UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549

                                  FORM 8-K

                               CURRENT REPORT
   Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

     Date of Report (Date of earliest event reported): December 27, 2004

                    CITIGROUP MORTGAGE LOAN TRUST INC.
             (Exact name of registrant as specified in charter)

   New York			333-117349                   01-0791848
(State or other           (Commission File Number)         (IRS Employer
jurisdiction of                                         Identification No.)
 organization)

        c/o Citibank, N. A., 399 Park Avenue, New York, N. Y. 10043
           (Address of principal executive offices)   (Zip Code)

    Registrant's telephone number, including area code  (212) 816 - 5693

       (Former name or former address, if changed since last report.)


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

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

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

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

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


Item 8.01 Other Events.

This current report on Form 8-K relates to the monthly distribution
reported to the holders of Citigroup Mortgage Loan Trust Mortgage
Pass-Through Certificates, Series 2004-UST1, which was made on
December 27, 2004.


Item 9.01 Financial Statements and Exhibits.

(c) Exhibits

Exhibit No. Description

99.1 Monthly distribution report for distribution on December 27, 2004

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on behalf of the
Registrant by the undersigned thereunto duly authorized.





CITIBANK, N. A., IN ITS CAPACITY AS TRUSTEE ON
BEHALF OF CITIGROUP MORTGAGE LOAN TRUST INC., REGISTRANT




By:    /S/ Kristen Driscoll
       ___________________________

Name:  Kristen Driscoll
       ___________________________

Title: Vice President
       ___________________________

Date:  December 30, 2004
       ___________________________
[{"type": "8-K", "sequence": "1", "filename": "sec8k.txt", "description": "DECEMBER 2004 8-K", "secsgml_size_bytes": 2573}]
{"company-data": {"conformed-name": "CITIGROUP MORTGAGE LOAN TRUST INC SERIES 2004-UST1", "cik": "0001307287", "assigned-sic": "6189"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-117349-06", "film-number": "041234095"}, "mail-address": {"street1": "390 GREENWICH STREET", "city": "NEW YORK", "state": "NY", "zip": "10013"}}
UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549

                                  FORM 8-K

                               CURRENT REPORT
   Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

     Date of Report (Date of earliest event reported): December 27, 2004

                    CITIGROUP MORTGAGE LOAN TRUST INC.
             (Exact name of registrant as specified in charter)

   New York			333-117349                   01-0791848
(State or other           (Commission File Number)         (IRS Employer
jurisdiction of                                         Identification No.)
 organization)

        c/o Citibank, N. A., 399 Park Avenue, New York, N. Y. 10043
           (Address of principal executive offices)   (Zip Code)

    Registrant's telephone number, including area code  (212) 816 - 5693

       (Former name or former address, if changed since last report.)

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

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

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

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

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

Item 8.01 Other Events.

This current report on Form 8-K relates to the monthly distribution
reported to the holders of Citigroup Mortgage Loan Trust Mortgage
Pass-Through Certificates, Series 2004-UST1, which was made on
December 27, 2004.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits

Exhibit No. Description

99.1 Monthly distribution report for distribution on December 27, 2004

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on behalf of the
Registrant by the undersigned thereunto duly authorized.

CITIBANK, N. A., IN ITS CAPACITY AS TRUSTEE ON
BEHALF OF CITIGROUP MORTGAGE LOAN TRUST INC., REGISTRANT

By:    /S/ Kristen Driscoll
       ___________________________

Name:  Kristen Driscoll
       ___________________________

Title: Vice President
       ___________________________

Date:  December 30, 2004
       ___________________________