

                                    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 27, 2005
                             (Date of earliest event reported)


                                Citigroup Mortgage Loan Trust Inc.
              (as Depositor under the Pooling and Servicing Agreement, dated as
               February 1, 2005, providing for the issuance of Asset Backed
                          Pass-Through Certificates, Series 2005-OPT1)
                      (Exact name of registrant as specified in charter)


                                         DELAWARE
                     (State or Other Jurisdiction of Incorporation)

               333-117349-10                        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
     2005-OPT1 Asset Backed Pass-Through Certificates, Series 2005-OPT1,
     which was made on February 1, 2005

     Item 9.01 Financial Statements and Exhibits.

     (c) Exhibits

     Exhibit No. Description

     99.1 Monthly Remittance Statement to the Certificateholders dated as of
     June 27, 2005.

                                  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:  Jun 30, 2005               By:  /s/  Katherine M. Wannenmacher
                                            Katherine M. Wannenmacher
                                            Vice President



                                   EXHIBIT INDEX

          DOCUMENT

       99.1 Monthly Remittance Statement to the Certificateholders dated as of
               June 27, 2005.



Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

				External Parties						Table of Contents

													Page
				Seller									Page
				Seller						1. Certificate Payment Report					2
				Citigroup Mrtg. Loan Trust						1. Certificate Payment Report					2
				Citigroup Mrtg. Loan Trust						2. Collection Account Report					4
										2. Collection Account Report					4
										3. Credit Enhancement Report					6
										4. Collateral Report					7
				Certificate Insurer(s)						5. Delinquency Report					10
				Certificate Insurer(s)						5. Delinquency Report					10
										6. REO Report					11

										7. Foreclosure Report					12
										8. Prepayment Report					13
										9. Prepayment Detail Report					16
										9. Prepayment Detail Report					16
										10. Realized Loss Report					20
										11. Realized Loss Detail Report					23
				Servicer(s)						11. Realized Loss Detail Report					23
				Servicer(s)						12. Triggers and Adj. Cert. Report					24
				Option One						12. Triggers and Adj. Cert. Report					24
				Option One						13. Additional Certificate Report					25
										13. Additional Certificate Report					25


				Underwriter(s)
				Citigroup


										Total Number of Pages					25
										Total Number of Pages

				Dates						Contacts

				Cut-Off Date:			February 01, 2005			Brent Hoyler
				Close Date:			January 28, 2005			Administrator
				First Distribution Date:			March 25, 2005			(714) 247-6322
										Brent.Hoyler@db.com
										Brent.Hoyler@db.com
										Address:
										1761 East St. Andrew Place, Santa Ana, CA 92705
				Distribution Date:			June 27, 2005
										Factor Information:			(800) 735-7777
				Record Date:			May 31, 2005			Factor Information:			(800) 735-7777
										Main Phone Number:			(714) 247-6000

							June 24, 2005
							June 24, 2005

										https://www.tss.db.com/invr






Page 1 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Certificate Payment Report
Current Period Distribution -
					Prior												Current
	Class		Original		Principal						Total		Realized		Deferred		Principal
	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-1A	SR	$	290,150,000.00		250,948,933.04		731,516.14		25,033,727.75		25,765,243.89		0.00		0.00		225,915,205.29
A-1A	SR	$	290,150,000.00		250,948,933.04		731,516.14		25,033,727.75		25,765,243.89		0.00		0.00		225,915,205.29
A-1B	SR	$	314,286,000.00		314,286,000.00		950,715.15		0.00		950,715.15		0.00		0.00		314,286,000.00
A-1C	SR	$	46,279,600.00		46,279,600.00		145,935.01		0.00		145,935.01		0.00		0.00		46,279,600.00
M-1	MEZ	$	29,707,600.00		29,707,600.00		95,584.20		0.00		95,584.20		0.00		0.00		29,707,600.00
M-2	MEZ	$	24,010,300.00		24,010,300.00		77,693.33		0.00		77,693.33		0.00		0.00		24,010,300.00
M-3	MEZ	$	15,464,300.00		15,464,300.00		50,465.17		0.00		50,465.17		0.00		0.00		15,464,300.00
M-4	MEZ	$	13,429,500.00		13,429,500.00		46,656.32		0.00		46,656.32		0.00		0.00		13,429,500.00
M-5	MEZ	$	13,022,600.00		13,022,600.00		45,600.80		0.00		45,600.80		0.00		0.00		13,022,600.00
M-6	MEZ	$	11,801,700.00		11,801,700.00		41,650.17		0.00		41,650.17		0.00		0.00		11,801,700.00
M-7	MEZ	$	10,173,900.00		10,173,900.00		40,381.90		0.00		40,381.90		0.00		0.00		10,173,900.00
M-8	MEZ	$	6,511,300.00		6,511,300.00		26,142.87		0.00		26,142.87		0.00		0.00		6,511,300.00
M-9	MEZ/NOF	$	8,139,100.00		8,139,100.00		39,840.89		0.00		39,840.89		0.00		0.00		8,139,100.00
M-10	MEZ/NOF	$	8,953,000.00		8,953,000.00		43,824.94		0.00		43,824.94		0.00		0.00		8,953,000.00
CE	NOF	$	21,975,407.42		21,975,419.00		1,915,903.03		0.00		1,915,903.03		0.00		0.00		21,975,419.00
P	NOF	$	100.00		100.00		393,273.38		0.00		393,273.38		0.00		0.00		100.00
R	NOF/NPR	$	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			813,904,407.42		774,703,352.04		4,645,183.30		25,033,727.75		29,678,911.05		0.00		0.00		749,669,624.29
Total




Interest Accrual Detail Current Period Factor Information per $1,000 of Original Face-
									Orig. Principal		Prior							Current
									Orig. Principal		Prior							Current
	Period		Period						(with Notional)		Principal						Total	Principal
	Period		Period
Class	Starting		Ending		Method		Cusip		Balance		Balance		Interest		Principal		Distribution	Balance

									(1)		(1)		(2)		(3)		(4)=(2)+(3)	(5)
A-1A	05/25/05		06/26/05		A-Act/360		17307GNN4		290,150,000.00		864.893790		2.521165		86.278572		88.799738	778.615217
A-1B	05/25/05		06/26/05		A-Act/360		17307GNP9		314,286,000.00		1,000.000000		3.025000		0.000000		3.025000	1,000.000000
A-1C	05/25/05		06/26/05		A-Act/360		17307GNQ7		46,279,600.00		1,000.000000		3.153333		0.000000		3.153333	1,000.000000
M-1	05/25/05		06/26/05		A-Act/360		17307GNR5		29,707,600.00		1,000.000000		3.217500		0.000000		3.217500	1,000.000000
M-2	05/25/05		06/26/05		A-Act/360		17307GNS3		24,010,300.00		1,000.000000		3.235833		0.000000		3.235833	1,000.000000
M-3	05/25/05		06/26/05		A-Act/360		17307GNT1		15,464,300.00		1,000.000000		3.263334		0.000000		3.263334	1,000.000000
M-4	05/25/05		06/26/05		A-Act/360		17307GNU8		13,429,500.00		1,000.000000		3.474167		0.000000		3.474167	1,000.000000
M-5	05/25/05		06/26/05		A-Act/360		17307GNV6		13,022,600.00		1,000.000000		3.501666		0.000000		3.501666	1,000.000000
M-6	05/25/05		06/26/05		A-Act/360		17307GNW4		11,801,700.00		1,000.000000		3.529167		0.000000		3.529167	1,000.000000
M-7	05/25/05		06/26/05		A-Act/360		17307GNX2		10,173,900.00		1,000.000000		3.969166		0.000000		3.969166	1,000.000000
M-8	05/25/05		06/26/05		A-Act/360		17307GNY0		6,511,300.00		1,000.000000		4.015000		0.000000		4.015000	1,000.000000
M-9	05/25/05		06/26/05		A-Act/360		17307GNZ7		8,139,100.00		1,000.000000		4.894999		0.000000		4.894999	1,000.000000
M-10	05/25/05		06/26/05		A-Act/360		17307GPA0		8,953,000.00		1,000.000000		4.895001		0.000000		4.895001	1,000.000000
CE	05/25/05		06/24/05		A-30/360		CI05O101C		21,975,407.42		1,000.000527		87.183959		0.000000		87.183959	1,000.000527
P	05/25/05		06/24/05		CI05O101P		100.00		1,000.000000		3,932,733.800000		0.000000		3,932,733.800000		1,000.000000
R	05/25/05		06/24/05		CI05O101R		0.00		0.000000		0.000000		0.000000		0.000000		0.000000




Page 2 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

Distribution to Date -
																	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-1A	290,150,000.00		3,091,268.38		61,840,606.11		2,394,188.60		64,234,794.71		67,326,063.09		0.00		0.00		225,915,205.29
A-1B	314,286,000.00		3,724,812.91		0.00		0.00		0.00		3,724,812.91		0.00		0.00		314,286,000.00
A-1C	46,279,600.00		573,507.09		0.00		0.00		0.00		573,507.09		0.00		0.00		46,279,600.00
M-1	29,707,600.00		376,172.49		0.00		0.00		0.00		376,172.49		0.00		0.00		29,707,600.00
M-2	24,010,300.00		305,884.55		0.00		0.00		0.00		305,884.55		0.00		0.00		24,010,300.00
M-3	15,464,300.00		198,802.18		0.00		0.00		0.00		198,802.18		0.00		0.00		15,464,300.00
M-4	13,429,500.00		184,569.83		0.00		0.00		0.00		184,569.83		0.00		0.00		13,429,500.00
M-5	13,022,600.00		180,486.00		0.00		0.00		0.00		180,486.00		0.00		0.00		13,022,600.00
M-6	11,801,700.00		164,932.05		0.00		0.00		0.00		164,932.05		0.00		0.00		11,801,700.00
M-7	10,173,900.00		161,038.71		0.00		0.00		0.00		161,038.71		0.00		0.00		10,173,900.00
M-8	6,511,300.00		104,321.88		0.00		0.00		0.00		104,321.88		0.00		0.00		6,511,300.00
M-9	8,139,100.00		160,570.86		0.00		0.00		0.00		160,570.86		0.00		0.00		8,139,100.00
M-10	8,953,000.00		176,627.77		0.00		0.00		0.00		176,627.77		0.00		0.00		8,953,000.00
CE	21,975,407.42		8,055,431.93		0.00		0.00		0.00		8,055,431.93		0.00		11.58		21,975,419.00
P	100.00		965,420.40		0.00		0.00		0.00		965,420.40		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


Total	813,904,407.42		18,423,847.03		61,840,606.11		2,394,188.60		64,234,794.71		82,658,641.74		0.00		11.58		749,669,624.29


Interest Detail -
	Pass		Prior Principal				Non-		Prior		Unscheduled				Paid or		Current
	Pass		Prior Principal				Non-		Prior		Unscheduled				Paid or

	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-1A	3.18000%		250,948,933.04		731,516.14		0.00		0.00		0.00		731,516.14		731,516.14		0.00
A-1B	3.30000%		314,286,000.00		950,715.15		0.00		0.00		0.00		950,715.15		950,715.15		0.00
A-1C	3.44000%		46,279,600.00		145,935.01		0.00		0.00		0.00		145,935.01		145,935.01		0.00
M-1	3.51000%		29,707,600.00		95,584.20		0.00		0.00		0.00		95,584.20		95,584.20		0.00
M-2	3.53000%		24,010,300.00		77,693.33		0.00		0.00		0.00		77,693.33		77,693.33		0.00
M-3	3.56000%		15,464,300.00		50,465.17		0.00		0.00		0.00		50,465.17		50,465.17		0.00
M-4	3.79000%		13,429,500.00		46,656.32		0.00		0.00		0.00		46,656.32		46,656.32		0.00
M-5	3.82000%		13,022,600.00		45,600.80		0.00		0.00		0.00		45,600.80		45,600.80		0.00
M-6	3.85000%		11,801,700.00		41,650.17		0.00		0.00		0.00		41,650.17		41,650.17		0.00
M-7	4.33000%		10,173,900.00		40,381.90		0.00		0.00		0.00		40,381.90		40,381.90		0.00
M-8	4.38000%		6,511,300.00		26,142.87		0.00		0.00		0.00		26,142.87		26,142.87		0.00
M-9	5.34000%		8,139,100.00		39,840.89		0.00		0.00		0.00		39,840.89		39,840.89		0.00
M-10	5.34000%		8,953,000.00		43,824.94		0.00		0.00		0.00		43,824.94		43,824.94		0.00
CE	104.62070%		21,975,419.00		1,915,903.03		0.00		0.00		0.00		1,915,903.03		1,915,903.03		0.00
P	0.00000%		100.00		0.00		0.00		0.00		0.00		0.00		393,273.38		0.00
R	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			774,703,352.04		4,251,909.92		0.00		0.00		0.00		4,251,909.92		4,645,183.30		0.00



Page 3 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
														Total
Principal Collections														25,033,727.75
Principal Withrawals														0.00
Principal Other Accounts														0.00
TOTAL NET PRINCIPAL														25,033,727.75
Interest Collections														4,388,548.51
Interest Withdrawals														-0.00
Interest Other Accounts														393,273.38
Interest Fees														-136,638.58
TOTAL NET INTEREST														4,645,183.31
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION														29,678,911.06



PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
															Total
Scheduled Principal Received															583,110.70
Prepayments In Full															24,117,070.04
Curtailments															333,547.01
Liquidations															0.00
Insurance Principal															0.00
Repurchased Principal Amounts															0.00
Other Principal															0.00
Total Realized Loss Of Principal															-0.00
Delinquent Principal															-185,009.55
Advanced Principal															185,009.55
TOTAL PRINCIPAL COLLECTED															25,033,727.75


PRINCIPAL - WITHDRAWALS

SPACE INTENTIONALLY LEFT BLANK



PRINCIPAL - OTHER ACCOUNTS
PRINCIPAL - OTHER ACCOUNTS
														Total
TOTAL OTHER ACCOUNTS PRINCIPAL														0.00





Page 4 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
														Total
Scheduled Interest														4,448,813.70
Liquidation Interest														0.00
Repurchased Interest														0.00
Insurance Interest														0.00
Other Interest														0.00
Relief Act Interest Shortfalls														-0.00
Prepayment Interest Shortfalls														-15,235.08
Compensating Interest														15,235.08
Delinquent Interest														-1,433,746.86
Interest Advanced														1,373,481.67
TOTAL INTEREST COLLECTED														4,388,548.51


INTEREST - WITHDRAWALS
INTEREST - WITHDRAWALS
														Total
Nonrecoverable Advances														0.00
TOTAL INTEREST WITHDRAWALS														0.00



INTEREST - OTHER ACCOUNTS
INTEREST - OTHER ACCOUNTS
														Total
Prepayment Charges														393,273.38
TOTAL INTEREST OTHER ACCOUNTS														393,273.38



INTEREST - FEES
INTEREST - FEES
														Total
Current Servicing Fees														133,410.64
Current Trustee Fees														3,227.93
TOTAL INTEREST OTHER FEES														136,638.58




Page 5 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Credit Enhancement Report
ACCOUNTS


SPACE INTENTIONALLY LEFT BLANK





INSURANCE

SPACE INTENTIONALLY LEFT BLANK



STRUCTURAL FEATURES
STRUCTURAL FEATURES
														Total
Begining Overcollateralization Amount														21,975,419.00
Ending Overcollateralized Amount														21,975,419.00
Overcollateralization Release Amount														0.00
Overcollateralization Deficiency Amount														0.00
Overcollateralization Target Amount														21,975,419.00



Page 6 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Collateral Report


COLLATERAL



															Total



Loan Count:


Original														4,506
Prior														4,307
Prefunding														0
Scheduled Paid Offs														-0
Full Voluntary Prepayments														-123
Repurchases														-0
Liquidations														-0
Current														4,184
Principal Balance:


Original														813,904,407.42
Prior														774,703,352.04
Prefunding														0.00
Scheduled Principal														-583,110.70
Partial Prepayments														-333,547.01
Full Voluntary Prepayments														-24,117,070.04
Repurchases														-0.00
Liquidations														-0.00
Current														749,669,624.29





PREFUNDING

SPACE INTENTIONALLY LEFT BLANK






Page 7 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
														Total
Weighted Average Coupon Original														6.90286%
Weighted Average Coupon Prior														#######
Weighted Average Coupon Current														6.89112%
Weighted Average Months to Maturity Original														354
Weighted Average Months to Maturity Prior														352
Weighted Average Months to Maturity Current														351
Weighted Avg Remaining Amortization Term Original														354
Weighted Avg Remaining Amortization Term Prior														352
Weighted Avg Remaining Amortization Term Current														351
Weighted Average Seasoning Original														3.28
Weighted Average Seasoning Prior														5.28
Weighted Average Seasoning Current														6.27









Page 8 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

ARM CHARACTERISTICS
ARM CHARACTERISTICS
														Total
Weighted Average Margin Original														4.98711%
Weighted Average Margin Prior														4.98538%
Weighted Average Margin Current														4.98471%
Weighted Average Max Rate Original														12.85988%
Weighted Average Max Rate Prior														12.85047%
Weighted Average Max Rate Current														12.84861%
Weighted Average Min Rate Original														6.85783%
Weighted Average Min Rate Prior														6.84943%
Weighted Average Min Rate Current														6.84755%
Weighted Average Cap Up Original														1.00017%
Weighted Average Cap Up Prior														1.00017%
Weighted Average Cap Up Current														1.00017%
Weighted Average Cap Down Original														1.00017%
Weighted Average Cap Down Prior														1.00017%
Weighted Average Cap Down Current														1.00017%




SERVICING FEES & ADVANCES

															Total




Current Servicing Fees														133,410.64
Delinquent Servicing Fees														60,265.19
TOTAL SERVICING FEES														193,675.84


Compensating Interest														-15,235.08
Delinquent Servicing Fees														-60,265.19
COLLECTED SERVICING FEES														118,175.56


Aggregate Advances with respect to this Distribution														1,558,491.22





ADDITIONAL COLLATERAL INFORMATION
														Total
Net Prepayment Interest Shortfall														0.00
Libor For Current Period														3.0900%




Page 9 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				6,597,164.55		4,312,846.25		1,124,129.59		12,034,140.39
			% Balance				0.88%		0.58%		0.15%		1.61%
			# Loans				29		25		6		60
			% # Loans				0.69%		0.60%		0.14%		1.43%
	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		6,597,164.55		4,312,846.25		1,124,129.59		12,034,140.39
			% Balance		0.00%		0.88%		0.58%		0.15%		1.61%
			# Loans		0		29		25		6		60
			% # Loans		0.00%		0.69%		0.60%		0.14%		1.43%









Page 10 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 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




TOTAL



Page 11 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 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 12 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

															Total




Current


Number of Paid in Full Loans														123
Number of Repurchased Loans														0
Total Number of Loans Prepaid in Full														123
Curtailments Amount														333,547.01
Paid in Full Balance														24,117,070.04
Repurchased Loans Balance														0.00
Total Prepayment Amount														24,450,617.05

Cumulative


Number of Paid in Full Loans														322
Number of Repurchased Loans														0
Total Number of Loans Prepaid in Full														322
Paid in Full Balance														60,838,886.10
Repurchased Loans Balance														0.00
Curtailments Amount														1,001,709.00
Total Prepayment Amount														61,840,595.10










Page 13 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

															Total



SMM														3.16%
3 Months Avg SMM														2.13%
12 Months Avg SMM														1.96%
Avg SMM Since Cut-off														1.96%


CPR														31.96%
3 Months Avg CPR														22.76%
12 Months Avg CPR														21.15%
Avg CPR Since Cut-off														21.15%


PSA														2,548.85%
3 Months Avg PSA Approximation														2,155.69%
12 Months Avg PSA Approximation														2,211.90%
Avg PSA Since Cut-off Approximation														2,211.90%










Page 14 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 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/(0.002min(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) Conditional Prepayment Rate (CPR): 1-((1-SMM)^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) Dates correspond to distribution dates. Note: Prepayment rates are calculated since deal issue date and include partial and full voluntary prepayments, liquidations, and repurchases.













Page 15 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Prepayment Detail Report
Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original							Current		State &		Type Prepayment		First
Loan Number			Original							Current		State &		Type Prepayment

&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment

Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date

11071892 1			172,077.00		171,070.83			19-May-2005		5.600%		CA - 73.22%		Paid Off - 360		01-Jan-2005
			172,077.00

11071934 1			190,000.00		188,861.68			25-May-2005		6.050%		CA - 68.35%		Paid Off - 360		01-Dec-2004
11071934 1					188,861.68			25-May-2005		6.050%		CA - 68.35%		Paid Off - 360		01-Dec-2004
11071960 1			110,000.00		109,695.53			17-May-2005		9.900%		CA - 51.33%		Paid Off - 360		01-Dec-2004
11071960 1					109,695.53			17-May-2005		9.900%		CA - 51.33%		Paid Off - 360		01-Dec-2004
21059672 1			459,343.00		459,343.00			06-Jun-2005		6.598%		CA - 80.00%		Paid Off - 360		01-Jan-2005
21059672 1					459,343.00			06-Jun-2005		6.598%		CA - 80.00%		Paid Off - 360		01-Jan-2005
21059812 1			399,557.00		397,178.04			27-May-2005		6.900%		HI - 90.00%		Paid Off - 360		01-Nov-2004
21059812 1					397,178.04			27-May-2005		6.900%		HI - 90.00%		Paid Off - 360		01-Nov-2004
21060535 1			544,500.00		544,500.00			24-May-2005		7.600%		CA - 90.00%		Paid Off - 360		01-Jan-2005
21060535 1					544,500.00			24-May-2005		7.600%		CA - 90.00%		Paid Off - 360		01-Jan-2005
21060641 1			200,000.00		199,115.10			17-May-2005		6.750%		CA - 39.60%		Paid Off - 360		01-Jan-2005
21060641 1					199,115.10			17-May-2005		6.750%		CA - 39.60%		Paid Off - 360		01-Jan-2005
21060721 1			190,000.00		189,017.27			01-Jun-2005		5.850%		CA - 72.24%		Paid Off - 360		01-Jan-2005
21060721 1					189,017.27			01-Jun-2005		5.850%		CA - 72.24%		Paid Off - 360		01-Jan-2005
21060817 1			238,000.00		236,859.04			01-Jun-2005		6.250%		CA - 85.00%		Paid Off - 360		01-Jan-2005
21060817 1					236,859.04			01-Jun-2005		6.250%		CA - 85.00%		Paid Off - 360		01-Jan-2005
31029890 1			94,575.00		93,290.98			17-May-2005		9.600%		CA - 79.94%		Paid Off - 360		01-Dec-2004
31029890 1					93,290.98			17-May-2005		9.600%		CA - 79.94%		Paid Off - 360		01-Dec-2004
31030269 1			120,000.00		119,349.51			10-Jun-2005		5.600%		CA - 80.00%		Paid Off - 360		01-Jan-2005
31030269 1					119,349.51			10-Jun-2005		5.600%		CA - 80.00%		Paid Off - 360		01-Jan-2005
31030272 1			562,000.00		559,027.00			07-Jun-2005		6.700%		CA - 66.90%		Paid Off - 360		01-Dec-2004
31030272 1					559,027.00			07-Jun-2005		6.700%		CA - 66.90%		Paid Off - 360		01-Dec-2004
31030393 1			385,000.00		384,906.24			15-Jun-2005		6.400%		CA - 83.33%		Paid Off - 360		01-Jan-2005
31030393 1					384,906.24			15-Jun-2005		6.400%		CA - 83.33%		Paid Off - 360		01-Jan-2005
31030399 1			336,000.00		336,000.00			06-Jun-2005		6.240%		CA - 80.00%		Paid Off - 360		01-Jan-2005
31030399 1					336,000.00			06-Jun-2005		6.240%		CA - 80.00%		Paid Off - 360		01-Jan-2005
31030441 1			332,000.00		330,482.97			17-May-2005		6.500%		CA - 80.00%		Paid Off - 360		01-Jan-2005
31030441 1					330,482.97			17-May-2005		6.500%		CA - 80.00%		Paid Off - 360		01-Jan-2005
31030524 1			250,000.00		249,060.63			06-Jun-2005		7.500%		CA - 57.47%		Paid Off - 360		01-Jan-2005
31030524 1					249,060.63			06-Jun-2005		7.500%		CA - 57.47%		Paid Off - 360		01-Jan-2005
41062461 1			144,000.00		143,448.91			23-May-2005		8.500%		IL - 90.00%		Paid Off - 360		01-Jan-2005
41062461 1					143,448.91			23-May-2005		8.500%		IL - 90.00%		Paid Off - 360		01-Jan-2005
41062984 1			88,800.00		88,491.97			18-May-2005		7.900%		IL - 80.00%		Paid Off - 360		01-Jan-2005
41062984 1					88,491.97			18-May-2005		7.900%		IL - 80.00%		Paid Off - 360		01-Jan-2005
41062999 1			142,400.00		141,854.23			07-Jun-2005		7.400%		IL - 77.81%		Paid Off - 360		01-Jan-2005
41062999 1					141,854.23			07-Jun-2005		7.400%		IL - 77.81%		Paid Off - 360		01-Jan-2005
41063008 1			319,920.00		318,498.13			26-May-2005		7.050%		IL - 80.00%		Paid Off - 360		01-Jan-2005
41063008 1					318,498.13			26-May-2005		7.050%		IL - 80.00%		Paid Off - 360		01-Jan-2005
41063009 1			79,980.00		79,755.46			26-May-2005		9.750%		IL - 100.00%		Paid Off - 360		01-Jan-2005
41063009 1					79,755.46			26-May-2005		9.750%		IL - 100.00%		Paid Off - 360		01-Jan-2005
41063019 1			197,000.00		195,971.44			14-Jun-2005		5.800%		IL - 75.77%		Paid Off - 360		01-Jan-2005
41063019 1					195,971.44			14-Jun-2005		5.800%		IL - 75.77%		Paid Off - 360		01-Jan-2005
41063074 1			123,000.00		122,633.52			31-May-2005		8.650%		IL - 75.00%		Paid Off - 360		01-Jan-2005
41063074 1					122,633.52			31-May-2005		8.650%		IL - 75.00%		Paid Off - 360		01-Jan-2005
51054425 1			325,000.00		323,557.35			02-Jun-2005		6.650%		GA - 54.62%		Paid Off - 360		01-Jan-2005
51054425 1					323,557.35			02-Jun-2005		6.650%		GA - 54.62%		Paid Off - 360		01-Jan-2005
51054483 1			180,200.00		179,542.86			31-May-2005		7.650%		GA - 85.00%		Paid Off - 360		01-Jan-2005
51054483 1					179,542.86			31-May-2005		7.650%		GA - 85.00%		Paid Off - 360		01-Jan-2005
51054536 1			84,000.00		83,719.54			03-Jun-2005		8.090%		GA - 80.00%		Paid Off - 360		01-Jan-2005
51054536 1					83,719.54			03-Jun-2005		8.090%		GA - 80.00%		Paid Off - 360		01-Jan-2005
61055288 1			50,000.00		49,909.21			26-May-2005		11.000%		OH - 27.32%		Paid Off - 360		01-Jan-2005
61055288 1					49,909.21			26-May-2005		11.000%		OH - 27.32%		Paid Off - 360		01-Jan-2005
71062675 1			161,000.00		160,148.29			08-Jun-2005		6.700%		FL - 70.00%		Paid Off - 360		01-Dec-2004
71062675 1					160,148.29			08-Jun-2005		6.700%		FL - 70.00%		Paid Off - 360		01-Dec-2004
71062991 1			125,800.00		125,413.52			16-May-2005		8.500%		FL - 85.00%		Paid Off - 360		01-Jan-2005
71062991 1					125,413.52			16-May-2005		8.500%		FL - 85.00%		Paid Off - 360		01-Jan-2005
71063068 1			266,000.00		265,000.54			27-May-2005		7.500%		FL - 95.00%		Paid Off - 360		01-Jan-2005
71063068 1					265,000.54			27-May-2005		7.500%		FL - 95.00%		Paid Off - 360		01-Jan-2005
71063155 1			137,700.00		136,996.39			10-Jun-2005		6.750%		FL - 85.00%		Paid Off - 360		01-Jan-2005
71063155 1					136,996.39			10-Jun-2005		6.750%		FL - 85.00%		Paid Off - 360		01-Jan-2005
81051824 1			277,200.00		275,993.20			20-May-2005		6.750%		VA - 90.00%		Paid Off - 360		01-Jan-2005
81051824 1					275,993.20			20-May-2005		6.750%		VA - 90.00%		Paid Off - 360		01-Jan-2005
81051993 1			114,750.00		114,347.91			10-Jun-2005		7.850%		VA - 85.00%		Paid Off - 360		01-Jan-2005
81051993 1					114,347.91			10-Jun-2005		7.850%		VA - 85.00%		Paid Off - 360		01-Jan-2005
81052018 1			142,500.00		141,990.57			08-Jun-2005		7.750%		MD - 75.00%		Paid Off - 360		01-Jan-2005
81052018 1					141,990.57			08-Jun-2005		7.750%		MD - 75.00%		Paid Off - 360		01-Jan-2005
81052051 1			109,800.00		109,445.08			08-Jun-2005		8.250%		VA - 90.00%		Paid Off - 360		01-Jan-2005
81052051 1					109,445.08			08-Jun-2005		8.250%		VA - 90.00%		Paid Off - 360		01-Jan-2005
91029422 1			130,000.00		129,612.67			01-Jun-2005		8.650%		IL - 57.78%		Paid Off - 360		01-Jan-2005
91029422 1					129,612.67			01-Jun-2005		8.650%		IL - 57.78%		Paid Off - 360		01-Jan-2005
91029459 1			99,900.00		99,556.93			31-May-2005		7.950%		IN - 90.00%		Paid Off - 360		01-Jan-2005
91029459 1					99,556.93					7.950%		IN - 90.00%		Paid Off - 360



Page 16 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original							Current		State &		Type Prepayment		First
Loan Number			Original							Current		State &		Type Prepayment

&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment

Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date

101044383 1			155,000.00		154,223.43			07-Jun-2005		6.990%		FL - 64.58%		Paid Off - 360		01-Dec-2004
			155,000.00

101044532 1			105,000.00		104,734.88			01-Jun-2005		9.450%		TX - 100.00%		Paid Off - 360		01-Jan-2005
101044532 1					104,734.88			01-Jun-2005		9.450%		TX - 100.00%		Paid Off - 360		01-Jan-2005
121035824 1			210,000.00		209,430.46			02-Jun-2005		5.750%		MN - 77.78%		Paid Off - 360		01-Dec-2004
121035824 1					209,430.46			02-Jun-2005		5.750%		MN - 77.78%		Paid Off - 360		01-Dec-2004
141042751 1			285,000.00		283,759.25			14-Jun-2005		6.750%		NY - 60.64%		Paid Off - 360		01-Jan-2005
141042751 1					283,759.25			14-Jun-2005		6.750%		NY - 60.64%		Paid Off - 360		01-Jan-2005
151026674 1			69,600.00		69,437.68			25-May-2005		9.850%		PA - 80.00%		Paid Off - 360		01-Jan-2005
151026674 1					69,437.68			25-May-2005		9.850%		PA - 80.00%		Paid Off - 360		01-Jan-2005
171022771 1			215,186.00		213,944.86			09-Jun-2005		6.250%		AZ - 80.00%		Paid Off - 360		01-Dec-2004
171022771 1					213,944.86			09-Jun-2005		6.250%		AZ - 80.00%		Paid Off - 360		01-Dec-2004
171023045 1			289,000.00		289,000.00			15-Jun-2005		6.150%		NV - 57.80%		Paid Off - 360		01-Jan-2005
171023045 1					289,000.00			15-Jun-2005		6.150%		NV - 57.80%		Paid Off - 360		01-Jan-2005
171023172 1			121,500.00		121,152.58			01-Jun-2005		8.850%		AZ - 90.00%		Paid Off - 360		01-Jan-2005
171023172 1					121,152.58			01-Jun-2005		8.850%		AZ - 90.00%		Paid Off - 360		01-Jan-2005
211023787 1			324,000.00		323,099.86			27-May-2005		8.990%		NC - 90.00%		Paid Off - 360		01-Jan-2005
211023787 1					323,099.86			27-May-2005		8.990%		NC - 90.00%		Paid Off - 360		01-Jan-2005
211024375 1			50,000.00		49,251.78			26-May-2005		7.750%		TN - 23.26%		Paid Off - 180		01-Jan-2005
211024375 1					49,251.78			26-May-2005		7.750%		TN - 23.26%		Paid Off - 180		01-Jan-2005
231044877 1			123,500.00		122,389.61			13-Jun-2005		8.050%		NY - 95.00%		Paid Off - 360		01-May-2004
231044877 1					122,389.61			13-Jun-2005		8.050%		NY - 95.00%		Paid Off - 360		01-May-2004
231055828 1			193,500.00		192,139.04			10-Jun-2005		6.850%		NJ - 90.00%		Paid Off - 360		01-Jan-2005
231055828 1					192,139.04			10-Jun-2005		6.850%		NJ - 90.00%		Paid Off - 360		01-Jan-2005
231056546 1			208,000.00		207,131.03			08-Jun-2005		7.910%		NY - 77.04%		Paid Off - 360		01-Dec-2004
231056546 1					207,131.03			08-Jun-2005		7.910%		NY - 77.04%		Paid Off - 360		01-Dec-2004
231056889 1			240,000.00		239,182.39			01-Jun-2005		7.990%		NJ - 72.73%		Paid Off - 360		01-Jan-2005
231056889 1					239,182.39			01-Jun-2005		7.990%		NJ - 72.73%		Paid Off - 360		01-Jan-2005
231057253 1			196,000.00		195,163.05			31-May-2005		6.990%		NJ - 80.00%		Paid Off - 360		01-Jan-2005
231057253 1					195,163.05			31-May-2005		6.990%		NJ - 80.00%		Paid Off - 360		01-Jan-2005
261049534 1			128,000.00		127,519.08			02-Jun-2005		7.500%		FL - 80.00%		Paid Off - 360		01-Jan-2005
261049534 1					127,519.08			02-Jun-2005		7.500%		FL - 80.00%		Paid Off - 360		01-Jan-2005
271016125 1			112,500.00		111,733.75			01-Jun-2005		6.200%		AZ - 90.00%		Paid Off - 360		01-Nov-2004
271016125 1					111,733.75			01-Jun-2005		6.200%		AZ - 90.00%		Paid Off - 360		01-Nov-2004
271016807 1			163,510.00		162,423.81			27-May-2005		5.500%		CA - 74.32%		Paid Off - 360		01-Dec-2004
271016807 1					162,423.81			27-May-2005		5.500%		CA - 74.32%		Paid Off - 360		01-Dec-2004
271017599 1			205,000.00		203,919.56			06-Jun-2005		5.750%		MA - 64.47%		Paid Off - 360		01-Jan-2005
271017599 1					203,919.56			06-Jun-2005		5.750%		MA - 64.47%		Paid Off - 360		01-Jan-2005
271017789 1			190,000.00		188,795.42			27-May-2005		5.750%		CA - 60.32%		Paid Off - 360		01-Dec-2004
271017789 1					188,795.42			27-May-2005		5.750%		CA - 60.32%		Paid Off - 360		01-Dec-2004
271017827 1			50,000.00		49,880.22			08-Jun-2005		9.700%		CA - 82.04%		Paid Off - 360		01-Jan-2005
271017827 1					49,880.22			08-Jun-2005		9.700%		CA - 82.04%		Paid Off - 360		01-Jan-2005
311024808 1			228,000.00		226,987.95			01-Jun-2005		6.650%		NJ - 65.14%		Paid Off - 360		01-Jan-2005
311024808 1					226,987.95			01-Jun-2005		6.650%		NJ - 65.14%		Paid Off - 360		01-Jan-2005
311024841 1			199,750.00		198,792.40			03-Jun-2005		6.250%		NJ - 85.00%		Paid Off - 360		01-Jan-2005
311024841 1					198,792.40			03-Jun-2005		6.250%		NJ - 85.00%		Paid Off - 360		01-Jan-2005
311024952 1			184,000.00		181,978.09			31-May-2005		6.650%		NJ - 80.00%		Paid Off - 360		01-Jan-2005
311024952 1					181,978.09			31-May-2005		6.650%		NJ - 80.00%		Paid Off - 360		01-Jan-2005
311025040 1			170,000.00		169,267.06			01-Jun-2005		6.800%		NJ - 59.86%		Paid Off - 360		01-Jan-2005
311025040 1					169,267.06			01-Jun-2005		6.800%		NJ - 59.86%		Paid Off - 360		01-Jan-2005
311025102 1			180,000.00		179,252.14			01-Jun-2005		6.990%		PA - 90.00%		Paid Off - 360		01-Jan-2005
311025102 1					179,252.14			01-Jun-2005		6.990%		PA - 90.00%		Paid Off - 360		01-Jan-2005
311025121 1			370,000.00		368,510.26			08-Jun-2005		7.150%		NJ - 61.16%		Paid Off - 360		01-Jan-2005
311025121 1					368,510.26			08-Jun-2005		7.150%		NJ - 61.16%		Paid Off - 360		01-Jan-2005
321021578 1			205,700.00		204,502.44			01-Jun-2005		6.590%		CO - 85.00%		Paid Off - 360		01-Jan-2005
321021578 1					204,502.44			01-Jun-2005		6.590%		CO - 85.00%		Paid Off - 360		01-Jan-2005
321021706 1			190,000.00		189,278.08			19-May-2005		7.550%		CO - 95.00%		Paid Off - 360		01-Jan-2005
321021706 1					189,278.08			19-May-2005		7.550%		CO - 95.00%		Paid Off - 360		01-Jan-2005
321021728 1			267,300.00		265,877.88			15-Jun-2005		5.700%		UT - 90.00%		Paid Off - 360		01-Jan-2005
321021728 1					265,877.88			15-Jun-2005		5.700%		UT - 90.00%		Paid Off - 360		01-Jan-2005
331024890 1			123,500.00		123,500.00			13-Jun-2005		6.990%		NY - 95.00%		Paid Off - 360		01-Jun-2004
331024890 1					123,500.00			13-Jun-2005		6.990%		NY - 95.00%		Paid Off - 360		01-Jun-2004
331025828 1			209,000.00		206,550.94			07-Jun-2005		6.250%		NY - 95.00%		Paid Off - 360		01-Jun-2004
331025828 1					206,550.94			07-Jun-2005		6.250%		NY - 95.00%		Paid Off - 360		01-Jun-2004
331026671 1			177,000.00		175,121.58			31-May-2005		6.300%		NY - 94.65%		Paid Off - 360		01-Jul-2004
331026671 1					175,121.58			31-May-2005		6.300%		NY - 94.65%		Paid Off - 360		01-Jul-2004
331030265 1			94,800.00		94,458.73			23-May-2005		9.400%		NY - 84.85%		Paid Off - 360		01-Nov-2004
331030265 1					94,458.73			23-May-2005		9.400%		NY - 84.85%		Paid Off - 360		01-Nov-2004
331030559 1			286,300.00		285,266.27			20-May-2005		7.700%		NY - 70.00%		Paid Off - 360		01-Jan-2005
331030559 1					285,266.27			20-May-2005		7.700%		NY - 70.00%		Paid Off - 360		01-Jan-2005
331030566 1			80,000.00		79,620.73			16-May-2005		8.200%		NY - 68.39%		Paid Off - 360		01-Nov-2004
331030566 1					79,620.73			16-May-2005		8.200%		NY - 68.39%		Paid Off - 360		01-Nov-2004
331030868 1			270,000.00		268,878.26			06-Jun-2005		6.990%		NY - 58.70%		Paid Off - 360		01-Jan-2005
331030868 1					268,878.26			06-Jun-2005		6.990%		NY - 58.70%		Paid Off - 360		01-Jan-2005
331031138 1			114,000.00		113,367.18			06-Jun-2005		6.450%		NY - 76.00%		Paid Off - 360		01-Dec-2004
331031138 1					113,367.18					6.450%		NY - 76.00%		Paid Off - 360



Page 17 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original							Current		State &		Type Prepayment		First
Loan Number			Original							Current		State &		Type Prepayment

&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment

Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date

331031614 1			294,700.00		293,158.43			23-May-2005		5.790%		NY - 74.99%		Paid Off - 360		01-Jan-2005
			294,700.00

331031892 1			306,400.00		304,735.88			25-May-2005		5.590%		NY - 80.00%		Paid Off - 360		01-Jan-2005
331031892 1					304,735.88			25-May-2005		5.590%		NY - 80.00%		Paid Off - 360		01-Jan-2005
341020873 1			141,950.00		141,371.31			03-Jun-2005		7.450%		NC - 85.00%		Paid Off - 360		01-Jan-2005
341020873 1					141,371.31			03-Jun-2005		7.450%		NC - 85.00%		Paid Off - 360		01-Jan-2005
341020965 1			92,000.00		91,548.33			02-Jun-2005		6.125%		NC - 80.00%		Paid Off - 360		01-Jan-2005
341020965 1					91,548.33			02-Jun-2005		6.125%		NC - 80.00%		Paid Off - 360		01-Jan-2005
361021944 1			103,040.00		102,653.11			15-Jun-2005		7.600%		MI - 69.86%		Paid Off - 360		01-Jan-2005
361021944 1					102,653.11			15-Jun-2005		7.600%		MI - 69.86%		Paid Off - 360		01-Jan-2005
381017150 1			298,000.00		296,361.60			15-Jun-2005		6.500%		MA - 82.78%		Paid Off - 360		01-Dec-2004
381017150 1					296,361.60			15-Jun-2005		6.500%		MA - 82.78%		Paid Off - 360		01-Dec-2004
381017446 1			195,000.00		194,252.63			17-May-2005		7.400%		RI - 65.00%		Paid Off - 360		01-Jan-2005
381017446 1					194,252.63			17-May-2005		7.400%		RI - 65.00%		Paid Off - 360		01-Jan-2005
381017563 1			205,000.00		204,021.93			26-May-2005		6.275%		RI - 73.21%		Paid Off - 360		01-Jan-2005
381017563 1					204,021.93			26-May-2005		6.275%		RI - 73.21%		Paid Off - 360		01-Jan-2005
381017600 1			140,000.00		139,479.15			09-Jun-2005		7.550%		CT - 84.85%		Paid Off - 360		01-Jan-2005
381017600 1					139,479.15			09-Jun-2005		7.550%		CT - 84.85%		Paid Off - 360		01-Jan-2005
391009216 1			73,600.00		73,385.18			13-Jun-2005		8.750%		TN - 80.00%		Paid Off - 360		01-Jan-2005
391009216 1					73,385.18			13-Jun-2005		8.750%		TN - 80.00%		Paid Off - 360		01-Jan-2005
511031625 1			231,000.00		229,642.04			26-May-2005		6.150%		CA - 70.00%		Paid Off - 360		01-Dec-2004
511031625 1					229,642.04			26-May-2005		6.150%		CA - 70.00%		Paid Off - 360		01-Dec-2004
521020726 1			108,000.00		107,727.29			24-May-2005		9.450%		MO - 80.00%		Paid Off - 360		01-Jan-2005
521020726 1					107,727.29			24-May-2005		9.450%		MO - 80.00%		Paid Off - 360		01-Jan-2005
611008218 1			206,150.00		204,350.89			13-Jun-2005		8.200%		NY - 95.00%		Paid Off - 360		01-May-2004
611008218 1					204,350.89			13-Jun-2005		8.200%		NY - 95.00%		Paid Off - 360		01-May-2004
611012854 1			208,050.00		206,906.11			09-Jun-2005		6.500%		NY - 95.00%		Paid Off - 360		01-Dec-2004
611012854 1					206,906.11			09-Jun-2005		6.500%		NY - 95.00%		Paid Off - 360		01-Dec-2004
611013040 1			224,000.00		223,400.00			31-May-2005		5.200%		NY - 80.00%		Paid Off - 360		01-Jan-2005
611013040 1					223,400.00			31-May-2005		5.200%		NY - 80.00%		Paid Off - 360		01-Jan-2005
611013121 1			225,000.00		223,687.11			02-Jun-2005		6.600%		NY - 75.00%		Paid Off - 360		01-Dec-2004
611013121 1					223,687.11			02-Jun-2005		6.600%		NY - 75.00%		Paid Off - 360		01-Dec-2004
611013142 1			273,600.00		272,463.28			26-May-2005		6.990%		MA - 80.00%		Paid Off - 360		01-Jan-2005
611013142 1					272,463.28			26-May-2005		6.990%		MA - 80.00%		Paid Off - 360		01-Jan-2005
621004415 1			165,600.00		164,949.27			18-May-2005		8.550%		FL - 80.00%		Paid Off - 360		01-Jan-2005
621004415 1					164,949.27			18-May-2005		8.550%		FL - 80.00%		Paid Off - 360		01-Jan-2005
621005422 1			172,900.00		172,310.99			07-Jun-2005		7.990%		FL - 95.00%		Paid Off - 360		01-Jan-2005
621005422 1					172,310.99			07-Jun-2005		7.990%		FL - 95.00%		Paid Off - 360		01-Jan-2005
631004445 1			122,800.00		122,405.98			17-May-2005		9.950%		CA - 65.00%		Paid Off - 360		01-Nov-2004
631004445 1					122,405.98			17-May-2005		9.950%		CA - 65.00%		Paid Off - 360		01-Nov-2004
631004666 1			340,000.00		338,855.61			18-May-2005		8.050%		CA - 73.12%		Paid Off - 360		01-Jan-2005
631004666 1					338,855.61			18-May-2005		8.050%		CA - 73.12%		Paid Off - 360		01-Jan-2005
631004869 1			385,000.00		383,755.49			07-Jun-2005		8.250%		CA - 59.23%		Paid Off - 360		01-Jan-2005
631004869 1					383,755.49			07-Jun-2005		8.250%		CA - 59.23%		Paid Off - 360		01-Jan-2005
631004870 1			176,000.00		175,059.90			18-May-2005		6.650%		CA - 80.00%		Paid Off - 360		01-Dec-2004
631004870 1					175,059.90			18-May-2005		6.650%		CA - 80.00%		Paid Off - 360		01-Dec-2004
631004930 1			328,000.00		326,347.23			19-May-2005		5.990%		CA - 80.00%		Paid Off - 360		01-Jan-2005
631004930 1					326,347.23			19-May-2005		5.990%		CA - 80.00%		Paid Off - 360		01-Jan-2005
631004985 1			339,999.00		338,669.92			06-Jun-2005		7.300%		CA - 64.76%		Paid Off - 360		01-Jan-2005
631004985 1					338,669.92			06-Jun-2005		7.300%		CA - 64.76%		Paid Off - 360		01-Jan-2005
631005105 1			176,000.00		175,363.22			15-Jun-2005		7.690%		CA - 80.00%		Paid Off - 360		01-Jan-2005
631005105 1					175,363.22			15-Jun-2005		7.690%		CA - 80.00%		Paid Off - 360		01-Jan-2005
631005176 1			217,175.00		216,775.00			20-May-2005		7.150%		CA - 85.00%		Paid Off - 360		01-Jan-2005
631005176 1					216,775.00			20-May-2005		7.150%		CA - 85.00%		Paid Off - 360		01-Jan-2005
641005459 1			98,000.00		97,665.45			13-Jun-2005		8.900%		TX - 70.00%		Paid Off - 360		01-Dec-2004
641005459 1					97,665.45			13-Jun-2005		8.900%		TX - 70.00%		Paid Off - 360		01-Dec-2004
651006383 1			116,000.00		115,738.53			23-May-2005		9.990%		MI - 80.00%		Paid Off - 360		01-Jan-2005
651006383 1					115,738.53			23-May-2005		9.990%		MI - 80.00%		Paid Off - 360		01-Jan-2005
661000719 1			171,500.00		170,269.75			31-May-2005		7.590%		CA - 70.00%		Paid Off - 360		01-Sep-2004
661000719 1					170,269.75			31-May-2005		7.590%		CA - 70.00%		Paid Off - 360		01-Sep-2004
661002933 1			380,000.00		380,000.00			08-Jun-2005		6.900%		CA - 80.00%		Paid Off - 360		01-Dec-2004
661002933 1					380,000.00			08-Jun-2005		6.900%		CA - 80.00%		Paid Off - 360		01-Dec-2004
661002991 1			100,000.00		99,635.33			09-Jun-2005		7.650%		CA - 34.48%		Paid Off - 360		01-Jan-2005
661002991 1					99,635.33			09-Jun-2005		7.650%		CA - 34.48%		Paid Off - 360		01-Jan-2005
671001484 1			90,000.00		89,440.01			24-May-2005		5.850%		CA - 36.73%		Paid Off - 360		01-Dec-2004
671001484 1					89,440.01			24-May-2005		5.850%		CA - 36.73%		Paid Off - 360		01-Dec-2004
671001602 1			172,900.00		171,674.62			24-May-2005		5.150%		CA - 70.00%		Paid Off - 360		01-Dec-2004
671001602 1					171,674.62			24-May-2005		5.150%		CA - 70.00%		Paid Off - 360		01-Dec-2004
671001696 1			141,000.00		141,000.00			02-Jun-2005		6.150%		AZ - 77.47%		Paid Off - 360		01-Dec-2004
671001696 1					141,000.00			02-Jun-2005		6.150%		AZ - 77.47%		Paid Off - 360		01-Dec-2004
671001716 1			463,250.00		460,916.57			01-Jun-2005		5.990%		CA - 85.00%		Paid Off - 360		01-Jan-2005
671001716 1					460,916.57			01-Jun-2005		5.990%		CA - 85.00%		Paid Off - 360		01-Jan-2005
671001828 1			283,500.00		282,311.00			31-May-2005		6.950%		CA - 90.00%		Paid Off - 360		01-Jan-2005
671001828 1					282,311.00			31-May-2005		6.950%		CA - 90.00%		Paid Off - 360		01-Jan-2005
671001834 1			212,500.00		211,421.49			31-May-2005		5.950%		CA - 85.00%		Paid Off - 360		01-Jan-2005
671001834 1					211,421.49					5.950%		CA - 85.00%		Paid Off - 360



Page 18 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution

Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original							Current		State &		Type Prepayment		First
Loan Number			Original							Current		State &		Type Prepayment

&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment

Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date

681002694 1			92,000.00		91,550.46			17-May-2005		6.150%		ME - 80.00%		Paid Off - 360		01-Jan-2005
			92,000.00

681002888 1			208,800.00		207,845.93			23-May-2005		6.500%		ME - 80.00%		Paid Off - 360		01-Jan-2005
681002888 1					207,845.93			23-May-2005		6.500%		ME - 80.00%		Paid Off - 360		01-Jan-2005
691001430 1			233,750.00		232,722.41			15-Jun-2005		6.700%		MD - 85.00%		Paid Off - 360		01-Jan-2005
691001430 1					232,722.41			15-Jun-2005		6.700%		MD - 85.00%		Paid Off - 360		01-Jan-2005
691001497 1			205,200.00		204,397.86			08-Jun-2005		7.300%		MD - 90.00%		Paid Off - 360		01-Jan-2005
691001497 1					204,397.86			08-Jun-2005		7.300%		MD - 90.00%		Paid Off - 360		01-Jan-2005
711005086 1			55,000.00		54,842.73			14-Jun-2005		8.850%		CT - 12.36%		Paid Off - 360		01-Jan-2005
711005086 1					54,842.73			14-Jun-2005		8.850%		CT - 12.36%		Paid Off - 360		01-Jan-2005
781001215 1			202,500.00		201,275.24			25-May-2005		6.000%		NJ - 75.00%		Paid Off - 360		01-Dec-2004
781001215 1					201,275.24			25-May-2005		6.000%		NJ - 75.00%		Paid Off - 360		01-Dec-2004
781001372 1			72,250.00		72,080.51			02-Jun-2005		9.800%		MI - 85.00%		Paid Off - 360		01-Jan-2005
781001372 1					72,080.51			02-Jun-2005		9.800%		MI - 85.00%		Paid Off - 360		01-Jan-2005
831023751 1			209,600.00		206,862.35			16-May-2005		8.550%		CA - 80.00%		Paid Off - 360		01-Oct-2003
831023751 1					206,862.35			16-May-2005		8.550%		CA - 80.00%		Paid Off - 360		01-Oct-2003
841001881 1			80,000.00		79,658.40			03-Jun-2005		6.850%		MI - 80.81%		Paid Off - 360		01-Jan-2005
841001881 1					79,658.40			03-Jun-2005		6.850%		MI - 80.81%		Paid Off - 360		01-Jan-2005
841001882 1			19,000.00		18,957.25			03-Jun-2005		10.000%		MI - 100.00%		Paid Off - 360		01-Jan-2005
841001882 1					18,957.25			03-Jun-2005		10.000%		MI - 100.00%		Paid Off - 360		01-Jan-2005


TOTAL			24,221,362.00		24,117,070.04
TOTAL


Page 19 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Realized Loss Report

COLLATERAL REALIZED LOSSES



															Total


Current
Current



Number of Loans Liquidated														0
Collateral Principal Realized Loss/(Gain) Amount														0.00
Collateral Interest Realized Loss/(Gain) Amount														0.00
Net Liquidation Proceeds														0.00

Cumulative
Cumulative



Number of Loans Liquidated														0
Collateral Realized Loss/(Gain) Amount														0.00
Net Liquidation Proceeds														0.00










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Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution


DEFAULT SPEEDS



															Total



MDR														0.00%
3 Months Avg MDR														0.00%
12 Months Avg MDR														0.00%
Avg MDR Since Cut-off														0.00%


CDR														0.00%
3 Months Avg CDR														0.00%
12 Months Avg CDR														0.00%
Avg CDR Since Cut-off														0.00%


SDA														0.00%
3 Months Avg SDA Approximation														0.00%
12 Months Avg SDA Approximation														0.00%
Avg SDA Since Cut-off Approximation														0.00%


Loss Severity Approximation for Current Period														0.00%
3 Months Avg Loss Severity Approximation														0.00%
12 Months Avg Loss Severity Approximation														0.00%
Avg Loss Severity Approximation Since Cut-off														0.00%












Page 21 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 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 22 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Realized Loss Detail Report
Loan Number			Current		State &				Prior		Realized				Cumulative
															Cumulative
&		Loan	Note		LTV at		Original		Principal		Loss/(Gain)		Realized		Realized

Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)
Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)




TOTAL



Page 23 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Triggers and Adj. Cert. Report
TRIGGER EVENTS
TRIGGER EVENTS
														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								17,471,116.23
						Delinquency Percentage								0.7300%
						Balance of Mezzanine and C Class								146,096,619.00
						Ending Balance								749,669,624.29
						Credit Enhancement Percentage								21.7700%



ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK



ADDITIONAL INFORMATION

SPACE INTENTIONALLY LEFT BLANK




Page 24 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

June 27, 2005 Distribution
Additional Certificate Report

ADDITIONAL CERTIFICATE REPORT

										Next Pass Through Rate			NET WAC Shortfall CarryOver		NET WAC Shortfall Paid
CLASS

			A-1A							0.09%			$0.00		$0.00
										0.09%			$0.00		$0.00
			A-1B							0.21%			$0.00		$0.00
										0.21%			$0.00		$0.00
			A-1C							0.35%			$0.00		$0.00
										0.35%			$0.00		$0.00
			M-1							0.42%			$0.00		$0.00
										0.42%			$0.00		$0.00
			M-2							0.44%			$0.00		$0.00
										0.44%			$0.00		$0.00
			M-3							0.47%			$0.00		$0.00
										0.47%			$0.00		$0.00
			M-4							0.70%			$0.00		$0.00
										0.70%			$0.00		$0.00
			M-5							0.73%			$0.00		$0.00
										0.73%			$0.00		$0.00
			M-6							0.76%			$0.00		$0.00
										0.76%			$0.00		$0.00
			M-7							1.24%			$0.00		$0.00
										1.24%			$0.00		$0.00
			M-8							1.29%			$0.00		$0.00
										1.29%			$0.00		$0.00
			M-9							2.25%			$0.00		$0.00
										2.25%			$0.00		$0.00
			M-10							2.25%			$0.00		$0.00
										2.25%			$0.00		$0.00
			CE							0.00%			$0.00		$0.00
										0.00%			$0.00		$0.00
			P							0.00%			$0.00		$0.00
										0.00%			$0.00		$0.00
			R							0.00%			$0.00		$0.00
										0.00%			$0.00		$0.00






Page 25 of 25

CITIGROUP MORTGAGE LOAN TRUST INC SERIES 2005-OPT1 8-K