOGY DRIVE", "city": "O", "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: July 16, 2004
                        ---------------------------------
                        (Date of earliest event reported)

                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2004-5)
    --------------------------------------------------------------------------
               (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 Credit Suisse First
Boston LLC as underwriter in connection with the offering of Citicorp Mortgage
Securities, Inc. ("CMSI") REMIC Pass-Through Certificates, Series 2004-5. 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
2004-5 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 2004-5 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 Credit
                                    Suisse First Boston LLC as underwriter of
                                    CMSI Series 2004-5 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: July 16, 2004
EXHIBIT INDEX

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

    99                  Collateral Term Sheets prepared by Credit
                        Suisse First Boston LLC as underwriter of
                        CMSI Series 2004-5 REMIC Pass-Through Certificates