<PAGE>   1

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

                        CITIGROUP MORTGAGE LOAN TRUST, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates Series 2005-01)
    ------------------------------------------------------------------------
               (Exact name of registrant as specified in charter)

    Delaware                        333-117349-08              11-2418191
--------------------------------------------------------------------------------
(State or other jurisdiction   (Commission File Nos.)       (I.R.S. Employer
     of organization)                                       Identification No.)

390 Greenwich Street, New York, NY                    10013
----------------------------------------            ----------
(Address of principal executive offices)            (Zip Code)

Registrant's Telephone Number, including area code: (212) 816-6000


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


                                       1


<PAGE>   2

Item 8.01.       Other Events.
                 -------------


                       CITIGROUP MORTGAGE LOAN TRUST, INC.
                 REMIC Pass-Through Certificates, Series 2005-01
                 ----------------------------------------------

         Attached as Exhibit I is the monthly servicing report for the month of
         July 2005.


                                       2


<PAGE>   3

                                   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.


                                    CITIGROUP MORTGAGE LOAN TRUST, INC.
                                    (Registrant)


                                    By:  /s/ Cathy Johnson

                                       -------------------------
                                             Cathy Johnson
                                        Assistant Vice President


Dated: August 26, 2005


                                       3


<PAGE>   4

                                  EXHIBIT INDEX


Exhibit No.                                                      Page No.
-----------                                                      --------

    I           monthly servicing report for July 2005              5



                                       4



<PAGE>   5

                                                                       EXHIBIT I
                                                                       ---------


                                     Citigroup Mortgage Loan Trust Inc.
                            Distribution Date Statement to Certificateholders
                                      Remic Pass-Through Certificate

 Series Name:          CMLTI 2005-01
 Payment Date:         08/25/2005
 Issuer:               Citigroup Mortgage Loan Trust Inc.
 Record Date:          31-Jul-05
 Distribution Date:    25-Aug-05
 Distribution #:       5


 Trustee               U.S. Bank National Association
                       Clare M. O'Brien  (617) 603-6402

 Bond Administrator    CitiMortgage, Inc.
                       Norma Wesselmann (636) 261-1368

 Paying Agent:         Citibank N.A.
                       Karen Schluter (212) 816-5827
 <TABLE>
 <CAPTION>
-----------------------------------------------------------------------------------------------
                                                      Next
                                       Current     Succeeding
     Class          Coupon Type        Coupon        Coupon          Original Par  CUSIP #
-----------------------------------------------------------------------------------------------
<S>        <C>                 <C>           <C>            <C>                <C>          <C>
     II-A1A            Variable      4.72163%       4.79341%     $88,007,000.00    17307GPS1
     II-A1B            Variable      4.72163%       4.79341%      $4,645,000.00    17307GPT9
                                                             -------------------
                                         Class A-II-1 Total      $92,652,000.00

     II-A2A            Variable      4.78292%       4.84427%     $66,749,000.00    17307GPU6
     II-A2B            Variable      4.78292%       4.84427%      $3,523,000.00    17307GPV4
       II-R            Variable      0.00000%       0.00000%            $100.00    17307GPZ5
                                                             -------------------
                                         Class A-II-2 Total      $70,272,100.00

     III-A1               Fixed      6.50000%       6.50000%     $68,774,000.00    17307GQA9
     III-PO      Principal Only      0.00000%       0.00000%        $707,943.00    17307GQC5
      III-R            Variable      0.00000%       0.00000%            $100.00    17307GQF8
                                                             -------------------
                                       Class A-III-A1 Total      $69,482,043.00

     III-A2               Fixed      7.50000%       7.50000%     $17,930,000.00    17307GQB7
**   III-XS       Interest Only      7.49900%       7.49992%         $74,479.42    17307GQD3
                                                             -------------------
                                       Class A-III-A2 Total      $17,930,000.00

      II-B1            Variable      4.74806%       4.81534%      $3,697,000.00    17307GPW2
      II-B2            Variable      4.74806%       4.81534%      $1,805,000.00    17307GPX0
      II-B3            Variable      4.74806%       4.81534%      $1,204,000.00    17307GPY8
      II-B4            Variable      4.74806%       4.81534%        $946,000.00    17307g9v2
      II-B5            Variable      4.74806%       4.81534%        $859,000.00    17307g9w0
      II-B6            Variable      4.74806%       4.81534%        $516,643.56    17307g9x8
                                                             -------------------
                                         Class SUB-II Total       $9,027,643.56

     III-B1            Variable      6.70497%       6.70489%        $445,000.00    17307GQE1
     III-B2            Variable      6.70497%       6.70489%      $1,112,703.45    17308g9a7
                                                             -------------------
                                        Class SUB-III Total       $1,557,703.45

                                                             ===================
                                                                $260,921,490.01
** Denotes Notional Balance

</TABLE>


<PAGE>   6
                                    Citigroup Mortgage Loan Trust Inc.
                          Distribution Date Statement to Certificate Holders
                                      Remic Pass-Through Certificate


Series Name:  CMLTI 2005-01
Payment Date: 08/25/2005

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------------------------------------------
                              Non Supported     Net WAC    Relief Act.
                 Interest        Interest      Interest     Interest      Interest       Interest       Principal
       CLASS     Accrued        Shortfall      Carryover    Shortfall    Shortfall      Recoveries      Recoveries    Interest Paid
-----------------------------------------------------------------------------------------------------------------------------------
<S>         <C>               <C>             <C>          <C>              <C>            <C>
      II-A1A     $308,640.48           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $308,640.48
      II-A1B      $16,290.01           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $16,290.01
             ----------------------------------------------------------------------------------------------------------------------
A-II-1 Total     $324,930.49           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $324,930.49

      II-A2A     $241,850.84           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $241,850.84
      II-A2B      $12,764.84           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $12,764.84
        II-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-II-2 Total     $254,615.68           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $254,615.68

      III-A1     $315,644.88           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $315,644.88
      III-PO           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
       III-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-III-A1         $315,644.88           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $315,644.88
Total
      III-A2      $94,174.90           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $94,174.90
      III-XS         $441.64           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00        $441.64
             ----------------------------------------------------------------------------------------------------------------------
A-III-A2          $94,616.54           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $94,616.54
Total
       II-B1      $14,622.31           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $14,622.31
       II-B2       $7,139.10           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $7,139.10
       II-B3       $4,762.04           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $4,762.04
       II-B4       $3,741.60           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,741.60
       II-B5       $3,397.50           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,397.50
       II-B6       $2,043.42           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $2,043.42
             ----------------------------------------------------------------------------------------------------------------------
SUB-II Total      $35,705.97           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $35,705.97

      III-B1       $2,465.41           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $2,465.41
      III-B2       $6,164.66           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $6,164.66
             ----------------------------------------------------------------------------------------------------------------------
SUB-III            $8,630.07           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $8,630.07
Total
             ======================================================================================================================

       Total   $1,034,143.63           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,034,143.63
</TABLE>


 <TABLE>
 <CAPTION>
 ------------------------------------------------------------------------------------------------------------------
                     Interest        Cum Non Supported      Cum Net WAC         Cum Relief Act      Cum Unpaid
                     Paid Per            Interest             Interest             Interest          Interest
      CLASS         Certificate         Shortfalls        Carryover Amount        Shortfalls        Shortfalls
 ------------------------------------------------------------------------------------------------------------------
<S>           <C>                <C>                 <C>
         II-A1A 3.50699922                      $0.00                  $0.00               $0.00            $0.00
         II-A1B 3.50699892                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   A-II-1 Total                                 $0.00                  $0.00               $0.00            $0.00

         II-A2A 3.62328784                      $0.00                  $0.00               $0.00            $0.00
         II-A2B 3.62328697                      $0.00                  $0.00               $0.00            $0.00
           II-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   A-II-2 Total                                 $0.00                  $0.00               $0.00            $0.00

         III-A1 4.58959607                      $0.00                  $0.00               $0.00            $0.00
         III-PO 0.00000000                      $0.00                  $0.00               $0.00            $0.00
          III-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
 A-III-A1 Total                                 $0.00                  $0.00               $0.00            $0.00

         III-A2 5.25236475                      $0.00                  $0.00               $0.00            $0.00
         III-XS 5.92969172                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
 A-III-A2 Total                                 $0.00                  $0.00               $0.00            $0.00

          II-B1 3.95518258                      $0.00                  $0.00               $0.00            $0.00
          II-B2 3.95518006                      $0.00                  $0.00               $0.00            $0.00
          II-B3 3.95518272                      $0.00                  $0.00               $0.00            $0.00
          II-B4 3.95517970                      $0.00                  $0.00               $0.00            $0.00
          II-B5 3.95518044                      $0.00                  $0.00               $0.00            $0.00
          II-B6 3.95518334                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   SUB-II Total                                 $0.00                  $0.00               $0.00            $0.00

         III-B1 5.54024719                      $0.00                  $0.00               $0.00            $0.00
         III-B2 5.54025423                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
  SUB-III Total                                 $0.00                  $0.00               $0.00            $0.00


                                   =================================================================================
       Total                                    $0.00                  $0.00               $0.00            $0.00

 </TABLE>






<PAGE>   7
                                   Citigroup Mortgage Loan Trust Inc.
                            Distribution Date Statement to Certificateholders
                                      Remic Pass-Through Certificate

Series Name: CMLTI  2005-01
Payment Date: 08/25/2005

<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------------------------
                                             Certificate
                                             Reductions
                                             not part of                          Principal
                                            distributions                            Paid          Cumulative
                           Principal          to reduce          Principal           Per           Principal
         CLASS                Due           Stated Amount          Paid           Certificate         Loss
---------------------------------------------------------------------------------------------------------------
<S>                  <C>                 <C>                 <C>                <C>            <C>
               II-A1A       $2,354,774.72               $0.00      $2,354,774.72    26.75667526            0.00
               II-A1B         $124,284.76               $0.00        $124,284.76    26.75667600            0.00
           ----------------------------------------------------------------------------------------------------
         A-II-1 Total       $2,479,059.48               $0.00      $2,479,059.48                           0.00
               II-A2A       $1,184,612.27               $0.00      $1,184,612.27    17.74726618            0.00
               II-A2B          $62,523.62               $0.00         $62,523.62    17.74726653            0.00
                 II-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
         A-II-2 Total       $1,247,135.89               $0.00      $1,247,135.89                           0.00
               III-A1       $1,507,151.82               $0.00      $1,507,151.82    21.91455812            0.00
               III-PO           $1,654.16               $0.00          $1,654.16     2.33657229            0.00
                III-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
       A-III-A1 Total       $1,508,805.98               $0.00      $1,508,805.98                           0.00
               III-A2         $433,945.09               $0.00        $433,945.09    24.20218015            0.00
               III-XS                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
       A-III-A2 Total         $433,945.09               $0.00        $433,945.09                           0.00
                II-B1             $337.04               $0.00            $337.04     0.09116581            0.00
                II-B2             $164.55               $0.00            $164.55     0.09116343            0.00
                II-B3             $109.76               $0.00            $109.76     0.09116279            0.00
                II-B4              $86.24               $0.00             $86.24     0.09116279            0.00
                II-B5              $78.31               $0.00             $78.31     0.09116414            0.00
                II-B6              $47.11               $0.00             $47.11     0.09118472            0.00
           ----------------------------------------------------------------------------------------------------
         SUB-II Total             $823.01               $0.00            $823.01                           0.00
               III-B1             $959.51               $0.00            $959.51     2.15620225            0.00
               III-B2           $2,399.20               $0.00          $2,399.20     2.15618995            0.00
           ----------------------------------------------------------------------------------------------------
        SUB-III Total           $3,358.71               $0.00          $3,358.71                           0.00
          =====================================================================================================
                Total       $5,673,128.16               $0.00      $5,673,128.16                           0.00



</TABLE>


<PAGE>   8
                                 Citigroup Mortgage Loan Trust Inc.
                         Distribution Date Statement to Certificateholders
                                   Remic Pass-Through Certificate

Series Name:    CMLTI 2005-01
Payment Date:   08/25/2005

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------------------------------------------
  CLASS  Previous Period's  Ending Period's Beginning Balance Ending Balance  Ending Balance  Beginning     Ending       Prepayment
               Balance         Balance       Per Certificate  Per Certificate   Pool Factor   Class PCT    Class PCT     Percentage
-----------------------------------------------------------------------------------------------------------------------------------
<S>       <C>             <C>            <C>             <C>            <C>          <C>           <C>            <C>
    II-A1A  $78,440,809.91 $76,086,035.19    891.30194087    864.54526560  0.86454527 89.428394632%  89.266972839%   94.986616586%
    II-A1B   $4,140,097.52  $4,015,812.76    891.30194187    864.54526588  0.86454527  4.720021061%   4.711501232%    5.013383413%
            -----------------------------------------------------------------------------------------------------------------------
A-II-1 Tot  $82,580,907.43 $80,101,847.95                                             94.148415693%  93.978474071%  100.000000000%
    II-A2A  $60,678,619.68 $59,494,007.41    909.05661029    891.30934411  0.89130934 89.532500680%  89.431052100%   94.986623406%
    II-A2B   $3,202,606.43  $3,140,082.81    909.05660800    891.30934147  0.89130934  4.725508983%   4.720154543%    5.013376593%
      II-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-II-2 Tot  $63,881,226.11 $62,634,090.22                                             94.258009663%  94.151206644%  100.000000000%
    III-A1  $58,272,901.71 $56,765,749.89    847.31005482    825.39549670  0.82539550 97.936229182%  97.886917277%  100.000000000%
    III-PO     $574,829.86    $573,175.70    811.97195254    809.63538025  0.80963538  0.000000000%   0.000000000%    0.000000000%
     III-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-III-A1 T  $58,847,731.57 $57,338,925.59                                             97.936229182%  97.886917277%  100.000000000%
    III-A2  $15,067,983.85 $14,634,038.76    840.37835192    816.17617178  0.81617617 97.942229791%  97.887729006%  100.000000000%
**  III-XS      $70,673.41     $68,801.10    948.89850109    923.75987890  0.92375988  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-III-A2 T  $15,067,983.85 $14,634,038.76                                             97.942229791%  97.887729006%  100.000000000%
     II-B1   $3,695,563.29  $3,695,226.25    999.61138491    999.52021910  0.99952022  2.376777909%   2.434926529%    0.000000000%
     II-B2   $1,804,298.54  $1,804,133.99    999.61137950    999.52021607  0.99952022  1.160423073%   1.188813192%    0.000000000%
     II-B3   $1,203,532.10  $1,203,422.34    999.61137874    999.52021595  0.99952022  0.774043977%   0.792981209%    0.000000000%
     II-B4     $945,632.37    $945,546.13    999.61138478    999.52022199  0.99952022  0.608177414%   0.623056668%    0.000000000%
     II-B5     $858,666.19    $858,587.88    999.61139697    999.52023283  0.99952023  0.552245671%   0.565756537%    0.000000000%
     II-B6     $516,442.79    $516,395.68    999.61139552    999.52021080  0.99952021  0.332146879%   0.340272951%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-II Tot   $9,024,135.28  $9,023,312.27                                              5.803814927%   5.945807088%    0.000000000%
    III-B1     $441,239.38    $440,279.87    991.54916854    989.39296629  0.98939297  0.589219302%   0.603611211%    0.000000000%
    III-B2   $1,103,300.22  $1,100,901.02    991.54920388    989.39301392  0.98939301  1.473317695%   1.509304067%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-III To   $1,544,539.60  $1,541,180.89                                              2.062536998%   2.112915278%    0.000000000%

            ======================================================================================================================
Total        $230,946,523.84  $225,273,395.68

PO Balance       $574,829.86      $573,175.70

Non PO Bal   $230,371,693.98  $224,700,219.98
</TABLE>


<PAGE>  9

                                     Citigroup Mortgage Loan Trust Inc.
                                         DISTRIBUTION DATE STATEMENT
Series Name:  CMLTI 2005-01            REMIC PASS-THROUGH CERTIFICATE
Pmt Date:    08/25/2005

   Advances:
     Aggregate Amount of P&I Advances for such Distribution Date:$1,038,526.54
   Summary of Disbursements         Withdrawel/
         Remittances        Residual  (Deposit)    P&I Distributed
     -------------------------------------------------------------
        $6,707,271.79          $0.00     $0.00    $6,707,271.79


    Extraordinary Trust  Fund Expenses withdrawn from the Collection     $0.00
    Account or Distribution Account for such Distribution Date:


Collateral Pool III - Weighted average of the Stripped Interest Rates    0.6296%

Collateral Pool I - Aggregate Amoount of Deferred Interest                  0.00

Collateral Pool I - Aggregate Amount of net Deferred Interest              $0.00




Loan level information (including data on REO, loans in foreclosure and
realized losses) is available on the Citimortgagembs.com website in the
payment and summary section of the CMLTI shelf

<PAGE>   10
                               Citigroup Mortgage Loan Trust Inc.
                        Distribution Date Statement to Certificateholders
                                 Remic Pass-Through Certificate

Series Name: CMLTI 2005-01
Payment Date: 08/25/2005

DELINQUENCY  (1)
<TABLE>
<CAPTION>
---------------------------------------------------------------------------------------------------------
                                                  Number of    Amount of Scheduled    Amount of Actual
                                                    loans              Balance              Balance
 Pool                              Item            #    PCT       Amount      PCT       Amount      PCT
---------------------------------------------------------------------------------------------------------
<S>                                            <C>  <C>     <C>            <C>    <C>           <C>
                                 (2) 30-59 DAYS    3   1.35%    $955,722.32  1.25%    $953,129.21  1.25%
                                 (2) 60-89 Days    0   0.00%          $0.00  0.00%          $0.00  0.00%
                                  (2) 90 + DAYS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    8   3.23%  $2,127,777.12  2.50%  $2,127,777.12  2.50%
 3/1 Arms                        (2) 60-89 Days    2   0.81%    $828,000.00  0.97%    $828,000.00  0.97%
                                  (2) 90 + DAYS    1   0.40%    $450,500.00  0.53%    $450,500.00  0.53%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%

                        BANKRUPTCIES IN PROCESS    1   0.40%    $128,250.00  0.15%    $128,250.00  0.15%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    2   1.13%    $632,549.69  0.95%    $632,549.69  0.95%
 5/1 Arms                        (2) 60-89 Days    0   0.00%          $0.00  0.00%          $0.00  0.00%
                                  (2) 90 + DAYS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS   10   2.35%  $2,760,326.81  1.82%  $2,760,326.81  1.82%
 3/1 & 5/1 Ar                    (2) 60-89 Days    2   0.47%    $828,000.00  0.55%    $828,000.00  0.55%
                                  (2) 90 + DAYS    1   0.24%    $450,500.00  0.30%    $450,500.00  0.30%

                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        BANKRUPTCIES IN PROCESS    1   0.24%    $128,250.00  0.08%    $128,250.00  0.08%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    2   0.90%    $365,570.15  0.50%    $368,540.82  0.50%
 Seasoned                        (2) 60-89 Days    0   0.00%          $0.00  0.00%          $0.00  0.00%
                                  (2) 90 + DAYS    1   0.45%    $244,239.89  0.33%    $246,765.64  0.34%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.45%    $244,239.89  0.33%    $246,765.64  0.34%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
</TABLE>
            (1)  DETERMINED BY THE MBA METHOD.
            (2)  DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST.
[{"type": "8-K", "sequence": "1", "filename": "final_2005-01.txt", "secsgml_size_bytes": 32608}]
{"company-data": {"conformed-name": "CITIFINANCIAL MORTGAGE SECURITIES INC", "cik": "0001102620", "assigned-sic": "6189", "irs-number": "522207681", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-109143", "film-number": "051069574"}, "business-address": {"street1": "300 ST PAUL PLACE", "city": "BALTIMORE", "state": "MD", "zip": "21202", "phone": "4103323607"}, "mail-address": {"street1": "300 ST PAUL PLACE", "city": "BALTIMORE", "state": "MD", "zip": "21202"}}
1

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

                        CITIGROUP MORTGAGE LOAN TRUST, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates Series 2005-01)
    ------------------------------------------------------------------------
               (Exact name of registrant as specified in charter)

    Delaware                        333-117349-08              11-2418191
--------------------------------------------------------------------------------
(State or other jurisdiction   (Commission File Nos.)       (I.R.S. Employer
     of organization)                                       Identification No.)

390 Greenwich Street, New York, NY                    10013
----------------------------------------            ----------
(Address of principal executive offices)            (Zip Code)

Registrant's Telephone Number, including area code: (212) 816-6000

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

                                       1
2

Item 8.01.       Other Events.
                 -------------

                       CITIGROUP MORTGAGE LOAN TRUST, INC.
                 REMIC Pass-Through Certificates, Series 2005-01
                 ----------------------------------------------

         Attached as Exhibit I is the monthly servicing report for the month of
         July 2005.

                                       2
3

                                   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.

                                    CITIGROUP MORTGAGE LOAN TRUST, INC.
                                    (Registrant)

                                    By:  /s/ Cathy Johnson

                                       -------------------------
                                             Cathy Johnson
                                        Assistant Vice President

Dated: August 26, 2005

                                       3
4

                                  EXHIBIT INDEX

Exhibit No.                                                      Page No.
-----------                                                      --------

    I           monthly servicing report for July 2005              5

                                       4
5

                                                                       EXHIBIT I
                                                                       ---------

                                     Citigroup Mortgage Loan Trust Inc.
                            Distribution Date Statement to Certificateholders
                                      Remic Pass-Through Certificate

 Series Name:          CMLTI 2005-01
 Payment Date:         08/25/2005
 Issuer:               Citigroup Mortgage Loan Trust Inc.
 Record Date:          31-Jul-05
 Distribution Date:    25-Aug-05
 Distribution #:       5

 Trustee               U.S. Bank National Association
                       Clare M. O'Brien  (617) 603-6402

 Bond Administrator    CitiMortgage, Inc.
                       Norma Wesselmann (636) 261-1368

 Paying Agent:         Citibank N.A.
                       Karen Schluter (212) 816-5827
-----------------------------------------------------------------------------------------------
                                                      Next
                                       Current     Succeeding
     Class          Coupon Type        Coupon        Coupon          Original Par  CUSIP #
-----------------------------------------------------------------------------------------------
II-A1A            Variable      4.72163%       4.79341%     $88,007,000.00    17307GPS1
     II-A1B            Variable      4.72163%       4.79341%      $4,645,000.00    17307GPT9
                                                             -------------------
                                         Class A-II-1 Total      $92,652,000.00

     II-A2A            Variable      4.78292%       4.84427%     $66,749,000.00    17307GPU6
     II-A2B            Variable      4.78292%       4.84427%      $3,523,000.00    17307GPV4
       II-R            Variable      0.00000%       0.00000%            $100.00    17307GPZ5
                                                             -------------------
                                         Class A-II-2 Total      $70,272,100.00

     III-A1               Fixed      6.50000%       6.50000%     $68,774,000.00    17307GQA9
     III-PO      Principal Only      0.00000%       0.00000%        $707,943.00    17307GQC5
      III-R            Variable      0.00000%       0.00000%            $100.00    17307GQF8
                                                             -------------------
                                       Class A-III-A1 Total      $69,482,043.00

     III-A2               Fixed      7.50000%       7.50000%     $17,930,000.00    17307GQB7
**   III-XS       Interest Only      7.49900%       7.49992%         $74,479.42    17307GQD3
                                                             -------------------
                                       Class A-III-A2 Total      $17,930,000.00

      II-B1            Variable      4.74806%       4.81534%      $3,697,000.00    17307GPW2
      II-B2            Variable      4.74806%       4.81534%      $1,805,000.00    17307GPX0
      II-B3            Variable      4.74806%       4.81534%      $1,204,000.00    17307GPY8
      II-B4            Variable      4.74806%       4.81534%        $946,000.00    17307g9v2
      II-B5            Variable      4.74806%       4.81534%        $859,000.00    17307g9w0
      II-B6            Variable      4.74806%       4.81534%        $516,643.56    17307g9x8
                                                             -------------------
                                         Class SUB-II Total       $9,027,643.56

     III-B1            Variable      6.70497%       6.70489%        $445,000.00    17307GQE1
     III-B2            Variable      6.70497%       6.70489%      $1,112,703.45    17308g9a7
                                                             -------------------
                                        Class SUB-III Total       $1,557,703.45

                                                             ===================
                                                                $260,921,490.01
** Denotes Notional Balance
6
                                    Citigroup Mortgage Loan Trust Inc.
                          Distribution Date Statement to Certificate Holders
                                      Remic Pass-Through Certificate

Series Name:  CMLTI 2005-01
Payment Date: 08/25/2005
-----------------------------------------------------------------------------------------------------------------------------------
                              Non Supported     Net WAC    Relief Act.
                 Interest        Interest      Interest     Interest      Interest       Interest       Principal
       CLASS     Accrued        Shortfall      Carryover    Shortfall    Shortfall      Recoveries      Recoveries    Interest Paid
-----------------------------------------------------------------------------------------------------------------------------------
II-A1A     $308,640.48           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $308,640.48
      II-A1B      $16,290.01           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $16,290.01
             ----------------------------------------------------------------------------------------------------------------------
A-II-1 Total     $324,930.49           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $324,930.49

      II-A2A     $241,850.84           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $241,850.84
      II-A2B      $12,764.84           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $12,764.84
        II-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-II-2 Total     $254,615.68           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $254,615.68

      III-A1     $315,644.88           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $315,644.88
      III-PO           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
       III-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-III-A1         $315,644.88           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $315,644.88
Total
      III-A2      $94,174.90           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $94,174.90
      III-XS         $441.64           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00        $441.64
             ----------------------------------------------------------------------------------------------------------------------
A-III-A2          $94,616.54           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $94,616.54
Total
       II-B1      $14,622.31           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $14,622.31
       II-B2       $7,139.10           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $7,139.10
       II-B3       $4,762.04           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $4,762.04
       II-B4       $3,741.60           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,741.60
       II-B5       $3,397.50           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,397.50
       II-B6       $2,043.42           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $2,043.42
             ----------------------------------------------------------------------------------------------------------------------
SUB-II Total      $35,705.97           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $35,705.97

      III-B1       $2,465.41           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $2,465.41
      III-B2       $6,164.66           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $6,164.66
             ----------------------------------------------------------------------------------------------------------------------
SUB-III            $8,630.07           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $8,630.07
Total
             ======================================================================================================================

       Total   $1,034,143.63           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,034,143.63
------------------------------------------------------------------------------------------------------------------
                     Interest        Cum Non Supported      Cum Net WAC         Cum Relief Act      Cum Unpaid
                     Paid Per            Interest             Interest             Interest          Interest
      CLASS         Certificate         Shortfalls        Carryover Amount        Shortfalls        Shortfalls
 ------------------------------------------------------------------------------------------------------------------
II-A1A 3.50699922                      $0.00                  $0.00               $0.00            $0.00
         II-A1B 3.50699892                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   A-II-1 Total                                 $0.00                  $0.00               $0.00            $0.00

         II-A2A 3.62328784                      $0.00                  $0.00               $0.00            $0.00
         II-A2B 3.62328697                      $0.00                  $0.00               $0.00            $0.00
           II-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   A-II-2 Total                                 $0.00                  $0.00               $0.00            $0.00

         III-A1 4.58959607                      $0.00                  $0.00               $0.00            $0.00
         III-PO 0.00000000                      $0.00                  $0.00               $0.00            $0.00
          III-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
 A-III-A1 Total                                 $0.00                  $0.00               $0.00            $0.00

         III-A2 5.25236475                      $0.00                  $0.00               $0.00            $0.00
         III-XS 5.92969172                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
 A-III-A2 Total                                 $0.00                  $0.00               $0.00            $0.00

          II-B1 3.95518258                      $0.00                  $0.00               $0.00            $0.00
          II-B2 3.95518006                      $0.00                  $0.00               $0.00            $0.00
          II-B3 3.95518272                      $0.00                  $0.00               $0.00            $0.00
          II-B4 3.95517970                      $0.00                  $0.00               $0.00            $0.00
          II-B5 3.95518044                      $0.00                  $0.00               $0.00            $0.00
          II-B6 3.95518334                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   SUB-II Total                                 $0.00                  $0.00               $0.00            $0.00

         III-B1 5.54024719                      $0.00                  $0.00               $0.00            $0.00
         III-B2 5.54025423                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
  SUB-III Total                                 $0.00                  $0.00               $0.00            $0.00

                                   =================================================================================
       Total                                    $0.00                  $0.00               $0.00            $0.00
7
                                   Citigroup Mortgage Loan Trust Inc.
                            Distribution Date Statement to Certificateholders
                                      Remic Pass-Through Certificate

Series Name: CMLTI  2005-01
Payment Date: 08/25/2005
---------------------------------------------------------------------------------------------------------------
                                             Certificate
                                             Reductions
                                             not part of                          Principal
                                            distributions                            Paid          Cumulative
                           Principal          to reduce          Principal           Per           Principal
         CLASS                Due           Stated Amount          Paid           Certificate         Loss
---------------------------------------------------------------------------------------------------------------
II-A1A       $2,354,774.72               $0.00      $2,354,774.72    26.75667526            0.00
               II-A1B         $124,284.76               $0.00        $124,284.76    26.75667600            0.00
           ----------------------------------------------------------------------------------------------------
         A-II-1 Total       $2,479,059.48               $0.00      $2,479,059.48                           0.00
               II-A2A       $1,184,612.27               $0.00      $1,184,612.27    17.74726618            0.00
               II-A2B          $62,523.62               $0.00         $62,523.62    17.74726653            0.00
                 II-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
         A-II-2 Total       $1,247,135.89               $0.00      $1,247,135.89                           0.00
               III-A1       $1,507,151.82               $0.00      $1,507,151.82    21.91455812            0.00
               III-PO           $1,654.16               $0.00          $1,654.16     2.33657229            0.00
                III-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
       A-III-A1 Total       $1,508,805.98               $0.00      $1,508,805.98                           0.00
               III-A2         $433,945.09               $0.00        $433,945.09    24.20218015            0.00
               III-XS                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
       A-III-A2 Total         $433,945.09               $0.00        $433,945.09                           0.00
                II-B1             $337.04               $0.00            $337.04     0.09116581            0.00
                II-B2             $164.55               $0.00            $164.55     0.09116343            0.00
                II-B3             $109.76               $0.00            $109.76     0.09116279            0.00
                II-B4              $86.24               $0.00             $86.24     0.09116279            0.00
                II-B5              $78.31               $0.00             $78.31     0.09116414            0.00
                II-B6              $47.11               $0.00             $47.11     0.09118472            0.00
           ----------------------------------------------------------------------------------------------------
         SUB-II Total             $823.01               $0.00            $823.01                           0.00
               III-B1             $959.51               $0.00            $959.51     2.15620225            0.00
               III-B2           $2,399.20               $0.00          $2,399.20     2.15618995            0.00
           ----------------------------------------------------------------------------------------------------
        SUB-III Total           $3,358.71               $0.00          $3,358.71                           0.00
          =====================================================================================================
                Total       $5,673,128.16               $0.00      $5,673,128.16                           0.00
8
                                 Citigroup Mortgage Loan Trust Inc.
                         Distribution Date Statement to Certificateholders
                                   Remic Pass-Through Certificate

Series Name:    CMLTI 2005-01
Payment Date:   08/25/2005
-----------------------------------------------------------------------------------------------------------------------------------
  CLASS  Previous Period's  Ending Period's Beginning Balance Ending Balance  Ending Balance  Beginning     Ending       Prepayment
               Balance         Balance       Per Certificate  Per Certificate   Pool Factor   Class PCT    Class PCT     Percentage
-----------------------------------------------------------------------------------------------------------------------------------
II-A1A  $78,440,809.91 $76,086,035.19    891.30194087    864.54526560  0.86454527 89.428394632%  89.266972839%   94.986616586%
    II-A1B   $4,140,097.52  $4,015,812.76    891.30194187    864.54526588  0.86454527  4.720021061%   4.711501232%    5.013383413%
            -----------------------------------------------------------------------------------------------------------------------
A-II-1 Tot  $82,580,907.43 $80,101,847.95                                             94.148415693%  93.978474071%  100.000000000%
    II-A2A  $60,678,619.68 $59,494,007.41    909.05661029    891.30934411  0.89130934 89.532500680%  89.431052100%   94.986623406%
    II-A2B   $3,202,606.43  $3,140,082.81    909.05660800    891.30934147  0.89130934  4.725508983%   4.720154543%    5.013376593%
      II-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-II-2 Tot  $63,881,226.11 $62,634,090.22                                             94.258009663%  94.151206644%  100.000000000%
    III-A1  $58,272,901.71 $56,765,749.89    847.31005482    825.39549670  0.82539550 97.936229182%  97.886917277%  100.000000000%
    III-PO     $574,829.86    $573,175.70    811.97195254    809.63538025  0.80963538  0.000000000%   0.000000000%    0.000000000%
     III-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-III-A1 T  $58,847,731.57 $57,338,925.59                                             97.936229182%  97.886917277%  100.000000000%
    III-A2  $15,067,983.85 $14,634,038.76    840.37835192    816.17617178  0.81617617 97.942229791%  97.887729006%  100.000000000%
**  III-XS      $70,673.41     $68,801.10    948.89850109    923.75987890  0.92375988  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-III-A2 T  $15,067,983.85 $14,634,038.76                                             97.942229791%  97.887729006%  100.000000000%
     II-B1   $3,695,563.29  $3,695,226.25    999.61138491    999.52021910  0.99952022  2.376777909%   2.434926529%    0.000000000%
     II-B2   $1,804,298.54  $1,804,133.99    999.61137950    999.52021607  0.99952022  1.160423073%   1.188813192%    0.000000000%
     II-B3   $1,203,532.10  $1,203,422.34    999.61137874    999.52021595  0.99952022  0.774043977%   0.792981209%    0.000000000%
     II-B4     $945,632.37    $945,546.13    999.61138478    999.52022199  0.99952022  0.608177414%   0.623056668%    0.000000000%
     II-B5     $858,666.19    $858,587.88    999.61139697    999.52023283  0.99952023  0.552245671%   0.565756537%    0.000000000%
     II-B6     $516,442.79    $516,395.68    999.61139552    999.52021080  0.99952021  0.332146879%   0.340272951%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-II Tot   $9,024,135.28  $9,023,312.27                                              5.803814927%   5.945807088%    0.000000000%
    III-B1     $441,239.38    $440,279.87    991.54916854    989.39296629  0.98939297  0.589219302%   0.603611211%    0.000000000%
    III-B2   $1,103,300.22  $1,100,901.02    991.54920388    989.39301392  0.98939301  1.473317695%   1.509304067%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-III To   $1,544,539.60  $1,541,180.89                                              2.062536998%   2.112915278%    0.000000000%

            ======================================================================================================================
Total        $230,946,523.84  $225,273,395.68

PO Balance       $574,829.86      $573,175.70

Non PO Bal   $230,371,693.98  $224,700,219.98
9

                                     Citigroup Mortgage Loan Trust Inc.
                                         DISTRIBUTION DATE STATEMENT
Series Name:  CMLTI 2005-01            REMIC PASS-THROUGH CERTIFICATE
Pmt Date:    08/25/2005

   Advances:
     Aggregate Amount of P&I Advances for such Distribution Date:$1,038,526.54
   Summary of Disbursements         Withdrawel/
         Remittances        Residual  (Deposit)    P&I Distributed
     -------------------------------------------------------------
        $6,707,271.79          $0.00     $0.00    $6,707,271.79

    Extraordinary Trust  Fund Expenses withdrawn from the Collection     $0.00
    Account or Distribution Account for such Distribution Date:

Collateral Pool III - Weighted average of the Stripped Interest Rates    0.6296%

Collateral Pool I - Aggregate Amoount of Deferred Interest                  0.00

Collateral Pool I - Aggregate Amount of net Deferred Interest              $0.00

Loan level information (including data on REO, loans in foreclosure and
realized losses) is available on the Citimortgagembs.com website in the
payment and summary section of the CMLTI shelf
10
                               Citigroup Mortgage Loan Trust Inc.
                        Distribution Date Statement to Certificateholders
                                 Remic Pass-Through Certificate

Series Name: CMLTI 2005-01
Payment Date: 08/25/2005

DELINQUENCY  (1)
---------------------------------------------------------------------------------------------------------
                                                  Number of    Amount of Scheduled    Amount of Actual
                                                    loans              Balance              Balance
 Pool                              Item            #    PCT       Amount      PCT       Amount      PCT
---------------------------------------------------------------------------------------------------------
(2) 30-59 DAYS    3   1.35%    $955,722.32  1.25%    $953,129.21  1.25%
                                 (2) 60-89 Days    0   0.00%          $0.00  0.00%          $0.00  0.00%
                                  (2) 90 + DAYS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    8   3.23%  $2,127,777.12  2.50%  $2,127,777.12  2.50%
 3/1 Arms                        (2) 60-89 Days    2   0.81%    $828,000.00  0.97%    $828,000.00  0.97%
                                  (2) 90 + DAYS    1   0.40%    $450,500.00  0.53%    $450,500.00  0.53%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%

                        BANKRUPTCIES IN PROCESS    1   0.40%    $128,250.00  0.15%    $128,250.00  0.15%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    2   1.13%    $632,549.69  0.95%    $632,549.69  0.95%
 5/1 Arms                        (2) 60-89 Days    0   0.00%          $0.00  0.00%          $0.00  0.00%
                                  (2) 90 + DAYS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS   10   2.35%  $2,760,326.81  1.82%  $2,760,326.81  1.82%
 3/1 & 5/1 Ar                    (2) 60-89 Days    2   0.47%    $828,000.00  0.55%    $828,000.00  0.55%
                                  (2) 90 + DAYS    1   0.24%    $450,500.00  0.30%    $450,500.00  0.30%

                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        BANKRUPTCIES IN PROCESS    1   0.24%    $128,250.00  0.08%    $128,250.00  0.08%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    2   0.90%    $365,570.15  0.50%    $368,540.82  0.50%
 Seasoned                        (2) 60-89 Days    0   0.00%          $0.00  0.00%          $0.00  0.00%
                                  (2) 90 + DAYS    1   0.45%    $244,239.89  0.33%    $246,765.64  0.34%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.45%    $244,239.89  0.33%    $246,765.64  0.34%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
(1)  DETERMINED BY THE MBA METHOD.
            (2)  DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST.