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 22, 2002
                        ---------------------------------
                        (Date of earliest event reported)


                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2002-11)
               (Exact name of registrant as specified in charter)

 Delaware                     333-72459                     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.

      Attached as Exhibit 8 is the opinion of Cadwalader, Wickersham & Taft
with respect to certain tax matters relating to the Issuer's REMIC Pass-Through
Certificates, Series 2002-11, including their consent.


<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 22, 2002
[{"type": "8-K", "sequence": "1", "filename": "cwtopinion8k2002-11.txt", "description": "CMSI 2002-11 CWT TAX OPINION", "secsgml_size_bytes": 2480}]
{"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": "02838042"}, "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: November 22, 2002
                        ---------------------------------
                        (Date of earliest event reported)

                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2002-11)
               (Exact name of registrant as specified in charter)

 Delaware                     333-72459                     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.

      Attached as Exhibit 8 is the opinion of Cadwalader, Wickersham & Taft
with respect to certain tax matters relating to the Issuer's REMIC Pass-Through
Certificates, Series 2002-11, including their consent.
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 22, 2002