UNITED STATES
                       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 10, 2004
                       ----------------------------------
                        (Date of earliest event reported)


                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
   (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2004-9)
  ---------------------------------------------------------------------------
               (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 8.01.        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  2004-9.  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Collateral Term Sheets will be superseded in its entirety by the information set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  2004-9  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  2004-9 REMIC  Pass-Through
Certificates.

     On December 22, 2004, 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 December 1, 2004) as of December 1, 2004 of
$566,900,077.80. The mortgage loans that have original maturities of at least 23
but not more  than 30 years,  the "pool I  mortgage  loans",  have an  aggregate
scheduled  principal balance outstanding (after deducting principal payments due
on or before  December 1, 2004) as of December 1, 2004 of  $468,422,305.07.  The
mortgage loans that have original maturities of at least 14 but not more than 15
years,  the "pool II mortgage  loans",  have an  aggregate  scheduled  principal
balance  outstanding  (after  deducting  principal  payments  due  on or  before
December 1, 2004) as of December 1, 2004 of $98,477,772.73. Information below is
provided with respect to the pool I mortgage loans,  the pool II mortgage loans,
and/or all mortgage loans included in the mortgage loan pool as indicated.

     The total numbers of the pool I mortgage loans and the pool II mortgage
loans as of  December  1,  2004  were 921 and 182,  respectively.  The  weighted
average  interest  rates of the pool I mortgage  loans and the pool II  mortgage
loans (before deduction of the servicing fee) as of December 1, 2004 were 6.051%
and  5.491%,  respectively.  The  weighted  average  remaining  terms to  stated
maturity  of the pool I  mortgage  loans  and the pool II  mortgage  loans as of
December  1, 2004 were  357.30  months  and  178.11  months,  respectively.  All
mortgage  loans  have  original  maturities  of at least 15 but not more than 30
years.  None of the pool I  mortgage  loans or the pool II  mortgage  loans were
originated  prior to  March 1,  2003  and May 1,  2003,  respectively,  or after
December 1, 2004. The weighted  average original terms to stated maturity of the
pool I mortgage  loans and the pool II mortgage loans as of January 1, 2004 were
359.05 months and 180.00 months, respectively.

     None of the pool I mortgage loans have a scheduled maturity later than
December 1, 2034. None of the pool II mortgage loans have a scheduled maturity
later than December 1, 2019. Each pool I mortgage loan and pool II mortgage loan
had an original principal balance of not less than $75,500 and $35,000,
respectively, nor more than $1,495,000.00. Pool I mortgage loans and pool II
mortgage loans having aggregate scheduled principal balances of $7,136,565.42
and none, respectively, as of December 1, 2004, had loan-to-value ratios at
origination in excess of 80%, but no pool I mortgage loans or pool II mortgage
loans had loan-to-value ratios in excess of 95%. All of the mortgage loans which
had loan-to-value ratios greater than 80% at origination had primary mortgage
insurance as of such date. The weighted average loan-to-value ratios at
origination of the pool I mortgage loans and the pool II mortgage loans as of
December 1, 2004 were 68.5% and 58.7%, respectively. No more than $8,208,253.34
and $1,869,398.32, respectively, of the pool I mortgage loans and the pool II
mortgage loans are secured by mortgaged properties located in any one zip code.
At least 95%(2) and 89%, respectively, of the pool I mortgage loans and the pool
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(333-109722).

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


<PAGE>


     At least 49% and 34%, respectively, of the pool I mortgage loans and
pool 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. No more than 35% and
42%, respectively, of the pool I mortgage loans and the pool II mortgage loans,
were refinance transactions originated using loan underwriting policies that
require proof of income and telephone verification of employment but do not
require verification of assets. No more than 2% and 2%, respectively, of the
pool I mortgage loans and the pool II mortgage loans, were originated using a
loan underwriting policy that requires verification of employment and may
require proof of liquid assets, but does not require verification of the
prospective borrower's income as stated on the loan application. At least 9% and
14%, respectively, of the pool I mortgage loans and the pool II mortgage loans,
will be mortgage loans originated using stated income loan underwriting policies
that do not require proof of the prospective borrowers income as stated on the
loan application, do not require proof of assets but do require telephone
verification of employment.  No more than 5% and 8%, respectively, of the
pool I mortgage loans and the pool II mortgage loans, will be mortgage loans
originated using streamlined underwriting policies.

     Pool I discount loans will consist of pool I mortgage loans with net loan
rates less than  5.500%.  Pool I premium  loans will  consist of pool I mortgage
loans  with net loan  rates  greater  than or equal  to  5.500%.  The  aggregate
scheduled  principal  balances  outstanding as of the cut-off date of the pool I
discount   loans  and  the  pool  I  premium  loans  were   $14,573,717.73   and
$453,848,587.34, respectively. The weighted average interest rates of the pool I
discount loans and the pool I premium loans, as of the cut-off date, were 5.524%
and  6.068%,  respectively.  The  weighted  average  remaining  terms to  stated
maturity of the pool I discount  loans and the pool I premium  loans,  as of the
cut-off date, were 354.98 months and 357.38 months, respectively.

     Pool II discount loans will consist of pool II mortgage loans with net loan
rates less than 4.750%.  Pool II premium  loans will consist of pool II mortgage
loans  with net loan  rates  greater  than or equal  to  4.750%.  The  aggregate
scheduled  principal balances  outstanding as of the cut-off date of the pool II
discount   loans  and  the  pool  II  premium  loans  were   $1,257,826.10   and
$97,219,946.63, respectively. The weighted average interest rates of the pool II
discount  loans and the pool II premium  loans,  as of the  cut-off  date,  were
4.797% and 5.500%, respectively.  The weighted average remaining terms to stated
maturity of the pool II discount loans and the pool II premium loans,  as of the
cut-off date, were 175.10 months and 178.14 months, respectively.


<PAGE>

      The following tables set forth information regarding the mortgage loans as
of December 1, 2004.

                 YEARS OF ORIGINATION OF POOL I MORTGAGE LOANS

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

2003                                  5                         $  2,080,932

2004                                916                          466,341,373


Total                               921                         $468,422,305
                                    ===                         ============



                 YEARS OF ORIGINATION OF POOL II MORTGAGE LOANS

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

2003                                 2                          $ 1,121,700

2004                               180                          $97,356,073

Total                              182                          $98,477,773
                                   ===                         ============


<PAGE>


              TYPES OF DWELLINGS SUBJECT TO POOL I MORTGAGE LOANS

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

Detached houses                     755                          $384,639,304

Multi-family Dwellings*              22                            12,280,527

Townhouses                           15                             7,392,576

Condominium Units (one to four       30                            13,119,671
 stories high)

Condominium Units (over four         19                            10,319,711
stories high)

Cooperative Units                    80                            40,670,516

Total                               921                          $468,422,305
                                    ===                          ============


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


              TYPES OF DWELLINGS SUBJECT TO POOL II MORTGAGE LOANS

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

Detached Houses                      159                         $ 87,460,875

Multi-family Dwellings*                0                                    0

Townhouses                             3                            1,421,259

Condominium Units (one to four         9                            3,537,237
stories)

Condominiums Units (over four          1                              915,174
stories

Cooperative Units                     10                            5,143,228

Total                                182                          $98,477,773
                                     ===                         ============


<PAGE>


         NUMBER OF UNITS IN DWELLINGS SUBJECT TO POOL I MORTGAGE LOANS

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

1-family                            899                         $456,141,778

2-family                             20                           11,398,926

3-family                              1                              598,831

4-family                              1                              282,770

Total                               921                         $468,422,305
                                    ===                         ============


         NUMBER OF UNITS IN DWELLINGS SUBJECT TO POOL II MORTGAGE LOANS

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

1-family                            182                          $98,477,773

2-family                              0                                    0

3-family                              0                                    0

4-family                              0                                    0

Total                               182                          $98,477,773
                                    ===                          ===========


<PAGE>

                         SIZE OF POOL I MORTGAGE LOANS

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


$149,999.99 and under                 4                          $   456,492

$150,000 through $199,999.99          4                              715,464

$200,000 through $249,999.99          2                              461,770

$250,000 through $299,999.99          6                            1,638,247

$300,000 through $349,999.99         31                           10,616,360

$350,000 through $399,999.99        214                           81,152,418

$400,000 through $449,999.99        166                           70,827,308

$450,000 through $499,999.99        148                           71,206,498

$500,000 through $549,999.99         76                           39,652,193

$550,000 through $599,999.99         78                           45,412,728

$600,000 through $649,999.99         47                           29,425,830

$650,000 through $699,999.99         49                           33,396,774

$700,000 through $749,999.99         19                           13,806,031

$750,000 through $799,999.99         14                           10,917,814

$800,000 through $849,999.99         11                            9,070,573

$850,000 through $899,999.99         10                            8,870,313

$900,000 through $949,999.99         11                           10,155,997

$950,000 through $999,999.99         27                           26,639,495

$1,000,000 and over                   4                            4,000,000

Total                               921                         $468,422,305
                                    ===                         ============


<PAGE>


                         SIZE OF POOL II MORTGAGE LOANS

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


$149,999.99 and under                 3                          $  239,115

$150,000 through $199,999.99          1                             169,127

$200,000 through $249,999.99          0                                   0

$250,000 through $299,999.99          0                                   0

$300,000 through $349,999.99         10                           3,381,232

$350,000 through $399,999.99         33                          12,440,649

$400,000 through $449,999.99         23                           9,827,428

$450,000 through $499,999.99         29                          13,817,774

$500,000 through $549,999.99         15                           7,787,639

$550,000 through $599,999.99         11                           6,284,809

$600,000 through $649,999.99         15                           9,411,910

$650,000 through $699,999.99          9                           6,081,157

$700,000 through $749,999.99          5                           3,607,068

$750,000 through $799,999.99          7                           5,451,281

$800,000 through $849,999.99          5                           4,189,081

$850,000 through $899,999.99          3                           2,661,114

$900,000 through $949,999.99          3                           2,777,690

$950,000 through $999,999.99          9                            8,867,011

$1,000,000 and over                   1                            1,483,688

Total                               182                          $98,477,773
                                    ===                          ===========


<PAGE>


               DISTRIBUTION OF POOL I MORTGAGE LOANS BY NOTE RATES

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

4.750 to 5.000                        0                          $          0

5.001 to 5.500                       20                            10,714,835

5.501 to 6.000                      483                           252,166,301

6.001 to 6.500                      400                           196,759,648

6.501 to 7.000                       17                             8,156,339

7.001 to 7.125                        1                               625,182

Total                               921                          $468,422,305
                                    ===                          ============


              DISTRIBUTION OF POOL II MORTGAGE LOANS BY NOTE RATES

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

4.750 to 5.000                        9                          $ 4,579,571

5.001 to 5.500                      116                           64,171,713

5.501 to 6.000                       57                           29,726,489

6.001 to 6.500                        0                                    0

6.501 to 7.000                        0                                    0

7.001 to 7.125                        0                                    0

Total                               182                          $98,477,773
                                    ===                          ===========


<PAGE>


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

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

65.000% and below                   304                         $160,264,203

65.001% - 75.000%                   194                           98,073,432

75.001% - 80.000%                   405                          202,948,104

80.001% - 85.000%                     4                            1,692,928

85.001% - 90.000%                     8                            3,211,527

90.001% - 95.000%                     6                            2,232,111

Total                               921                         $468,422,305
                                    ===                         ============


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

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

65.000% and below                   109                         $59,921,260

65.001% - 75.000%                    22                          12,085,559

75.001% - 80.000%                    51                          26,470,954

80.001% - 85.000%                     0                                   0

85.001% - 90.000%                     0                                   0

90.001% - 95.000%                     0                                   0

Total                               182                         $98,477,773
                                    ===                         ===========


<PAGE>


                           GEOGRAPHIC DISTRIBUTION OF
                      POOL I MORTGAGED PROPERTIES BY STATE

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

Alabama                               5                         $  2,900,286
Arizona                              16                            8,132,494
Arkansas                              1                              429,895
California                          269                          136,762,086
Colorado                             12                            6,698,840
Connecticut                          31                           15,817,327
Delaware                              4                            1,692,183
District of Columbia                  2                            1,250,437
Florida                              17                            7,812,050
Georgia                              10                            5,081,834
Idaho                                 1                              710,329
Illinois                             19                            9,104,444
Indiana                               1                              483,030
Iowa                                  1                              363,732
Kentucky                              1                              599,417
Louisiana                             3                            1,744,382
Maine                                 3                            1,320,105
Maryland                             39                           19,784,678
Massachusetts                        44                           23,403,535
Michigan                              7                            3,437,735
Minnesota                            10                            4,070,559
Mississippi                           1                              499,502
Missouri                             10                            5,147,211
Montana                               2                              798,578
Nebraska                              1                              342,148
Nevada                                7                            3,117,019
New Hampshire                         2                            1,244,177
New Jersey                           37                           17,155,425
New Mexico                            3                            1,109,738
New York                            230                          119,654,190
North Carolina                       17                            8,816,720
Ohio                                  2                              645,617
Oregon                                2                              975,113
Pennsylvania                         18                            9,346,558
Rhode Island                          4                            2,216,964
South Carolina                        6                            2,772,316
Tennessee                             2                            1,016,477
Texas                                15                            8,515,800
Utah                                  1                              625,182
Vermont                               2                              989,240
Virginia                             44                           22,087,479
Washington                           16                            8,371,880
Wisconsin                             3                            1,375,593

Total                               921                         $468,422,305
                                    ===                         ============


<PAGE>


                           GEOGRAPHIC DISTRIBUTION OF
                     POOL II MORTGAGED PROPERTIES BY STATE

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

Alabama                               3                         $ 1,372,762
Arizona                               1                             971,465
Arkansas                              0                                   0
California                           53                          29,833,998
Colorado                              4                           1,822,089
Connecticut                           3                           1,639,213
Delaware                              0                                   0
District of Columbia                  0                                   0
Florida                               7                           4,736,108
Georgia                               1                             354,830
Idaho                                 0                                   0
Illinois                             11                           5,292,208
Indiana                               1                             533,121
Iowa                                  1                             341,718
Kentucky                              1                             440,966
Louisiana                             0                                   0
Maine                                 0                                   0
Maryland                              5                           2,408,407
Massachusetts                         9                           4,693,488
Michigan                              5                           2,253,976
Minnesota                             0                                   0
Mississippi                           0                                   0
Missouri                              5                           2,884,698
Montana                               1                             509,035
Nebraska                              0                                   0
Nevada                                3                           1,531,416
New Hampshire                         0                                   0
New Jersey                           13                           6,693,096
New Mexico                            0                                   0
New York                             28                          15,675,297
North Carolina                        1                             523,117
Ohio                                  1                             772,220
Oregon                                0                                   0
Pennsylvania                          0                                   0
Rhode Island                          2                             774,333
South Carolina                        4                           1,724,535
Tennessee                             2                           1,339,855
Texas                                11                           5,509,880
Utah                                  0                                   0
Vermont                               1                             553,945
Virginia                              3                           2,044,388
Washington                            2                           1,247,609
Wisconsin                             0                                   0
Total                               182                         $98,477,773
                                    ===                         ===========



<PAGE>


                  DISTRIBUTION BY FICO SCORES AND LOAN-TO-VALUE
                 RATIOS AT ORIGINATION OF POOL I MORTGAGE LOANS
<TABLE>
<CAPTION>
FICO Score                               Loan-to-value ratio
---------                                -------------------
                65.000%    65.001%-   75.001%-   80.001%-   85.001%-   90.001%-
                and below   75.000%    80.000%    85.000%    90.000%    95.000%     All Loans
                ---------   -------    -------    -------    -------    -------     ---------
<S>              <C>         <C>        <C>        <C>        <C>        <C>           <C>
Less than 620    0.40%       0.25%      0.49%      0.09%      0.07%      0.17%         1.46%
620-649          0.91%       0.98%      0.50%      0.00%      0.07%      0.00%         2.46%
650-699          5.50%       4.51%      7.57%      0.10%      0.08%      0.15%        17.91%
700-749         10.88%       6.84%     13.67%      0.00%      0.09%      0.08%        31.56%
750-799         16.06%       7.84%     20.22%      0.09%      0.38%      0.08%        44.68%
800 and above    0.46%       0.52%      0.88%      0.08%      0.00%      0.00%         1.93%
Total           34.21%      20.94%     43.33%      0.36%      0.69%      0.48%       100.00%
                ======      ======     ======      =====      ====       =====       =======
</TABLE>


                  DISTRIBUTION BY FICO SCORES AND LOAN-TO-VALUE
                 RATIOS AT ORIGINATION OF POOL II MORTGAGE LOANS
<TABLE>
<CAPTION>
FICO Score                               Loan-to-value ratio
---------                                -------------------
                 65.000%    65.001%-   75.001%-   80.001%-   85.001%-   90.001%-
                and below   75.000%    80.000%    85.000%    90.000%    95.000%     All Loans
                ---------   -------    -------    -------    -------    -------     ---------
<S>              <C>         <C>        <C>        <C>        <C>        <C>           <C>
Less than 620    1.21%       0.54%      0.42%      0.00%      0.00%      0.00%         2.17%
620-649          1.46%       0.42%      0.40%      0.00%      0.00%      0.00%         2.29%
650-699         12.67%       1.48%      4.28%      0.00%      0.00%      0.00%        18.43%
700-749         17.90%       4.22%      6.48%      0.00%      0.00%      0.00%        28.60%
750-799         24.91%       5.61%     14.83%      0.00%      0.00%      0.00%        45.34%
800 and above    2.70%       0.00%      0.47%      0.00%      0.00%      0.00%         3.17%
Total           60.85%      12.27%     26.88%      0.00%      0.00%      0.00%       100.00%
                ======      ======     ======      =====      =====      =====       =======
</TABLE>


<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 10, 2004
[{"type": "8-K", "sequence": "1", "filename": "collateral8k2004-9.txt", "description": "8K, CMSI 2004-9 COLLATERAL TERM SHEET", "secsgml_size_bytes": 33123}]
{"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": "041197329"}, "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"}}
UNITED STATES
                       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 10, 2004
                       ----------------------------------
                        (Date of earliest event reported)

                       CITICORP MORTGAGE SECURITIES, INC.
                             (Packager and Servicer)
   (Issuer in Respect of the REMIC Pass-Through Certificates, Series 2004-9)
  ---------------------------------------------------------------------------
               (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 8.01.        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  2004-9.  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  2004-9  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  2004-9 REMIC  Pass-Through
Certificates.

     On December 22, 2004, 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 December 1, 2004) as of December 1, 2004 of
$566,900,077.80. The mortgage loans that have original maturities of at least 23
but not more  than 30 years,  the "pool I  mortgage  loans",  have an  aggregate
scheduled  principal balance outstanding (after deducting principal payments due
on or before  December 1, 2004) as of December 1, 2004 of  $468,422,305.07.  The
mortgage loans that have original maturities of at least 14 but not more than 15
years,  the "pool II mortgage  loans",  have an  aggregate  scheduled  principal
balance  outstanding  (after  deducting  principal  payments  due  on or  before
December 1, 2004) as of December 1, 2004 of $98,477,772.73. Information below is
provided with respect to the pool I mortgage loans,  the pool II mortgage loans,
and/or all mortgage loans included in the mortgage loan pool as indicated.

     The total numbers of the pool I mortgage loans and the pool II mortgage
loans as of  December  1,  2004  were 921 and 182,  respectively.  The  weighted
average  interest  rates of the pool I mortgage  loans and the pool II  mortgage
loans (before deduction of the servicing fee) as of December 1, 2004 were 6.051%
and  5.491%,  respectively.  The  weighted  average  remaining  terms to  stated
maturity  of the pool I  mortgage  loans  and the pool II  mortgage  loans as of
December  1, 2004 were  357.30  months  and  178.11  months,  respectively.  All
mortgage  loans  have  original  maturities  of at least 15 but not more than 30
years.  None of the pool I  mortgage  loans or the pool II  mortgage  loans were
originated  prior to  March 1,  2003  and May 1,  2003,  respectively,  or after
December 1, 2004. The weighted  average original terms to stated maturity of the
pool I mortgage  loans and the pool II mortgage loans as of January 1, 2004 were
359.05 months and 180.00 months, respectively.

     None of the pool I mortgage loans have a scheduled maturity later than
December 1, 2034. None of the pool II mortgage loans have a scheduled maturity
later than December 1, 2019. Each pool I mortgage loan and pool II mortgage loan
had an original principal balance of not less than $75,500 and $35,000,
respectively, nor more than $1,495,000.00. Pool I mortgage loans and pool II
mortgage loans having aggregate scheduled principal balances of $7,136,565.42
and none, respectively, as of December 1, 2004, had loan-to-value ratios at
origination in excess of 80%, but no pool I mortgage loans or pool II mortgage
loans had loan-to-value ratios in excess of 95%. All of the mortgage loans which
had loan-to-value ratios greater than 80% at origination had primary mortgage
insurance as of such date. The weighted average loan-to-value ratios at
origination of the pool I mortgage loans and the pool II mortgage loans as of
December 1, 2004 were 68.5% and 58.7%, respectively. No more than $8,208,253.34
and $1,869,398.32, respectively, of the pool I mortgage loans and the pool II
mortgage loans are secured by mortgaged properties located in any one zip code.
At least 95%(2) and 89%, respectively, of the pool I mortgage loans and the pool
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(333-109722).

2    Such percentages are expressed as a percentage of the aggregate scheduled
     principal balance of the pool I mortgage loans having such characteristics
     relative to the aggregate scheduled principal balance of all the pool I
     mortgage loans, or as a percentage of the aggregate scheduled principal
     balance of the pool II mortgage loans having such characteristics relative
     to the aggregate scheduled principal balance of all the pool II mortgage
     loans.
At least 49% and 34%, respectively, of the pool I mortgage loans and
pool 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. No more than 35% and
42%, respectively, of the pool I mortgage loans and the pool II mortgage loans,
were refinance transactions originated using loan underwriting policies that
require proof of income and telephone verification of employment but do not
require verification of assets. No more than 2% and 2%, respectively, of the
pool I mortgage loans and the pool II mortgage loans, were originated using a
loan underwriting policy that requires verification of employment and may
require proof of liquid assets, but does not require verification of the
prospective borrower's income as stated on the loan application. At least 9% and
14%, respectively, of the pool I mortgage loans and the pool II mortgage loans,
will be mortgage loans originated using stated income loan underwriting policies
that do not require proof of the prospective borrowers income as stated on the
loan application, do not require proof of assets but do require telephone
verification of employment.  No more than 5% and 8%, respectively, of the
pool I mortgage loans and the pool II mortgage loans, will be mortgage loans
originated using streamlined underwriting policies.

     Pool I discount loans will consist of pool I mortgage loans with net loan
rates less than  5.500%.  Pool I premium  loans will  consist of pool I mortgage
loans  with net loan  rates  greater  than or equal  to  5.500%.  The  aggregate
scheduled  principal  balances  outstanding as of the cut-off date of the pool I
discount   loans  and  the  pool  I  premium  loans  were   $14,573,717.73   and
$453,848,587.34, respectively. The weighted average interest rates of the pool I
discount loans and the pool I premium loans, as of the cut-off date, were 5.524%
and  6.068%,  respectively.  The  weighted  average  remaining  terms to  stated
maturity of the pool I discount  loans and the pool I premium  loans,  as of the
cut-off date, were 354.98 months and 357.38 months, respectively.

     Pool II discount loans will consist of pool II mortgage loans with net loan
rates less than 4.750%.  Pool II premium  loans will consist of pool II mortgage
loans  with net loan  rates  greater  than or equal  to  4.750%.  The  aggregate
scheduled  principal balances  outstanding as of the cut-off date of the pool II
discount   loans  and  the  pool  II  premium  loans  were   $1,257,826.10   and
$97,219,946.63, respectively. The weighted average interest rates of the pool II
discount  loans and the pool II premium  loans,  as of the  cut-off  date,  were
4.797% and 5.500%, respectively.  The weighted average remaining terms to stated
maturity of the pool II discount loans and the pool II premium loans,  as of the
cut-off date, were 175.10 months and 178.14 months, respectively.
The following tables set forth information regarding the mortgage loans as
of December 1, 2004.

                 YEARS OF ORIGINATION OF POOL I MORTGAGE LOANS

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

2003                                  5                         $  2,080,932

2004                                916                          466,341,373

Total                               921                         $468,422,305
                                    ===                         ============

                 YEARS OF ORIGINATION OF POOL II MORTGAGE LOANS

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

2003                                 2                          $ 1,121,700

2004                               180                          $97,356,073

Total                              182                          $98,477,773
                                   ===                         ============
TYPES OF DWELLINGS SUBJECT TO POOL I MORTGAGE LOANS

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

Detached houses                     755                          $384,639,304

Multi-family Dwellings*              22                            12,280,527

Townhouses                           15                             7,392,576

Condominium Units (one to four       30                            13,119,671
 stories high)

Condominium Units (over four         19                            10,319,711
stories high)

Cooperative Units                    80                            40,670,516

Total                               921                          $468,422,305
                                    ===                          ============

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

              TYPES OF DWELLINGS SUBJECT TO POOL II MORTGAGE LOANS

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

Detached Houses                      159                         $ 87,460,875

Multi-family Dwellings*                0                                    0

Townhouses                             3                            1,421,259

Condominium Units (one to four         9                            3,537,237
stories)

Condominiums Units (over four          1                              915,174
stories

Cooperative Units                     10                            5,143,228

Total                                182                          $98,477,773
                                     ===                         ============
NUMBER OF UNITS IN DWELLINGS SUBJECT TO POOL I MORTGAGE LOANS

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

1-family                            899                         $456,141,778

2-family                             20                           11,398,926

3-family                              1                              598,831

4-family                              1                              282,770

Total                               921                         $468,422,305
                                    ===                         ============

         NUMBER OF UNITS IN DWELLINGS SUBJECT TO POOL II MORTGAGE LOANS

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

1-family                            182                          $98,477,773

2-family                              0                                    0

3-family                              0                                    0

4-family                              0                                    0

Total                               182                          $98,477,773
                                    ===                          ===========
SIZE OF POOL I MORTGAGE LOANS

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

$149,999.99 and under                 4                          $   456,492

$150,000 through $199,999.99          4                              715,464

$200,000 through $249,999.99          2                              461,770

$250,000 through $299,999.99          6                            1,638,247

$300,000 through $349,999.99         31                           10,616,360

$350,000 through $399,999.99        214                           81,152,418

$400,000 through $449,999.99        166                           70,827,308

$450,000 through $499,999.99        148                           71,206,498

$500,000 through $549,999.99         76                           39,652,193

$550,000 through $599,999.99         78                           45,412,728

$600,000 through $649,999.99         47                           29,425,830

$650,000 through $699,999.99         49                           33,396,774

$700,000 through $749,999.99         19                           13,806,031

$750,000 through $799,999.99         14                           10,917,814

$800,000 through $849,999.99         11                            9,070,573

$850,000 through $899,999.99         10                            8,870,313

$900,000 through $949,999.99         11                           10,155,997

$950,000 through $999,999.99         27                           26,639,495

$1,000,000 and over                   4                            4,000,000

Total                               921                         $468,422,305
                                    ===                         ============
SIZE OF POOL II MORTGAGE LOANS

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

$149,999.99 and under                 3                          $  239,115

$150,000 through $199,999.99          1                             169,127

$200,000 through $249,999.99          0                                   0

$250,000 through $299,999.99          0                                   0

$300,000 through $349,999.99         10                           3,381,232

$350,000 through $399,999.99         33                          12,440,649

$400,000 through $449,999.99         23                           9,827,428

$450,000 through $499,999.99         29                          13,817,774

$500,000 through $549,999.99         15                           7,787,639

$550,000 through $599,999.99         11                           6,284,809

$600,000 through $649,999.99         15                           9,411,910

$650,000 through $699,999.99          9                           6,081,157

$700,000 through $749,999.99          5                           3,607,068

$750,000 through $799,999.99          7                           5,451,281

$800,000 through $849,999.99          5                           4,189,081

$850,000 through $899,999.99          3                           2,661,114

$900,000 through $949,999.99          3                           2,777,690

$950,000 through $999,999.99          9                            8,867,011

$1,000,000 and over                   1                            1,483,688

Total                               182                          $98,477,773
                                    ===                          ===========
DISTRIBUTION OF POOL I MORTGAGE LOANS BY NOTE RATES

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

4.750 to 5.000                        0                          $          0

5.001 to 5.500                       20                            10,714,835

5.501 to 6.000                      483                           252,166,301

6.001 to 6.500                      400                           196,759,648

6.501 to 7.000                       17                             8,156,339

7.001 to 7.125                        1                               625,182

Total                               921                          $468,422,305
                                    ===                          ============

              DISTRIBUTION OF POOL II MORTGAGE LOANS BY NOTE RATES

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

4.750 to 5.000                        9                          $ 4,579,571

5.001 to 5.500                      116                           64,171,713

5.501 to 6.000                       57                           29,726,489

6.001 to 6.500                        0                                    0

6.501 to 7.000                        0                                    0

7.001 to 7.125                        0                                    0

Total                               182                          $98,477,773
                                    ===                          ===========
DISTRIBUTION OF POOL I MORTGAGE LOANS
                     BY LOAN-TO-VALUE RATIOS AT ORIGINATION

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

65.000% and below                   304                         $160,264,203

65.001% - 75.000%                   194                           98,073,432

75.001% - 80.000%                   405                          202,948,104

80.001% - 85.000%                     4                            1,692,928

85.001% - 90.000%                     8                            3,211,527

90.001% - 95.000%                     6                            2,232,111

Total                               921                         $468,422,305
                                    ===                         ============

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

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

65.000% and below                   109                         $59,921,260

65.001% - 75.000%                    22                          12,085,559

75.001% - 80.000%                    51                          26,470,954

80.001% - 85.000%                     0                                   0

85.001% - 90.000%                     0                                   0

90.001% - 95.000%                     0                                   0

Total                               182                         $98,477,773
                                    ===                         ===========
GEOGRAPHIC DISTRIBUTION OF
                      POOL I MORTGAGED PROPERTIES BY STATE

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

Alabama                               5                         $  2,900,286
Arizona                              16                            8,132,494
Arkansas                              1                              429,895
California                          269                          136,762,086
Colorado                             12                            6,698,840
Connecticut                          31                           15,817,327
Delaware                              4                            1,692,183
District of Columbia                  2                            1,250,437
Florida                              17                            7,812,050
Georgia                              10                            5,081,834
Idaho                                 1                              710,329
Illinois                             19                            9,104,444
Indiana                               1                              483,030
Iowa                                  1                              363,732
Kentucky                              1                              599,417
Louisiana                             3                            1,744,382
Maine                                 3                            1,320,105
Maryland                             39                           19,784,678
Massachusetts                        44                           23,403,535
Michigan                              7                            3,437,735
Minnesota                            10                            4,070,559
Mississippi                           1                              499,502
Missouri                             10                            5,147,211
Montana                               2                              798,578
Nebraska                              1                              342,148
Nevada                                7                            3,117,019
New Hampshire                         2                            1,244,177
New Jersey                           37                           17,155,425
New Mexico                            3                            1,109,738
New York                            230                          119,654,190
North Carolina                       17                            8,816,720
Ohio                                  2                              645,617
Oregon                                2                              975,113
Pennsylvania                         18                            9,346,558
Rhode Island                          4                            2,216,964
South Carolina                        6                            2,772,316
Tennessee                             2                            1,016,477
Texas                                15                            8,515,800
Utah                                  1                              625,182
Vermont                               2                              989,240
Virginia                             44                           22,087,479
Washington                           16                            8,371,880
Wisconsin                             3                            1,375,593

Total                               921                         $468,422,305
                                    ===                         ============
GEOGRAPHIC DISTRIBUTION OF
                     POOL II MORTGAGED PROPERTIES BY STATE

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

Alabama                               3                         $ 1,372,762
Arizona                               1                             971,465
Arkansas                              0                                   0
California                           53                          29,833,998
Colorado                              4                           1,822,089
Connecticut                           3                           1,639,213
Delaware                              0                                   0
District of Columbia                  0                                   0
Florida                               7                           4,736,108
Georgia                               1                             354,830
Idaho                                 0                                   0
Illinois                             11                           5,292,208
Indiana                               1                             533,121
Iowa                                  1                             341,718
Kentucky                              1                             440,966
Louisiana                             0                                   0
Maine                                 0                                   0
Maryland                              5                           2,408,407
Massachusetts                         9                           4,693,488
Michigan                              5                           2,253,976
Minnesota                             0                                   0
Mississippi                           0                                   0
Missouri                              5                           2,884,698
Montana                               1                             509,035
Nebraska                              0                                   0
Nevada                                3                           1,531,416
New Hampshire                         0                                   0
New Jersey                           13                           6,693,096
New Mexico                            0                                   0
New York                             28                          15,675,297
North Carolina                        1                             523,117
Ohio                                  1                             772,220
Oregon                                0                                   0
Pennsylvania                          0                                   0
Rhode Island                          2                             774,333
South Carolina                        4                           1,724,535
Tennessee                             2                           1,339,855
Texas                                11                           5,509,880
Utah                                  0                                   0
Vermont                               1                             553,945
Virginia                              3                           2,044,388
Washington                            2                           1,247,609
Wisconsin                             0                                   0
Total                               182                         $98,477,773
                                    ===                         ===========
DISTRIBUTION BY FICO SCORES AND LOAN-TO-VALUE
                 RATIOS AT ORIGINATION OF POOL I MORTGAGE LOANS
FICO Score                               Loan-to-value ratio
---------                                -------------------
                65.000%    65.001%-   75.001%-   80.001%-   85.001%-   90.001%-
                and below   75.000%    80.000%    85.000%    90.000%    95.000%     All Loans
                ---------   -------    -------    -------    -------    -------     ---------
Less than 620    0.40%       0.25%      0.49%      0.09%      0.07%      0.17%         1.46%
620-649          0.91%       0.98%      0.50%      0.00%      0.07%      0.00%         2.46%
650-699          5.50%       4.51%      7.57%      0.10%      0.08%      0.15%        17.91%
700-749         10.88%       6.84%     13.67%      0.00%      0.09%      0.08%        31.56%
750-799         16.06%       7.84%     20.22%      0.09%      0.38%      0.08%        44.68%
800 and above    0.46%       0.52%      0.88%      0.08%      0.00%      0.00%         1.93%
Total           34.21%      20.94%     43.33%      0.36%      0.69%      0.48%       100.00%
                ======      ======     ======      =====      ====       =====       =======
DISTRIBUTION BY FICO SCORES AND LOAN-TO-VALUE
                 RATIOS AT ORIGINATION OF POOL II MORTGAGE LOANS
FICO Score                               Loan-to-value ratio
---------                                -------------------
                 65.000%    65.001%-   75.001%-   80.001%-   85.001%-   90.001%-
                and below   75.000%    80.000%    85.000%    90.000%    95.000%     All Loans
                ---------   -------    -------    -------    -------    -------     ---------
Less than 620    1.21%       0.54%      0.42%      0.00%      0.00%      0.00%         2.17%
620-649          1.46%       0.42%      0.40%      0.00%      0.00%      0.00%         2.29%
650-699         12.67%       1.48%      4.28%      0.00%      0.00%      0.00%        18.43%
700-749         17.90%       4.22%      6.48%      0.00%      0.00%      0.00%        28.60%
750-799         24.91%       5.61%     14.83%      0.00%      0.00%      0.00%        45.34%
800 and above    2.70%       0.00%      0.47%      0.00%      0.00%      0.00%         3.17%
Total           60.85%      12.27%     26.88%      0.00%      0.00%      0.00%       100.00%
                ======      ======     ======      =====      =====      =====       =======
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 10, 2004