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: March 11, 2002
                        --------------------------------
                        (Date of earliest event reported)


                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2002-3)
    -------------------------------------------------------------------------
               (Exact name of registrant as specified in charter)


   Delaware                     333-72082                     13-3408713
 ----------------------------------------------------------------------------
  (State or other juris-       (Commission                 (I.R.S. Employer
 diction of organization)       File Nos.)                Identification No.)


12855 North Outer Forty Drive, St. Louis, Missouri            63141
--------------------------------------------------          ----------
   (Address of principal executive offices)                 (Zip Code)


Registrant's Telephone Number, including area code: (314) 851-6305

--------------------------------------------------------------------------
(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 Citicorp Mortgage
Securities, Inc. ("CMSI") in connection with the offering of its REMIC Pass-
Through Certificates, Series 2002-3. 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Collateral Term Sheets will be superseded in its entirety by the information set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 2002-3 REMIC Pass-Through
Certificates and by any subsequent Collateral Term Sheets filed under Form 8-K
subsequent to the date hereof related to the Series 2002-3 REMIC Pass-Through
Certificates.

     On March 28, 2002, CMSI is to transfer to the Trustee mortgage loans(1)
with an aggregate scheduled principal balance outstanding (after deducting
principal payments due on or before March 1, 2002) as of March 1, 2002 of
$608,458,121.19. The mortgage loans that have original maturites of at least 20
years but no more than 30 years, the "group I mortgage loans" have an aggregate
scheduled principal balance outstanding (after deducting principal payments due
on or before March 1, 2002) as of March 1, 2002 of $405,167,239.13. The
mortgage loans that have original maturites of at least 10 years but no more
than 15 years, the "group II mortgage loans" have an aggregate scheduled
principal balance outstanding (after deducting principal payments due on or
before March 1, 2002) as of March 1, 2002 of $203,290,882.06. Information
below is provided with respect to all mortgage loans expected to be included in
the mortgage loan pool.

     The total numbers of the group I mortgage loans and the group II mortgage
loans as of March 1, 2002 were 843 and 446, respectively. The weighted average
interest rates on the group I mortgage loans and the group II mortgage loans
(before deduction of the servicing fee) as of March 1, 2002 were 6.886% and
6.515%, respectively. The weighted average remaining terms to stated maturity of
the group I mortgage loans and the group II mortgage loans as of March 1, 2002
were 356.47 months and 177.57 months, respectively. All mortgage loans have
original maturities of at least 10 but no more than 30 years. None of the group
I mortgage loans or the group II mortgage loans were originated prior to March
1, 2001 and February 1, 2001, respectively, or after March 1, 2002. The weighted
average original terms to stated maturity of the group I mortgage loans and the
group II mortgage loans as of March 1, 2002 were 359.21 months and 179.61
months, respectively.

     None of the group I mortgage loans and the group II mortgage loans have a
scheduled maturity later than March 1, 2032 and March 1, 2017, respectively.
Each group I mortgage loan and group II mortgage loan had an original principal
balance of not less than $55,000 and $43,650, respectively, nor more than
$1,000,000. Group I mortgage loans and group II mortgage loans having aggregate
scheduled principal balances of $7,808,611 and $839,177, respectively, as of
March 1, 2002 had loan-to-value ratios at origination in excess of 80%, but no
mortgage loans had loan-to-value ratios in excess of 95%. The weighted average
loan-to-value ratios at origination of the group I mortgage loans and the group
II mortgage loans as of March 1, 2002 were 65.5% and 57.3%, respectively. No
more than $4,523,722 and $2,321,188, respectively, of the group I mortgage loans
and the group II mortgage loans are secured by mortgaged properties located in
any one zip code. At least 98%(2) and 96%, respectively, of the group I mortgage
loans and the group II mortgage loans are secured by mortgaged properties
determined by CitiMortgage, Inc. to be the primary residence of the borrower.

-----------
1    Terms used herein and not defined have the meaning assigned thereto in the
     form of Prospectus included in CMSI's Registration Statement(333-72082).

2    Such percentages are expressed as a percentage of the aggregate scheduled
     principal balance of the group I mortgage loans having such characteristics
     relative to the aggregate scheduled principal balance of all the group I
     mortgage loans or as a percentage of the aggregate scheduled principal
     balance of the group II mortgage loans having such characteristics relative
     to the aggregate scheduled principal balance of all the group II mortgage
     loans.

<PAGE>


     At least 99% and 96%, respectively, of the group I mortgage loans and the
group II mortgage loans will be mortgage loans originated using loan
underwriting policies which require, among other things, proof of income and
liquid assets and telephone verification of employment, or are refinanced
mortgage loans originated using alternative or streamlined underwriting
policies. No more than 1% and 4%, respectively of the group I mortgage loans and
the group II mortgage loans will be mortgage loans originated using a loan
underwriting policy which, among other things, requires verification of
employment and may require proof of liquid assets, but does not require
verification of income as stated on the loan application. No more than 76% and
90%, respectively, of the group I mortgage loans and the group II mortgage loans
will be refinanced mortgage loans originated using alternative or streamlined
underwriting policies.

     All of the mortgage loans which had loan-to-value ratios greater than 80%
at origination had primary mortgage insurance as of such date. In the case of
the group I mortgage loans and the group II mortgage loans for which additional
collateral was pledged, taken as a group:

     1.   the numbers of such group I mortgage loans and group II mortgage loans
          are 5 and 4, respectively;

     2.   such group I mortgage loans and group II mortgage loans have aggregate
          scheduled principal balances of $954,589 and $1,078,336, respectively;

     3.   the weighted average loan-to-value ratios of such group I mortgage
          loans and group II mortgage loans, taking into account the loanable
          value of the pledged additional collateral, are 80.0% and 78.2%,
          respectively; and

     4.   the weighted average loan-to-value ratios of such group I mortgage
          loans and group II mortgage loans, without taking into account the
          loanable value of the pledged additional collateral, are 96.3% and
          94.7%, respectively.

     Group I discount loans will consist of group I mortgage loans with net loan
rates less than 6.250%. Group I premium loans will consist of group I mortgage
loans with net loan rates greater than or equal to 6.250%. The aggregate
scheduled principal balances outstanding as of the cut-off date of the group I
discount loans and the group I premium loans were $6,772,757 and $398,394,482,
respectively. The weighted average interest rates of the group I discount loans
and the group I premium loans, as of the cut-off date, were 6.345% and 6.895%,
respectively. The weighted average remaining terms to stated maturity of the
group I discount loans and the group I premium loans, as of the cut-off date,
were 357.44 months and 356.45, respectively.

     Group II discount loans will consist of group II mortgage loans with net
loan rates less than 6.000%. Group II premium loans will consist of group II
mortgage loans with net loan rates greater than or equal to 6.000%. The
aggregate scheduled principal balances outstanding as of the cut-off date of the
group II discount loans and the group II premium loans were $9,122,169 and
$194,168,713, respectively. The weighted average interest rates of the group II
discount loans and the group II premium loans, as of the cut-off date, were
6.017% and 6.538%, respectively. The weighted average remaining terms to stated
maturity of the group II discount loans and the group II premium loans, as of
the cut-off date, were 177.70 months and 177.57, respectively.


<PAGE>


      The following tables set forth information regarding the mortgage loans as
of March 1, 2002.


                 YEARS OF ORIGINATION OF GROUP I MORTGAGE LOANS

                                  Number of                 Aggregate Principal
Year Originated                   Loans                    Balances Outstanding
---------------                   --------                 --------------------

2001                                799                         $380,412,164

2002                                 44                           $24,755,075


Total                               843                         $405,167,239
                                    ===                         ============


                 YEARS OF ORIGINATION OF GROUP II MORTGAGE LOANS

                                  Number of                 Aggregate Principal
Year Originated                   Loans                    Balances Outstanding
---------------                   --------                 --------------------

2001                                310                         $142,388,243

2002                                136                          $60,902,639


Total                               446                         $203,290,882
                                    ===                         ============


<PAGE>


              TYPES OF DWELLINGS SUBJECT TO GROUP I MORTGAGE LOANS

Type of                           Number of                 Aggregate Principal
Dwelling Unit                     Loans                    Balances Outstanding
-------------                     ---------                --------------------

Detached Houses                     775                         $373,641,644

Multi-family Dwellings*               9                           $5,472,375

Townhouses                           11                           $5,982,895

Condominium Units (one to four       15                           $5,431,178
stories high)

Condominium Units (over four          5                           $2,247,704
stories high)

Cooperative Units                    28                          $12,391,443


Total                               843                         $405,167,239
                                    ===                         ============

-----------
*   Multi-family dwellings are 2-family and 3-family.


              TYPES OF DWELLINGS SUBJECT TO GROUP II MORTGAGE LOANS

Type of                           Number of                 Aggregate Principal
Dwelling Unit                     Loans                    Balances Outstanding
-------------                     ---------                --------------------

Detached Houses                     422                         $193,883,429

Multi-family Dwellings*               2                             $681,641

Townhouses                           10                           $3,595,880

Condominium Units (one to four        7                           $2,577,572
stories high)

Condominium Units (over four          1                             $737,773
stories high)

Cooperative Units                     4                           $1,814,587


Total                               446                         $203,290,882
                                    ===                         ============

-----------
*   Multi-family dwellings are 2-family.


<PAGE>


         NUMBER OF UNITS IN DWELLINGS SUBJECT TO GROUP I MORTGAGE LOANS

Type of                           Number of                 Aggregate Principal
Dwelling Unit                     Loans                    Balances Outstanding
-------------                     ---------                --------------------

1-family                            834                         $399,694,863

2-family                              8                           $4,964,392

3-family                              1                             $507,984


Total                               843                         $405,167,239
                                    ===                         ============


         NUMBER OF UNITS IN DWELLINGS SUBJECT TO GROUP II MORTGAGE LOANS

Type of                           Number of                 Aggregate Principal
Dwelling Unit                     Loans                    Balances Outstanding
-------------                     ---------                --------------------

1-family                            444                         $202,609,241

2-family                              2                             $681,641


Total                               446                         $203,290,882
                                    ===                         ============



<PAGE>


                         SIZE OF GROUP I MORTGAGE LOANS

Outstanding Principal             Number of                 Aggregate Principal
Balance by Loan Size              Loans                    Balances Outstanding
---------------------             ---------                --------------------

$149,999 and under                    3                             $217,747

$150,000 through $199,999             1                             $174,860

$200,000 through $299,999             1                             $202,931

$300,000 through $349,999           153                          $50,364,004

$350,000 through $399,999           151                          $57,072,735

$400,000 through $449,999           130                          $55,288,314

$450,000 through $499,999           113                          $53,665,700

$500,000 through $549,999            64                          $33,623,194

$550,000 through $599,999            61                          $35,516,745

$600,000 through $649,999            63                          $39,778,052

$650,000 through $699,999            62                          $42,713,226

$700,000 through $749,999             4                           $2,855,427

$750,000 through $799,999             6                           $4,661,293

$800,000 through $849,999             5                           $4,164,653

$850,000 through $899,999             5                           $4,406,351

$900,000 through $949,999             3                           $2,798,792

$950,000 and over                    18                          $17,663,215


Total                               843                         $405,167,239
                                    ===                         ============


<PAGE>


                         SIZE OF GROUP II MORTGAGE LOANS

Outstanding Principal             Number of                 Aggregate Principal
Balance by Loan Size              Loans                    Balances Outstanding
---------------------             ---------                --------------------

$149,999 and under                    4                             $317,037

$150,000 through $249,999             2                             $374,873

$250,000 through $299,999             2                             $577,638

$300,000 through $349,999            92                          $30,217,189

$350,000 through $399,999           108                          $40,669,048

$400,000 through $449,999            57                          $24,455,774

$450,000 through $499,999            55                          $26,369,064

$500,000 through $549,999            36                          $18,866,223

$550,000 through $599,999            24                          $14,014,201

$600,000 through $649,999            21                          $13,188,861

$650,000 through $699,999            24                          $16,486,910

$700,000 through $749,999             3                           $2,180,918

$750,000 through $799,999             6                           $4,708,201

$800,000 through $849,999             4                           $3,313,024

$850,000 through $899,999             2                           $1,774,050

$900,000 through $949,999             2                           $1,815,785

$950,000 and over                     4                           $3,962,086


Total                               446                         $203,290,882
                                    ===                         ============


<PAGE>


              DISTRIBUTION OF GROUP I MORTGAGE LOANS BY NOTE RATES

Mortgage Loan                     Number of                 Aggregate Principal
Note Rate                         Loans                    Balances Outstanding
-------------                     ---------                --------------------

6.250% - 6.500%                      66                          $30,510,599

6.501% - 7.000%                     608                         $295,876,416

7.001% - 7.500%                     163                          $76,399,723

7.501% - 8.000%                       6                           $2,380,501


Total                               843                         $405,167,239
                                    ===                         ============


              DISTRIBUTION OF GROUP II MORTGAGE LOANS BY NOTE RATES

Mortgage Loan                     Number of                 Aggregate Principal
Note Rate                         Loans                    Balances Outstanding
-------------                     ---------                --------------------

5.750% - 6.000%                      10                           $4,046,619

6.001% - 6.500%                     283                         $128,103,295

6.501% - 7.000%                     149                          $69,479,900

7.001% - 7.250%                       4                           $1,661,068


Total                               446                         $203,290,882
                                    ===                         ============


<PAGE>


                     DISTRIBUTION OF GROUP I MORTGAGE LOANS
                     BY LOAN-TO-VALUE RATIOS AT ORIGINATION

                                  Number of                 Aggregate Principal
Loan-To-Value Ratio               Loans                    Balances Outstanding
-------------------               ---------                --------------------

65.00% and below                    339                         $175,278,536

65.001% - 75.000%                   222                         $104,343,976

75.001% - 80.000%                   261                         $117,736,116

80.001% - 85.000%                     7                           $2,681,328

85.001% - 90.000%                    14                           $5,127,283


Total                               843                         $405,167,239
                                    ===                         ============


                     DISTRIBUTION OF GROUP II MORTGAGE LOANS
                     BY LOAN-TO-VALUE RATIOS AT ORIGINATION

                                  Number of                 Aggregate Principal
Loan-To-Value Ratio               Loans                    Balances Outstanding
-------------------               ---------                --------------------

65.00% and below                    280                         $130,457,729

65.001% - 75.000%                    96                          $43,254,432

75.001% - 80.000%                    67                          $28,739,544

80.001% - 90.000%                     3                             $839,177


Total                               446                         $203,290,882
                                    ===                         ============


<PAGE>


                           GEOGRAPHIC DISTRIBUTION OF
                      GROUP I MORTGAGED PROPERTIES BY STATE

                                  Number of                 Aggregate Principal
State                             Loans                    Balances Outstanding
-----                             --------                 --------------------

Alabama                               8                           $3,827,067
Arizona                              14                           $6,286,218
Arkansas                              5                           $2,889,995
California                          198                          $97,626,688
Colorado                             27                          $13,637,883
Connecticut                          44                          $22,904,791
Delaware                              1                             $318,859
District of Columbia                  3                           $1,311,720
Florida                              25                          $11,613,161
Georgia                              32                          $14,693,235
Hawaii                                1                             $480,947
Illinois                             55                          $25,716,668
Indiana                               4                           $1,624,623
Kansas                                1                             $422,883
Kentucky                              4                           $2,576,033
Louisiana                             2                           $1,147,960
Maryland                             30                          $16,049,093
Massachusetts                        76                          $34,572,645
Michigan                              7                           $2,885,170
Minnesota                             3                           $1,521,424
Mississippi                           2                             $959,667
Missouri                             25                          $12,473,747
Montana                               2                           $1,099,144
Nevada                                2                             $963,206
New Jersey                           30                          $13,994,818
New Mexico                            4                           $1,581,034
New York                             88                          $40,430,791
North Carolina                       18                           $9,445,162
Ohio                                 12                           $6,604,793
Oregon                                2                             $731,034
Pennsylvania                          9                           $4,134,739
Rhode Island                          1                             $466,232
South Carolina                       11                           $5,020,957
Tennessee                             4                           $2,373,778
Texas                                27                          $12,170,584
Utah                                  6                           $3,637,214
Vermont                               2                             $951,323
Virginia                             49                          $22,425,363
Washington                            6                           $2,694,939
West Virginia                         1                              $68,881
Wyoming                               2                             $832,770


Total                               843                         $405,167,239
                                    ===                         ============


<PAGE>


                           GEOGRAPHIC DISTRIBUTION OF
                     GROUP II MORTGAGED PROPERTIES BY STATE

                                  Number of                 Aggregate Principal
State                             Loans                    Balances Outstanding
-----                             --------                 --------------------

Alabama                               5                           $2,103,153
Arizona                               3                           $1,193,837
Arkansas                              3                           $1,097,808
California                          120                          $55,445,780
Colorado                             21                          $10,923,216
Connecticut                          20                          $10,782,023
Delaware                              1                             $446,930
District of Columbia                  2                           $1,092,000
Florida                              11                           $5,680,956
Georgia                              14                           $6,489,971
Illinois                             27                          $11,606,177
Indiana                               5                           $2,963,726
Kansas                                1                             $381,509
Kentucky                              1                             $413,222
Maryland                             12                           $4,843,253
Massachusetts                        22                          $10,427,678
Michigan                              3                           $1,605,876
Minnesota                             4                           $2,058,346
Mississippi                           2                             $701,588
Missouri                             14                           $5,760,190
Montana                               3                           $1,260,975
Nevada                                2                             $950,951
New Hampshire                         3                           $1,256,389
New Jersey                           18                           $8,119,300
New York                             24                          $10,371,362
North Carolina                       23                          $10,133,995
North Dakota                          1                             $505,087
Ohio                                  8                           $3,602,776
Pennsylvania                          4                           $1,165,709
South Carolina                        9                           $3,921,347
Tennessee                            11                           $5,080,141
Texas                                16                           $6,670,544
Utah                                  4                           $1,650,150
Virginia                             19                           $8,282,689
Washington                            9                           $3,767,975
Wisconsin                             1                             $534,253


Total                               446                         $203,290,882
                                    ===                         ============


<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: March 11, 2002
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{"company-data": {"conformed-name": "CITICORP MORTGAGE SECURITIES INC", "cik": "0000811785", "assigned-sic": "6189", "irs-number": "133408713", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-16107", "film-number": "02572096"}, "business-address": {"street1": "12855 NORTH OUTER FORTY DR", "city": "ST LOUIS", "state": "MO", "zip": "63141", "phone": "3148516305"}, "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: March 11, 2002
                        --------------------------------
                        (Date of earliest event reported)

                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2002-3)
    -------------------------------------------------------------------------
               (Exact name of registrant as specified in charter)

   Delaware                     333-72082                     13-3408713
 ----------------------------------------------------------------------------
  (State or other juris-       (Commission                 (I.R.S. Employer
 diction of organization)       File Nos.)                Identification No.)

12855 North Outer Forty Drive, St. Louis, Missouri            63141
--------------------------------------------------          ----------
   (Address of principal executive offices)                 (Zip Code)

Registrant's Telephone Number, including area code: (314) 851-6305

--------------------------------------------------------------------------
(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 Citicorp Mortgage
Securities, Inc. ("CMSI") in connection with the offering of its REMIC Pass-
Through Certificates, Series 2002-3. 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 2002-3 REMIC Pass-Through
Certificates and by any subsequent Collateral Term Sheets filed under Form 8-K
subsequent to the date hereof related to the Series 2002-3 REMIC Pass-Through
Certificates.

     On March 28, 2002, CMSI is to transfer to the Trustee mortgage loans(1)
with an aggregate scheduled principal balance outstanding (after deducting
principal payments due on or before March 1, 2002) as of March 1, 2002 of
$608,458,121.19. The mortgage loans that have original maturites of at least 20
years but no more than 30 years, the "group I mortgage loans" have an aggregate
scheduled principal balance outstanding (after deducting principal payments due
on or before March 1, 2002) as of March 1, 2002 of $405,167,239.13. The
mortgage loans that have original maturites of at least 10 years but no more
than 15 years, the "group II mortgage loans" have an aggregate scheduled
principal balance outstanding (after deducting principal payments due on or
before March 1, 2002) as of March 1, 2002 of $203,290,882.06. Information
below is provided with respect to all mortgage loans expected to be included in
the mortgage loan pool.

     The total numbers of the group I mortgage loans and the group II mortgage
loans as of March 1, 2002 were 843 and 446, respectively. The weighted average
interest rates on the group I mortgage loans and the group II mortgage loans
(before deduction of the servicing fee) as of March 1, 2002 were 6.886% and
6.515%, respectively. The weighted average remaining terms to stated maturity of
the group I mortgage loans and the group II mortgage loans as of March 1, 2002
were 356.47 months and 177.57 months, respectively. All mortgage loans have
original maturities of at least 10 but no more than 30 years. None of the group
I mortgage loans or the group II mortgage loans were originated prior to March
1, 2001 and February 1, 2001, respectively, or after March 1, 2002. The weighted
average original terms to stated maturity of the group I mortgage loans and the
group II mortgage loans as of March 1, 2002 were 359.21 months and 179.61
months, respectively.

     None of the group I mortgage loans and the group II mortgage loans have a
scheduled maturity later than March 1, 2032 and March 1, 2017, respectively.
Each group I mortgage loan and group II mortgage loan had an original principal
balance of not less than $55,000 and $43,650, respectively, nor more than
$1,000,000. Group I mortgage loans and group II mortgage loans having aggregate
scheduled principal balances of $7,808,611 and $839,177, respectively, as of
March 1, 2002 had loan-to-value ratios at origination in excess of 80%, but no
mortgage loans had loan-to-value ratios in excess of 95%. The weighted average
loan-to-value ratios at origination of the group I mortgage loans and the group
II mortgage loans as of March 1, 2002 were 65.5% and 57.3%, respectively. No
more than $4,523,722 and $2,321,188, respectively, of the group I mortgage loans
and the group II mortgage loans are secured by mortgaged properties located in
any one zip code. At least 98%(2) and 96%, respectively, of the group I mortgage
loans and the group II mortgage loans are secured by mortgaged properties
determined by CitiMortgage, Inc. to be the primary residence of the borrower.

-----------
1    Terms used herein and not defined have the meaning assigned thereto in the
     form of Prospectus included in CMSI's Registration Statement(333-72082).

2    Such percentages are expressed as a percentage of the aggregate scheduled
     principal balance of the group I mortgage loans having such characteristics
     relative to the aggregate scheduled principal balance of all the group I
     mortgage loans or as a percentage of the aggregate scheduled principal
     balance of the group II mortgage loans having such characteristics relative
     to the aggregate scheduled principal balance of all the group II mortgage
     loans.
At least 99% and 96%, respectively, of the group I mortgage loans and the
group II mortgage loans will be mortgage loans originated using loan
underwriting policies which require, among other things, proof of income and
liquid assets and telephone verification of employment, or are refinanced
mortgage loans originated using alternative or streamlined underwriting
policies. No more than 1% and 4%, respectively of the group I mortgage loans and
the group II mortgage loans will be mortgage loans originated using a loan
underwriting policy which, among other things, requires verification of
employment and may require proof of liquid assets, but does not require
verification of income as stated on the loan application. No more than 76% and
90%, respectively, of the group I mortgage loans and the group II mortgage loans
will be refinanced mortgage loans originated using alternative or streamlined
underwriting policies.

     All of the mortgage loans which had loan-to-value ratios greater than 80%
at origination had primary mortgage insurance as of such date. In the case of
the group I mortgage loans and the group II mortgage loans for which additional
collateral was pledged, taken as a group:

     1.   the numbers of such group I mortgage loans and group II mortgage loans
          are 5 and 4, respectively;

     2.   such group I mortgage loans and group II mortgage loans have aggregate
          scheduled principal balances of $954,589 and $1,078,336, respectively;

     3.   the weighted average loan-to-value ratios of such group I mortgage
          loans and group II mortgage loans, taking into account the loanable
          value of the pledged additional collateral, are 80.0% and 78.2%,
          respectively; and

     4.   the weighted average loan-to-value ratios of such group I mortgage
          loans and group II mortgage loans, without taking into account the
          loanable value of the pledged additional collateral, are 96.3% and
          94.7%, respectively.

     Group I discount loans will consist of group I mortgage loans with net loan
rates less than 6.250%. Group I premium loans will consist of group I mortgage
loans with net loan rates greater than or equal to 6.250%. The aggregate
scheduled principal balances outstanding as of the cut-off date of the group I
discount loans and the group I premium loans were $6,772,757 and $398,394,482,
respectively. The weighted average interest rates of the group I discount loans
and the group I premium loans, as of the cut-off date, were 6.345% and 6.895%,
respectively. The weighted average remaining terms to stated maturity of the
group I discount loans and the group I premium loans, as of the cut-off date,
were 357.44 months and 356.45, respectively.

     Group II discount loans will consist of group II mortgage loans with net
loan rates less than 6.000%. Group II premium loans will consist of group II
mortgage loans with net loan rates greater than or equal to 6.000%. The
aggregate scheduled principal balances outstanding as of the cut-off date of the
group II discount loans and the group II premium loans were $9,122,169 and
$194,168,713, respectively. The weighted average interest rates of the group II
discount loans and the group II premium loans, as of the cut-off date, were
6.017% and 6.538%, respectively. The weighted average remaining terms to stated
maturity of the group II discount loans and the group II premium loans, as of
the cut-off date, were 177.70 months and 177.57, respectively.
The following tables set forth information regarding the mortgage loans as
of March 1, 2002.

                 YEARS OF ORIGINATION OF GROUP I MORTGAGE LOANS

                                  Number of                 Aggregate Principal
Year Originated                   Loans                    Balances Outstanding
---------------                   --------                 --------------------

2001                                799                         $380,412,164

2002                                 44                           $24,755,075

Total                               843                         $405,167,239
                                    ===                         ============

                 YEARS OF ORIGINATION OF GROUP II MORTGAGE LOANS

                                  Number of                 Aggregate Principal
Year Originated                   Loans                    Balances Outstanding
---------------                   --------                 --------------------

2001                                310                         $142,388,243

2002                                136                          $60,902,639

Total                               446                         $203,290,882
                                    ===                         ============
TYPES OF DWELLINGS SUBJECT TO GROUP I MORTGAGE LOANS

Type of                           Number of                 Aggregate Principal
Dwelling Unit                     Loans                    Balances Outstanding
-------------                     ---------                --------------------

Detached Houses                     775                         $373,641,644

Multi-family Dwellings*               9                           $5,472,375

Townhouses                           11                           $5,982,895

Condominium Units (one to four       15                           $5,431,178
stories high)

Condominium Units (over four          5                           $2,247,704
stories high)

Cooperative Units                    28                          $12,391,443

Total                               843                         $405,167,239
                                    ===                         ============

-----------
*   Multi-family dwellings are 2-family and 3-family.

              TYPES OF DWELLINGS SUBJECT TO GROUP II MORTGAGE LOANS

Type of                           Number of                 Aggregate Principal
Dwelling Unit                     Loans                    Balances Outstanding
-------------                     ---------                --------------------

Detached Houses                     422                         $193,883,429

Multi-family Dwellings*               2                             $681,641

Townhouses                           10                           $3,595,880

Condominium Units (one to four        7                           $2,577,572
stories high)

Condominium Units (over four          1                             $737,773
stories high)

Cooperative Units                     4                           $1,814,587

Total                               446                         $203,290,882
                                    ===                         ============

-----------
*   Multi-family dwellings are 2-family.
NUMBER OF UNITS IN DWELLINGS SUBJECT TO GROUP I MORTGAGE LOANS

Type of                           Number of                 Aggregate Principal
Dwelling Unit                     Loans                    Balances Outstanding
-------------                     ---------                --------------------

1-family                            834                         $399,694,863

2-family                              8                           $4,964,392

3-family                              1                             $507,984

Total                               843                         $405,167,239
                                    ===                         ============

         NUMBER OF UNITS IN DWELLINGS SUBJECT TO GROUP II MORTGAGE LOANS

Type of                           Number of                 Aggregate Principal
Dwelling Unit                     Loans                    Balances Outstanding
-------------                     ---------                --------------------

1-family                            444                         $202,609,241

2-family                              2                             $681,641

Total                               446                         $203,290,882
                                    ===                         ============
SIZE OF GROUP I MORTGAGE LOANS

Outstanding Principal             Number of                 Aggregate Principal
Balance by Loan Size              Loans                    Balances Outstanding
---------------------             ---------                --------------------

$149,999 and under                    3                             $217,747

$150,000 through $199,999             1                             $174,860

$200,000 through $299,999             1                             $202,931

$300,000 through $349,999           153                          $50,364,004

$350,000 through $399,999           151                          $57,072,735

$400,000 through $449,999           130                          $55,288,314

$450,000 through $499,999           113                          $53,665,700

$500,000 through $549,999            64                          $33,623,194

$550,000 through $599,999            61                          $35,516,745

$600,000 through $649,999            63                          $39,778,052

$650,000 through $699,999            62                          $42,713,226

$700,000 through $749,999             4                           $2,855,427

$750,000 through $799,999             6                           $4,661,293

$800,000 through $849,999             5                           $4,164,653

$850,000 through $899,999             5                           $4,406,351

$900,000 through $949,999             3                           $2,798,792

$950,000 and over                    18                          $17,663,215

Total                               843                         $405,167,239
                                    ===                         ============
SIZE OF GROUP II MORTGAGE LOANS

Outstanding Principal             Number of                 Aggregate Principal
Balance by Loan Size              Loans                    Balances Outstanding
---------------------             ---------                --------------------

$149,999 and under                    4                             $317,037

$150,000 through $249,999             2                             $374,873

$250,000 through $299,999             2                             $577,638

$300,000 through $349,999            92                          $30,217,189

$350,000 through $399,999           108                          $40,669,048

$400,000 through $449,999            57                          $24,455,774

$450,000 through $499,999            55                          $26,369,064

$500,000 through $549,999            36                          $18,866,223

$550,000 through $599,999            24                          $14,014,201

$600,000 through $649,999            21                          $13,188,861

$650,000 through $699,999            24                          $16,486,910

$700,000 through $749,999             3                           $2,180,918

$750,000 through $799,999             6                           $4,708,201

$800,000 through $849,999             4                           $3,313,024

$850,000 through $899,999             2                           $1,774,050

$900,000 through $949,999             2                           $1,815,785

$950,000 and over                     4                           $3,962,086

Total                               446                         $203,290,882
                                    ===                         ============
DISTRIBUTION OF GROUP I MORTGAGE LOANS BY NOTE RATES

Mortgage Loan                     Number of                 Aggregate Principal
Note Rate                         Loans                    Balances Outstanding
-------------                     ---------                --------------------

6.250% - 6.500%                      66                          $30,510,599

6.501% - 7.000%                     608                         $295,876,416

7.001% - 7.500%                     163                          $76,399,723

7.501% - 8.000%                       6                           $2,380,501

Total                               843                         $405,167,239
                                    ===                         ============

              DISTRIBUTION OF GROUP II MORTGAGE LOANS BY NOTE RATES

Mortgage Loan                     Number of                 Aggregate Principal
Note Rate                         Loans                    Balances Outstanding
-------------                     ---------                --------------------

5.750% - 6.000%                      10                           $4,046,619

6.001% - 6.500%                     283                         $128,103,295

6.501% - 7.000%                     149                          $69,479,900

7.001% - 7.250%                       4                           $1,661,068

Total                               446                         $203,290,882
                                    ===                         ============
DISTRIBUTION OF GROUP I MORTGAGE LOANS
                     BY LOAN-TO-VALUE RATIOS AT ORIGINATION

                                  Number of                 Aggregate Principal
Loan-To-Value Ratio               Loans                    Balances Outstanding
-------------------               ---------                --------------------

65.00% and below                    339                         $175,278,536

65.001% - 75.000%                   222                         $104,343,976

75.001% - 80.000%                   261                         $117,736,116

80.001% - 85.000%                     7                           $2,681,328

85.001% - 90.000%                    14                           $5,127,283

Total                               843                         $405,167,239
                                    ===                         ============

                     DISTRIBUTION OF GROUP II MORTGAGE LOANS
                     BY LOAN-TO-VALUE RATIOS AT ORIGINATION

                                  Number of                 Aggregate Principal
Loan-To-Value Ratio               Loans                    Balances Outstanding
-------------------               ---------                --------------------

65.00% and below                    280                         $130,457,729

65.001% - 75.000%                    96                          $43,254,432

75.001% - 80.000%                    67                          $28,739,544

80.001% - 90.000%                     3                             $839,177

Total                               446                         $203,290,882
                                    ===                         ============
GEOGRAPHIC DISTRIBUTION OF
                      GROUP I MORTGAGED PROPERTIES BY STATE

                                  Number of                 Aggregate Principal
State                             Loans                    Balances Outstanding
-----                             --------                 --------------------

Alabama                               8                           $3,827,067
Arizona                              14                           $6,286,218
Arkansas                              5                           $2,889,995
California                          198                          $97,626,688
Colorado                             27                          $13,637,883
Connecticut                          44                          $22,904,791
Delaware                              1                             $318,859
District of Columbia                  3                           $1,311,720
Florida                              25                          $11,613,161
Georgia                              32                          $14,693,235
Hawaii                                1                             $480,947
Illinois                             55                          $25,716,668
Indiana                               4                           $1,624,623
Kansas                                1                             $422,883
Kentucky                              4                           $2,576,033
Louisiana                             2                           $1,147,960
Maryland                             30                          $16,049,093
Massachusetts                        76                          $34,572,645
Michigan                              7                           $2,885,170
Minnesota                             3                           $1,521,424
Mississippi                           2                             $959,667
Missouri                             25                          $12,473,747
Montana                               2                           $1,099,144
Nevada                                2                             $963,206
New Jersey                           30                          $13,994,818
New Mexico                            4                           $1,581,034
New York                             88                          $40,430,791
North Carolina                       18                           $9,445,162
Ohio                                 12                           $6,604,793
Oregon                                2                             $731,034
Pennsylvania                          9                           $4,134,739
Rhode Island                          1                             $466,232
South Carolina                       11                           $5,020,957
Tennessee                             4                           $2,373,778
Texas                                27                          $12,170,584
Utah                                  6                           $3,637,214
Vermont                               2                             $951,323
Virginia                             49                          $22,425,363
Washington                            6                           $2,694,939
West Virginia                         1                              $68,881
Wyoming                               2                             $832,770

Total                               843                         $405,167,239
                                    ===                         ============
GEOGRAPHIC DISTRIBUTION OF
                     GROUP II MORTGAGED PROPERTIES BY STATE

                                  Number of                 Aggregate Principal
State                             Loans                    Balances Outstanding
-----                             --------                 --------------------

Alabama                               5                           $2,103,153
Arizona                               3                           $1,193,837
Arkansas                              3                           $1,097,808
California                          120                          $55,445,780
Colorado                             21                          $10,923,216
Connecticut                          20                          $10,782,023
Delaware                              1                             $446,930
District of Columbia                  2                           $1,092,000
Florida                              11                           $5,680,956
Georgia                              14                           $6,489,971
Illinois                             27                          $11,606,177
Indiana                               5                           $2,963,726
Kansas                                1                             $381,509
Kentucky                              1                             $413,222
Maryland                             12                           $4,843,253
Massachusetts                        22                          $10,427,678
Michigan                              3                           $1,605,876
Minnesota                             4                           $2,058,346
Mississippi                           2                             $701,588
Missouri                             14                           $5,760,190
Montana                               3                           $1,260,975
Nevada                                2                             $950,951
New Hampshire                         3                           $1,256,389
New Jersey                           18                           $8,119,300
New York                             24                          $10,371,362
North Carolina                       23                          $10,133,995
North Dakota                          1                             $505,087
Ohio                                  8                           $3,602,776
Pennsylvania                          4                           $1,165,709
South Carolina                        9                           $3,921,347
Tennessee                            11                           $5,080,141
Texas                                16                           $6,670,544
Utah                                  4                           $1,650,150
Virginia                             19                           $8,282,689
Washington                            9                           $3,767,975
Wisconsin                             1                             $534,253

Total                               446                         $203,290,882
                                    ===                         ============
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: March 11, 2002