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: November 25, 2003
                       ----------------------------------
                        (Date of earliest event reported)


                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2003-10)
    -------------------------------------------------------------------------
               (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) 256-5000

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


<PAGE>


Item 2.   Acquisition or Disposition of Assets.


                       CITICORP MORTGAGE SECURITIES, INC.
                 REMIC Pass-Through Certificates, Series 2003-10
                 ----------------------------------------------

                                November 25, 2003

                 DETAILED DESCRIPTION OF THE MORTGAGE LOAN POOL
                 ----------------------------------------------
                         AND THE MORTGAGED PROPERTIES(1)
                         -------------------------------

     On November 25, 2003, Citicorp Mortgage Securities, Inc. ("CMSI")
transferred to the Trustee mortgage loans with an aggregate scheduled principal
balance outstanding (after deducting principal payments due on or before October
1, 2003) as of November 1, 2003 of $420,337,670.10. The mortgage loans were
delivered in exchange for the certificates, authenticated by the Trustee,
evidencing 100% of the regular interests in the Trust. Distributions on the
certificates will be made by Citibank, N.A., as paying agent, by wire transfer
or by such other means as the person entitled thereto and CMSI shall agree. CMSI
may repurchase all mortgage loans remaining in the mortgage loan pool pursuant
to the pooling agreement if at the time of repurchase the aggregate scheduled
principal balance of such mortgage loans is less than $42,033,767.01.
Information below is provided with respect to all mortgage loans included in the
mortgage loan pool.

     The total number of mortgage loans as of November 1, 2003 was 864. The
weighted average interest rate on the mortgage loans (before deduction of the
servicing fee) as of November 1, 2003 was 5.262%. The weighted average remaining
term to stated maturity of the mortgage loans as of November 1, 2003 was 177.25
months. All mortgage loans have original maturities of at least 10 but no more
than 15 years. None of the mortgage loans were originated prior to September 1,
2002 or after November 1, 2003. The weighted average original term to stated
maturity of the mortgage loans as of November 1, 2003 was 179.37 months.

     None of the mortgage loans has a scheduled maturity later than November 1,
2018. Each mortgage loan had an original principal balance of not less than
$29,150 nor more than $1,000,000. Mortgage loans having an aggregate scheduled
principal balance of $839,720 as of November 1, 2003 had loan-to-value ratios
at origination in excess of 80%, but no mortgage loans had loan-to-value ratios
in excess of 90%. The weighted average loan-to-value ratio at origination of the
mortgage loans as of November 1, 2003 was 55.7%. No more than $4,189,359 of the
mortgage loans are secured by Mortgaged Properties located in any one zip code.
At least 96%(2) of the mortgage loans are secured by mortgaged properties
determined by CitiMortgage, Inc. to be the primary residence of the borrower
("homeowner"). The sole basis for such determination is either (a) a
representation by the homeowner at origination of the mortgage loan that the

--------

1    Terms used herein and not otherwise defined have the meaning assigned
     thereto in the Prospectus dated November 21, 2003 (consisting of a
     prospectus supplement and a core prospectus), relating to the REMIC
     Pass-Through Certificates, Series 2003-10.

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


<PAGE>


underlying property will be used for a period of at least 6 months every year or
that he intends to use the underlying property as his or her primary residence,
or (b) that the address of the underlying property is the homeowner's mailing
address as reflected in the originator's records. No more than 1% of the
mortgage loans are secured by investment properties.

     At least 93% of the 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 7% of the 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
84% of the mortgage loans will be refinanced mortgage loans originated using
alternative or streamlined underwriting policies. See "Mortgage loan
underwriting" in the Prospectus.

     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 mortgage loans for which additional collateral was pledged, taken as a
group:

      1.    the number of such mortgage loans is 3;

      2.    such mortgage loans had an aggregate scheduled principal balance of
            $848,272;

      3.    the weighted average loan-to-value ratio of such mortgage loans,
            taking into account the loanable value of the pledged additional
            collateral, is 79.9%; and

      4.    the weighted average loan-to-value ratio of such mortgage loans,
            without taking into account the loanable value of the pledged
            additional collateral, is 92.6%.

     Premium loans will consist of mortgage loans with net loan rates greater
than or equal to 4.500%. Discount loans will consist of mortgage loans with net
loan rates less than 4.500%. The aggregate scheduled principal balances
outstanding as of the cut-off date of the premium loans and the discount loans
were $417,099,425 and $3,238,245, respectively. The weighted average interest
rates of the premium loans and the discount loans, as of the cut-off date, were
5.268% and 4.576%, respectively. The weighted average remaining terms to stated
maturity of the premium loans and the discount loans, as of the cut-off date,
were 177.26 months and 176.13 months, respectively.


<PAGE>


     The special hazard loss limit as of November 1, 2003 was $4,203,376.70.

     The fraud loss limit as of November 1, 2003 was $4,203,376.70.

     The bankruptcy loss limit as of November 1, 2003 was $100,000.00.

     The aggregate initial principal balance of the class A certificates as of
November 1, 2003 was $415,713,478.00.

     The aggregate initial principal balance of the class B-1 certificates as of
November 1, 2003 was $2,101,000.00.

     The aggregate initial principal balance of the class B-2 certificates as of
November 1, 2003 was $631,000.00.

     The aggregate initial principal balance of the class B-3 certificates as of
November 1, 2003 was $841,000.00.

     The aggregate initial principal balance of the class B-4 certificates as of
November 1, 2003 was $420,000.00.

     The aggregate initial principal balance of the class B-5 certificates as of
November 1, 2003 was $210,000.00.

     The aggregate initial principal balance of the class B-6 certificates as of
November 1, 2003 was $421,192.10.

     The class A subordination level is 1.100113653601%.*

     The class B-1 subordination level is 0.600277414917%.*

     The class B-2 subordination level is 0.450160010534%.*

     The class B-3 subordination level is 0.250082772679%.*

     The class B-4 subordination level is 0.150163105736%.*

     The class B-5 subordination level is 0.100203272264%.*


--------

*     Equal to the initial principal balance thereof divided by the aggregate
      scheduled principal balance of the mortgage loans.


<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: November 25, 2003
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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: November 25, 2003
                       ----------------------------------
                        (Date of earliest event reported)

                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2003-10)
    -------------------------------------------------------------------------
               (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) 256-5000

--------------------------------------------------------------------------
(Former name, former address and former fiscal year, if changed since last
report.)
Item 2.   Acquisition or Disposition of Assets.

                       CITICORP MORTGAGE SECURITIES, INC.
                 REMIC Pass-Through Certificates, Series 2003-10
                 ----------------------------------------------

                                November 25, 2003

                 DETAILED DESCRIPTION OF THE MORTGAGE LOAN POOL
                 ----------------------------------------------
                         AND THE MORTGAGED PROPERTIES(1)
                         -------------------------------

     On November 25, 2003, Citicorp Mortgage Securities, Inc. ("CMSI")
transferred to the Trustee mortgage loans with an aggregate scheduled principal
balance outstanding (after deducting principal payments due on or before October
1, 2003) as of November 1, 2003 of $420,337,670.10. The mortgage loans were
delivered in exchange for the certificates, authenticated by the Trustee,
evidencing 100% of the regular interests in the Trust. Distributions on the
certificates will be made by Citibank, N.A., as paying agent, by wire transfer
or by such other means as the person entitled thereto and CMSI shall agree. CMSI
may repurchase all mortgage loans remaining in the mortgage loan pool pursuant
to the pooling agreement if at the time of repurchase the aggregate scheduled
principal balance of such mortgage loans is less than $42,033,767.01.
Information below is provided with respect to all mortgage loans included in the
mortgage loan pool.

     The total number of mortgage loans as of November 1, 2003 was 864. The
weighted average interest rate on the mortgage loans (before deduction of the
servicing fee) as of November 1, 2003 was 5.262%. The weighted average remaining
term to stated maturity of the mortgage loans as of November 1, 2003 was 177.25
months. All mortgage loans have original maturities of at least 10 but no more
than 15 years. None of the mortgage loans were originated prior to September 1,
2002 or after November 1, 2003. The weighted average original term to stated
maturity of the mortgage loans as of November 1, 2003 was 179.37 months.

     None of the mortgage loans has a scheduled maturity later than November 1,
2018. Each mortgage loan had an original principal balance of not less than
$29,150 nor more than $1,000,000. Mortgage loans having an aggregate scheduled
principal balance of $839,720 as of November 1, 2003 had loan-to-value ratios
at origination in excess of 80%, but no mortgage loans had loan-to-value ratios
in excess of 90%. The weighted average loan-to-value ratio at origination of the
mortgage loans as of November 1, 2003 was 55.7%. No more than $4,189,359 of the
mortgage loans are secured by Mortgaged Properties located in any one zip code.
At least 96%(2) of the mortgage loans are secured by mortgaged properties
determined by CitiMortgage, Inc. to be the primary residence of the borrower
("homeowner"). The sole basis for such determination is either (a) a
representation by the homeowner at origination of the mortgage loan that the

--------

1    Terms used herein and not otherwise defined have the meaning assigned
     thereto in the Prospectus dated November 21, 2003 (consisting of a
     prospectus supplement and a core prospectus), relating to the REMIC
     Pass-Through Certificates, Series 2003-10.

2    Such percentages are expressed as a percentage of the aggregate scheduled
     principal balance of the mortgage loans having such characteristics
     relative to the aggregate scheduled principal balance of all mortgage
     loans.
underlying property will be used for a period of at least 6 months every year or
that he intends to use the underlying property as his or her primary residence,
or (b) that the address of the underlying property is the homeowner's mailing
address as reflected in the originator's records. No more than 1% of the
mortgage loans are secured by investment properties.

     At least 93% of the 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 7% of the 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
84% of the mortgage loans will be refinanced mortgage loans originated using
alternative or streamlined underwriting policies. See "Mortgage loan
underwriting" in the Prospectus.

     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 mortgage loans for which additional collateral was pledged, taken as a
group:

      1.    the number of such mortgage loans is 3;

      2.    such mortgage loans had an aggregate scheduled principal balance of
            $848,272;

      3.    the weighted average loan-to-value ratio of such mortgage loans,
            taking into account the loanable value of the pledged additional
            collateral, is 79.9%; and

      4.    the weighted average loan-to-value ratio of such mortgage loans,
            without taking into account the loanable value of the pledged
            additional collateral, is 92.6%.

     Premium loans will consist of mortgage loans with net loan rates greater
than or equal to 4.500%. Discount loans will consist of mortgage loans with net
loan rates less than 4.500%. The aggregate scheduled principal balances
outstanding as of the cut-off date of the premium loans and the discount loans
were $417,099,425 and $3,238,245, respectively. The weighted average interest
rates of the premium loans and the discount loans, as of the cut-off date, were
5.268% and 4.576%, respectively. The weighted average remaining terms to stated
maturity of the premium loans and the discount loans, as of the cut-off date,
were 177.26 months and 176.13 months, respectively.
The special hazard loss limit as of November 1, 2003 was $4,203,376.70.

     The fraud loss limit as of November 1, 2003 was $4,203,376.70.

     The bankruptcy loss limit as of November 1, 2003 was $100,000.00.

     The aggregate initial principal balance of the class A certificates as of
November 1, 2003 was $415,713,478.00.

     The aggregate initial principal balance of the class B-1 certificates as of
November 1, 2003 was $2,101,000.00.

     The aggregate initial principal balance of the class B-2 certificates as of
November 1, 2003 was $631,000.00.

     The aggregate initial principal balance of the class B-3 certificates as of
November 1, 2003 was $841,000.00.

     The aggregate initial principal balance of the class B-4 certificates as of
November 1, 2003 was $420,000.00.

     The aggregate initial principal balance of the class B-5 certificates as of
November 1, 2003 was $210,000.00.

     The aggregate initial principal balance of the class B-6 certificates as of
November 1, 2003 was $421,192.10.

     The class A subordination level is 1.100113653601%.*

     The class B-1 subordination level is 0.600277414917%.*

     The class B-2 subordination level is 0.450160010534%.*

     The class B-3 subordination level is 0.250082772679%.*

     The class B-4 subordination level is 0.150163105736%.*

     The class B-5 subordination level is 0.100203272264%.*

--------

*     Equal to the initial principal balance thereof divided by the aggregate
      scheduled principal balance of the mortgage loans.
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: November 25, 2003