<PAGE>

================================================================================

                                  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 (Date of earliest event reported): August 25, 2005


                       CITIGROUP MORTGAGE LOAN TRUST INC.

            (as depositor under the Pooling and Servicing Agreement,
          dated as of September 1, 2005, providing for the issuance of
                       Citigroup Mortgage Loan Trust Inc.
            Asset Backed Pass-Through Certificates, Series 2005-HE3)



                       Citigroup Mortgage Loan Trust Inc.
                       ----------------------------------

             (Exact name of registrant as specified in its charter)
--------------------------------------------------------------------------------




           Delaware                  333-124036           01-0791848
----------------------------         -------------        ----------------------
(State or Other Jurisdiction         (Commission          (I.R.S. Employer
of Incorporation)                    File Number)         Identification Number)

390 Greenwich Street
New York, New York                                            10013
--------------------------------------------                  ------
(Address of Principal Executive Offices)                      Zip Code)

Registrant's telephone number, including area code:  (212) 816-6000
                                                     --------------


================================================================================

<PAGE>

                                      - 2 -


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[  ] Written communications pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

[  ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act
     (17 CFR 240.14a-12(b))

[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))

Item 8.01.        Other Events.

Description of the Mortgage Pool

         Citigroup Mortgage Loan Trust Inc. (the "Registrant") plans a series of
certificates, entitled Citigroup Mortgage Loan Trust, Asset Backed Pass-Through
Certificates, Series 2005-HE3 (the "Certificates"), to be issued pursuant to a
pooling and servicing agreement, dated as of September 1, 2005, among the
Registrant as depositor, Chase Manhattan Mortgage Corporation as a servicer,
HomEq Servicing Corporation as a servicer, Countrywide Securities Corporation as
a servicer, Citibank, N.A. as trust administrator, and U.S. Bank National
Association as trustee. The Certificates to be designated as the Citigroup
Mortgage Loan Trust Certificates, Series 2005-HE3 will represent in the
aggregate the entire beneficial ownership interest in a trust fund (the "Trust
Fund") consisting primarily of a pool (the "Mortgage Pool") of conventional,
one- to four-family, first lien and second lien fixed-rate and adjustable-rate
mortgage loans having original terms to maturity up to 30 years (the "Mortgage
Loans").

         Computational Materials

         Citigroup Global Markets Inc. (the "Underwriter") has advised the
Registrant that it has furnished to certain prospective purchasers of
Certificates certain materials, herein referred to as "Computational Materials",
in written form, which Computational Materials are in the nature of data tables
and term sheet information relating to the Mortgage Loans or other assets of the
Trust Fund.

         The Computational Materials have been provided by the Underwriter. The
information in the Computational Materials is preliminary and will be superseded
by a prospectus supplement relating to the Certificates and by any other
information subsequently filed with the Commission.

         The Computational Materials were prepared by the Underwriter at the
request of certain prospective investors. The Computational Materials may be
based on information that differs from the information set forth in the
prospectus supplement.


<PAGE>

                                      - 3 -


Item 9.01.        Financial Statements and Exhibits

         (a)      Financial Statements.

                  Not applicable.

         (b)      Pro Forma Financial Information.

                  Not applicable.

         (c)      Exhibits


<TABLE>
<CAPTION>
                  ITEM 601(a) OF
                  REGULATION S-K
 EXHIBIT NO.       EXHIBIT NO.                              DESCRIPTION
 -----------       -----------                              -----------
<S>               <C>                   <C>
      1                 99              Computational Materials (as defined in Item 8.01)
                                        that have been provided by Citigroup Global
                                        Markets Inc. to certain prospective purchasers of
                                        Citigroup Mortgage Loan Trust Asset Backed
                                        Pass-Through Certificates, Series 2005-HE3
</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.

Dated: September 12, 2005

                                        CITIGROUP MORTGAGE LOAN TRUST INC.


                                        By: /s/ Matthew Bollo
                                            ------------------------------
                                        Name:  Matthew Bollo
                                        Title: Assistant Vice President

<PAGE>

                                Index to Exhibits


<TABLE>
<CAPTION>
                                                                                                Sequentially
    Exhibit No.                                  Description                                   Numbered Page
    -----------                                  -----------                                   -------------
<S>                   <C>                                                                      <C>
        99.5          Computational Materials (as defined in Item 5) that have been                   P
                      provided by Citigroup Global Markets Inc. to certain
                      prospective purchasers of Citigroup Mortgage Loan Trust,
                      Asset-Backed Pass-Through Certificates, Series 2005-HE3.
</TABLE>
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{"company-data": {"conformed-name": "CITIGROUP MORTGAGE LOAN TRUST INC", "cik": "0001257102", "assigned-sic": "6189", "irs-number": "010791848"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-107958", "film-number": "051081338"}, "mail-address": {"street1": "390 GREENWICH STREET", "city": "NEW YORK", "state": "NY", "zip": "10013"}}
================================================================================

                                  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 (Date of earliest event reported): August 25, 2005

                       CITIGROUP MORTGAGE LOAN TRUST INC.

            (as depositor under the Pooling and Servicing Agreement,
          dated as of September 1, 2005, providing for the issuance of
                       Citigroup Mortgage Loan Trust Inc.
            Asset Backed Pass-Through Certificates, Series 2005-HE3)

                       Citigroup Mortgage Loan Trust Inc.
                       ----------------------------------

             (Exact name of registrant as specified in its charter)
--------------------------------------------------------------------------------

           Delaware                  333-124036           01-0791848
----------------------------         -------------        ----------------------
(State or Other Jurisdiction         (Commission          (I.R.S. Employer
of Incorporation)                    File Number)         Identification Number)

390 Greenwich Street
New York, New York                                            10013
--------------------------------------------                  ------
(Address of Principal Executive Offices)                      Zip Code)

Registrant's telephone number, including area code:  (212) 816-6000
                                                     --------------

================================================================================
- 2 -

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[  ] Written communications pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

[  ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act
     (17 CFR 240.14a-12(b))

[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))

Item 8.01.        Other Events.

Description of the Mortgage Pool

         Citigroup Mortgage Loan Trust Inc. (the "Registrant") plans a series of
certificates, entitled Citigroup Mortgage Loan Trust, Asset Backed Pass-Through
Certificates, Series 2005-HE3 (the "Certificates"), to be issued pursuant to a
pooling and servicing agreement, dated as of September 1, 2005, among the
Registrant as depositor, Chase Manhattan Mortgage Corporation as a servicer,
HomEq Servicing Corporation as a servicer, Countrywide Securities Corporation as
a servicer, Citibank, N.A. as trust administrator, and U.S. Bank National
Association as trustee. The Certificates to be designated as the Citigroup
Mortgage Loan Trust Certificates, Series 2005-HE3 will represent in the
aggregate the entire beneficial ownership interest in a trust fund (the "Trust
Fund") consisting primarily of a pool (the "Mortgage Pool") of conventional,
one- to four-family, first lien and second lien fixed-rate and adjustable-rate
mortgage loans having original terms to maturity up to 30 years (the "Mortgage
Loans").

         Computational Materials

         Citigroup Global Markets Inc. (the "Underwriter") has advised the
Registrant that it has furnished to certain prospective purchasers of
Certificates certain materials, herein referred to as "Computational Materials",
in written form, which Computational Materials are in the nature of data tables
and term sheet information relating to the Mortgage Loans or other assets of the
Trust Fund.

         The Computational Materials have been provided by the Underwriter. The
information in the Computational Materials is preliminary and will be superseded
by a prospectus supplement relating to the Certificates and by any other
information subsequently filed with the Commission.

         The Computational Materials were prepared by the Underwriter at the
request of certain prospective investors. The Computational Materials may be
based on information that differs from the information set forth in the
prospectus supplement.
- 3 -

Item 9.01.        Financial Statements and Exhibits

         (a)      Financial Statements.

                  Not applicable.

         (b)      Pro Forma Financial Information.

                  Not applicable.

         (c)      Exhibits
ITEM 601(a) OF
                  REGULATION S-K
 EXHIBIT NO.       EXHIBIT NO.                              DESCRIPTION
 -----------       -----------                              -----------
1                 99              Computational Materials (as defined in Item 8.01)
                                        that have been provided by Citigroup Global
                                        Markets Inc. to certain prospective purchasers of
                                        Citigroup Mortgage Loan Trust Asset Backed
                                        Pass-Through Certificates, Series 2005-HE3
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.

Dated: September 12, 2005

                                        CITIGROUP MORTGAGE LOAN TRUST INC.

                                        By: /s/ Matthew Bollo
                                            ------------------------------
                                        Name:  Matthew Bollo
                                        Title: Assistant Vice President
Index to Exhibits
Sequentially
    Exhibit No.                                  Description                                   Numbered Page
    -----------                                  -----------                                   -------------
99.5          Computational Materials (as defined in Item 5) that have been                   P
                      provided by Citigroup Global Markets Inc. to certain
                      prospective purchasers of Citigroup Mortgage Loan Trust,
                      Asset-Backed Pass-Through Certificates, Series 2005-HE3.