<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 2005-02)
    ------------------------------------------------------------------------
               (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 2005-02
                 ----------------------------------------------

         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 2005-02
 Payment Date:         08/25/2005
 Issuer:               Citigroup Mortgage Loan Trust Inc.
 Record Date:          31-Jul-05
 Distribution Date:    25-Aug-05
 Distribution #:       3


 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>
       I-A1            Variable      4.33561%       4.35035%     $90,426,000.00    17307GQY7
                                                             -------------------
                                          Class A-I-1 Total      $90,426,000.00

      I-A2A            Variable      4.59450%       4.60193%    $367,509,000.00    17307GQZ4
      I-A2B            Variable      4.59450%       4.60193%     $42,933,000.00    17307GRA8
        I-R                 RES      4.60054%       0.00000%            $100.00    17307GRL4
                                                             -------------------
                                          Class A-I-2 Total     $410,442,100.00

       I-A3            Variable      4.96603%       4.96568%     $30,000,000.00    17307GRB6
      I-A3A            Variable      4.96603%       4.96568%    $219,057,000.00    17307GRC4
      I-A3B            Variable      4.96603%       4.96568%      $8,571,000.00    17307GRD2
                                                             -------------------
                                          Class A-I-3 Total     $257,628,000.00

       I-A4            Variable      5.14172%       5.14380%    $299,417,000.00    17307GRE0
                                                             -------------------
                                          Class A-I-4 Total     $299,417,000.00

      I-A5A            Variable      5.11323%       5.24674%    $164,585,000.00    17307GRF7
      I-A5B            Variable      5.11323%       5.24674%      $7,940,000.00    17307GRG5
                                                             -------------------
                                          Class A-I-5 Total     $172,525,000.00

    II-A1-1               Fixed      5.50000%       5.50000%     $32,545,000.00    17307GRM2
    II-A1-2               Fixed      6.00000%       6.00000%     $54,915,000.00    17307GRN0
     II-PO1      Principal Only      0.00000%       0.00000%        $173,204.00    17307GRS9
**   II-XS1       Interest Only      0.21319%       0.21426%     $28,424,361.96    17307GRQ3
       II-R                 RES      5.50000%       0.00000%            $100.00    17307GRX8
                                                             -------------------
                                         Class A-II-1 Total      $87,633,304.00

      II-A2               Fixed      5.50000%       5.50000%     $22,463,000.00    17307GRP5
     II-PO2      Principal Only      0.00000%       0.00000%      $1,092,701.00    17307GRT7
**   II-XS2       Interest Only      0.20648%       0.18792%      $5,985,532.13    17307GRR1
                                                             -------------------
                                         Class A-II-2 Total      $23,555,701.00

       I-B1            Variable      4.85937%       4.88220%     $23,811,000.00    17307GRH3
       I-B2            Variable      4.85937%       4.88220%     $10,940,000.00    17307GRJ9
       I-B3            Variable      4.85937%       4.88220%      $8,366,000.00    17307GRK6
       I-B4            Variable      4.85937%       4.88220%      $5,148,000.00    17307GRY6
       I-B5            Variable      4.85937%       4.88220%      $2,574,000.00    17307GRZ3
       I-B6            Variable      4.85937%       4.88220%      $5,792,568.51    17307GSA7
                                                             -------------------
                                          Class SUB-I Total      $56,631,568.51

      II-B1            Variable      5.74720%       5.74735%      $2,288,000.00    17307GRU4
      II-B2            Variable      5.74720%       5.74735%      $1,408,000.00    17307GRV2
      II-B3            Variable      5.74720%       5.74735%        $821,000.00    17307GRW0
      II-B4            Variable      5.74720%       5.74735%        $704,000.00    17307GSB5
      II-B5            Variable      5.74720%       5.74735%        $352,000.00    17307GSC3
      II-B6            Variable      5.74720%       5.74735%        $588,727.03    17307GSD1
                                                             -------------------
                                         Class SUB-II Total       $6,161,727.03

                                                             ===================
                                                              $1,404,420,400.54
** Denotes Notional Balance

</TABLE>


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


Series Name:  CMLTI 2005-02
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>
        I-A1     $302,391.16           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $302,391.16
             ----------------------------------------------------------------------------------------------------------------------
A-I-1 Total      $302,391.16           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $302,391.16

       I-A2A   $1,364,761.44           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,364,761.44
       I-A2B     $159,433.65           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $159,433.65
         I-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-I-2 Total    $1,524,195.09           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,524,195.09

        I-A3     $121,269.72           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $121,269.72
       I-A3A     $885,499.35           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $885,499.35
       I-A3B      $34,646.76           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $34,646.76
             ----------------------------------------------------------------------------------------------------------------------
A-I-3 Total    $1,041,415.83           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,041,415.83

        I-A4   $1,258,618.16           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,258,618.16
             ----------------------------------------------------------------------------------------------------------------------
A-I-4 Total    $1,258,618.16           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,258,618.16

       I-A5A     $687,745.74           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $687,745.74
       I-A5B      $33,178.61           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $33,178.61
             ----------------------------------------------------------------------------------------------------------------------
A-I-5 Total      $720,924.35           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $720,924.35

     II-A1-1     $148,388.20           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $148,388.20
     II-A1-2     $261,061.79           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $261,061.79
      II-PO1           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
      II-XS1       $4,768.67           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $4,768.67
        II-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-II-1 Total     $414,218.66           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $414,218.66

       II-A2     $100,201.64           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $100,201.64
      II-PO2           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
      II-XS2       $1,005.43           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $1,005.43
             ----------------------------------------------------------------------------------------------------------------------
A-II-2 Total     $101,207.07           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $101,207.07

        I-B1      $96,256.44           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $96,256.44
        I-B2      $44,225.17           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $44,225.17
        I-B3      $33,819.72           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $33,819.72
        I-B4      $20,810.89           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $20,810.89
        I-B5      $10,405.45           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $10,405.45
        I-B6      $23,416.56           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $23,416.56
             ----------------------------------------------------------------------------------------------------------------------
SUB-I Total      $228,934.23           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $228,934.23

       II-B1      $10,923.03           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $10,923.03
       II-B2       $6,721.87           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $6,721.87
       II-B3       $3,919.50           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,919.50
       II-B4       $3,360.93           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,360.93
       II-B5       $1,680.47           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $1,680.47
       II-B6       $2,810.61           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $2,810.61
             ----------------------------------------------------------------------------------------------------------------------
SUB-II Total      $29,416.41           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $29,416.41

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

       Total   $5,621,320.96           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $5,621,320.96
</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>
           I-A1 3.34407316                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-1 Total                                 $0.00                  $0.00               $0.00            $0.00

          I-A2A 3.71354563                      $0.00                  $0.00               $0.00            $0.00
          I-A2B 3.71354552                      $0.00                  $0.00               $0.00            $0.00
            I-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-2 Total                                 $0.00                  $0.00               $0.00            $0.00

           I-A3 4.04232400                      $0.00                  $0.00               $0.00            $0.00
          I-A3A 4.04232392                      $0.00                  $0.00               $0.00            $0.00
          I-A3B 4.04232412                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-3 Total                                 $0.00                  $0.00               $0.00            $0.00

           I-A4 4.20356279                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-4 Total                                 $0.00                  $0.00               $0.00            $0.00

          I-A5A 4.17866598                      $0.00                  $0.00               $0.00            $0.00
          I-A5B 4.17866625                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-5 Total                                 $0.00                  $0.00               $0.00            $0.00

        II-A1-1 4.55947765                      $0.00                  $0.00               $0.00            $0.00
        II-A1-2 4.75392497                      $0.00                  $0.00               $0.00            $0.00
         II-PO1 0.00000000                      $0.00                  $0.00               $0.00            $0.00
         II-XS1 0.16776700                      $0.00                  $0.00               $0.00            $0.00
           II-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   A-II-1 Total                                 $0.00                  $0.00               $0.00            $0.00

          II-A2 4.46074166                      $0.00                  $0.00               $0.00            $0.00
         II-PO2 0.00000000                      $0.00                  $0.00               $0.00            $0.00
         II-XS2 0.16797671                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   A-II-2 Total                                 $0.00                  $0.00               $0.00            $0.00

           I-B1 4.04251984                      $0.00                  $0.00               $0.00            $0.00
           I-B2 4.04252011                      $0.00                  $0.00               $0.00            $0.00
           I-B3 4.04251972                      $0.00                  $0.00               $0.00            $0.00
           I-B4 4.04251943                      $0.00                  $0.00               $0.00            $0.00
           I-B5 4.04252137                      $0.00                  $0.00               $0.00            $0.00
           I-B6 4.04251757                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    SUB-I Total                                 $0.00                  $0.00               $0.00            $0.00

          II-B1 4.77405157                      $0.00                  $0.00               $0.00            $0.00
          II-B2 4.77405540                      $0.00                  $0.00               $0.00            $0.00
          II-B3 4.77405603                      $0.00                  $0.00               $0.00            $0.00
          II-B4 4.77404830                      $0.00                  $0.00               $0.00            $0.00
          II-B5 4.77406250                      $0.00                  $0.00               $0.00            $0.00
          II-B6 4.77404613                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   SUB-II Total                                 $0.00                  $0.00               $0.00            $0.00


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

 </TABLE>

P Class Interest Paid, represents Prepayment Charges collected by the Master
Servicer or any Sub-Servicer in connection with the Principal Prepayment of
any of the Mortgage loans or servicer  Prepayment Charge Payment Amount.


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

Series Name: CMLTI  2005-02
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>
                 I-A1       $3,723,891.97               $0.00      $3,723,891.97    41.18165096            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-1 Total       $3,723,891.97               $0.00      $3,723,891.97                           0.00
                I-A2A       $7,690,860.07               $0.00      $7,690,860.07    20.92699790            0.00
                I-A2B         $898,458.80               $0.00        $898,458.80    20.92699788            0.00
                  I-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-2 Total       $8,589,318.87               $0.00      $8,589,318.87                           0.00
                 I-A3         $415,375.37               $0.00        $415,375.37    13.84584567            0.00
                I-A3A       $3,033,029.38               $0.00      $3,033,029.38    13.84584551            0.00
                I-A3B         $118,672.74               $0.00        $118,672.74    13.84584529            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-3 Total       $3,567,077.49               $0.00      $3,567,077.49                           0.00
                 I-A4       $4,595,522.17               $0.00      $4,595,522.17    15.34823397            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-4 Total       $4,595,522.17               $0.00      $4,595,522.17                           0.00
                I-A5A       $4,041,179.04               $0.00      $4,041,179.04    24.55375058            0.00
                I-A5B         $194,956.78               $0.00        $194,956.78    24.55375063            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-5 Total       $4,236,135.82               $0.00      $4,236,135.82                           0.00
              II-A1-1         $267,305.74               $0.00        $267,305.74     8.21341957            0.00
              II-A1-2       $1,226,669.12               $0.00      $1,226,669.12    22.33759665            0.00
               II-PO1             $369.88               $0.00            $369.88     2.13551650            0.00
               II-XS1                $.00               $0.00               $.00     0.00000000            0.00
                 II-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
         A-II-1 Total       $1,494,344.74               $0.00      $1,494,344.74                           0.00
                II-A2         $414,968.53               $0.00        $414,968.53    18.47342430            0.00
               II-PO2          $11,431.86               $0.00         $11,431.86    10.46202026            0.00
               II-XS2                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
         A-II-2 Total         $426,400.39               $0.00        $426,400.39                           0.00
                 I-B1          $20,665.57               $0.00         $20,665.57     0.86790013            0.00
                 I-B2           $9,494.83               $0.00          $9,494.83     0.86790037            0.00
                 I-B3           $7,260.85               $0.00          $7,260.85     0.86789983            0.00
                 I-B4           $4,467.95               $0.00          $4,467.95     0.86790016            0.00
                 I-B5           $2,233.97               $0.00          $2,233.97     0.86789821            0.00
                 I-B6           $5,027.37               $0.00          $5,027.37     0.86789996            0.00
           ----------------------------------------------------------------------------------------------------
          SUB-I Total          $49,150.54               $0.00         $49,150.54                           0.00
                II-B1           $3,672.50               $0.00          $3,672.50     1.60511364            0.00
                II-B2           $2,260.00               $0.00          $2,260.00     1.60511364            0.00
                II-B3           $1,317.80               $0.00          $1,317.80     1.60511571            0.00
                II-B4           $1,130.00               $0.00          $1,130.00     1.60511364            0.00
                II-B5             $565.00               $0.00            $565.00     1.60511364            0.00
                II-B6             $944.96               $0.00            $944.96     1.60509022            0.00
           ----------------------------------------------------------------------------------------------------
         SUB-II Total           $9,890.26               $0.00          $9,890.26                           0.00
          =====================================================================================================
                Total      $26,691,732.25               $0.00     $26,691,732.25                           0.00



</TABLE>


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

Series Name:    CMLTI 2005-02
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>
      I-A1  $83,695,063.37 $79,971,171.40    925.56414494    884.38249397  0.88438249 95.275186069%  95.072464206%  100.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-I-1 Tota  $83,695,063.37 $79,971,171.40                                             95.275186069%  95.072464206%  100.000000000%
     I-A2A $356,450,759.30$348,759,899.23    969.91028601    948.98328811  0.94898329 85.493128449%  85.413141542%   89.539813177%
     I-A2B  $41,641,158.30 $40,742,699.50    969.91028579    948.98328791  0.94898329  9.987446519%   9.978102318%   10.460186823%
       I-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-I-2 Tota $398,091,917.60$389,502,598.73                                             95.480574968%  95.391243861%  100.000000000%
      I-A3  $29,303,842.18 $28,888,466.81    976.79473933    962.94889367  0.96294889 11.121587072%  11.114856023%   11.644697005%
     I-A3A $213,973,725.26$210,940,695.88    976.79473954    962.94889403  0.96294889 81.208716658%  81.159567227%   85.028413060%
     I-A3B   $8,372,107.72  $8,253,434.98    976.79474040    962.94889511  0.96294890  3.177437430%   3.175514370%    3.326889934%
            -----------------------------------------------------------------------------------------------------------------------
A-I-3 Tota $251,649,675.16$248,082,597.67                                             95.507741160%  95.449937621%  100.000000000%
      I-A4 $293,742,277.96$289,146,755.79    981.04742870    965.69919474  0.96569919 95.521082218%  95.454229388%  100.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-I-4 Tota $293,742,277.96$289,146,755.79                                             95.521082218%  95.454229388%  100.000000000%
     I-A5A $161,403,839.91$157,362,660.87    980.67162809    956.11787751  0.95611788 91.126197821%  91.024146404%   95.397768439%
     I-A5B   $7,786,532.73  $7,591,575.95    980.67162846    956.11787783  0.95611788  4.396160105%   4.391236884%    4.602231560%
            -----------------------------------------------------------------------------------------------------------------------
A-I-5 Tota $169,190,372.64$164,954,236.82                                             95.522357927%  95.415383289%  100.000000000%
   II-A1-1  $32,375,607.57 $32,108,301.83    994.79513197    986.58171240  0.98658171 94.707300942%  94.671008053%  100.000000000%
   II-A1-2  $52,212,358.98 $50,985,689.86    950.78501284    928.44741619  0.92844742 94.503698794%  94.384172042%  100.000000000%
    II-PO1     $172,790.05    $172,420.17    997.61004365    995.47452715  0.99547453  0.000000000%   0.000000000%    0.000000000%
**  II-XS1  $26,841,902.00 $25,837,751.45    944.32733575    909.00022616  0.90900023  0.000000000%   0.000000000%    0.000000000%
      II-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-II-1 Tot  $84,760,756.60 $83,266,411.86                                                         %              %               %
     II-A2  $21,862,176.26 $21,447,207.73    973.25273828    954.77931398  0.95477931 94.403259532%  94.321584215%  100.000000000%
    II-PO2   $1,064,679.13  $1,053,247.27    974.35540921    963.89338895  0.96389339  0.000000000%   0.000000000%    0.000000000%
**  II-XS2   $5,843,244.16  $5,657,218.91    976.22801667    945.14886682  0.94514887  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-II-2 Tot  $22,926,855.39 $22,500,455.00                                             94.403259532%  94.321584215%  100.000000000%
      I-B1  $23,770,108.55 $23,749,442.98    998.28266557    997.41476544  0.99741477  1.897201682%   1.933769292%    0.000000000%
      I-B2  $10,921,212.36 $10,911,717.53    998.28266545    997.41476508  0.99741477  0.871672185%   0.888473228%    0.000000000%
      I-B3   $8,351,632.77  $8,344,371.92    998.28266436    997.41476452  0.99741476  0.666582220%   0.679430258%    0.000000000%
      I-B4   $5,139,159.16  $5,134,691.21    998.28266511    997.41476496  0.99741476  0.410179927%   0.418085939%    0.000000000%
      I-B5   $2,569,579.58  $2,567,345.61    998.28266511    997.41476690  0.99741477  0.205089963%   0.209042970%    0.000000000%
      I-B6   $5,782,620.74  $5,777,593.37    998.28266684    997.41476687  0.99741477  0.461537555%   0.470433460%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-I Tota  $56,534,313.16 $56,485,162.62                                              4.512263534%   4.599235150%    0.000000000%
     II-B1   $2,280,699.59  $2,277,027.09    996.80926136    995.20414773  0.99520415  2.025628256%   2.057429885%    0.000000000%
     II-B2   $1,403,507.44  $1,401,247.44    996.80926136    995.20414773  0.99520415  1.246540465%   1.266110698%    0.000000000%
     II-B3     $818,380.40    $817,062.60    996.80925700    995.20414129  0.99520414  0.726853492%   0.738264827%    0.000000000%
     II-B4     $701,753.72    $700,623.72    996.80926136    995.20414773  0.99520415  0.623270232%   0.633055349%    0.000000000%
     II-B5     $350,876.86    $350,311.86    996.80926136    995.20414773  0.99520415  0.311635116%   0.316527674%    0.000000000%
     II-B6     $586,848.56    $585,903.60    996.80926830    995.20417807  0.99520418  0.521215959%   0.529398873%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-II Tot   $6,142,066.57  $6,132,176.31                                              5.455143522%   5.540787309%    0.000000000%

            ======================================================================================================================
Total     1,366,733,298.45 1,340,041,566.20

PO Balance     $1,237,469.18    $1,225,667.44

Non PO Bal1,365,495,829.27 1,338,815,898.76
</TABLE>


<PAGE>  9

                                     Citigroup Mortgage Loan Trust Inc.
                                         DISTRIBUTION DATE STATEMENT
Series Name:  CMLTI 2005-02            REMIC PASS-THROUGH CERTIFICATE
Pmt Date:    08/25/2005

   Advances:
     Aggregate Amount of P&I Advances for such Distribution Date:$5,691,477.85
   Summary of Disbursements         Withdrawel/
         Remittances        Residual  (Deposit)    P&I Distributed
     -------------------------------------------------------------
       32,313,053.21           $0.00     $0.00   $32,313,053.21


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


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 2005-02
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   48   0.90%12,673,511.50    1.03% $12,696,097.62  1.03%
 Arms Total                      (2) 60-89 Days    5   0.09%    $866,604.03  0.07%    $869,831.33  0.07%
                                  (2) 90 + DAYS    2   0.04%    $276,143.73  0.02%    $277,489.16  0.02%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    2   0.04%    $346,882.39  0.03%    $348,140.10  0.03%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    5   1.10%    $797,296.66  0.95%    $799,325.06  0.95%
 3 Arms                          (2) 60-89 Days    1   0.22%    $149,793.97  0.18%    $150,425.47  0.18%
                                  (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   13   0.56%  $2,504,034.87  0.61%  $2,510,329.45  0.61%
 5 Arms                          (2) 60-89 Days    2   0.09%    $380,181.17  0.09%    $381,579.59  0.09%
                                  (2) 90 + DAYS    1   0.04%    $191,949.36  0.05%    $192,854.47  0.05%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.04%    $191,949.36  0.05%    $192,854.47  0.05%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS   16   1.13%  $3,208,031.90  1.23%  $3,215,784.78  1.24%
 7 Arms-1                        (2) 60-89 Days    2   0.14%    $336,628.89  0.13%    $337,826.27  0.13%
                                  (2) 90 + DAYS    1   0.07%     $84,194.37  0.03%     $84,634.69  0.03%

                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.07%    $154,933.03  0.06%    $155,285.63  0.06%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    7   1.26%  $4,005,699.70  1.32%  $4,009,964.56  1.32%
 7 Arms-2                        (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    7   1.24%  $2,158,448.37  1.25%  $2,160,693.77  1.25%
 10 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    5   0.63%    $424,575.94  0.38%    $425,396.63  0.38%
 Fixed Total                     (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    5   0.83%    $424,575.94  0.48%    $425,396.63  0.48%
 Fixed 1                         (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    0   0.00%          $0.00  0.00%          $0.00  0.00%
 Fixed 2                         (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
</TABLE>
            (1)  DETERMINED BY THE MBA METHOD.
            (2)  DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST.
[{"type": "8-K", "sequence": "1", "filename": "final_2005-02.txt", "secsgml_size_bytes": 45803}]
{"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": "051069591"}, "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 2005-02)
    ------------------------------------------------------------------------
               (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 2005-02
                 ----------------------------------------------

         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 2005-02
 Payment Date:         08/25/2005
 Issuer:               Citigroup Mortgage Loan Trust Inc.
 Record Date:          31-Jul-05
 Distribution Date:    25-Aug-05
 Distribution #:       3

 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 #
-----------------------------------------------------------------------------------------------
I-A1            Variable      4.33561%       4.35035%     $90,426,000.00    17307GQY7
                                                             -------------------
                                          Class A-I-1 Total      $90,426,000.00

      I-A2A            Variable      4.59450%       4.60193%    $367,509,000.00    17307GQZ4
      I-A2B            Variable      4.59450%       4.60193%     $42,933,000.00    17307GRA8
        I-R                 RES      4.60054%       0.00000%            $100.00    17307GRL4
                                                             -------------------
                                          Class A-I-2 Total     $410,442,100.00

       I-A3            Variable      4.96603%       4.96568%     $30,000,000.00    17307GRB6
      I-A3A            Variable      4.96603%       4.96568%    $219,057,000.00    17307GRC4
      I-A3B            Variable      4.96603%       4.96568%      $8,571,000.00    17307GRD2
                                                             -------------------
                                          Class A-I-3 Total     $257,628,000.00

       I-A4            Variable      5.14172%       5.14380%    $299,417,000.00    17307GRE0
                                                             -------------------
                                          Class A-I-4 Total     $299,417,000.00

      I-A5A            Variable      5.11323%       5.24674%    $164,585,000.00    17307GRF7
      I-A5B            Variable      5.11323%       5.24674%      $7,940,000.00    17307GRG5
                                                             -------------------
                                          Class A-I-5 Total     $172,525,000.00

    II-A1-1               Fixed      5.50000%       5.50000%     $32,545,000.00    17307GRM2
    II-A1-2               Fixed      6.00000%       6.00000%     $54,915,000.00    17307GRN0
     II-PO1      Principal Only      0.00000%       0.00000%        $173,204.00    17307GRS9
**   II-XS1       Interest Only      0.21319%       0.21426%     $28,424,361.96    17307GRQ3
       II-R                 RES      5.50000%       0.00000%            $100.00    17307GRX8
                                                             -------------------
                                         Class A-II-1 Total      $87,633,304.00

      II-A2               Fixed      5.50000%       5.50000%     $22,463,000.00    17307GRP5
     II-PO2      Principal Only      0.00000%       0.00000%      $1,092,701.00    17307GRT7
**   II-XS2       Interest Only      0.20648%       0.18792%      $5,985,532.13    17307GRR1
                                                             -------------------
                                         Class A-II-2 Total      $23,555,701.00

       I-B1            Variable      4.85937%       4.88220%     $23,811,000.00    17307GRH3
       I-B2            Variable      4.85937%       4.88220%     $10,940,000.00    17307GRJ9
       I-B3            Variable      4.85937%       4.88220%      $8,366,000.00    17307GRK6
       I-B4            Variable      4.85937%       4.88220%      $5,148,000.00    17307GRY6
       I-B5            Variable      4.85937%       4.88220%      $2,574,000.00    17307GRZ3
       I-B6            Variable      4.85937%       4.88220%      $5,792,568.51    17307GSA7
                                                             -------------------
                                          Class SUB-I Total      $56,631,568.51

      II-B1            Variable      5.74720%       5.74735%      $2,288,000.00    17307GRU4
      II-B2            Variable      5.74720%       5.74735%      $1,408,000.00    17307GRV2
      II-B3            Variable      5.74720%       5.74735%        $821,000.00    17307GRW0
      II-B4            Variable      5.74720%       5.74735%        $704,000.00    17307GSB5
      II-B5            Variable      5.74720%       5.74735%        $352,000.00    17307GSC3
      II-B6            Variable      5.74720%       5.74735%        $588,727.03    17307GSD1
                                                             -------------------
                                         Class SUB-II Total       $6,161,727.03

                                                             ===================
                                                              $1,404,420,400.54
** Denotes Notional Balance
6
                                    Citigroup Mortgage Loan Trust Inc.
                          Distribution Date Statement to Certificate Holders
                                      Remic Pass-Through Certificate

Series Name:  CMLTI 2005-02
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
-----------------------------------------------------------------------------------------------------------------------------------
I-A1     $302,391.16           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $302,391.16
             ----------------------------------------------------------------------------------------------------------------------
A-I-1 Total      $302,391.16           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $302,391.16

       I-A2A   $1,364,761.44           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,364,761.44
       I-A2B     $159,433.65           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $159,433.65
         I-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-I-2 Total    $1,524,195.09           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,524,195.09

        I-A3     $121,269.72           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $121,269.72
       I-A3A     $885,499.35           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $885,499.35
       I-A3B      $34,646.76           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $34,646.76
             ----------------------------------------------------------------------------------------------------------------------
A-I-3 Total    $1,041,415.83           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,041,415.83

        I-A4   $1,258,618.16           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,258,618.16
             ----------------------------------------------------------------------------------------------------------------------
A-I-4 Total    $1,258,618.16           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,258,618.16

       I-A5A     $687,745.74           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $687,745.74
       I-A5B      $33,178.61           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $33,178.61
             ----------------------------------------------------------------------------------------------------------------------
A-I-5 Total      $720,924.35           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $720,924.35

     II-A1-1     $148,388.20           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $148,388.20
     II-A1-2     $261,061.79           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $261,061.79
      II-PO1           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
      II-XS1       $4,768.67           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $4,768.67
        II-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-II-1 Total     $414,218.66           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $414,218.66

       II-A2     $100,201.64           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $100,201.64
      II-PO2           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
      II-XS2       $1,005.43           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $1,005.43
             ----------------------------------------------------------------------------------------------------------------------
A-II-2 Total     $101,207.07           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $101,207.07

        I-B1      $96,256.44           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $96,256.44
        I-B2      $44,225.17           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $44,225.17
        I-B3      $33,819.72           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $33,819.72
        I-B4      $20,810.89           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $20,810.89
        I-B5      $10,405.45           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $10,405.45
        I-B6      $23,416.56           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $23,416.56
             ----------------------------------------------------------------------------------------------------------------------
SUB-I Total      $228,934.23           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $228,934.23

       II-B1      $10,923.03           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $10,923.03
       II-B2       $6,721.87           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $6,721.87
       II-B3       $3,919.50           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,919.50
       II-B4       $3,360.93           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,360.93
       II-B5       $1,680.47           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $1,680.47
       II-B6       $2,810.61           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $2,810.61
             ----------------------------------------------------------------------------------------------------------------------
SUB-II Total      $29,416.41           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $29,416.41

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

       Total   $5,621,320.96           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $5,621,320.96
------------------------------------------------------------------------------------------------------------------
                     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
 ------------------------------------------------------------------------------------------------------------------
I-A1 3.34407316                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-1 Total                                 $0.00                  $0.00               $0.00            $0.00

          I-A2A 3.71354563                      $0.00                  $0.00               $0.00            $0.00
          I-A2B 3.71354552                      $0.00                  $0.00               $0.00            $0.00
            I-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-2 Total                                 $0.00                  $0.00               $0.00            $0.00

           I-A3 4.04232400                      $0.00                  $0.00               $0.00            $0.00
          I-A3A 4.04232392                      $0.00                  $0.00               $0.00            $0.00
          I-A3B 4.04232412                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-3 Total                                 $0.00                  $0.00               $0.00            $0.00

           I-A4 4.20356279                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-4 Total                                 $0.00                  $0.00               $0.00            $0.00

          I-A5A 4.17866598                      $0.00                  $0.00               $0.00            $0.00
          I-A5B 4.17866625                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-I-5 Total                                 $0.00                  $0.00               $0.00            $0.00

        II-A1-1 4.55947765                      $0.00                  $0.00               $0.00            $0.00
        II-A1-2 4.75392497                      $0.00                  $0.00               $0.00            $0.00
         II-PO1 0.00000000                      $0.00                  $0.00               $0.00            $0.00
         II-XS1 0.16776700                      $0.00                  $0.00               $0.00            $0.00
           II-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   A-II-1 Total                                 $0.00                  $0.00               $0.00            $0.00

          II-A2 4.46074166                      $0.00                  $0.00               $0.00            $0.00
         II-PO2 0.00000000                      $0.00                  $0.00               $0.00            $0.00
         II-XS2 0.16797671                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   A-II-2 Total                                 $0.00                  $0.00               $0.00            $0.00

           I-B1 4.04251984                      $0.00                  $0.00               $0.00            $0.00
           I-B2 4.04252011                      $0.00                  $0.00               $0.00            $0.00
           I-B3 4.04251972                      $0.00                  $0.00               $0.00            $0.00
           I-B4 4.04251943                      $0.00                  $0.00               $0.00            $0.00
           I-B5 4.04252137                      $0.00                  $0.00               $0.00            $0.00
           I-B6 4.04251757                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    SUB-I Total                                 $0.00                  $0.00               $0.00            $0.00

          II-B1 4.77405157                      $0.00                  $0.00               $0.00            $0.00
          II-B2 4.77405540                      $0.00                  $0.00               $0.00            $0.00
          II-B3 4.77405603                      $0.00                  $0.00               $0.00            $0.00
          II-B4 4.77404830                      $0.00                  $0.00               $0.00            $0.00
          II-B5 4.77406250                      $0.00                  $0.00               $0.00            $0.00
          II-B6 4.77404613                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   SUB-II Total                                 $0.00                  $0.00               $0.00            $0.00

                                   =================================================================================
       Total                                    $0.00                  $0.00               $0.00            $0.00
P Class Interest Paid, represents Prepayment Charges collected by the Master
Servicer or any Sub-Servicer in connection with the Principal Prepayment of
any of the Mortgage loans or servicer  Prepayment Charge Payment Amount.
7
                                   Citigroup Mortgage Loan Trust Inc.
                            Distribution Date Statement to Certificateholders
                                      Remic Pass-Through Certificate

Series Name: CMLTI  2005-02
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
---------------------------------------------------------------------------------------------------------------
I-A1       $3,723,891.97               $0.00      $3,723,891.97    41.18165096            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-1 Total       $3,723,891.97               $0.00      $3,723,891.97                           0.00
                I-A2A       $7,690,860.07               $0.00      $7,690,860.07    20.92699790            0.00
                I-A2B         $898,458.80               $0.00        $898,458.80    20.92699788            0.00
                  I-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-2 Total       $8,589,318.87               $0.00      $8,589,318.87                           0.00
                 I-A3         $415,375.37               $0.00        $415,375.37    13.84584567            0.00
                I-A3A       $3,033,029.38               $0.00      $3,033,029.38    13.84584551            0.00
                I-A3B         $118,672.74               $0.00        $118,672.74    13.84584529            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-3 Total       $3,567,077.49               $0.00      $3,567,077.49                           0.00
                 I-A4       $4,595,522.17               $0.00      $4,595,522.17    15.34823397            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-4 Total       $4,595,522.17               $0.00      $4,595,522.17                           0.00
                I-A5A       $4,041,179.04               $0.00      $4,041,179.04    24.55375058            0.00
                I-A5B         $194,956.78               $0.00        $194,956.78    24.55375063            0.00
           ----------------------------------------------------------------------------------------------------
          A-I-5 Total       $4,236,135.82               $0.00      $4,236,135.82                           0.00
              II-A1-1         $267,305.74               $0.00        $267,305.74     8.21341957            0.00
              II-A1-2       $1,226,669.12               $0.00      $1,226,669.12    22.33759665            0.00
               II-PO1             $369.88               $0.00            $369.88     2.13551650            0.00
               II-XS1                $.00               $0.00               $.00     0.00000000            0.00
                 II-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
         A-II-1 Total       $1,494,344.74               $0.00      $1,494,344.74                           0.00
                II-A2         $414,968.53               $0.00        $414,968.53    18.47342430            0.00
               II-PO2          $11,431.86               $0.00         $11,431.86    10.46202026            0.00
               II-XS2                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
         A-II-2 Total         $426,400.39               $0.00        $426,400.39                           0.00
                 I-B1          $20,665.57               $0.00         $20,665.57     0.86790013            0.00
                 I-B2           $9,494.83               $0.00          $9,494.83     0.86790037            0.00
                 I-B3           $7,260.85               $0.00          $7,260.85     0.86789983            0.00
                 I-B4           $4,467.95               $0.00          $4,467.95     0.86790016            0.00
                 I-B5           $2,233.97               $0.00          $2,233.97     0.86789821            0.00
                 I-B6           $5,027.37               $0.00          $5,027.37     0.86789996            0.00
           ----------------------------------------------------------------------------------------------------
          SUB-I Total          $49,150.54               $0.00         $49,150.54                           0.00
                II-B1           $3,672.50               $0.00          $3,672.50     1.60511364            0.00
                II-B2           $2,260.00               $0.00          $2,260.00     1.60511364            0.00
                II-B3           $1,317.80               $0.00          $1,317.80     1.60511571            0.00
                II-B4           $1,130.00               $0.00          $1,130.00     1.60511364            0.00
                II-B5             $565.00               $0.00            $565.00     1.60511364            0.00
                II-B6             $944.96               $0.00            $944.96     1.60509022            0.00
           ----------------------------------------------------------------------------------------------------
         SUB-II Total           $9,890.26               $0.00          $9,890.26                           0.00
          =====================================================================================================
                Total      $26,691,732.25               $0.00     $26,691,732.25                           0.00
8
                                 Citigroup Mortgage Loan Trust Inc.
                         Distribution Date Statement to Certificateholders
                                   Remic Pass-Through Certificate

Series Name:    CMLTI 2005-02
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
-----------------------------------------------------------------------------------------------------------------------------------
I-A1  $83,695,063.37 $79,971,171.40    925.56414494    884.38249397  0.88438249 95.275186069%  95.072464206%  100.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-I-1 Tota  $83,695,063.37 $79,971,171.40                                             95.275186069%  95.072464206%  100.000000000%
     I-A2A $356,450,759.30$348,759,899.23    969.91028601    948.98328811  0.94898329 85.493128449%  85.413141542%   89.539813177%
     I-A2B  $41,641,158.30 $40,742,699.50    969.91028579    948.98328791  0.94898329  9.987446519%   9.978102318%   10.460186823%
       I-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-I-2 Tota $398,091,917.60$389,502,598.73                                             95.480574968%  95.391243861%  100.000000000%
      I-A3  $29,303,842.18 $28,888,466.81    976.79473933    962.94889367  0.96294889 11.121587072%  11.114856023%   11.644697005%
     I-A3A $213,973,725.26$210,940,695.88    976.79473954    962.94889403  0.96294889 81.208716658%  81.159567227%   85.028413060%
     I-A3B   $8,372,107.72  $8,253,434.98    976.79474040    962.94889511  0.96294890  3.177437430%   3.175514370%    3.326889934%
            -----------------------------------------------------------------------------------------------------------------------
A-I-3 Tota $251,649,675.16$248,082,597.67                                             95.507741160%  95.449937621%  100.000000000%
      I-A4 $293,742,277.96$289,146,755.79    981.04742870    965.69919474  0.96569919 95.521082218%  95.454229388%  100.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-I-4 Tota $293,742,277.96$289,146,755.79                                             95.521082218%  95.454229388%  100.000000000%
     I-A5A $161,403,839.91$157,362,660.87    980.67162809    956.11787751  0.95611788 91.126197821%  91.024146404%   95.397768439%
     I-A5B   $7,786,532.73  $7,591,575.95    980.67162846    956.11787783  0.95611788  4.396160105%   4.391236884%    4.602231560%
            -----------------------------------------------------------------------------------------------------------------------
A-I-5 Tota $169,190,372.64$164,954,236.82                                             95.522357927%  95.415383289%  100.000000000%
   II-A1-1  $32,375,607.57 $32,108,301.83    994.79513197    986.58171240  0.98658171 94.707300942%  94.671008053%  100.000000000%
   II-A1-2  $52,212,358.98 $50,985,689.86    950.78501284    928.44741619  0.92844742 94.503698794%  94.384172042%  100.000000000%
    II-PO1     $172,790.05    $172,420.17    997.61004365    995.47452715  0.99547453  0.000000000%   0.000000000%    0.000000000%
**  II-XS1  $26,841,902.00 $25,837,751.45    944.32733575    909.00022616  0.90900023  0.000000000%   0.000000000%    0.000000000%
      II-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-II-1 Tot  $84,760,756.60 $83,266,411.86                                                         %              %               %
     II-A2  $21,862,176.26 $21,447,207.73    973.25273828    954.77931398  0.95477931 94.403259532%  94.321584215%  100.000000000%
    II-PO2   $1,064,679.13  $1,053,247.27    974.35540921    963.89338895  0.96389339  0.000000000%   0.000000000%    0.000000000%
**  II-XS2   $5,843,244.16  $5,657,218.91    976.22801667    945.14886682  0.94514887  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-II-2 Tot  $22,926,855.39 $22,500,455.00                                             94.403259532%  94.321584215%  100.000000000%
      I-B1  $23,770,108.55 $23,749,442.98    998.28266557    997.41476544  0.99741477  1.897201682%   1.933769292%    0.000000000%
      I-B2  $10,921,212.36 $10,911,717.53    998.28266545    997.41476508  0.99741477  0.871672185%   0.888473228%    0.000000000%
      I-B3   $8,351,632.77  $8,344,371.92    998.28266436    997.41476452  0.99741476  0.666582220%   0.679430258%    0.000000000%
      I-B4   $5,139,159.16  $5,134,691.21    998.28266511    997.41476496  0.99741476  0.410179927%   0.418085939%    0.000000000%
      I-B5   $2,569,579.58  $2,567,345.61    998.28266511    997.41476690  0.99741477  0.205089963%   0.209042970%    0.000000000%
      I-B6   $5,782,620.74  $5,777,593.37    998.28266684    997.41476687  0.99741477  0.461537555%   0.470433460%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-I Tota  $56,534,313.16 $56,485,162.62                                              4.512263534%   4.599235150%    0.000000000%
     II-B1   $2,280,699.59  $2,277,027.09    996.80926136    995.20414773  0.99520415  2.025628256%   2.057429885%    0.000000000%
     II-B2   $1,403,507.44  $1,401,247.44    996.80926136    995.20414773  0.99520415  1.246540465%   1.266110698%    0.000000000%
     II-B3     $818,380.40    $817,062.60    996.80925700    995.20414129  0.99520414  0.726853492%   0.738264827%    0.000000000%
     II-B4     $701,753.72    $700,623.72    996.80926136    995.20414773  0.99520415  0.623270232%   0.633055349%    0.000000000%
     II-B5     $350,876.86    $350,311.86    996.80926136    995.20414773  0.99520415  0.311635116%   0.316527674%    0.000000000%
     II-B6     $586,848.56    $585,903.60    996.80926830    995.20417807  0.99520418  0.521215959%   0.529398873%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-II Tot   $6,142,066.57  $6,132,176.31                                              5.455143522%   5.540787309%    0.000000000%

            ======================================================================================================================
Total     1,366,733,298.45 1,340,041,566.20

PO Balance     $1,237,469.18    $1,225,667.44

Non PO Bal1,365,495,829.27 1,338,815,898.76
9

                                     Citigroup Mortgage Loan Trust Inc.
                                         DISTRIBUTION DATE STATEMENT
Series Name:  CMLTI 2005-02            REMIC PASS-THROUGH CERTIFICATE
Pmt Date:    08/25/2005

   Advances:
     Aggregate Amount of P&I Advances for such Distribution Date:$5,691,477.85
   Summary of Disbursements         Withdrawel/
         Remittances        Residual  (Deposit)    P&I Distributed
     -------------------------------------------------------------
       32,313,053.21           $0.00     $0.00   $32,313,053.21

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

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 2005-02
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   48   0.90%12,673,511.50    1.03% $12,696,097.62  1.03%
 Arms Total                      (2) 60-89 Days    5   0.09%    $866,604.03  0.07%    $869,831.33  0.07%
                                  (2) 90 + DAYS    2   0.04%    $276,143.73  0.02%    $277,489.16  0.02%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    2   0.04%    $346,882.39  0.03%    $348,140.10  0.03%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    5   1.10%    $797,296.66  0.95%    $799,325.06  0.95%
 3 Arms                          (2) 60-89 Days    1   0.22%    $149,793.97  0.18%    $150,425.47  0.18%
                                  (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   13   0.56%  $2,504,034.87  0.61%  $2,510,329.45  0.61%
 5 Arms                          (2) 60-89 Days    2   0.09%    $380,181.17  0.09%    $381,579.59  0.09%
                                  (2) 90 + DAYS    1   0.04%    $191,949.36  0.05%    $192,854.47  0.05%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.04%    $191,949.36  0.05%    $192,854.47  0.05%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS   16   1.13%  $3,208,031.90  1.23%  $3,215,784.78  1.24%
 7 Arms-1                        (2) 60-89 Days    2   0.14%    $336,628.89  0.13%    $337,826.27  0.13%
                                  (2) 90 + DAYS    1   0.07%     $84,194.37  0.03%     $84,634.69  0.03%

                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.07%    $154,933.03  0.06%    $155,285.63  0.06%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    7   1.26%  $4,005,699.70  1.32%  $4,009,964.56  1.32%
 7 Arms-2                        (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    7   1.24%  $2,158,448.37  1.25%  $2,160,693.77  1.25%
 10 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    5   0.63%    $424,575.94  0.38%    $425,396.63  0.38%
 Fixed Total                     (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    5   0.83%    $424,575.94  0.48%    $425,396.63  0.48%
 Fixed 1                         (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    0   0.00%          $0.00  0.00%          $0.00  0.00%
 Fixed 2                         (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
(1)  DETERMINED BY THE MBA METHOD.
            (2)  DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST.