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): ~~November~~December 2627, 2004 (Date of earliest event reported) Citigroup Mortgage Loan Trust Inc. (as Depositor under the Pooling and Servicing Agreement, dated as October 1, 2004, providing for the issuance of Asset Backed Pass-Through Certificates, Series 2004-RES1) (Exact name of registrant as specified in charter) DELAWARE (State or Other Jurisdiction of Incorporation) 333-117349-05 01-0791848 (Commission File Number) (I.R.S. 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): [ ] 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, Series 2004-RES1 Asset Backed Pass-Through Certificates, Series 2004-RES1, which was made on October 1, 2004 Item 9.01 Financial Statements and Exhibits. (c) Exhibits Exhibit No. Description 99.1 Monthly Remittance Statement to the Certificateholders dated as of ~~November~~December 2627, 2004. SIGNATURES 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. DEUTSCHE BANK NATIONAL TRUST COMPANY, IN ITS CAPACITY AS TRUSTEE UNDER THE POOLING AND SERVICING AGREEMENT ON BEHALF OF CITIGROUP MORTGAGE LOAN TRUST INC., REGISTRANT Date: Dec 0728, 2004 By: /s/ Katherine M. Wannenmacher Katherine M. Wannenmacher Vice President EXHIBIT INDEX DOCUMENT 99.1 Monthly Remittance Statement to the Certificateholders dated as of ~~November~~December 2627, 2004.

Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
				External Parties					Table of Contents
												Page
				Seller
									1. Certificate Payment Report					2
				Citigroup
									2. Collection Account Report					4
									3. Credit Enhancement Report					6
									4. Collateral Report					7
				Certificate Insurer(s)					5. Delinquency Report					10
									6. REO Report					13
									7. Foreclosure Report					14
									8. Prepayment Report					15
									9. Prepayment Detail Report					18
									10. Realized Loss Report					1920
									11. Realized Loss Detail Report					2223
				Servicer(s)
									12. Triggers and Adj. Cert. Report					2324
				Litton Loan Servicing
									13. Additional Certificate Report					2425
				Underwriter(s)
				Citigroup
									Total Number of Pages					2425
				Dates					Contacts
				Cut-Off Date:		October 01, 2004			Hang Luu
				Close Date:		October 15, 2004			Administrator
				First Distribution Date:		November 26, 2004			(714) 247-6000
									hang-thai.luu@db.com
									Address:
									1761 East St. Andrew Place, Santa Ana, CA 92705
				Distribution Date:		~~November~~December 2627, 2004
									Factor Information:			(800) 735-7777
				Record Date:		~~October~~November 2930, 2004
									Main Phone Number:			(714) 247-6000
						November 24, 2004
						December 24, 2004
									https://www.tss.db.com/invr
Page 1 of 24
Page 1 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Certificate Payment Report
Current Period Distribution - REMIC II
					Prior											Current
	Class		Original		Principal					Total		Realized		Deferred		Principal
Class	Type	Cur	Face Value		Balance	Interest		Principal		Distribution		Loss		Interest		Balance
					(1)	(2)		(3)		(4)=(2)+(3)		(5)		(6)		(7)=(1)-(3)-(5)+(6)
A-1		$	391,756,000.00		~~391~~386,~~756~~478,~~000~~216.0033	~~991~~825,~~795~~555.6137		510,~~277~~157,~~783~~857.6715		610,~~269~~983,~~579~~412.2852		0.00		0.00		~~386~~376,~~478~~320,~~216~~359.3318
A-2		$	143,656,000.00		~~143~~141,~~656~~615,~~000~~513.0008	~~380~~314,~~448~~699.9729		2,~~040~~573,~~486~~764.9222		2,~~420~~888,~~935~~463.8951		0.00		0.00		~~141~~139,~~615~~041,~~513~~748.0886
M-1		$	21,220,000.00		21,220,000.00	6251,~~386~~723.8047		0.00		6251,~~386~~723.8047		0.00		0.00		21,220,000.00
M-2		$	13,711,000.00		13,711,000.00	4033,~~790~~774.2358		0.00		4033,~~790~~774.2358		0.00		0.00		13,711,000.00
M-3		$	13,059,000.00		13,059,000.00	3932,~~459~~618.9531		0.00		3932,~~459~~618.9531		0.00		0.00		13,059,000.00
M-4		$	10,447,000.00		10,447,000.00	3529,~~955~~332.0972		0.00		3529,~~955~~332.0972		0.00		0.00		10,447,000.00
M-5		$	10,120,000.00		10,120,000.00	3529,~~656~~024.1359		0.00		3529,~~656~~024.1359		0.00		0.00		10,120,000.00
M-6		$	6,529,000.00		6,529,000.00	2419,~~527~~849.2889		0.00		2419,~~527~~849.2889		0.00		0.00		6,529,000.00
M-7		$	6,529,000.00		6,529,000.00	2722,~~574~~098.1477		0.00		2722,~~574~~098.1477		0.00		0.00		6,529,000.00
M-8		$	3,265,000.00		3,265,000.00	1411,~~360~~472.5680		0.00		1411,~~360~~472.5680		0.00		0.00		3,265,000.00
M-9		$	7,181,000.00		7,181,000.00	3830,~~705~~489.5924		0.00		3830,~~705~~489.5924		0.00		0.00		7,181,000.00
M-10		$	3,264,000.00		3,264,000.00	1713,~~592~~858.9636		0.00		1713,~~592~~858.9636		0.00		0.00		3,264,000.00
M-11		$	6,529,000.00		6,529,000.00	3527,~~191~~720.3196		0.00		3527,~~191~~720.3196		0.00		0.00		6,529,000.00
M-12		$	1,638,000.00		1,638,000.00	86,~~828~~954.8265		0.00		86,~~828~~954.8265		0.00		0.00		1,638,000.00
CE		$	14,038,820.48		14,038,~~820~~272.4879	12,~~839~~108,~~425~~158.5942		~~547~~0.6900		12,~~839~~108,~~973~~158.2842		0.00		0.00		14,038,272.79
P		$	100.00		100.00	98149,~~147~~249.2054		0.00		98149,~~147~~249.2054		0.00		0.00		100.00
R		$	0.00		0.00	0.00		0.00		0.00		0.00		0.00		0.00
R-X		$	0.00		0.00	0.00		0.00		0.00		0.00		0.00		0.00
Total			652,942,920.48		~~652~~645,~~942~~624,~~920~~102.4820	3,~~690~~706,~~846~~580.2396		712,~~318~~731,~~818~~621.2837		1116,~~009~~438,~~664~~202.5133		0.00		0.00		~~645~~632,~~624~~892,~~102~~480.2083
Interest Accrual Detail Current Period Factor Information per $1,0000 of Original Face-
Interest Accrual Detail Current Period Factor Information per $1,000 of Original Face-
								Orig. Principal		Prior							Current
	Period		Period					(with Notional)		Principal						Total	Principal
Class	Starting		Ending		Method	Cusip		Balance		Balance		Interest		Principal		Distribution	Balance
								(1)		(1)		(2)		(3)		(4)=(2)+(3)	(5)
A-1	1011/1526/04		1112/2526/04		A-Act/360	17307GKJ6		391,756,000.00		~~1,000~~986.~~000000~~527880		2.~~531667~~107320		1325.~~472120~~929040		1628.~~003786~~036361	~~986~~960.~~527880~~598840
A-2	1011/1526/04		1112/2526/04		A-Act/360	17307GKK3		143,656,000.00		~~1,000~~985.~~000000~~796020		2.~~648333~~190645		1417.~~203980~~916162		1620.~~852313~~106807	~~985~~967.~~796020~~879858
M-1	1011/1526/04		1112/2526/04		A-Act/360	17307GKL1		21,220,000.00		1,000.000000		2.~~940000~~437487		0.000000		2.~~940000~~437487	1,000.000000
M-2	1011/1526/04		1112/2526/04		A-Act/360	17307GKM9		13,711,000.00		1,000.000000		2.~~975000~~463320		0.000000		2.~~975000~~463320	1,000.000000
M-3	1011/1526/04		1112/2526/04		A-Act/360	17307GKN7		13,059,000.00		1,000.000000		32.~~021667~~497765		0.000000		32.~~021667~~497765	1,000.000000
M-4	1011/1526/04		1112/2526/04		A-Act/360	17307GKP2		10,447,000.00		1,000.000000		32.~~441667~~807765		0.000000		32.~~441667~~807765	1,000.000000
M-5	1011/1526/04		1112/2526/04		A-Act/360	17307GKQ0		10,120,000.00		1,000.000000		32.~~523333~~868042		0.000000		32.~~523333~~868042	1,000.000000
M-6	1011/1526/04		1112/2526/04		A-Act/360	17307GKR8		6,529,000.00		1,000.000000		3.~~756667~~040265		0.000000		3.~~756667~~040265	1,000.000000
M-7	1011/1526/04		1112/2526/04		A-Act/360	17307GKS6		6,529,000.00		1,000.000000		43.~~223333~~384710		0.000000		43.~~223333~~384710	1,000.000000
M-8	1011/1526/04		1112/2526/04		A-Act/360	17307GKT4		3,265,000.00		1,000.000000		43.~~398334~~513874		0.000000		43.~~398334~~513874	1,000.000000
M-9	1011/1526/04		1112/2526/04		A-Act/360	17307GKU1		7,181,000.00		1,000.000000		54.~~390000~~245821		0.000000		54.~~390000~~245821	1,000.000000
M-10	1011/1526/04		1112/2526/04		A-Act/360	17307GKV9		3,264,000.00		1,000.000000		54.~~390000~~245821		0.000000		54.~~390000~~245821	1,000.000000
M-11	1011/1526/04		1112/2526/04		A-Act/360	17307GKW7		6,529,000.00		1,000.000000		54.~~390000~~245820		0.000000		54.~~390000~~245820	1,000.000000
M-12	1011/1526/04		1112/2526/04		A-Act/360	17307GKX5		1,638,000.00		1,000.000000		54.~~390000~~245818		0.000000		54.~~390000~~245818	1,000.000000
CE	1011/1525/04		1112/24/04		A-30/360	1729749P4		14,038,820.48		~~1,000~~999.~~000000~~960987		~~131~~150.~~024226~~166349		0.~~039013~~000000		~~131~~150.~~063239~~166349	999.960987
P	1011/1525/04		1112/24/04		A-30/360	1729749Q2		100.00		1,000.000000		~~981~~1,~~472~~492,495.~~000000~~400000		0.000000		~~981~~1,~~472~~492,495.~~000000~~400000	1,000.000000
R	1011/1525/04		1112/24/04		A-30/360	1729749R0		0.00		0.000000		0.000000		0.000000		0.000000	0.000000
R-X	1011/1525/04		1112/24/04		A-30/360	1729759J5		0.00		0.000000		0.000000		0.000000		0.000000	0.000000
Page 2 of 24
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Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Distribution to Date - REMIC II
																Current
	Original				Unscheduled	Scheduled		Total		Total		Realized		Deferred		Principal
Class	Face Value		Interest		Principal	Principal		Principal		Distribution		Loss		Interest		Balance
	(1)		(2)		(3)	(4)		(5)=(3)+(4)		(6)=(2)+(5)		(7)		(8)		(9)=(1)-(5)-(7)+(8)
A-1	391,756,000.00		~~991~~1,~~795~~817,350.6198		414,~~964~~779,~~114~~598.9817	~~313~~656,~~668~~042.6965		515,~~277~~435,~~783~~640.6782		617,~~269~~252,~~579~~991.2880		0.00		0.00		~~386~~376,~~478~~320,~~216~~359.3318
A-2	143,656,000.00		~~380~~695,~~448~~148.9726		14,~~919~~406,~~216~~231.9155	~~121~~208,~~270~~019.0159		24,~~040~~614,~~486~~251.9214		25,~~420~~309,~~935~~399.8940		0.00		0.00		~~141~~139,~~615~~041,~~513~~748.0886
M-1	21,220,000.00		62114,~~386~~110.8027		0.00	0.00		0.00		62114,~~386~~110.8027		0.00		0.00		21,220,000.00
M-2	13,711,000.00		4074,~~790~~564.2381		0.00	0.00		0.00		4074,~~790~~564.2381		0.00		0.00		13,711,000.00
M-3	13,059,000.00		3972,~~459~~078.9526		0.00	0.00		0.00		3972,~~459~~078.9526		0.00		0.00		13,059,000.00
M-4	10,447,000.00		3565,~~955~~287.0981		0.00	0.00		0.00		3565,~~955~~287.0981		0.00		0.00		10,447,000.00
M-5	10,120,000.00		3564,~~656~~680.1372		0.00	0.00		0.00		3564,~~656~~680.1372		0.00		0.00		10,120,000.00
M-6	6,529,000.00		2444,~~527~~377.2817		0.00	0.00		0.00		2444,~~527~~377.2817		0.00		0.00		6,529,000.00
M-7	6,529,000.00		2749,~~574~~672.1491		0.00	0.00		0.00		2749,~~574~~672.1491		0.00		0.00		6,529,000.00
M-8	3,265,000.00		1425,~~360~~833.5636		0.00	0.00		0.00		1425,~~360~~833.5636		0.00		0.00		3,265,000.00
M-9	7,181,000.00		3869,~~705~~194.5983		0.00	0.00		0.00		3869,~~705~~194.5983		0.00		0.00		7,181,000.00
M-10	3,264,000.00		1731,~~592~~451.9632		0.00	0.00		0.00		1731,~~592~~451.9632		0.00		0.00		3,264,000.00
M-11	6,529,000.00		3562,~~191~~912.3127		0.00	0.00		0.00		3562,~~191~~912.3127		0.00		0.00		6,529,000.00
M-12	1,638,000.00		815,~~828~~783.8247		0.00	0.00		0.00		815,~~828~~783.8247		0.00		0.00		1,638,000.00
CE	14,038,820.48		13,~~839~~947,~~425~~584.5901		0.00	0.00		547.69		13,~~839~~948,~~973~~131.2870		0.00		0.00		14,038,272.79
P	100.00		98247,~~147~~396.2074		0.00	0.00		0.00		98247,~~147~~396.2074		0.00		0.00		100.00
R	0.00		0.00		0.00	0.00		0.00		0.00		0.00		0.00		0.00
R-X	0.00		0.00		0.00	0.00		0.00		0.00		0.00		0.00		0.00
Total	652,942,920.48		37,~~690~~397,~~846~~427.2319		619,~~883~~185,~~331~~829.8972	~~434~~864,~~938~~062.7024		720,~~318~~050,~~818~~439.2865		1127,~~009~~447,~~664~~866.5184		0.00		0.00		~~645~~632,~~624~~892,~~102~~480.2083
Interest Detail - REMIC II
	Pass		Prior Principal			Non-		Prior		Unscheduled				Paid or		Current
	Through		(with Notional)		Accrued	Supported		Unpaid		Interest		Optimal		Deferred		Unpaid
Class	Rate		Balance		Interest	Interest SF		Interest		Adjustment		Interest		Interest		Interest
					(1)	(2)		(3)		(4)		(5)=(1)-(2)+(3)+(4)		(6)		(7)=(5)-(6)
A-1	2.~~17000~~48063%		~~391~~386,~~756~~478,~~000~~216.0033		~~991~~825,~~795~~555.6137	0.00		0.00		0.00		~~991~~825,~~795~~555.6137		~~991~~825,~~795~~555.6137		0.00
A-2	2.~~27000~~58063%		~~143~~141,~~656~~615,~~000~~513.0008		~~380~~314,~~448~~699.9729	0.00		0.00		0.00		~~380~~314,~~448~~699.9729		~~380~~314,~~448~~699.9729		0.00
M-1	2.~~52000~~83063%		21,220,000.00		6251,~~386~~723.8047	0.00		0.00		0.00		6251,~~386~~723.8047		6251,~~386~~723.8047		0.00
M-2	2.~~55000~~86063%		13,711,000.00		4033,~~790~~774.2358	0.00		0.00		0.00		4033,~~790~~774.2358		4033,~~790~~774.2358		0.00
M-3	2.~~59000~~90063%		13,059,000.00		3932,~~459~~618.9531	0.00		0.00		0.00		3932,~~459~~618.9531		3932,~~459~~618.9531		0.00
M-4	23.~~95000~~26063%		10,447,000.00		3529,~~955~~332.0972	0.00		0.00		0.00		3529,~~955~~332.0972		3529,~~955~~332.0972		0.00
M-5	3.~~02000~~33063%		10,120,000.00		3529,~~656~~024.1359	0.00		0.00		0.00		3529,~~656~~024.1359		3529,~~656~~024.1359		0.00
M-6	3.~~22000~~53063%		6,529,000.00		2419,~~527~~849.2889	0.00		0.00		0.00		2419,~~527~~849.2889		2419,~~527~~849.2889		0.00
M-7	3.~~62000~~93063%		6,529,000.00		2722,~~574~~098.1477	0.00		0.00		0.00		2722,~~574~~098.1477		2722,~~574~~098.1477		0.00
M-8	34.~~77000~~08063%		3,265,000.00		1411,~~360~~472.5680	0.00		0.00		0.00		1411,~~360~~472.5680		1411,~~360~~472.5680		0.00
M-9	4.~~62000~~93063%		7,181,000.00		3830,~~705~~489.5924	0.00		0.00		0.00		3830,~~705~~489.5924		3830,~~705~~489.5924		0.00
M-10	4.~~62000~~93063%		3,264,000.00		1713,~~592~~858.9636	0.00		0.00		0.00		1713,~~592~~858.9636		1713,~~592~~858.9636		0.00
M-11	4.~~62000~~93063%		6,529,000.00		3527,~~191~~720.3196	0.00		0.00		0.00		3527,~~191~~720.3196		3527,~~191~~720.3196		0.00
M-12	4.~~62000~~93063%		1,638,000.00		86,~~828~~954.8265	0.00		0.00		0.00		86,~~828~~954.8265		86,~~828~~954.8265		0.00
CE	~~117~~180.~~92180~~20665%		14,038,~~820~~272.4879		2,~~452~~108,~~567~~158.4542	0850.0006		0.00		0.00		2,~~452~~720,~~567~~450.4522		12,~~839~~108,~~425~~158.5942		~~613~~612,~~141~~291.8680
P	0.00000%		100.00		0.00	0.00		0.00		0.00		0.00		98149,~~147~~249.2054		0.00
R	0.00000%		0.00		0.00	0.00		0.00		0.00		0.00		0.00		0.00
R-X	0.00000%		0.00		0.00	0.00		0.00		0.00		0.00		0.00		0.00
Total			~~652~~645,~~942~~624,~~920~~102.4820		43,~~205~~557,~~840~~331.8942	0850.0006		0.00		0.00		4,~~205~~169,~~840~~623.8922		3,~~690~~706,~~846~~580.2396		~~613~~612,~~141~~291.8680
Page 3 of 24
Page 3 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Collection Account Report
SUMMARY
									Group 2		Group 1		Total
Principal Collections									2,~~040~~573,~~639~~764.6322		510,~~278~~157,~~178~~857.6515		712,~~318~~731,~~818~~621.2838
Principal Withrawals									0.00		0.00		0.00
Principal Other Accounts									0.00		0.00		0.00
TOTAL NET PRINCIPAL									2,~~040~~573,~~639~~764.6322		510,~~278~~157,~~178~~857.6515		712,~~318~~731,~~818~~621.2838
Interest Collections									~~981~~963,~~243~~029.9590		2,~~684~~642,~~259~~473.5164		3,~~665~~605,503.4655
Interest Withdrawals									-0.00		-0.00		-0.00
Interest Other Accounts									0.00		0.00		98149,~~147~~249.2054
Interest Fees									-136,~~304~~242.7486		-5941,~~499~~929.7026		-7248,~~804~~172.4312
TOTAL NET INTEREST									~~967~~956,~~939~~787.2104		2,~~624~~600,~~759~~544.8138		3,~~690~~706,~~846~~580.2397
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION									3,~~008~~530,~~578~~551.8426		712,~~902~~758,~~938~~401.4653		1116,~~009~~438,~~664~~202.5134
PRINCIPAL - COLLECTIONS
										Group 2		Group 1		Total
Scheduled Principal Received										105,~~989~~793.4694		~~328~~323,~~981~~329.7959		~~434~~429,~~971~~123.2553
Prepayments In Full										12,~~142~~462,~~957~~576.0409		48,~~353~~291,~~964~~892.9829		510,~~496~~754,~~922~~468.0237
Curtailments										25,~~805~~394.6320		169,~~861~~792.7291		1915,~~667~~187.3510
Liquidations										0.00		0.00		0.00
Insurance Principal										0.00		0.00		0.00
Repurchased Principal Amounts										~~788,887~~0.4900		~~578~~1,~~370~~532,842.1637		1,~~367~~532,~~257~~842.6537
Other Principal										0.00		0.00		0.00
Total Realized Loss Of Principal										-0.00		-0.00		-0.00
Delinquent Principal										-9099,~~529~~680.4008		-~~283~~297,~~123~~628.9260		-~~373~~397,~~653~~308.3268
Advanced Principal										9099,~~529~~680.4008		~~283~~297,~~123~~628.9260		~~373~~397,~~653~~308.3268
TOTAL PRINCIPAL COLLECTED										2,~~040~~573,~~639~~764.6322		510,~~278~~157,~~178~~857.6515		712,~~318~~731,~~818~~621.2838
PRINCIPAL - WITHDRAWALS
SPACE INTENTIONALLY LEFT BLANK
PRINCIPAL - OTHER ACCOUNTS
									Group 2		Group 1		Total
TOTAL OTHER ACCOUNTS PRINCIPAL									0.00		0.00		0.00
Page 4 of 24
Page 4 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
INTEREST - COLLECTIONS
									Group 2		Group 1		Total
Scheduled Interest									1,~~036~~029,~~705~~582.7625		2,~~849~~810,~~379~~004.9707		3,~~886~~839,~~085~~586.7333
Liquidation Interest									0.00		0.00		0.00
Repurchased Interest									~~4,886~~0.5800		39,~~657~~994.7233		89,~~544~~994.3033
Insurance Interest									0.00		0.00		0.00
Other Interest									0.00		0.00		0.00
Relief Act Interest Shortfalls									-0.00		-0850.0006		-0850.0006
Prepayment Interest Shortfalls									-~~1,310~~0.8800		-~~3,107~~0.9600		-~~4,418~~0.8400
Compensating Interest									~~1,310~~0.8800		~~3,107~~0.9600		~~4,418~~0.8400
Delinquent Interest									-~~861~~948,~~343~~061.9202		-2,~~415~~531,~~709~~209.6765		-3,~~277~~479,~~053~~270.5968
Interest Advanced									~~800~~881,~~995~~508.5267		2,~~246~~354,~~931~~534.5095		3,~~047~~236,~~927~~043.0263
TOTAL INTEREST COLLECTED									~~981~~963,~~243~~029.9590		2,~~684~~642,~~259~~473.5164		3,~~665~~605,503.4655
INTEREST - WITHDRAWALS
									Group 2		Group 1		Total
Nonrecoverable Advances									0.00		0.00		0.00
TOTAL INTEREST WITHDRAWALS									0.00		0.00		0.00
INTEREST - OTHER ACCOUNTS
									Group 2		Group 1		Total
Prepayment Charges													98149,~~147~~249.2054
Interest to CE Class from Interest Coverage
TOTAL INTEREST OTHER ACCOUNTS									0.00		0.00		98149,~~147~~249.2054
INTEREST - FEES
									Group 2		Group 1		Total
Current Servicing Fees									125,~~647~~593.7755		3020,~~285~~189.2145		4225,~~932~~782.99
Current Trustee Fees									~~656~~649.9731		1,~~791~~771.5778		2,~~448~~421.5409
Class A-1 Insurance Premium											2719,~~422~~968.9204		2719,~~422~~968.9204
TOTAL INTEREST OTHER FEES									136,~~304~~242.7486		5941,~~499~~929.7026		7248,~~804~~172.4312
Page 5 of 24
Page 5 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Credit Enhancement Report
ACCOUNTS
SPACE INTENTIONALLY LEFT BLANK
INSURANCE
SPACE INTENTIONALLY LEFT BLANK
STRUCTURAL FEATURES
									Group 2		Group 1		Total
Begining Overcollateralization Amount													14,038,~~820~~272.4879
Ending Overcollateralized Amount													14,038,272.8079
Overcollateralization Release Amount													~~547~~0.6900
Overcollateralization Deficiency Amount													0.00
Overcollateralization Target Amount													14,038,272.79
Page 6 of 24
Page 6 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Collateral Report
COLLATERAL
										Group 2		Group 1		Total
Loan Count:
Original									717		2,908		3,625
Prior									~~717~~711		2,~~908~~878		3,~~625~~589
Prefunding									0		0		0
Scheduled Paid Offs									-0		-0		-0
Full Voluntary Prepayments									-410		-2545		-2955
Repurchases									-20		-57		-7
Liquidations									-0		-0		-0
Current									~~711~~701		2,~~878~~826		3,~~589~~527
Principal Balance:
Original									175,190,797.02		477,752,123.46		652,942,920.48
Prior									~~175~~173,~~190~~150,~~797~~157.0239		~~477~~472,~~752~~473,~~123~~944.4681		~~652~~645,~~942~~624,~~920~~102.4821
Prefunding									0.00		0.00		0.00
Scheduled Principal									-105,~~989~~793.4694		-~~328~~323,~~981~~329.7959		-~~434~~429,~~971~~123.2553
Partial Prepayments									-25,~~805~~394.6320		-169,~~861~~792.7291		-1915,~~667~~187.3510
Full Voluntary Prepayments									-12,~~142~~462,~~957~~576.0409		-48,~~353~~291,~~964~~892.9829		-510,~~496~~754,~~922~~468.0237
Repurchases									-~~788,887~~0.4900		-~~578~~1,~~370~~532,842.1637		-1,~~367~~532,~~257~~842.6537
Liquidations									-0.00		-0.00		-0.00
Current									~~173~~170,~~150~~576,~~157~~393.3917		~~472~~462,~~473~~316,~~944~~087.8166		~~645~~632,~~624~~892,~~102~~480.2183
PREFUNDING
SPACE INTENTIONALLY LEFT BLANK
Page 7 of 24
Page 7 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
CHARACTERISTICS
									Group 2		Group 1		Total
Weighted Average Coupon Original									7.13457%		7.16615%		7.15768%
Weighted Average Coupon Prior									7.13457%		7.16615%		7.15768%
Weighted Average Coupon Current									7.~~13457~~13542%		7.~~16615~~16230%		7.~~15768~~15509%
Weighted Average Months to Maturity Original									338		344		343
Weighted Average Months to Maturity Prior									338		344		343
Weighted Average Months to Maturity Current									~~338~~337		~~344~~343		~~343~~341
Weighted Avg Remaining Amortization Term Original									338		344		343
Weighted Avg Remaining Amortization Term Prior									338		344		343
Weighted Avg Remaining Amortization Term Current									~~338~~337		~~344~~343		~~343~~341
Weighted Average Seasoning Original									3.65		3.79		3.75
Weighted Average Seasoning Prior									3.65		3.79		3.75
Weighted Average Seasoning Current									34.6564		34.7978		34.7574
Page 8 of 24
Page 8 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
ARM CHARACTERISTICS
									Group 2		Group 1		Total
Weighted Average Margin Original									6.25393%		6.25962%		6.25808%
Weighted Average Margin Prior									6.25393%		6.25962%		6.25808%
Weighted Average Margin Current									6.~~25393~~25142%		6.~~25962~~25788%		6.~~25808~~25614%
Weighted Average Max Rate Original									13.13756%		13.17319%		13.16358%
Weighted Average Max Rate Prior									13.13756%		13.17319%		13.16358%
Weighted Average Max Rate Current									13.~~13756~~13973%		13.~~17319~~16843%		13.~~16358~~16070%
Weighted Average Min Rate Original									6.82963%		6.97364%		6.93482%
Weighted Average Min Rate Prior									6.82963%		6.97364%		6.93482%
Weighted Average Min Rate Current									6.~~82963~~82760%		6.~~97364~~96808%		6.~~93482~~93027%
Weighted Average Cap Up Original									1.00000%		1.00000%		1.00000%
Weighted Average Cap Up Prior									1.00000%		1.00000%		1.00000%
Weighted Average Cap Up Current									1.00000%		1.00000%		1.00000%
Weighted Average Cap Down Original									1.00000%		1.00000%		1.00000%
Weighted Average Cap Down Prior									1.00000%		1.00000%		1.00000%
Weighted Average Cap Down Current									1.00000%		1.00000%		1.00000%
SERVICING FEES & ADVANCES
										Group 2		Group 1		Total
Current Servicing Fees									125,~~647~~593.7755		3020,~~285~~189.2145		4225,~~932~~782.99
Delinquent Servicing Fees									6066,~~348~~552.3935		~~168~~176,~~778~~674.1770		~~229~~243,~~126~~227.5605
TOTAL SERVICING FEES									72,~~996~~145.1790		~~199~~196,~~063~~864.3915		~~272~~269,~~059~~010.5605
Compensating Interest									-~~1,310~~0.8800		-~~3,107~~0.9600		-~~4,418~~0.8400
Delinquent Servicing Fees									-6066,~~348~~552.3935		-~~168~~176,~~778~~674.1770		-~~229~~243,~~126~~227.5605
COLLECTED SERVICING FEES									115,~~336~~593.8955		2720,~~177~~189.2645		3825,~~514~~783.1600
Aggregate Advances with respect to this Distribution									2,~~058~~139,~~711~~268.7496		~~471~~512,~~343~~894.6759		2,~~530~~652,~~055~~163.4255
ADDITIONAL COLLATERAL INFORMATION
									Group 2		Group 1		Total
Net Prepayment Interest Shortfall									0.00		0.00		0.00
Libor For Current Period													12.~~8700~~1806%
Page 9 of 24
Page 9 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Delinquency Report
	TOTAL
					< 1 PAYMENT	1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance			37,~~236~~157,~~084~~456.7426		01,769,409.0067		0.00		38,~~236~~926,~~084~~865.7493
			% Balance			01.5013%		0.0028%		0.00%		01.5041%
			# Loans			1438		07		0		1445
			% # Loans			01.3908%		0.0020%		0.00%		01.3928%
	FORECLOSURE		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00	37,~~236~~157,~~084~~456.7426		01,769,409.0067		0.00		38,~~236~~926,~~084~~865.7493
			% Balance		0.00%	01.5013%		0.0028%		0.00%		01.5041%
			# Loans		0	1438		07		0		1445
			% # Loans		0.00%	01.3908%		0.0020%		0.00%		01.3928%
Page 10 of 24
Page 10 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
	GROUP 1
					< 1 PAYMENT	1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance			15,~~911~~864,~~794~~309.6304		0888,484.0039		0.00		16,~~911~~752,~~794~~793.6343
			% Balance			01.4027%		0.0019%		0.00%		01.4046%
			# Loans			1032		04		0		1036
			% # Loans			01.3513%		0.0014%		0.00%		01.3527%
	FORECLOSURE		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00	15,~~911~~864,~~794~~309.6304		0888,484.0039		0.00		16,~~911~~752,~~794~~793.6343
			% Balance		0.00%	01.4027%		0.0019%		0.00%		01.4046%
			# Loans		0	1032		04		0		1036
			% # Loans		0.00%	01.3513%		0.0014%		0.00%		01.3527%
Page 11 of 24
Page 11 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
	GROUP 2
					< 1 PAYMENT	1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance			1,~~324~~293,~~290~~147.1122		0880,925.0028		0.00		12,~~324~~174,~~290~~072.1150
			% Balance			0.76%		0.0052%		0.00%		01.7627%
			# Loans			46		03		0		49
			% # Loans			0.5686%		0.0043%		0.00%		01.5628%
	FORECLOSURE		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00	0.00		0.00		0.00		0.00
			% Balance		0.00%	0.00%		0.00%		0.00%		0.00%
			# Loans		0	0		0		0		0
			% # Loans		0.00%	0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00	1,~~324~~293,~~290~~147.1122		0880,925.0028		0.00		12,~~324~~174,~~290~~072.1150
			% Balance		0.00%	0.76%		0.0052%		0.00%		01.7627%
			# Loans		0	46		03		0		49
			% # Loans		0.00%	0.5686%		0.0043%		0.00%		01.5628%
Page 12 of 24
Page 12 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
REO Report
Loan Number			Original		Stated			Current		State &
													First
&			Principal		Principal	Paid to		Note		LTV at		Original		Payment
Loan Group			Balance		Balance	Date		Rate		Origination		Term		Date
SPACE INTENTIONALLY LEFT BLANK
TOTAL
Page 13 of 24
Page 13 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Foreclosure Report
Loan Number			Original		Stated			Current		State &
													First
&			Principal		Principal	Paid to		Note		LTV at		Original		Payment
Loan Group			Balance		Balance	Date		Rate		Origination		Term		Date
TOTAL
Page 14 of 24
Page 14 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Prepayment Report
VOLUNTARY PREPAYMENTS
										Group 2		Group 1		Total
Current
Number of Paid in Full Loans									410		2545		2955
Number of Repurchased Loans									20		57		7
Total Number of Loans Prepaid in Full									610		3052		3662
Curtailments Amount									25,~~805~~394.6320		169,~~861~~792.7291		1915,~~667~~187.3510
Paid in Full Balance									12,~~142~~462,~~957~~576.0409		48,~~353~~291,~~964~~892.9829		510,~~496~~754,~~922~~468.0237
Repurchased Loans Balance									~~788,887~~0.4900		~~578~~1,~~370~~532,842.1637		1,~~367~~532,~~257~~842.6537
Total Prepayment Amount									12,~~934~~467,~~650~~970.1629		49,~~949~~834,~~196~~527.8657		612,~~883~~302,~~847~~497.0284
Cumulative
Number of Paid in Full Loans									414		2570		2984
Number of Repurchased Loans									2		512		714
Total Number of Loans Prepaid in Full									616		3082		3698
Paid in Full Balance									13,~~142~~605,~~957~~533.0413		412,~~353~~645,~~964~~857.9827		516,~~496~~251,~~922~~390.0239
Repurchased Loans Balance									788,887.49		~~578~~2,~~370~~111,212.1653		12,~~367~~900,~~257~~100.6502
Curtailments Amount									28,~~805~~199.6383		1626,~~861~~654.7263		1934,~~667~~854.3545
Total Prepayment Amount									14,~~934~~402,~~650~~620.1645		414,~~949~~783,~~196~~724.8643		619,~~883~~186,~~847~~344.0286
Page 15 of 24
Page 15 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
VOLUNTARY PREPAYMENTS RATES
										Group 2		Group 1		Total
SMM									1.1043%		12.0408%		1.0591%
3 Months Avg SMM									1.1027%		1.0456%		1.0548%
12 Months Avg SMM									1.1027%		1.0456%		1.0548%
Avg SMM Since Cut-off									1.1027%		1.0456%		1.0548%
CPR									1215.4883%		1122.7532%		1120.9563%
3 Months Avg CPR									1214.4817%		1117.7521%		1116.9540%
12 Months Avg CPR									1214.4817%		1117.7521%		1116.9540%
Avg CPR Since Cut-off									1214.4817%		1117.7521%		1116.9540%
PSA									1,~~710~~706.1269%		12,~~549~~334.9033%		12,~~591~~174.7669%
3 Months Avg PSA Approximation									1,710.1217%		12,~~549~~007.9001%		1,~~591~~930.7639%
12 Months Avg PSA Approximation									1,710.1217%		12,~~549~~007.9001%		1,~~591~~930.7639%
Avg PSA Since Cut-off Approximation									1,710.1217%		12,~~549~~007.9001%		1,~~591~~930.7639%
Page 16 of 24
Page 16 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
PREPAYMENT CALCULATION METHODOLOGY
	Single Monthly Mortality (SMM): (Voluntary partial and full prepayments + Repurchases + Liquidations )/(Beg Principal Balance - Sched Principal)
	Conditional Prepayment Rate (CPR): 1-((1-SMM)^12)
	PSA Standard Prepayment Model: CPR/(0.002*min(30,WAS))
	Average SMM over period between nth month and mth month (AvgSMMn,m): [(1-SMMn)(1-SMMn+1)...*(1-SMMm)]^(1/months in period n,m)
	Average CPR over period between the nth month and mth month (AvgCPRn,m): 1-((1-AvgSMMn,m)^12)
	Average PSA Approximation over period between the nth month and mth month: AvgCPRn,m/(0.002*Avg WASn,m))
	Average WASn,m: (min(30,WASn)+min(30,WASn+1)+...+min(30,WASm)/(number of months in the period n,m)
	Weighted Average Seasoning (WAS)
	Note: Prepayment rates are calculated since deal issue date and include partial and full voluntary prepayments, liquidations, and repurchases.
	Dates correspond to distribution dates.
Page 17 of 24
Page 17 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Prepayment Detail Report
Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original						Current		State &		Type Prepayment		First
&		Loan	Principal		Prepayment		Prepayment		Note		LTV at		&		Payment
Loan Group		Status	Balance		Amount		Date		Rate		Origination		Original Term		Date
1000061794 1			116,450.00		115,555.04		01-Jan-1990		7.250%		IL - 84.69%		Paid Off - 360		02/01/2004
1000075250 1			228,750.00		227,470.46			7.220%		CA - 75.00%		Paid Off - 360		05/01/2004
1000072752 1			195,000.00		194,262.92		01-Jan-1990		7.470%		CA - 75.00%		Paid Off - 360		06/01/2004
1000087253 1			124,000.00		123,497.41			8.050%		CA - 79.95%		Paid Off - 360		06/01/2004
1000089828 2			385,000.00		#######		01-Jan-1990		6.240%		CA - 74.69%		Paid Off - 360		05/01/2004
1000095207 1			94,600.00		94,253.68			9.320%		IL - 69.49%		Paid Off - 360		05/01/2004
1000093430 2			344,250.00		342,515.17		01-Jan-1990		6.950%		CA - 84.86%		Paid Off - 360		05/01/2004
1000098716 1			180,000.00		178,961.77			6.250%		CA - 75.95%		Paid Off - 360		06/01/2004
1000099054 1			108,500.00		108,184.54		01-Jan-1990		8.770%		IL - 70.00%		Paid Off - 360		06/01/2004
1000105052 1			45,000.00		44,884.06			10.290%		CA - 100.00%		Paid Off - 180		07/01/2004
1000099313 1			105,000.00		104,694.27		01-Jan-1990		8.770%		IL - 69.96%		Paid Off - 360		06/01/2004
1000110092 1			248,000.00		246,904.66			7.620%		CA - 66.98%		Paid Off - 360		06/01/2004
1000103612 1			194,600.00		194,193.47		01-Jan-1990		9.270%		IL - 70.00%		Paid Off - 360		07/01/2004
1000111341 1			150,000.00		149,395.69			7.720%		CA - 78.95%		Paid Off - 360		07/01/2004
1000106941 1			138,000.00		137,574.30		01-Jan-1990		7.520%		NV - 73.80%		Paid Off - 360		07/01/2004
1000115547 1			135,000.00		134,524.09			7.820%		CA - 68.53%		Paid Off - 360		07/01/2004
1000110575 1			184,000.00		183,218.17		01-Jan-1990		6.875%		CA - 69.43%		Paid Off - 360		06/01/2004
1000117370 1			155,000.00		154,557.61			7.750%		CA - 72.09%		Paid Off - 360		08/01/2004
1000113714 1			218,000.00		217,104.37		01-Jan-1990		5.875%		CA - 69.87%		Paid Off - 360		07/01/2004
1000117842 1			135,000.00		134,506.67			7.640%		IL - 90.00%		Paid Off - 360		07/01/2004
1000114737 1			285,950.00		285,271.10		01-Jan-1990		8.670%		IL - 95.00%		Paid Off - 360		07/01/2004
1000118089 1			168,000.00		167,262.62			7.120%		CA - 69.89%		Paid Off - 360		07/01/2004
1000117695 1			174,250.00		173,745.63		01-Jan-1990		7.875%		CA - 85.00%		Paid Off - 360		07/01/2004
1000119091 1			184,000.00		183,405.55			7.120%		CA - 76.67%		Paid Off - 360		08/01/2004
1000125267 1			115,440.00		115,040.61		01-Jan-1990		6.770%		IL - 78.00%		Paid Off - 360		07/01/2004
1000119596 1			285,000.00		283,446.14			5.570%		CA - 75.00%		Paid Off - 360		07/01/2004
1000128158 1			168,750.00		168,194.02		01-Jan-1990		7.020%		CA - 75.00%		Paid Off - 360		07/01/2004
1000119608 1			261,000.00		259,928.26			7.050%		CA - 90.00%		Paid Off - 360		07/01/2004
1000130533 1			99,750.00		99,521.23		01-Jan-1990		8.820%		IL - 75.00%		Paid Off - 360		07/01/2004
1000119899 1			250,000.00		248,824.26			6.350%		IL - 88.03%		Paid Off - 360		07/01/2004
1000131624 2			375,000.00		373,722.63		14-Oct-2004		6.850%		CA - 73.53%		Paid Off - 360		07/01/2004
1000120688 1			172,904.00		172,904.00			6.350%		CA - 80.00%		Paid Off - 360		07/01/2004
1000136720 1			180,000.00		179,449.35		01-Jan-1990		5.900%		CA - 69.23%		Paid Off - 360		08/01/2004
1000120756 1			43,226.00		43,131.83			10.150%		CA - 100.00%		Paid Off - 180		07/01/2004
1000141063 1			208,800.00		208,332.21		01-Jan-1990		7.500%		CA - 80.00%		Paid Off - 360		08/01/2004
1000121296 1			116,000.00		115,443.88			6.250%		CA - 79.45%		Paid Off - 360		07/01/2004
1000144516 1			176,000.00		175,560.37		15-Oct-2004		6.950%		CA - 80.00%		Paid Off - 360		08/01/2004
1000121724 1			204,250.00		203,398.06			6.970%		CA - 95.00%		Paid Off - 360		07/01/2004
1000144628 2			44,000.00		43,944.05		15-Oct-2004		10.240%		CA - 100.00%		Paid Off - 180		08/01/2004
1000122444 1			144,000.00		143,461.04			7.520%		IL - 80.00%		Paid Off - 360		07/01/2004
1000151187 1			236,550.00		236,239.17		26-Oct-2004		8.120%		UT - 95.00%		Paid Off - 360		09/01/2004
1000123704 1			150,000.00		149,507.19			8.170%		CA - 65.22%		Paid Off - 360		07/01/2004
1000158667 1			297,500.00		296,846.65		18-Oct-2004		7.600%		CA - 85.00%		Paid Off - 360		08/01/2004
1000123973 1			244,375.00		243,339.47			6.900%		CA - 85.00%		Paid Off - 360		07/01/2004
1000174519 1			315,000.00		315,000.00		27-Oct-2004		7.260%		IL - 90.00%		Paid Off - 360		09/01/2004
1000124480 1			138,000.00		137,496.73			7.650%		IL - 86.25%		Paid Off - 360		07/01/2004
1000176735 1			85,001.00		84,890.09		27-Oct-2004		8.155%		UT - 43.59%		Paid Off - 360		09/01/2004
1000124952 2			556,700.00		554,091.71			6.750%		IL - 84.99%		Paid Off - 360		07/01/2004
1000189447 1			280,000.00		280,000.00		28-Oct-2004		6.995%		CA - 80.00%		Paid Off - 360		09/01/2004
1000125111 1			130,000.00		129,491.84			7.345%		CA - 60.94%		Paid Off - 360		07/01/2004
1000189458 1			70,000.00		69,939.37		28-Oct-2004		10.120%		CA - 100.00%		Paid Off - 180		09/01/2004
1000125256 1			236,000.00		234,932.18			6.700%		NV - 80.00%		Paid Off - 360		07/01/2004
1000190269 1			182,500.00		182,232.04		14-Oct-2004		7.570%		CA - 50.69%		Paid Off - 360		09/01/2004
1000125289 1			59,000.00		58,873.86			10.240%		NV - 100.00%		Paid Off - 180		07/01/2004
1000198391 1			42,000.00		41,899.77		15-Oct-2004		10.120%		UT - 100.00%		Paid Off - 180		10/01/2004
1000126189 1			270,000.00		268,714.97			6.290%		CA - 90.00%		Paid Off - 360		07/01/2004
1000203466 1			187,200.00		187,016.29		21-Oct-2004		6.075%		CA - 78.00%		Paid Off - 360		10/01/2004
1000127438 2			520,000.00		520,000.00			7.270%		CA - 80.00%		Paid Off - 360		07/01/2004
1000145179 2			340,000.00		338,597.46		01-Jan-1990		6.050%		TX - 79.91%		Repur/Subs - 360		08/01/2004
1000127450 1			65,000.00		64,862.54			10.290%		CA - 90.00%		Paid Off - 180		07/01/2004
1000161290 1			97,600.00		97,376.33		01-Jan-1990		7.150%		TX - 80.00%		Repur/Subs - 360		08/01/2004
1000127887 1			292,500.00		291,089.73			6.220%		IL - 75.00%		Paid Off - 360		07/01/2004
1000164439 1			155,550.00		155,155.29		01-Jan-1990		6.870%		IL - 85.00%		Repur/Subs - 360		09/01/2004
1000129216 1			185,900.00		185,383.53			8.990%		CA - 65.00%		Paid Off - 360		07/01/2004
1000169052 1			120,000.00		119,735.39		01-Jan-1990		7.580%		CA - 80.00%		Repur/Subs - 360		09/01/2004
1000129733 1			240,000.00		239,276.51			7.470%		CA - 80.00%		Paid Off - 360		08/01/2004
1000170144 1			96,800.00		96,643.47		01-Jan-1990		9.100%		CA - 80.00%		Repur/Subs - 360		09/01/2004
1000131758 1			231,000.00		228,248.33			5.550%		CA - 66.00%		Paid Off - 360		08/01/2004
1000183812 2			450,500.00		449,671.21		01-Jan-1990		8.475%		CA - 83.43%		Repur/Subs - 360		09/01/2004
1000132243 1			275,800.00		274,495.42			6.320%		CA - 68.95%		Paid Off - 360		07/01/2004
1000221286 1			109,250.00		109,092.92		01-Jan-1990		7.675%		UT - 95.00%		Repur/Subs - 360		10/01/2004
1000134155 2			346,500.00		345,732.76			8.990%		IL - 70.00%		Paid Off - 360		08/01/2004
TOTAL			6,882,191.00		6,863,194.09
1000138508 1			205,000.00		204,317.93			6.970%		CA - 64.06%		Paid Off - 360		08/01/2004
Page 18 of 24
Page 18 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original						Current		State &		Type Prepayment		First
&		Loan	Principal		Prepayment		Prepayment		Note		LTV at		&		Payment
Loan Group		Status	Balance		Amount		Date		Rate		Origination		Original Term		Date
1000139307 1			175,800.00		175,262.09			7.395%		CA - 60.00%		Paid Off - 360		08/01/2004
1000141085 2			52,200.00		52,111.30			10.250%		CA - 100.00%		Paid Off - 180		08/01/2004
1000141603 1			300,000.00		299,086.61			7.420%		IL - 80.00%		Paid Off - 360		08/01/2004
1000141669 2			75,000.00		74,880.23			10.540%		IL - 100.00%		Paid Off - 180		08/01/2004
1000142840 1			297,000.00		296,153.35			7.750%		IL - 90.00%		Paid Off - 360		08/01/2004
1000143885 1			148,000.00		147,481.35			7.990%		MO - 80.00%		Paid Off - 360		08/01/2004
1000148217 2			344,000.00		344,000.00			5.900%		CA - 80.00%		Paid Off - 360		08/01/2004
1000150388 1			157,500.00		157,083.23			8.120%		IL - 90.00%		Paid Off - 360		08/01/2004
1000150883 1			150,000.00		149,572.40			7.750%		CA - 75.00%		Paid Off - 360		08/01/2004
1000155732 2			373,210.00		373,210.00			7.550%		CA - 80.00%		Paid Off - 360		08/01/2004
1000155923 2			93,303.00		93,150.78			10.440%		CA - 100.00%		Paid Off - 180		08/01/2004
1000161616 1			332,665.00		331,775.30			6.600%		CA - 80.00%		Paid Off - 360		09/01/2004
1000161694 2			83,166.00		83,049.64			9.790%		CA - 100.00%		Paid Off - 180		09/01/2004
1000162819 2			22,389.90		22,349.67			9.990%		NV - 95.00%		Paid Off - 180		08/01/2004
1000166116 1			117,000.00		116,753.15			7.800%		IL - 58.50%		Paid Off - 360		09/01/2004
1000176511 1			224,000.00		223,443.22			6.975%		CA - 74.92%		Paid Off - 360		09/01/2004
1000179604 1			176,000.00		175,581.88			7.205%		CA - 80.00%		Paid Off - 360		09/01/2004
1000185038 1			200,000.00		199,507.72			7.025%		CA - 64.52%		Paid Off - 360		09/01/2004
1000150119 1			176,000.00		175,585.15			7.250%		CA - 78.57%		Repur/Subs - 360		09/01/2004
1000162583 1			243,800.00		243,280.42			7.750%		IL - 92.00%		Repur/Subs - 360		09/01/2004
1000173080 1			232,000.00		231,664.77			7.650%		IL - 80.00%		Repur/Subs - 360		10/01/2004
1000181562 1			184,000.00		184,000.00			6.930%		CA - 89.76%		Repur/Subs - 360		09/01/2004
1000182495 1			269,600.00		269,052.55			7.990%		CA - 80.00%		Repur/Subs - 360		09/01/2004
1000188435 1			254,800.00		254,548.34			9.500%		CA - 70.00%		Repur/Subs - 360		10/01/2004
1000197503 1			175,000.00		174,711.14			6.980%		CO - 71.43%		Repur/Subs - 360		10/01/2004
TOTAL			12,325,938.90		12,287,310.74
Page 19 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
December 27, 2004 Distribution
Realized Loss Report
COLLATERAL REALIZED LOSSES
										Group 2		Group 1		Total
Current
Number of Loans Liquidated									0		0		0
Collateral Principal Realized Loss/(Gain) Amount									0.00		0.00		0.00
Collateral Interest Realized Loss/(Gain) Amount									0.00		0.00		0.00
Net Liquidation Proceeds									0.00		0.00		0.00
Cumulative
Number of Loans Liquidated									0		0		0
Collateral Realized Loss/(Gain) Amount									0.00		0.00		0.00
Net Liquidation Proceeds									0.00		0.00		0.00
Page 19 of 24
Page 20 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
DEFAULT SPEEDS
										Group 2		Group 1		Total
MDR									0.00%		0.00%		0.00%
3 Months Avg MDR									0.00%		0.00%		0.00%
12 Months Avg MDR									0.00%		0.00%		0.00%
Avg MDR Since Cut-off									0.00%		0.00%		0.00%
CDR									0.00%		0.00%		0.00%
3 Months Avg CDR									0.00%		0.00%		0.00%
12 Months Avg CDR									0.00%		0.00%		0.00%
Avg CDR Since Cut-off									0.00%		0.00%		0.00%
SDA									0.00%		0.00%		0.00%
3 Months Avg SDA Approximation									0.00%		0.00%		0.00%
12 Months Avg SDA Approximation									0.00%		0.00%		0.00%
Avg SDA Since Cut-off Approximation									0.00%		0.00%		0.00%
Loss Severity Approximation for Current Period									0.00%		0.00%		0.00%
3 Months Avg Loss Severity Approximation									0.00%		0.00%		0.00%
12 Months Avg Loss Severity Approximation									0.00%		0.00%		0.00%
Avg Loss Severity Approximation Since Cut-off									0.00%		0.00%		0.00%
Page 20 of 24
Page 21 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
COLLATERAL REALIZED LOSS CALCULATION METHODOLOGY
	Monthly Default Rate (MDR): (Beg Principal Balance of Liquidated Loans)/(Total Beg Principal Balance)
	Conditional Default Rate (CDR): 1-((1-MDR)^12)
	SDA Standard Default Assumption: CDR/IF(WAS<61,MIN(30,WAS)0.02,MAX(0.03,MIN(30,WAS)0.02-0.0095*(WAS-60)))
	Average MDR over period between nth month and mth month (AvgMDRn,m): [(1-MDRn)(1-MDRn+1)...*(1-MDRm)]^(1/months in period n,m)
	Average CDR over period between the nth month and mth month (AvgCDRn,m): 1-((1-AvgMDRn,m)^12)
	Average SDA Approximation over period between the nth month and mth month:
	AvgCDRn,m/IF(Avg WASn,m<61,MIN(30,Avg WASn,m)0.02,MAX(0.03,MIN(30,Avg WASn,m)0.02-0.0095*(Avg WASn,m-60)))
	Average WASn,m: (WASn + WASn+1 +...+ WASm )/(number of months in the period n,m)
	Loss Severity Approximation for current period: sum(Realized Loss Amount)/sum(Beg Principal Balance of Liquidated Loans)
	Average Loss Severity Approximation over period between nth month and mth month: Avg(Loss Severityn,m)
	Note: Default rates are calculated since deal issue date and include realized gains and additional realized losses and gains from prior periods.
	Dates correspond to distribution dates.
Page 21 of 24
Page 22 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Realized Loss Detail Report
Loan Number			Current		State &			Prior		Realized				Cumulative
&		Loan	Note		LTV at	Original		Principal		Loss/(Gain)		Realized		Realized
Loan Group		Status	Rate		Origination	Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)
TOTAL
Page 22 of 24
Page 23 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Triggers and Adj. Cert. Report
TRIGGER EVENTS
									Group 2		Group 1		Total
Trigger Event in effect (0=No , 1=Yes)													0
Stepdown Date has occurred (0 = No, 1=Yes)													0
Balances 60+ days includes Bankruptcy and Foreclosure													0.00
Delinquency Percentage													0.~~0000~~2800%
Balance of Mezzanine and C Class													106,099,~~820~~272.4879
Ending Balance													~~645~~632,~~624~~892,~~102~~480.2183
Credit Enhancement Percentage													18.~~2000~~5700%
ADJUSTABLE RATE CERTIFICATE INFORMATION
SPACE INTENTIONALLY LEFT BLANK
ADDITIONAL INFORMATION
SPACE INTENTIONALLY LEFT BLANK
Page 23 of 24
Page 24 of 25
Citigroup Mortgage Loan Trust 2004-RES1
Mortgage Pass-Through Certificates
2004-RES1
November 26, 2004 Distribution
December 27, 2004 Distribution
Additional Certificate Report
ADDITIONAL CERTIFICATE REPORT
CLASS
Page 24 of 24
Page 25 of 25

Filing Compare · Citigroup Mortgage Loan Trust, Series 2004-RES1