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): June 24, 2005

Citigroup Mortgage Loan Trust, Inc.

(Exact name of registrant as specified in its charter)

Delaware

333-117349-09

01-0791848

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

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

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

(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):

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

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

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

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

Section 2 - Completion of Acquisition or Disposition of Assets

Item 2.01 Completion of Acquisition or Disposition of Assets

On June 7, 2005, a single series of certificates, entitled Carrington Mortgage Loan Trust 2005-NC3, Asset-Backed Certificates Pass-Through, Series 2005-NC3 (the “Certificates”), were issued pursuant to a pooling and servicing agreement, dated as of June 1, 2005 (the “Agreement”), between Citigroup Mortgage Loan Trust, Inc. (the “Depositor”), New Century Mortgage Corporation, as servicer (“New Century”) and Deutsche Bank National Trust Company (the “Trustee”).

On June 24, 2005, following the closing of the initial issuance of the Certificates, the Trustee purchased from the Depositor certain Subsequent Mortgage Loans, as defined in the Agreement, with an aggregate Stated Principal Balance equal to $310,577,913.85 with funds on deposit in the pre-funding accounts (the “Pre-Funding Account”) established pursuant to the Agreement at a purchase price equal to the Stated Principal Balance thereof, which Subsequent Mortgage Loans were conveyed to the Trustee pursuant to a Subsequent Transfer Instrument, dated June 24, 2005 (the “Instrument”), between the Depositor and the Trustee. Attached to the Instrument is the Mortgage Loan Schedule listing the Subsequent Mortgage Loans that are the subject of such Instrument.

Section 8 - Other Events

Item 8.01. Other Events

Description of the Mortgage Pool

The Certificates, issued pursuant to the Agreement, evidence in the aggregate the entire beneficial ownership interest in a trust fund (the “Trust Fund”), consisting primarily of a segregated pool (the “Mortgage Pool”) of conventional, one- to four- family, first lien and second lien, adjustable-rate and fixed-rate mortgage loans having original terms to maturity of not greater than 30 years (the “Mortgage Loans”). After the Subsequent Transfer Date, the Trust Fund primarily consisted of the Mortgage Pool, which consisted of Mortgage Loans having an aggregate Stated Principal Balance of approximately $1,786,052,187.

The tables attached as an exhibit hereto describe certain characteristics of the Mortgage Pool as of the respective applicable Cut-off Date, in the case of the Initial Mortgage Loans, or the applicable Subsequent Cut-off Date, in the case of the Subsequent Mortgage Loans.

Section 9 - Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits

(a)	Not applicable
(b)	Not applicable
(c)	Exhibits

Exhibit No.	Description
4.2	Subsequent Transfer Instrument, dated as June 24, 2005 between Citigroup Mortgage Loan Trust, Inc. as seller and Deutsche Bank National Trust Company, as trustee.
99.1	Characteristics of the Mortgage Pool as of the Subsequent Cut-off Date relating to Carrington Mortgage Loan Trust 2005-NC3, Asset-Backed Pass-Through Certificates, Series 2005-NC3.

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 the undersigned thereunto duly authorized.

Dated: June 24, 2005

CITIGROUP MORTGAGE LOAN TRUST, INC.

By:	/s/ Matthew R. Bollo
Name:	Matthew R. Bollo
Title:	Assistant Vice President

Index to Exhibits

Exhibit No.

Description

Sequentially

Numbered Page

4.2

Subsequent Transfer Instrument, dated as June 24, 2005, between Citigroup Mortgage Loan Trust, Inc. as seller and Deutsche Bank National Trust Company as trustee.

99.1

Characteristics of the Mortgage Pool as of the Subsequent Cut-off Date, relating to Carrington Home Loan Trust 2005-NC3, Asset-Backed Pass-Through Certificates, Series 2005-NC3.

Carrington Mortgage Loan Trust, Series 2005-NC3 8-K