UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

~~WASHINGTON~~Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 orOR 15(d) of ~~the~~The Securities Exchange Act of 1934

~~Securities~~Date ~~Exchange~~of ~~Act~~Report (Date of ~~1934~~earliest event reported): June 24, 2005

~~Date~~Citigroup ofMortgage ~~Report~~Loan ~~(Date of earliest event reported): June 8~~Trust, ~~2005~~Inc.

CITIGROUP MORTGAGE LOAN TRUST INC.

(as depositor under the Pooling and Servicing Agreement,

dated as of June 1, 2005, providing for the issuance of

Carrington Mortgage Loan Trust, Series 2005-NC3

ASSET BACKED PASS-THROUGH CERTIFICATES)

Citigroup Mortgage Loan Trust Inc.

(Exact name of registrant as specified in its charter)

Delaware (State or Other Jurisdiction of Incorporation)	333-117349-09 (Commission File Number)	01-0791848 (I.R.S. Employer Identification Number)
Delaware	333-117349-09	01-0791848
390 Greenwich Street New York, New York (Address of Principal Executive Offices)		10013 (Zip Code)
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

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

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~~(b)~~ under the Exchange Act (17 CFR 240.14a-12(b))

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

~~Item~~On 2.June ~~Acquisition~~7, or2005, ~~Disposition~~a single series of ~~Assets~~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”).

~~Description~~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 ~~Pools~~Loan Schedule listing the Subsequent Mortgage Loans that are the subject of such Instrument.

OnSection June 7, 2005, a single series of certificates, entitled Carrington Mortgage Loan Trust, Series 2005-NC3, Asset Backed Pass-Through Certificates (the “Certificates”), were issued pursuant to a pooling and servicing agreement, dated as of June 1, 2005 (the “Agreement”), attached hereto as Exhibit 4.1, among Citigroup Mortgage Loan Trust Inc. (the “Depositor”), New Century Mortgage Corporation (the “Servicer”) and Deutsche Bank National Trust Company (the “Trustee”). The Certificates consist of eighteen classes of certificates (collectively, the “Certificates”), designated as the “Class A-1A Certificates,” the “Class A-1B Certificates,” the “Class A-1C Certificates,” the “Class A-1D Certificates,” the “Class A-2 Certificates,” “the “Class M-1 Certificates,” the “Class M-2 Certificates,” the “Class M-3 Certificates,” the “Class M-4 Certificates,” the “Class M-5 Certificates,” the “Class M-6 Certificates,” the “Class M-7 Certificates,” the “Class M-8 ~~Certificates,” the “Class M~~-9 ~~Certificates,”~~Other the “Class CE Certificates,” the “Class P Certificates,” and the “Class R Certificates”. The Certificates 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, adjustable-rate and fixed-rate, first lien and second lien mortgage loans having original terms to maturity up to 30 years (the “Mortgage Loans”). The Mortgage Pool consists of Mortgage Loans having an aggregate principal balance of $1,475,474,273.63 as of June 1, 2005 (the “Cut-off Date”). The Mortgage Loans were purchased pursuant to the Mortgage Loan Purchase Agreement, dated June 3, 2005 (the “Mortgage Loan Purchase Agreement”), among the Depositor, NC Capital Corporation (the “Responsible Party”) and Stanwich Asset Acceptance Company, L.L.C. (the “Seller”). The Certificates (other than the Class M-8 Certificates, Class M-9 Certificates, Class P Certificates, Class CE Certificates and Class R Certificates) were sold by the Depositor to Citigroup Global Markets Inc. (in such capacity, the “Representative”), pursuant to an Underwriting Agreement, dated June 7, 2005, between the Depositor and the Representative.Events

~~The~~Item ~~Certificates~~8.01. ~~have~~Other ~~the following initial Certificate Balances and Pass-Through Rates:~~Events

Class	Initial Certificate Principal Balance		Pass-Through Rate
A-1A	$	523,850,000	Variable
A-1B	$	270,570,000	Variable
A-1C	$	324,680,000	Variable
A-1D	$	131,494,000	Variable
A-2	$	138,955,000	Variable
M-1	$	52,688,000	Variable
M-2	$	81,266,000	Variable
M-3	$	26,791,000	Variable
M-4	$	53,581,000	Variable
M-5	$	29,470,000	Variable
M-6	$	33,042,000	Variable
M-7	$	25,898,000	Variable
M-8	$	19,646,000	Variable
M-9	$	21,433,000	Variable
CE	$	52,689,061.86	Variable
P	$	100.00	N/A
R		100% Percent Interest	N/A

Description of the Mortgage Pool

The Certificates, ~~other~~issued ~~than~~pursuant to the ~~Class M-8~~Agreement, ~~Class~~evidence ~~M-9,~~in ~~Class~~the ~~CE,~~aggregate the ~~Class~~entire Pbeneficial ~~and~~ownership ~~the~~interest ~~Class~~in Ra ~~Certificates,~~trust ~~and~~fund (the ~~Mortgage~~“Trust ~~Loans~~Fund”), ~~are~~consisting ~~more~~primarily ~~particularly~~of ~~described~~a insegregated pool (the ~~Prospectus,~~“Mortgage ~~dated~~Pool”) ~~May~~of 3conventional, ~~2005,~~one- ~~and~~to ~~the~~four- ~~Prospectus Supplement~~family, ~~dated~~first ~~June~~lien 3,and ~~2005~~second lien, asadjustable-rate ~~previously~~and ~~filed~~fixed-rate ~~with~~mortgage ~~the~~loans ~~Securities~~having ~~and~~original ~~Exchange~~terms ~~Commission~~to ~~pursuant~~maturity toof ~~Rule~~not ~~424(b).~~greater ~~The~~than ~~Class~~30 ~~CE,~~years (the ~~Class~~“Mortgage PLoans”). ~~and~~After the ~~Class~~Subsequent RTransfer ~~Certificates~~Date, ~~have~~the ~~not~~Trust ~~been~~Fund ~~and~~primarily ~~will~~consisted ~~not~~of ~~be publicly offered by~~ the ~~Depositor.~~Mortgage ~~Capitalized~~Pool, ~~terms~~which ~~used~~consisted ~~but~~of ~~not~~Mortgage ~~otherwise~~Loans ~~defined~~having ~~herein~~an ~~shall~~aggregate ~~have~~Stated ~~the~~Principal ~~meanings~~Balance ~~assigned~~of toapproximately ~~them in the Prospectus Supplement~~$1,786,052,187.

~~Item~~The ~~9.01~~tables ~~Financial~~attached ~~Statements~~as ~~and~~an ~~Exhibits~~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.

~~(a)~~Section ~~Not~~9 ~~applicable~~- ~~(b)~~Financial ~~Not~~Statements ~~applicable~~and ~~(c)~~ Exhibits

Exhibit No.	Description
4.1	Pooling and Servicing Agreement, dated as of June 1, 2005, among Citigroup Mortgage Loan Trust Inc. as Depositor, New Century Mortgage Corporation as Servicer and Deutsche Bank National Trust Company as Trustee, relating to the Series 2005-NC3 Certificates.

Item 9.01 Financial Statements and Exhibits

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

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.

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.

~~Dated: June 23, 2005~~SIGNATURES

~~CITIGROUP~~Pursuant ~~MORTGAGE~~to ~~LOAN~~the ~~TRUST~~requirements ~~INC.~~of ~~By:~~the ~~/s/~~Securities ~~Susan~~Exchange ~~Mills~~Act ~~Name:~~of ~~Susan~~1934, ~~Mills~~the ~~Title:~~registrant ~~Managing~~has ~~Director~~duly caused this report to be signed on its behalf the undersigned thereunto duly authorized.

~~Index~~Dated: toJune ~~Exhibits~~24, 2005

Exhibit No.	Description	Sequentially Numbered Page
4.1	Pooling and Servicing Agreement, dated as of June 1, 2005, among Citigroup Mortgage Loan Trust Inc. as Depositor, New Century Mortgage Corporation as Servicer and Deutsche Bank National Trust Company as Trustee, relating to the Series 2005-NC3 Certificates.	7

CITIGROUP MORTGAGE LOAN TRUST, INC.

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

~~Exhibit~~Index ~~4.1~~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.

Filing Compare · Carrington Mortgage Loan Trust, Series 2005-NC3