<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: September 26, 2005
                       ----------------------------------
                        (Date of earliest event reported)

                        CITIGROUP MORTGAGE LOAN TRUST, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates Series 2005-03)
    ------------------------------------------------------------------------
               (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 2005-03
                 ----------------------------------------------

         Attached as Exhibit I is the monthly servicing report for the month of
         August 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: September 26, 2005


                                       3


<PAGE>   4

                                  EXHIBIT INDEX


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

    I           monthly servicing report for August 2005              5



                                       4



<PAGE>   5

                                                                       EXHIBIT I
                                                                       ---------


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

 Series Name:          CMLTI 2005-03
 Payment Date:         09/26/2005
 Issuer:               Citigroup Mortgage Loan Trust Inc.
 Record Date:          31-Aug-05
 Distribution Date:    26-Sep-05
 Distribution #:       2


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

 Bond Administrator    CitiMortgage, Inc
                       Cathy Johnson (636) 261-1369

 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      5.23160%       5.33028%     $75,989,000.00    17307GTA6
       I-A2            Variable      5.23160%       5.33028%      $9,210,000.00    17307GTB4
        I-R            Variable      0.00000%       0.00000%            $100.00    17307GTF5
                                                             -------------------
                                            Class A-I Total      $85,199,100.00

      II-A1            Variable      4.53742%       4.58084%     $63,364,000.00    17307GTG3
      II-A2            Variable      4.71806%       4.72145%     $50,000,000.00    17307GTH1
     II-A2A            Variable      4.71806%       4.72145%    $292,485,000.00    17307GTJ7
     II-A2B            Variable      4.71806%       4.72145%     $73,121,000.00    17307GTK4
      II-A3            Variable      4.88076%       4.87845%     $86,157,000.00    17307GTL2
      II-A4            Variable      5.20561%       5.20494%     $57,016,000.00    17307GTM0
    II-A4A1            Variable      5.20561%       5.20494%     $61,767,000.00    17307GTY4
    II-A4B1            Variable      5.20561%       5.20494%      $1,402,000.00    17307GTZ1
    II-A4A2            Variable      5.20561%       5.20494%    $101,855,000.00    17307GUA4
    II-A4B2            Variable      5.20561%       5.20494%      $4,731,000.00    17307GUB2
       II-R            Variable      0.00000%       0.00000%            $100.00    17307GTR9
                                                             -------------------
                                           Class A-II Total     $791,898,100.00

     III-A1            Variable      3.45892%       3.69332%     $81,260,000.00    17307GTS7
     III-A2            Variable      3.45892%       3.69332%      $9,531,000.00    17307GTT5
      III-R            Variable      0.00000%       0.00000%            $100.00    17307GTX6
                                                             -------------------
                                          Class A-III Total      $90,791,100.00

       I-B1            Variable      5.23160%       5.33028%      $2,994,000.00    17307GTC2
       I-B2            Variable      5.23160%       5.33028%      $1,382,000.00    17307GTD0
       I-B3            Variable      5.23160%       5.33028%        $875,000.00    17307GTE8
       I-B4            Variable      5.23160%       5.33028%        $507,000.00    17307GUC0
       I-B5            Variable      5.23160%       5.33028%        $322,000.00    17307GUD8
       I-B6            Variable      5.23160%       5.33028%        $830,351.16    17307GUE6
                                                             -------------------
                                          Class SUB-I Total       $6,910,351.16

      II-B1            Variable      4.86094%       4.86577%     $19,022,000.00    17307GTN8
      II-B2            Variable      4.86094%       4.86577%      $5,789,000.00    17307GTP3
      II-B3            Variable      4.86094%       4.86577%      $3,722,000.00    17307GTQ1
      II-B4            Variable      4.86094%       4.86577%      $2,068,000.00    17307GUF3
      II-B5            Variable      4.86094%       4.86577%      $2,068,000.00    17307GUG1
      II-B6            Variable      4.86094%       4.86577%      $2,481,324.22    17307GUH9
                                                             -------------------
                                         Class SUB-II Total      $35,150,324.22

     III-B1            Variable      3.45892%       3.69332%      $2,192,000.00    17307GTU2
     III-B2            Variable      3.45892%       3.69332%        $906,000.00    17307GTV0
     III-B3            Variable      3.45892%       3.69332%        $572,000.00    17307GTW8
     III-B4            Variable      3.45892%       3.69332%        $238,000.00    17307GUJ5
     III-B5            Variable      3.45892%       3.69332%        $191,000.00    17307GUK2
     III-B6            Variable      3.45892%       3.69332%        $429,103.92    17307GUL0
                                                             -------------------
                                        Class SUB-III Total       $4,528,103.92

                                                             ===================
                                                              $1,014,477,079.30


</TABLE>


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


Series Name:  CMLTI 2005-03
Payment Date: 09/26/2005

<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     $319,416.79           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $319,416.79
        I-A2      $38,713.88           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $38,713.88
         I-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-I Total        $358,130.67           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $358,130.67

       II-A1     $234,418.49           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $234,418.49
       II-A2     $195,217.89           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $195,217.89
      II-A2A   $1,141,966.08           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,141,966.08
      II-A2B     $285,490.54           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $285,490.54
       II-A3     $346,616.70           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $346,616.70
       II-A4     $245,888.58           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $245,888.58
     II-A4A1     $266,377.86           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $266,377.86
     II-A4B1       $6,046.30           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $6,046.30
     II-A4A2     $439,262.34           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $439,262.34
     II-A4B2      $20,403.03           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $20,403.03
        II-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-II Total     $3,181,687.81           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $3,181,687.81

      III-A1     $219,607.89       $1,461.59        $0.00        $0.00         $0.00           $0.00           $0.00    $218,146.30
      III-A2      $25,757.85         $171.43        $0.00        $0.00         $0.00           $0.00           $0.00     $25,586.42
       III-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-III Total      $245,365.74       $1,633.02        $0.00        $0.00         $0.00           $0.00           $0.00    $243,732.72

        I-B1      $13,052.85           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $13,052.85
        I-B2       $6,025.06           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $6,025.06
        I-B3       $3,814.71           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,814.71
        I-B4       $2,210.35           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $2,210.35
        I-B5       $1,403.81           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $1,403.81
        I-B6       $3,620.06           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,620.06
             ----------------------------------------------------------------------------------------------------------------------
SUB-I Total       $30,126.84           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $30,126.84

       II-B1      $77,035.94           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $77,035.94
       II-B2      $23,444.49           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $23,444.49
       II-B3      $15,073.48           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $15,073.48
       II-B4       $8,375.06           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $8,375.06
       II-B5       $8,375.06           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $8,375.06
       II-B6      $10,048.95           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $10,048.95
             ----------------------------------------------------------------------------------------------------------------------
SUB-II Total     $142,352.98           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $142,352.98

      III-B1       $6,318.30          $42.05        $0.00        $0.00         $0.00           $0.00           $0.00      $6,276.25
      III-B2       $2,611.49          $17.38        $0.00        $0.00         $0.00           $0.00           $0.00      $2,594.11
      III-B3       $1,648.75          $10.97        $0.00        $0.00         $0.00           $0.00           $0.00      $1,637.78
      III-B4         $686.02           $4.57        $0.00        $0.00         $0.00           $0.00           $0.00        $681.45
      III-B5         $550.55           $3.66        $0.00        $0.00         $0.00           $0.00           $0.00        $546.89
      III-B6       $1,236.86           $8.23        $0.00        $0.00         $0.00           $0.00           $0.00      $1,228.63
             ----------------------------------------------------------------------------------------------------------------------
SUB-III           $13,051.97          $86.86        $0.00        $0.00         $0.00           $0.00           $0.00     $12,965.11
Total
             ======================================================================================================================

       Total   $3,970,716.01       $1,719.88        $0.00        $0.00         $0.00           $0.00           $0.00  $3,968,996.13
</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 4.20346090                      $0.00                  $0.00               $0.00            $0.00
           I-A2 4.20346145                      $0.00                  $0.00               $0.00            $0.00
            I-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
      A-I Total                                 $0.00                  $0.00               $0.00            $0.00

          II-A1 3.69955322                      $0.00                  $0.00               $0.00            $0.00
          II-A2 3.90435780                      $0.00                  $0.00               $0.00            $0.00
         II-A2A 3.90435776                      $0.00                  $0.00               $0.00            $0.00
         II-A2B 3.90435771                      $0.00                  $0.00               $0.00            $0.00
          II-A3 4.02308228                      $0.00                  $0.00               $0.00            $0.00
          II-A4 4.31262418                      $0.00                  $0.00               $0.00            $0.00
        II-A4A1 4.31262422                      $0.00                  $0.00               $0.00            $0.00
        II-A4B1 4.31262482                      $0.00                  $0.00               $0.00            $0.00
        II-A4A2 4.31262422                      $0.00                  $0.00               $0.00            $0.00
        II-A4B2 4.31262524                      $0.00                  $0.00               $0.00            $0.00
           II-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
     A-II Total                                 $0.00                  $0.00               $0.00            $0.00

         III-A1 2.68454713                      $0.00                  $0.00               $0.00            $0.00
         III-A2 2.68454727                      $0.00                  $0.00               $0.00            $0.00
          III-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-III Total                                 $0.00                  $0.00               $0.00            $0.00

           I-B1 4.35966934                      $0.00                  $0.00               $0.00            $0.00
           I-B2 4.35966715                      $0.00                  $0.00               $0.00            $0.00
           I-B3 4.35966857                      $0.00                  $0.00               $0.00            $0.00
           I-B4 4.35966469                      $0.00                  $0.00               $0.00            $0.00
           I-B5 4.35965839                      $0.00                  $0.00               $0.00            $0.00
           I-B6 4.35967356                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    SUB-I Total                                 $0.00                  $0.00               $0.00            $0.00

          II-B1 4.04983388                      $0.00                  $0.00               $0.00            $0.00
          II-B2 4.04983417                      $0.00                  $0.00               $0.00            $0.00
          II-B3 4.04983342                      $0.00                  $0.00               $0.00            $0.00
          II-B4 4.04983559                      $0.00                  $0.00               $0.00            $0.00
          II-B5 4.04983559                      $0.00                  $0.00               $0.00            $0.00
          II-B6 4.04983352                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   SUB-II Total                                 $0.00                  $0.00               $0.00            $0.00

         III-B1 2.86325274                      $0.00                  $0.00               $0.00            $0.00
         III-B2 2.86325607                      $0.00                  $0.00               $0.00            $0.00
         III-B3 2.86325175                      $0.00                  $0.00               $0.00            $0.00
         III-B4 2.86323529                      $0.00                  $0.00               $0.00            $0.00
         III-B5 2.86329843                      $0.00                  $0.00               $0.00            $0.00
         III-B6 2.86324581                      $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>

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  2005-03
Payment Date: 09/26/2005

<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       $3,646,518.41               $0.00      $3,646,518.41    47.98745095            0.00
                 I-A2         $441,964.42               $0.00        $441,964.42    47.98745060            0.00
                  I-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
            A-I Total       $4,088,482.83               $0.00      $4,088,482.83                           0.00
                II-A1       $2,981,680.50               $0.00      $2,981,680.50    47.05638059            0.00
                II-A2       $1,107,142.32               $0.00      $1,107,142.32    22.14284640            0.00
               II-A2A       $6,476,450.44               $0.00      $6,476,450.44    22.14284644            0.00
               II-A2B       $1,619,107.08               $0.00      $1,619,107.08    22.14284651            0.00
                II-A3       $1,812,106.22               $0.00      $1,812,106.22    21.03260582            0.00
                II-A4         $349,462.51               $0.00        $349,462.51     6.12920075            0.00
              II-A4A1         $378,582.34               $0.00        $378,582.34     6.12920071            0.00
              II-A4B1           $8,593.14               $0.00          $8,593.14     6.12920114            0.00
              II-A4A2         $624,289.75               $0.00        $624,289.75     6.12920082            0.00
              II-A4B2          $28,997.25               $0.00         $28,997.25     6.12920101            0.00
                 II-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
           A-II Total      $15,386,411.55               $0.00     $15,386,411.55                           0.00
               III-A1       $8,441,488.09               $0.00      $8,441,488.09   103.88245250            0.00
               III-A2         $990,103.65               $0.00        $990,103.65   103.88245200            0.00
                III-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
          A-III Total       $9,431,591.74               $0.00      $9,431,591.74                           0.00
                 I-B1                $.00               $0.00               $.00     0.00000000            0.00
                 I-B2                $.00               $0.00               $.00     0.00000000            0.00
                 I-B3                $.00               $0.00               $.00     0.00000000            0.00
                 I-B4                $.00               $0.00               $.00     0.00000000            0.00
                 I-B5                $.00               $0.00               $.00     0.00000000            0.00
                 I-B6                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
          SUB-I Total                $.00               $0.00               $.00                           0.00
                II-B1           $4,481.76               $0.00          $4,481.76     0.23560929            0.00
                II-B2           $1,363.94               $0.00          $1,363.94     0.23560891            0.00
                II-B3             $876.94               $0.00            $876.94     0.23560989            0.00
                II-B4             $487.24               $0.00            $487.24     0.23560928            0.00
                II-B5             $487.24               $0.00            $487.24     0.23560928            0.00
                II-B6             $584.62               $0.00            $584.62     0.23560807            0.00
           ----------------------------------------------------------------------------------------------------
         SUB-II Total           $8,281.74               $0.00          $8,281.74                           0.00
               III-B1                $.00               $0.00               $.00     0.00000000            0.00
               III-B2                $.00               $0.00               $.00     0.00000000            0.00
               III-B3                $.00               $0.00               $.00     0.00000000            0.00
               III-B4                $.00               $0.00               $.00     0.00000000            0.00
               III-B5                $.00               $0.00               $.00     0.00000000            0.00
               III-B6                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
        SUB-III Total                $.00               $0.00               $.00                           0.00
          =====================================================================================================
                Total      $28,914,767.86               $0.00     $28,914,767.86                           0.00



</TABLE>


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

Series Name:    CMLTI 2005-03
Payment Date:   09/26/2005

<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  $73,266,276.59 $69,619,758.18    964.16950598    916.18205503  0.91618206 82.269312790%  81.936303662%   89.190013967%
      I-A2   $8,880,001.15  $8,438,036.73    964.16950597    916.18205537  0.91618206  9.971184918%   9.930823632%   10.809986032%
       I-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-I Total   $82,146,277.74 $78,057,794.91                                             92.240497708%  91.867127294%  100.000000000%
     II-A1  $61,996,110.47 $59,014,429.97    978.41219730    931.35581671  0.93135582 95.663806196%  95.460777733%  100.000000000%
     II-A2  $49,652,091.76 $48,544,949.44    993.04183520    970.89898880  0.97089899 11.515964082%  11.504803585%   12.030625159%
    II-A2A $290,449,841.20$283,973,390.76    993.04183531    970.89898887  0.97089899 67.364935099%  67.299649537%   70.375547995%
    II-A2B  $72,612,212.04 $70,993,104.96    993.04183531    970.89898880  0.97089899 16.841176195%  16.824854859%   17.593826845%
     II-A3  $85,220,267.51 $83,408,161.29    989.12761018    968.09500435  0.96809500 95.706150027%  95.617484510%  100.000000000%
     II-A4  $56,682,317.39 $56,332,854.88    994.14756191    988.01836116  0.98801836 24.068133207%  24.061908410%   25.142544681%
   II-A4A1  $61,405,512.46 $61,026,930.12    994.14756197    988.01836126  0.98801836 26.073670266%  26.066926774%   27.237609747%
   II-A4B1   $1,393,794.88  $1,385,201.74    994.14756063    988.01835949  0.98801836  0.591825500%   0.591672434%    0.618244837%
   II-A4A2 $101,258,899.93$100,634,610.18    994.14756202    988.01836120  0.98801836 42.995996002%  42.984875846%   44.915355138%
   II-A4B2   $4,703,312.12  $4,674,314.87    994.14756288    988.01836187  0.98801836  1.997094470%   1.996577956%    2.086245595%
      II-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-II Total $785,374,359.76$769,987,948.21                                                         %              %               %
    III-A1  $76,188,325.22 $67,746,837.13    937.58706891    833.70461642  0.83370462 84.981751168%  84.450273907%   89.502263440%
    III-A2   $8,936,142.35  $7,946,038.70    937.58706851    833.70461651  0.83370462  9.967524859%   9.905187801%   10.497736559%
     III-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-III Tota  $85,124,467.57 $75,692,875.83                                             94.949276027%  94.355461708%  100.000000000%
      I-B1   $2,994,000.00  $2,994,000.00  1,000.00000000  1,000.00000000  1.00000000  3.361905831%   3.523673445%    0.000000000%
      I-B2   $1,382,000.00  $1,382,000.00  1,000.00000000  1,000.00000000  1.00000000  1.551821596%   1.626491884%    0.000000000%
      I-B3     $875,000.00    $875,000.00  1,000.00000000  1,000.00000000  1.00000000  0.982520909%   1.029797683%    0.000000000%
      I-B4     $507,000.00    $507,000.00  1,000.00000000  1,000.00000000  1.00000000  0.569300686%   0.596694200%    0.000000000%
      I-B5     $322,000.00    $322,000.00  1,000.00000000  1,000.00000000  1.00000000  0.361567694%   0.378965547%    0.000000000%
      I-B6     $830,351.16    $830,351.16  1,000.00000000  1,000.00000000  1.00000000  0.932385573%   0.977249944%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-I Tota   $6,910,351.16  $6,910,351.16                                              7.759502291%   8.132872705%    0.000000000%
     II-B1  $19,017,538.69 $19,013,056.93    999.76546578    999.52985648  0.99952986  2.317752303%   2.361513275%    0.000000000%
     II-B2   $5,787,642.28  $5,786,278.34    999.76546554    999.52985662  0.99952986  0.705365791%   0.718683648%    0.000000000%
     II-B3   $3,721,127.06  $3,720,250.12    999.76546480    999.52985492  0.99952985  0.453510359%   0.462072989%    0.000000000%
     II-B4   $2,067,514.98  $2,067,027.74    999.76546422    999.52985493  0.99952985  0.251977276%   0.256734804%    0.000000000%
     II-B5   $2,067,514.98  $2,067,027.74    999.76546422    999.52985493  0.99952985  0.251977276%   0.256734804%    0.000000000%
     II-B6   $2,480,742.27  $2,480,157.65    999.76546797    999.52985991  0.99952986  0.302339130%   0.308047529%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-II Tot  $35,142,080.26 $35,133,798.52                                              4.282922138%   4.363787049%    0.000000000%
    III-B1   $2,192,000.00  $2,192,000.00  1,000.00000000  1,000.00000000  1.00000000  2.444994006%   2.732452292%    0.000000000%
    III-B2     $906,000.00    $906,000.00  1,000.00000000  1,000.00000000  1.00000000  1.010567778%   1.129380372%    0.000000000%
    III-B3     $572,000.00    $572,000.00  1,000.00000000  1,000.00000000  1.00000000  0.638018509%   0.713030433%    0.000000000%
    III-B4     $238,000.00    $238,000.00  1,000.00000000  1,000.00000000  1.00000000  0.265469239%   0.296680495%    0.000000000%
    III-B5     $191,000.00    $191,000.00  1,000.00000000  1,000.00000000  1.00000000  0.213044642%   0.238092330%    0.000000000%
    III-B6     $429,103.92    $429,103.92  1,000.00000000  1,000.00000000  1.00000000  0.478629796%   0.534902367%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-III To   $4,528,103.92  $4,528,103.92                                              5.050723972%   5.644538291%    0.000000000%

            ======================================================================================================================
Total        $999,225,640.41  $970,310,872.55

PO Balance              $.00             $.00

Non PO Bal   $999,225,640.41  $970,310,872.55
</TABLE>


<PAGE>  9

                                     Citigroup Mortgage Loan Trust Inc.
                                         DISTRIBUTION DATE STATEMENT
Series Name:  CMLTI 2005-03            REMIC PASS-THROUGH CERTIFICATE
Pmt Date:    09/26/2005

   Advances:
     Aggregate Amount of P&I Advances for such Distribution Date:$3,015,654.97
   Summary of Disbursements         Withdrawel/
         Remittances        Residual  (Deposit)    P&I Distributed
     -------------------------------------------------------------
       32,883,763.99           $0.00     $0.00   $32,883,763.99


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

Collateral Pool I - Aggregate Amoount of Deferred Interest             98,395.50

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 2005-03
Payment Date: 09/26/2005

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   17   0.74%  $6,087,644.25  0.63%  $6,088,657.84  0.63%
                                 (2) 60-89 Days    2   0.09%    $265,028.19  0.03%    $266,036.26  0.03%
                                  (2) 90 + DAYS    2   0.09%    $256,276.14  0.03%    $256,997.14  0.03%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.04%    $113,276.14  0.01%    $113,997.14  0.01%
                        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%
 1Mo_Libor_Ar                    (2) 60-89 Days    0   0.00%          $0.00  0.00%          $0.00  0.00%
                                  (2) 90 + DAYS    1   0.43%    $143,000.00  0.17%    $143,000.00  0.17%
                 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%
 3 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    9   1.18%  $3,427,981.41  0.81%  $3,428,457.78  0.81%
 5 Arms-1                        (2) 60-89 Days    1   0.13%     $75,004.53  0.02%     $75,307.20  0.02%
                                  (2) 90 + DAYS    1   0.13%    $113,276.14  0.03%    $113,997.14  0.03%

                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.13%    $113,276.14  0.03%    $113,997.14  0.03%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    2   0.53%    $390,006.95  0.45%    $390,544.17  0.45%
 5 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    4   0.72%  $1,832,000.00  0.78%  $1,832,000.00  0.78%
 7 Arms                          (2) 60-89 Days    1   0.18%    $190,023.66  0.08%    $190,729.06  0.08%
                                  (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   15   0.82%  $5,649,988.36  0.70%  $5,651,001.95  0.70%
 Arms Total                      (2) 60-89 Days    2   0.11%    $265,028.19  0.03%    $266,036.26  0.03%
                                  (2) 90 + DAYS    1   0.05%    $113,276.14  0.01%    $113,997.14  0.01%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.05%    $113,276.14  0.01%    $113,997.14  0.01%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    2   0.94%    $437,655.89  0.55%    $437,655.89  0.55%
 6Mo_Libor_Ar                    (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_2005-03.txt", "secsgml_size_bytes": 44729}]
{"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": "051113112"}, "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: September 26, 2005
                       ----------------------------------
                        (Date of earliest event reported)

                        CITIGROUP MORTGAGE LOAN TRUST, INC.
                             (Packager and Servicer)
    (Issuer in Respect of the REMIC Pass-Through Certificates Series 2005-03)
    ------------------------------------------------------------------------
               (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 2005-03
                 ----------------------------------------------

         Attached as Exhibit I is the monthly servicing report for the month of
         August 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: September 26, 2005

                                       3
4

                                  EXHIBIT INDEX

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

    I           monthly servicing report for August 2005              5

                                       4
5

                                                                       EXHIBIT I
                                                                       ---------

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

 Series Name:          CMLTI 2005-03
 Payment Date:         09/26/2005
 Issuer:               Citigroup Mortgage Loan Trust Inc.
 Record Date:          31-Aug-05
 Distribution Date:    26-Sep-05
 Distribution #:       2

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

 Bond Administrator    CitiMortgage, Inc
                       Cathy Johnson (636) 261-1369

 Paying Agent:         Citibank N.A.
                       Karen Schluter (212) 816-5827
-----------------------------------------------------------------------------------------------
                                                      Next
                                       Current     Succeeding
     Class          Coupon Type        Coupon        Coupon          Original Par  CUSIP #
-----------------------------------------------------------------------------------------------
I-A1            Variable      5.23160%       5.33028%     $75,989,000.00    17307GTA6
       I-A2            Variable      5.23160%       5.33028%      $9,210,000.00    17307GTB4
        I-R            Variable      0.00000%       0.00000%            $100.00    17307GTF5
                                                             -------------------
                                            Class A-I Total      $85,199,100.00

      II-A1            Variable      4.53742%       4.58084%     $63,364,000.00    17307GTG3
      II-A2            Variable      4.71806%       4.72145%     $50,000,000.00    17307GTH1
     II-A2A            Variable      4.71806%       4.72145%    $292,485,000.00    17307GTJ7
     II-A2B            Variable      4.71806%       4.72145%     $73,121,000.00    17307GTK4
      II-A3            Variable      4.88076%       4.87845%     $86,157,000.00    17307GTL2
      II-A4            Variable      5.20561%       5.20494%     $57,016,000.00    17307GTM0
    II-A4A1            Variable      5.20561%       5.20494%     $61,767,000.00    17307GTY4
    II-A4B1            Variable      5.20561%       5.20494%      $1,402,000.00    17307GTZ1
    II-A4A2            Variable      5.20561%       5.20494%    $101,855,000.00    17307GUA4
    II-A4B2            Variable      5.20561%       5.20494%      $4,731,000.00    17307GUB2
       II-R            Variable      0.00000%       0.00000%            $100.00    17307GTR9
                                                             -------------------
                                           Class A-II Total     $791,898,100.00

     III-A1            Variable      3.45892%       3.69332%     $81,260,000.00    17307GTS7
     III-A2            Variable      3.45892%       3.69332%      $9,531,000.00    17307GTT5
      III-R            Variable      0.00000%       0.00000%            $100.00    17307GTX6
                                                             -------------------
                                          Class A-III Total      $90,791,100.00

       I-B1            Variable      5.23160%       5.33028%      $2,994,000.00    17307GTC2
       I-B2            Variable      5.23160%       5.33028%      $1,382,000.00    17307GTD0
       I-B3            Variable      5.23160%       5.33028%        $875,000.00    17307GTE8
       I-B4            Variable      5.23160%       5.33028%        $507,000.00    17307GUC0
       I-B5            Variable      5.23160%       5.33028%        $322,000.00    17307GUD8
       I-B6            Variable      5.23160%       5.33028%        $830,351.16    17307GUE6
                                                             -------------------
                                          Class SUB-I Total       $6,910,351.16

      II-B1            Variable      4.86094%       4.86577%     $19,022,000.00    17307GTN8
      II-B2            Variable      4.86094%       4.86577%      $5,789,000.00    17307GTP3
      II-B3            Variable      4.86094%       4.86577%      $3,722,000.00    17307GTQ1
      II-B4            Variable      4.86094%       4.86577%      $2,068,000.00    17307GUF3
      II-B5            Variable      4.86094%       4.86577%      $2,068,000.00    17307GUG1
      II-B6            Variable      4.86094%       4.86577%      $2,481,324.22    17307GUH9
                                                             -------------------
                                         Class SUB-II Total      $35,150,324.22

     III-B1            Variable      3.45892%       3.69332%      $2,192,000.00    17307GTU2
     III-B2            Variable      3.45892%       3.69332%        $906,000.00    17307GTV0
     III-B3            Variable      3.45892%       3.69332%        $572,000.00    17307GTW8
     III-B4            Variable      3.45892%       3.69332%        $238,000.00    17307GUJ5
     III-B5            Variable      3.45892%       3.69332%        $191,000.00    17307GUK2
     III-B6            Variable      3.45892%       3.69332%        $429,103.92    17307GUL0
                                                             -------------------
                                        Class SUB-III Total       $4,528,103.92

                                                             ===================
                                                              $1,014,477,079.30
6
                                    Citigroup Mortgage Loan Trust Inc.
                          Distribution Date Statement to Certificate Holders
                                      Remic Pass-Through Certificate

Series Name:  CMLTI 2005-03
Payment Date: 09/26/2005
-----------------------------------------------------------------------------------------------------------------------------------
                              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     $319,416.79           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $319,416.79
        I-A2      $38,713.88           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $38,713.88
         I-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-I Total        $358,130.67           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $358,130.67

       II-A1     $234,418.49           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $234,418.49
       II-A2     $195,217.89           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $195,217.89
      II-A2A   $1,141,966.08           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $1,141,966.08
      II-A2B     $285,490.54           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $285,490.54
       II-A3     $346,616.70           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $346,616.70
       II-A4     $245,888.58           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $245,888.58
     II-A4A1     $266,377.86           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $266,377.86
     II-A4B1       $6,046.30           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $6,046.30
     II-A4A2     $439,262.34           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $439,262.34
     II-A4B2      $20,403.03           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $20,403.03
        II-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-II Total     $3,181,687.81           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00  $3,181,687.81

      III-A1     $219,607.89       $1,461.59        $0.00        $0.00         $0.00           $0.00           $0.00    $218,146.30
      III-A2      $25,757.85         $171.43        $0.00        $0.00         $0.00           $0.00           $0.00     $25,586.42
       III-R           $0.00           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00          $0.00
             ----------------------------------------------------------------------------------------------------------------------
A-III Total      $245,365.74       $1,633.02        $0.00        $0.00         $0.00           $0.00           $0.00    $243,732.72

        I-B1      $13,052.85           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $13,052.85
        I-B2       $6,025.06           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $6,025.06
        I-B3       $3,814.71           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,814.71
        I-B4       $2,210.35           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $2,210.35
        I-B5       $1,403.81           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $1,403.81
        I-B6       $3,620.06           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $3,620.06
             ----------------------------------------------------------------------------------------------------------------------
SUB-I Total       $30,126.84           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $30,126.84

       II-B1      $77,035.94           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $77,035.94
       II-B2      $23,444.49           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $23,444.49
       II-B3      $15,073.48           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $15,073.48
       II-B4       $8,375.06           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $8,375.06
       II-B5       $8,375.06           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00      $8,375.06
       II-B6      $10,048.95           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00     $10,048.95
             ----------------------------------------------------------------------------------------------------------------------
SUB-II Total     $142,352.98           $0.00        $0.00        $0.00         $0.00           $0.00           $0.00    $142,352.98

      III-B1       $6,318.30          $42.05        $0.00        $0.00         $0.00           $0.00           $0.00      $6,276.25
      III-B2       $2,611.49          $17.38        $0.00        $0.00         $0.00           $0.00           $0.00      $2,594.11
      III-B3       $1,648.75          $10.97        $0.00        $0.00         $0.00           $0.00           $0.00      $1,637.78
      III-B4         $686.02           $4.57        $0.00        $0.00         $0.00           $0.00           $0.00        $681.45
      III-B5         $550.55           $3.66        $0.00        $0.00         $0.00           $0.00           $0.00        $546.89
      III-B6       $1,236.86           $8.23        $0.00        $0.00         $0.00           $0.00           $0.00      $1,228.63
             ----------------------------------------------------------------------------------------------------------------------
SUB-III           $13,051.97          $86.86        $0.00        $0.00         $0.00           $0.00           $0.00     $12,965.11
Total
             ======================================================================================================================

       Total   $3,970,716.01       $1,719.88        $0.00        $0.00         $0.00           $0.00           $0.00  $3,968,996.13
------------------------------------------------------------------------------------------------------------------
                     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 4.20346090                      $0.00                  $0.00               $0.00            $0.00
           I-A2 4.20346145                      $0.00                  $0.00               $0.00            $0.00
            I-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
      A-I Total                                 $0.00                  $0.00               $0.00            $0.00

          II-A1 3.69955322                      $0.00                  $0.00               $0.00            $0.00
          II-A2 3.90435780                      $0.00                  $0.00               $0.00            $0.00
         II-A2A 3.90435776                      $0.00                  $0.00               $0.00            $0.00
         II-A2B 3.90435771                      $0.00                  $0.00               $0.00            $0.00
          II-A3 4.02308228                      $0.00                  $0.00               $0.00            $0.00
          II-A4 4.31262418                      $0.00                  $0.00               $0.00            $0.00
        II-A4A1 4.31262422                      $0.00                  $0.00               $0.00            $0.00
        II-A4B1 4.31262482                      $0.00                  $0.00               $0.00            $0.00
        II-A4A2 4.31262422                      $0.00                  $0.00               $0.00            $0.00
        II-A4B2 4.31262524                      $0.00                  $0.00               $0.00            $0.00
           II-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
     A-II Total                                 $0.00                  $0.00               $0.00            $0.00

         III-A1 2.68454713                      $0.00                  $0.00               $0.00            $0.00
         III-A2 2.68454727                      $0.00                  $0.00               $0.00            $0.00
          III-R 0.00000000                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    A-III Total                                 $0.00                  $0.00               $0.00            $0.00

           I-B1 4.35966934                      $0.00                  $0.00               $0.00            $0.00
           I-B2 4.35966715                      $0.00                  $0.00               $0.00            $0.00
           I-B3 4.35966857                      $0.00                  $0.00               $0.00            $0.00
           I-B4 4.35966469                      $0.00                  $0.00               $0.00            $0.00
           I-B5 4.35965839                      $0.00                  $0.00               $0.00            $0.00
           I-B6 4.35967356                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
    SUB-I Total                                 $0.00                  $0.00               $0.00            $0.00

          II-B1 4.04983388                      $0.00                  $0.00               $0.00            $0.00
          II-B2 4.04983417                      $0.00                  $0.00               $0.00            $0.00
          II-B3 4.04983342                      $0.00                  $0.00               $0.00            $0.00
          II-B4 4.04983559                      $0.00                  $0.00               $0.00            $0.00
          II-B5 4.04983559                      $0.00                  $0.00               $0.00            $0.00
          II-B6 4.04983352                      $0.00                  $0.00               $0.00            $0.00
                                   -------------------------------------------------------------------------------
   SUB-II Total                                 $0.00                  $0.00               $0.00            $0.00

         III-B1 2.86325274                      $0.00                  $0.00               $0.00            $0.00
         III-B2 2.86325607                      $0.00                  $0.00               $0.00            $0.00
         III-B3 2.86325175                      $0.00                  $0.00               $0.00            $0.00
         III-B4 2.86323529                      $0.00                  $0.00               $0.00            $0.00
         III-B5 2.86329843                      $0.00                  $0.00               $0.00            $0.00
         III-B6 2.86324581                      $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
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  2005-03
Payment Date: 09/26/2005
---------------------------------------------------------------------------------------------------------------
                                             Certificate
                                             Reductions
                                             not part of                          Principal
                                            distributions                            Paid          Cumulative
                           Principal          to reduce          Principal           Per           Principal
         CLASS                Due           Stated Amount          Paid           Certificate         Loss
---------------------------------------------------------------------------------------------------------------
I-A1       $3,646,518.41               $0.00      $3,646,518.41    47.98745095            0.00
                 I-A2         $441,964.42               $0.00        $441,964.42    47.98745060            0.00
                  I-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
            A-I Total       $4,088,482.83               $0.00      $4,088,482.83                           0.00
                II-A1       $2,981,680.50               $0.00      $2,981,680.50    47.05638059            0.00
                II-A2       $1,107,142.32               $0.00      $1,107,142.32    22.14284640            0.00
               II-A2A       $6,476,450.44               $0.00      $6,476,450.44    22.14284644            0.00
               II-A2B       $1,619,107.08               $0.00      $1,619,107.08    22.14284651            0.00
                II-A3       $1,812,106.22               $0.00      $1,812,106.22    21.03260582            0.00
                II-A4         $349,462.51               $0.00        $349,462.51     6.12920075            0.00
              II-A4A1         $378,582.34               $0.00        $378,582.34     6.12920071            0.00
              II-A4B1           $8,593.14               $0.00          $8,593.14     6.12920114            0.00
              II-A4A2         $624,289.75               $0.00        $624,289.75     6.12920082            0.00
              II-A4B2          $28,997.25               $0.00         $28,997.25     6.12920101            0.00
                 II-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
           A-II Total      $15,386,411.55               $0.00     $15,386,411.55                           0.00
               III-A1       $8,441,488.09               $0.00      $8,441,488.09   103.88245250            0.00
               III-A2         $990,103.65               $0.00        $990,103.65   103.88245200            0.00
                III-R                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
          A-III Total       $9,431,591.74               $0.00      $9,431,591.74                           0.00
                 I-B1                $.00               $0.00               $.00     0.00000000            0.00
                 I-B2                $.00               $0.00               $.00     0.00000000            0.00
                 I-B3                $.00               $0.00               $.00     0.00000000            0.00
                 I-B4                $.00               $0.00               $.00     0.00000000            0.00
                 I-B5                $.00               $0.00               $.00     0.00000000            0.00
                 I-B6                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
          SUB-I Total                $.00               $0.00               $.00                           0.00
                II-B1           $4,481.76               $0.00          $4,481.76     0.23560929            0.00
                II-B2           $1,363.94               $0.00          $1,363.94     0.23560891            0.00
                II-B3             $876.94               $0.00            $876.94     0.23560989            0.00
                II-B4             $487.24               $0.00            $487.24     0.23560928            0.00
                II-B5             $487.24               $0.00            $487.24     0.23560928            0.00
                II-B6             $584.62               $0.00            $584.62     0.23560807            0.00
           ----------------------------------------------------------------------------------------------------
         SUB-II Total           $8,281.74               $0.00          $8,281.74                           0.00
               III-B1                $.00               $0.00               $.00     0.00000000            0.00
               III-B2                $.00               $0.00               $.00     0.00000000            0.00
               III-B3                $.00               $0.00               $.00     0.00000000            0.00
               III-B4                $.00               $0.00               $.00     0.00000000            0.00
               III-B5                $.00               $0.00               $.00     0.00000000            0.00
               III-B6                $.00               $0.00               $.00     0.00000000            0.00
           ----------------------------------------------------------------------------------------------------
        SUB-III Total                $.00               $0.00               $.00                           0.00
          =====================================================================================================
                Total      $28,914,767.86               $0.00     $28,914,767.86                           0.00
8
                                 Citigroup Mortgage Loan Trust Inc.
                         Distribution Date Statement to Certificateholders
                                   Remic Pass-Through Certificate

Series Name:    CMLTI 2005-03
Payment Date:   09/26/2005
-----------------------------------------------------------------------------------------------------------------------------------
  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  $73,266,276.59 $69,619,758.18    964.16950598    916.18205503  0.91618206 82.269312790%  81.936303662%   89.190013967%
      I-A2   $8,880,001.15  $8,438,036.73    964.16950597    916.18205537  0.91618206  9.971184918%   9.930823632%   10.809986032%
       I-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-I Total   $82,146,277.74 $78,057,794.91                                             92.240497708%  91.867127294%  100.000000000%
     II-A1  $61,996,110.47 $59,014,429.97    978.41219730    931.35581671  0.93135582 95.663806196%  95.460777733%  100.000000000%
     II-A2  $49,652,091.76 $48,544,949.44    993.04183520    970.89898880  0.97089899 11.515964082%  11.504803585%   12.030625159%
    II-A2A $290,449,841.20$283,973,390.76    993.04183531    970.89898887  0.97089899 67.364935099%  67.299649537%   70.375547995%
    II-A2B  $72,612,212.04 $70,993,104.96    993.04183531    970.89898880  0.97089899 16.841176195%  16.824854859%   17.593826845%
     II-A3  $85,220,267.51 $83,408,161.29    989.12761018    968.09500435  0.96809500 95.706150027%  95.617484510%  100.000000000%
     II-A4  $56,682,317.39 $56,332,854.88    994.14756191    988.01836116  0.98801836 24.068133207%  24.061908410%   25.142544681%
   II-A4A1  $61,405,512.46 $61,026,930.12    994.14756197    988.01836126  0.98801836 26.073670266%  26.066926774%   27.237609747%
   II-A4B1   $1,393,794.88  $1,385,201.74    994.14756063    988.01835949  0.98801836  0.591825500%   0.591672434%    0.618244837%
   II-A4A2 $101,258,899.93$100,634,610.18    994.14756202    988.01836120  0.98801836 42.995996002%  42.984875846%   44.915355138%
   II-A4B2   $4,703,312.12  $4,674,314.87    994.14756288    988.01836187  0.98801836  1.997094470%   1.996577956%    2.086245595%
      II-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-II Total $785,374,359.76$769,987,948.21                                                         %              %               %
    III-A1  $76,188,325.22 $67,746,837.13    937.58706891    833.70461642  0.83370462 84.981751168%  84.450273907%   89.502263440%
    III-A2   $8,936,142.35  $7,946,038.70    937.58706851    833.70461651  0.83370462  9.967524859%   9.905187801%   10.497736559%
     III-R            $.00           $.00      0.00000000      0.00000000  0.00000000  0.000000000%   0.000000000%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
A-III Tota  $85,124,467.57 $75,692,875.83                                             94.949276027%  94.355461708%  100.000000000%
      I-B1   $2,994,000.00  $2,994,000.00  1,000.00000000  1,000.00000000  1.00000000  3.361905831%   3.523673445%    0.000000000%
      I-B2   $1,382,000.00  $1,382,000.00  1,000.00000000  1,000.00000000  1.00000000  1.551821596%   1.626491884%    0.000000000%
      I-B3     $875,000.00    $875,000.00  1,000.00000000  1,000.00000000  1.00000000  0.982520909%   1.029797683%    0.000000000%
      I-B4     $507,000.00    $507,000.00  1,000.00000000  1,000.00000000  1.00000000  0.569300686%   0.596694200%    0.000000000%
      I-B5     $322,000.00    $322,000.00  1,000.00000000  1,000.00000000  1.00000000  0.361567694%   0.378965547%    0.000000000%
      I-B6     $830,351.16    $830,351.16  1,000.00000000  1,000.00000000  1.00000000  0.932385573%   0.977249944%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-I Tota   $6,910,351.16  $6,910,351.16                                              7.759502291%   8.132872705%    0.000000000%
     II-B1  $19,017,538.69 $19,013,056.93    999.76546578    999.52985648  0.99952986  2.317752303%   2.361513275%    0.000000000%
     II-B2   $5,787,642.28  $5,786,278.34    999.76546554    999.52985662  0.99952986  0.705365791%   0.718683648%    0.000000000%
     II-B3   $3,721,127.06  $3,720,250.12    999.76546480    999.52985492  0.99952985  0.453510359%   0.462072989%    0.000000000%
     II-B4   $2,067,514.98  $2,067,027.74    999.76546422    999.52985493  0.99952985  0.251977276%   0.256734804%    0.000000000%
     II-B5   $2,067,514.98  $2,067,027.74    999.76546422    999.52985493  0.99952985  0.251977276%   0.256734804%    0.000000000%
     II-B6   $2,480,742.27  $2,480,157.65    999.76546797    999.52985991  0.99952986  0.302339130%   0.308047529%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-II Tot  $35,142,080.26 $35,133,798.52                                              4.282922138%   4.363787049%    0.000000000%
    III-B1   $2,192,000.00  $2,192,000.00  1,000.00000000  1,000.00000000  1.00000000  2.444994006%   2.732452292%    0.000000000%
    III-B2     $906,000.00    $906,000.00  1,000.00000000  1,000.00000000  1.00000000  1.010567778%   1.129380372%    0.000000000%
    III-B3     $572,000.00    $572,000.00  1,000.00000000  1,000.00000000  1.00000000  0.638018509%   0.713030433%    0.000000000%
    III-B4     $238,000.00    $238,000.00  1,000.00000000  1,000.00000000  1.00000000  0.265469239%   0.296680495%    0.000000000%
    III-B5     $191,000.00    $191,000.00  1,000.00000000  1,000.00000000  1.00000000  0.213044642%   0.238092330%    0.000000000%
    III-B6     $429,103.92    $429,103.92  1,000.00000000  1,000.00000000  1.00000000  0.478629796%   0.534902367%    0.000000000%
            -----------------------------------------------------------------------------------------------------------------------
SUB-III To   $4,528,103.92  $4,528,103.92                                              5.050723972%   5.644538291%    0.000000000%

            ======================================================================================================================
Total        $999,225,640.41  $970,310,872.55

PO Balance              $.00             $.00

Non PO Bal   $999,225,640.41  $970,310,872.55
9

                                     Citigroup Mortgage Loan Trust Inc.
                                         DISTRIBUTION DATE STATEMENT
Series Name:  CMLTI 2005-03            REMIC PASS-THROUGH CERTIFICATE
Pmt Date:    09/26/2005

   Advances:
     Aggregate Amount of P&I Advances for such Distribution Date:$3,015,654.97
   Summary of Disbursements         Withdrawel/
         Remittances        Residual  (Deposit)    P&I Distributed
     -------------------------------------------------------------
       32,883,763.99           $0.00     $0.00   $32,883,763.99

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

Collateral Pool I - Aggregate Amoount of Deferred Interest             98,395.50

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 2005-03
Payment Date: 09/26/2005

DELINQUENCY  (1)
---------------------------------------------------------------------------------------------------------
                                                  Number of    Amount of Scheduled    Amount of Actual
                                                    loans              Balance              Balance
 Pool                              Item            #    PCT       Amount      PCT       Amount      PCT
---------------------------------------------------------------------------------------------------------
(2) 30-59 DAYS   17   0.74%  $6,087,644.25  0.63%  $6,088,657.84  0.63%
                                 (2) 60-89 Days    2   0.09%    $265,028.19  0.03%    $266,036.26  0.03%
                                  (2) 90 + DAYS    2   0.09%    $256,276.14  0.03%    $256,997.14  0.03%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.04%    $113,276.14  0.01%    $113,997.14  0.01%
                        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%
 1Mo_Libor_Ar                    (2) 60-89 Days    0   0.00%          $0.00  0.00%          $0.00  0.00%
                                  (2) 90 + DAYS    1   0.43%    $143,000.00  0.17%    $143,000.00  0.17%
                 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%
 3 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    9   1.18%  $3,427,981.41  0.81%  $3,428,457.78  0.81%
 5 Arms-1                        (2) 60-89 Days    1   0.13%     $75,004.53  0.02%     $75,307.20  0.02%
                                  (2) 90 + DAYS    1   0.13%    $113,276.14  0.03%    $113,997.14  0.03%

                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.13%    $113,276.14  0.03%    $113,997.14  0.03%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    2   0.53%    $390,006.95  0.45%    $390,544.17  0.45%
 5 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    4   0.72%  $1,832,000.00  0.78%  $1,832,000.00  0.78%
 7 Arms                          (2) 60-89 Days    1   0.18%    $190,023.66  0.08%    $190,729.06  0.08%
                                  (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   15   0.82%  $5,649,988.36  0.70%  $5,651,001.95  0.70%
 Arms Total                      (2) 60-89 Days    2   0.11%    $265,028.19  0.03%    $266,036.26  0.03%
                                  (2) 90 + DAYS    1   0.05%    $113,276.14  0.01%    $113,997.14  0.01%
                 REAL ESTATE OWNED BY THE TRUST    0   0.00%          $0.00  0.00%          $0.00  0.00%
                        FORECLOSURES IN PROCESS    1   0.05%    $113,276.14  0.01%    $113,997.14  0.01%
                        BANKRUPTCIES IN PROCESS    0   0.00%          $0.00  0.00%          $0.00  0.00%
                       PURCHASE AMOUNT ADVANCES                          NA
                                 (2) 30-59 DAYS    2   0.94%    $437,655.89  0.55%    $437,655.89  0.55%
 6Mo_Libor_Ar                    (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.