

                                    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): October 25, 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
     October 25, 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:  Oct 28, 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
               October 25, 2005.



Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 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:			October 25, 2005
										Factor Information:			(800) 735-7777
				Record Date:			September 30, 2005			Factor Information:			(800) 735-7777
										Main Phone Number:			(714) 247-6000

							October 24, 2005
							October 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

October 25, 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		151,053,646.03		476,993.85		26,363,672.21		26,840,666.06		0.00		0.00		124,689,973.82
A-1A	SR	$	290,150,000.00		151,053,646.03		476,993.85		26,363,672.21		26,840,666.06		0.00		0.00		124,689,973.82
A-1B	SR	$	314,286,000.00		314,286,000.00		1,022,826.33		0.00		1,022,826.33		0.00		0.00		314,286,000.00
A-1C	SR	$	46,279,600.00		46,279,600.00		155,833.70		0.00		155,833.70		0.00		0.00		46,279,600.00
M-1	MEZ	$	29,707,600.00		29,707,600.00		101,707.27		0.00		101,707.27		0.00		0.00		29,707,600.00
M-2	MEZ	$	24,010,300.00		24,010,300.00		82,588.76		0.00		82,588.76		0.00		0.00		24,010,300.00
M-3	MEZ	$	15,464,300.00		15,464,300.00		53,566.62		0.00		53,566.62		0.00		0.00		15,464,300.00
M-4	MEZ	$	13,429,500.00		13,429,500.00		49,006.48		0.00		49,006.48		0.00		0.00		13,429,500.00
M-5	MEZ	$	13,022,600.00		13,022,600.00		47,836.35		0.00		47,836.35		0.00		0.00		13,022,600.00
M-6	MEZ	$	11,801,700.00		11,801,700.00		43,636.79		0.00		43,636.79		0.00		0.00		11,801,700.00
M-7	MEZ	$	10,173,900.00		10,173,900.00		41,551.90		0.00		41,551.90		0.00		0.00		10,173,900.00
M-8	MEZ	$	6,511,300.00		6,511,300.00		26,855.50		0.00		26,855.50		0.00		0.00		6,511,300.00
M-9	MEZ/NOF	$	8,139,100.00		8,139,100.00		39,863.50		0.00		39,863.50		0.00		0.00		8,139,100.00
M-10	MEZ/NOF	$	8,953,000.00		8,953,000.00		43,849.80		0.00		43,849.80		0.00		0.00		8,953,000.00
CE	NOF	$	21,975,407.42		21,975,419.00		1,503,470.86		0.00		1,503,470.86		0.00		0.00		21,975,419.00
P	NOF	$	100.00		100.00		400,961.81		0.00		400,961.81		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		674,808,065.03		4,090,549.52		26,363,672.21		30,454,221.73		0.00		0.00		648,444,392.82
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	09/26/05		10/24/05		A-Act/360		17307GNN4		290,150,000.00		520.605363		1.643956		90.862217		92.506173	429.743146
A-1B	09/26/05		10/24/05		A-Act/360		17307GNP9		314,286,000.00		1,000.000000		3.254444		0.000000		3.254444	1,000.000000
A-1C	09/26/05		10/24/05		A-Act/360		17307GNQ7		46,279,600.00		1,000.000000		3.367222		0.000000		3.367222	1,000.000000
M-1	09/26/05		10/24/05		A-Act/360		17307GNR5		29,707,600.00		1,000.000000		3.423611		0.000000		3.423611	1,000.000000
M-2	09/26/05		10/24/05		A-Act/360		17307GNS3		24,010,300.00		1,000.000000		3.439722		0.000000		3.439722	1,000.000000
M-3	09/26/05		10/24/05		A-Act/360		17307GNT1		15,464,300.00		1,000.000000		3.463889		0.000000		3.463889	1,000.000000
M-4	09/26/05		10/24/05		A-Act/360		17307GNU8		13,429,500.00		1,000.000000		3.649166		0.000000		3.649166	1,000.000000
M-5	09/26/05		10/24/05		A-Act/360		17307GNV6		13,022,600.00		1,000.000000		3.673333		0.000000		3.673333	1,000.000000
M-6	09/26/05		10/24/05		A-Act/360		17307GNW4		11,801,700.00		1,000.000000		3.697500		0.000000		3.697500	1,000.000000
M-7	09/26/05		10/24/05		A-Act/360		17307GNX2		10,173,900.00		1,000.000000		4.084166		0.000000		4.084166	1,000.000000
M-8	09/26/05		10/24/05		A-Act/360		17307GNY0		6,511,300.00		1,000.000000		4.124445		0.000000		4.124445	1,000.000000
M-9	09/26/05		10/24/05		A-Act/360		17307GNZ7		8,139,100.00		1,000.000000		4.897777		0.000000		4.897777	1,000.000000
M-10	09/26/05		10/24/05		A-Act/360		17307GPA0		8,953,000.00		1,000.000000		4.897777		0.000000		4.897777	1,000.000000
CE	09/25/05		10/24/05		A-30/360		CI05O101C		21,975,407.42		1,000.000527		68.416063		0.000000		68.416063	1,000.000527
P	09/25/05		10/24/05		CI05O101P		100.00		1,000.000000		4,009,618.100000		0.000000		4,009,618.100000		1,000.000000
R	09/25/05		10/24/05		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

October 25, 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		5,378,690.90		160,873,305.45		4,586,720.73		165,460,026.18		170,838,717.08		0.00		0.00		124,689,973.82
A-1B	314,286,000.00		7,678,291.93		0.00		0.00		0.00		7,678,291.93		0.00		0.00		314,286,000.00
A-1C	46,279,600.00		1,177,266.43		0.00		0.00		0.00		1,177,266.43		0.00		0.00		46,279,600.00
M-1	29,707,600.00		770,666.84		0.00		0.00		0.00		770,666.84		0.00		0.00		29,707,600.00
M-2	24,010,300.00		626,323.77		0.00		0.00		0.00		626,323.77		0.00		0.00		24,010,300.00
M-3	15,464,300.00		406,733.72		0.00		0.00		0.00		406,733.72		0.00		0.00		15,464,300.00
M-4	13,429,500.00		375,437.58		0.00		0.00		0.00		375,437.58		0.00		0.00		13,429,500.00
M-5	13,022,600.00		366,872.92		0.00		0.00		0.00		366,872.92		0.00		0.00		13,022,600.00
M-6	11,801,700.00		335,024.92		0.00		0.00		0.00		335,024.92		0.00		0.00		11,801,700.00
M-7	10,173,900.00		323,949.02		0.00		0.00		0.00		323,949.02		0.00		0.00		10,173,900.00
M-8	6,511,300.00		209,669.78		0.00		0.00		0.00		209,669.78		0.00		0.00		6,511,300.00
M-9	8,139,100.00		318,300.43		0.00		0.00		0.00		318,300.43		0.00		0.00		8,139,100.00
M-10	8,953,000.00		350,130.10		0.00		0.00		0.00		350,130.10		0.00		0.00		8,953,000.00
CE	21,975,407.42		14,767,909.02		0.00		0.00		0.00		14,767,909.02		0.00		11.58		21,975,419.00
P	100.00		2,553,520.28		0.00		0.00		0.00		2,553,520.28		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		35,638,787.64		160,873,305.45		4,586,720.73		165,460,026.18		201,098,813.82		0.00		11.58		648,444,392.82


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	3.92000%		151,053,646.03		476,993.85		0.00		0.00		0.00		476,993.85		476,993.85		0.00
A-1B	4.04000%		314,286,000.00		1,022,826.33		0.00		0.00		0.00		1,022,826.33		1,022,826.33		0.00
A-1C	4.18000%		46,279,600.00		155,833.70		0.00		0.00		0.00		155,833.70		155,833.70		0.00
M-1	4.25000%		29,707,600.00		101,707.27		0.00		0.00		0.00		101,707.27		101,707.27		0.00
M-2	4.27000%		24,010,300.00		82,588.76		0.00		0.00		0.00		82,588.76		82,588.76		0.00
M-3	4.30000%		15,464,300.00		53,566.62		0.00		0.00		0.00		53,566.62		53,566.62		0.00
M-4	4.53000%		13,429,500.00		49,006.48		0.00		0.00		0.00		49,006.48		49,006.48		0.00
M-5	4.56000%		13,022,600.00		47,836.35		0.00		0.00		0.00		47,836.35		47,836.35		0.00
M-6	4.59000%		11,801,700.00		43,636.79		0.00		0.00		0.00		43,636.79		43,636.79		0.00
M-7	5.07000%		10,173,900.00		41,551.90		0.00		0.00		0.00		41,551.90		41,551.90		0.00
M-8	5.12000%		6,511,300.00		26,855.50		0.00		0.00		0.00		26,855.50		26,855.50		0.00
M-9	6.08000%		8,139,100.00		39,863.50		0.00		0.00		0.00		39,863.50		39,863.50		0.00
M-10	6.08000%		8,953,000.00		43,849.80		0.00		0.00		0.00		43,849.80		43,849.80		0.00
CE	82.09923%		21,975,419.00		1,503,470.86		0.00		0.00		0.00		1,503,470.86		1,503,470.86		0.00
P	0.00000%		100.00		0.00		0.00		0.00		0.00		0.00		400,961.81		0.00
R	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			674,808,065.03		3,689,587.71		0.00		0.00		0.00		3,689,587.71		4,090,549.52		0.00



Page 3 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
														Total
Principal Collections														26,363,672.21
Principal Withrawals														0.00
Principal Other Accounts														0.00
TOTAL NET PRINCIPAL														26,363,672.21
Interest Collections														3,798,310.74
Interest Withdrawals														-0.00
Interest Other Accounts														400,961.81
Interest Fees														-108,723.03
TOTAL NET INTEREST														4,090,549.52
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION														30,454,221.73



PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
															Total
Scheduled Principal Received															521,964.40
Prepayments In Full															25,816,375.30
Curtailments															25,332.51
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															-197,003.34
Advanced Principal															197,003.34
TOTAL PRINCIPAL COLLECTED															26,363,672.21


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

October 25, 2005 Distribution

INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
														Total
Scheduled Interest														3,861,101.43
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														-19,339.25
Compensating Interest														19,339.25
Delinquent Interest														-1,486,826.33
Interest Advanced														1,424,035.65
TOTAL INTEREST COLLECTED														3,798,310.74


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



INTEREST - OTHER ACCOUNTS
INTEREST - OTHER ACCOUNTS
														Total
Prepayment Charges														400,961.81
TOTAL INTEREST OTHER ACCOUNTS														400,961.81



INTEREST - FEES
INTEREST - FEES
														Total
Current Servicing Fees														105,911.33
Current Trustee Fees														2,811.70
TOTAL INTEREST OTHER FEES														108,723.03




Page 5 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 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

October 25, 2005 Distribution
Collateral Report


COLLATERAL



															Total



Loan Count:


Original														4,506
Prior														3,806
Prefunding														0
Scheduled Paid Offs														-0
Full Voluntary Prepayments														-131
Repurchases														-0
Liquidations														-0
Current														3,675
Principal Balance:


Original														813,904,407.42
Prior														674,808,065.03
Prefunding														0.00
Scheduled Principal														-521,964.40
Partial Prepayments														-25,332.51
Full Voluntary Prepayments														-25,816,375.30
Repurchases														-0.00
Liquidations														-0.00
Current														648,444,392.82





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

October 25, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
														Total
Weighted Average Coupon Original														6.90286%
Weighted Average Coupon Prior														#######
Weighted Average Coupon Current														6.86613%
Weighted Average Months to Maturity Original														354
Weighted Average Months to Maturity Prior														348
Weighted Average Months to Maturity Current														347
Weighted Avg Remaining Amortization Term Original														354
Weighted Avg Remaining Amortization Term Prior														348
Weighted Avg Remaining Amortization Term Current														347
Weighted Average Seasoning Original														3.28
Weighted Average Seasoning Prior														9.26
Weighted Average Seasoning Current														10.26









Page 8 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 2005 Distribution

ARM CHARACTERISTICS
ARM CHARACTERISTICS
														Total
Weighted Average Margin Original														4.98711%
Weighted Average Margin Prior														4.97379%
Weighted Average Margin Current														4.96727%
Weighted Average Max Rate Original														12.85988%
Weighted Average Max Rate Prior														12.82815%
Weighted Average Max Rate Current														12.82195%
Weighted Average Min Rate Original														6.85783%
Weighted Average Min Rate Prior														6.82697%
Weighted Average Min Rate Current														6.82072%
Weighted Average Cap Up Original														1.00017%
Weighted Average Cap Up Prior														1.00019%
Weighted Average Cap Up Current														1.00020%
Weighted Average Cap Down Original														1.00017%
Weighted Average Cap Down Prior														1.00019%
Weighted Average Cap Down Current														1.00020%




SERVICING FEES & ADVANCES

															Total




Current Servicing Fees														105,911.33
Delinquent Servicing Fees														62,790.69
TOTAL SERVICING FEES														168,702.02


Compensating Interest														-19,339.25
Delinquent Servicing Fees														-62,790.69
COLLECTED SERVICING FEES														86,572.09


Aggregate Advances with respect to this Distribution														1,621,038.98





ADDITIONAL COLLATERAL INFORMATION
														Total
Net Prepayment Interest Shortfall														0.00
Libor For Current Period														3.8300%




Page 9 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

October 25, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				7,651,325.33		3,585,200.36		4,296,973.68		15,533,499.37
			% Balance				1.18%		0.55%		0.66%		2.40%
			# Loans				44		23		21		88
			% # Loans				1.20%		0.63%		0.57%		2.39%
	FORECLOSURE		Balance		285,228.93		0.00		621,647.55		5,837,827.45		6,744,703.93
			% Balance		0.04%		0.00%		0.10%		0.90%		1.04%
			# Loans		2		0		5		33		40
			% # Loans		0.05%		0.00%		0.14%		0.90%		1.09%
	BANKRUPTCY		Balance		2,046,100.32		0.00		0.00		1,578,331.82		3,624,432.14
			% Balance		0.32%		0.00%		0.00%		0.24%		0.56%
			# Loans		8		0		0		13		21
			% # Loans		0.22%		0.00%		0.00%		0.35%		0.57%
	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		2,331,329.25		7,651,325.33		4,206,847.91		11,713,132.95		25,902,635.44
			% Balance		0.36%		1.18%		0.65%		1.81%		3.99%
			# Loans		10		44		28		67		149
			% # Loans		0.27%		1.20%		0.76%		1.82%		4.05%









Page 10 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

October 25, 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

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Mortgage Pass-Through Certificates
2005-OPT1

October 25, 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
11071750 1
11071750 1			221,350.00		219,852.16		01-Feb-2005		8.600%		CA - 95.00%		360		01-Dec-2004

21060684 1			306,000.00		306,000.00		01-May-2005		6.100%		CA - 90.00%		360		01-Jan-2005
31030191 1			560,000.00		555,766.96		01-May-2005		7.550%		CA - 41.48%		360		01-Jan-2005
41063042 1			242,250.00		240,824.18		01-Feb-2005		8.800%		IL - 85.00%		360		01-Jan-2005
41063077 1			108,000.00		107,125.76		01-Jun-2005		7.200%		IL - 80.00%		360		01-Jan-2005
51054180 1			218,700.00		216,809.48		01-Aug-2005		7.750%		GA - 90.00%		360		01-Jan-2005
61055156 1			100,000.00		99,293.09		01-May-2005		8.090%		OH - 80.00%		360		01-Jan-2005
61055172 1			62,400.00		62,191.78		01-Apr-2005		11.500%		OH - 65.00%		360		01-Jan-2005
61055406 1			128,100.00		127,638.99		01-May-2005		11.150%		OH - 61.00%		360		01-Jan-2005
81052033 1			57,800.00		57,517.34		01-Jun-2005		9.700%		VA - 85.00%		360		01-Jan-2005
141042232 1			70,000.00		69,351.50		01-Apr-2005		6.500%		NY - 28.57%		360		01-Jan-2005
141042825 1			255,000.00		253,147.03		01-May-2005		7.750%		NY - 85.00%		360		01-Jan-2005
191021500 1			68,900.00		68,419.45		01-Nov-2005		8.450%		WA - 65.00%		360		01-Dec-2004
231057208 1			369,976.00		367,123.86		01-Mar-2005		7.450%		NY - 80.00%		360		01-Jan-2005
231057209 1			92,494.00		92,069.13		01-Mar-2005		10.000%		NY - 100.00%		360		01-Jan-2005
261049353 1			55,000.00		54,745.01		01-May-2005		10.250%		CA - 55.44%		360		01-Jan-2005
261049451 1			50,150.00		49,919.88		01-Apr-2005		10.400%		NC - 85.00%		360		01-Jan-2005
321021374 1			168,000.00		165,708.01		01-Mar-2005		4.940%		CO - 80.00%		360		01-Dec-2004
321021469 1			190,750.00		189,391.11		01-Feb-2005		7.850%		UT - 89.98%		360		01-Jan-2005
321021850 1			156,375.00		155,387.00		01-Dec-2004		8.450%		CO - 69.50%		360		01-Jan-2005
321021973 1			228,750.00		227,457.53		01-Mar-2005		9.000%		CO - 75.00%		360		01-Jan-2005
331030668 1			60,000.00		58,172.83		01-May-2005		8.900%		NY - 52.99%		180		01-Dec-2004
331031533 1			337,500.00		335,549.69		01-Mar-2005		8.890%		NY - 90.00%		360		01-Jan-2005
341020012 1			73,500.00		73,141.69		01-May-2005		9.800%		NC - 75.00%		360		01-Jan-2005
341020513 1			161,500.00		160,427.05		01-Feb-2005		8.200%		SC - 95.00%		360		01-Jan-2005
351022418 1			209,000.00		209,000.00		01-Apr-2005		6.650%		TX - 95.00%		360		01-Jan-2005
361022081 1			112,775.00		112,251.48		01-Feb-2005		9.950%		MI - 65.00%		360		01-Jan-2005
381017459 1			459,000.00		454,739.90		01-May-2005		6.490%		MA - 83.15%		360		01-Jan-2005
511032321 1			168,000.00		166,318.06		01-Jun-2005		6.090%		ID - 80.00%		360		01-Jan-2005
611012900 1			175,000.00		173,511.36		01-Feb-2005		7.450%		NY - 45.45%		360		01-Dec-2004
611013229 1			148,000.00		147,386.90		01-Apr-2005		10.500%		NY - 47.74%		360		01-Jan-2005
611013300 1			185,000.00		184,305.10		01-Jun-2005		10.950%		NY - 56.92%		360		01-Jan-2005
641005393 1			87,750.00		87,294.03		01-Mar-2005		9.400%		OK - 75.00%		360		01-Jan-2005
651006411 1			111,200.00		110,391.98		01-May-2005		7.750%		CT - 80.00%		360		01-Jan-2005
651006439 1			97,600.00		96,883.72		01-Apr-2005		7.700%		KS - 80.00%		360		01-Jan-2005
661002125 1			133,000.00		132,071.81		01-May-2005		8.450%		FL - 95.00%		360		01-Dec-2004
661002939 1			277,500.00		275,985.48		01-May-2005		9.650%		CA - 75.00%		360		01-Dec-2004
761005771 1			112,000.00		111,465.29		01-Apr-2005		9.815%		IL - 61.88%		360		01-Jan-2005
791000757 1			107,100.00		106,381.29		01-Jun-2005		8.150%		IA - 90.00%		360		01-Jan-2005
841001433 1			64,000.00		63,687.02		01-May-2005		9.700%		MI - 80.00%		360		01-Jan-2005


TOTAL			6,789,420.00		6,744,703.93


Page 12 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

															Total




Current


Number of Paid in Full Loans														131
Number of Repurchased Loans														0
Total Number of Loans Prepaid in Full														131
Curtailments Amount														25,332.51
Paid in Full Balance														25,816,375.30
Repurchased Loans Balance														0.00
Total Prepayment Amount														25,841,707.81

Cumulative


Number of Paid in Full Loans														831
Number of Repurchased Loans														0
Total Number of Loans Prepaid in Full														831
Paid in Full Balance														159,756,757.20
Repurchased Loans Balance														0.00
Curtailments Amount														1,116,537.24
Total Prepayment Amount														160,873,294.44










Page 13 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

															Total



SMM														3.83%
3 Months Avg SMM														3.69%
12 Months Avg SMM														2.73%
Avg SMM Since Cut-off														2.73%


CPR														37.43%
3 Months Avg CPR														36.32%
12 Months Avg CPR														28.23%
Avg CPR Since Cut-off														28.23%


PSA														1,824.18%
3 Months Avg PSA Approximation														1,960.43%
12 Months Avg PSA Approximation														2,084.51%
Avg PSA Since Cut-off Approximation														2,084.51%










Page 14 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

October 25, 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

October 25, 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

11071533 1			250,250.00		248,240.37			23-Sep-2005		7.450%		CA - 65.00%		Paid Off - 360		01-Dec-2004
			250,250.00

11071569 1			152,800.00		151,743.47			20-Sep-2005		8.000%		CA - 80.00%		Paid Off - 360		01-Dec-2004
11071569 1					151,743.47			20-Sep-2005		8.000%		CA - 80.00%		Paid Off - 360		01-Dec-2004
11071891 1			87,500.00		86,665.94			22-Sep-2005		6.350%		CA - 48.08%		Paid Off - 360		01-Dec-2004
11071891 1					86,665.94			22-Sep-2005		6.350%		CA - 48.08%		Paid Off - 360		01-Dec-2004
11072191 1			387,000.00		384,216.29			03-Oct-2005		7.250%		CA - 90.00%		Paid Off - 360		01-Jan-2005
11072191 1					384,216.29			03-Oct-2005		7.250%		CA - 90.00%		Paid Off - 360		01-Jan-2005
21059832 1			280,000.00		277,005.08			28-Sep-2005		6.457%		CA - 89.46%		Paid Off - 360		01-Nov-2004
21059832 1					277,005.08			28-Sep-2005		6.457%		CA - 89.46%		Paid Off - 360		01-Nov-2004
21060088 1			114,000.00		112,911.49			26-Sep-2005		6.350%		CA - 77.03%		Paid Off - 360		01-Dec-2004
21060088 1					112,911.49			26-Sep-2005		6.350%		CA - 77.03%		Paid Off - 360		01-Dec-2004
21060161 1			180,000.00		178,150.00			14-Oct-2005		5.950%		CA - 80.00%		Paid Off - 360		01-Dec-2004
21060161 1					178,150.00			14-Oct-2005		5.950%		CA - 80.00%		Paid Off - 360		01-Dec-2004
21060491 1			236,000.00		233,863.01			27-Sep-2005		6.050%		CA - 80.00%		Paid Off - 360		01-Jan-2005
21060491 1					233,863.01			27-Sep-2005		6.050%		CA - 80.00%		Paid Off - 360		01-Jan-2005
21060561 1			190,000.00		188,230.35			23-Sep-2005		5.900%		CA - 84.44%		Paid Off - 360		01-Jan-2005
21060561 1					188,230.35			23-Sep-2005		5.900%		CA - 84.44%		Paid Off - 360		01-Jan-2005
21060783 1			146,000.00		144,628.50			19-Sep-2005		6.090%		CA - 75.65%		Paid Off - 360		01-Jan-2005
21060783 1					144,628.50			19-Sep-2005		6.090%		CA - 75.65%		Paid Off - 360		01-Jan-2005
21060903 1			40,000.00		39,797.35			30-Sep-2005		9.000%		CA - 11.43%		Paid Off - 360		01-Jan-2005
21060903 1					39,797.35			30-Sep-2005		9.000%		CA - 11.43%		Paid Off - 360		01-Jan-2005
31030301 1			264,000.00		261,668.59			29-Sep-2005		6.750%		CA - 80.00%		Paid Off - 360		01-Dec-2004
31030301 1					261,668.59			29-Sep-2005		6.750%		CA - 80.00%		Paid Off - 360		01-Dec-2004
31030407 1			166,500.00		165,517.46			11-Oct-2005		8.250%		CA - 90.00%		Paid Off - 360		01-Jan-2005
31030407 1					165,517.46			11-Oct-2005		8.250%		CA - 90.00%		Paid Off - 360		01-Jan-2005
41062447 1			276,300.00		274,734.44			19-Sep-2005		8.450%		IL - 90.00%		Paid Off - 360		01-Jan-2005
41062447 1					274,734.44			19-Sep-2005		8.450%		IL - 90.00%		Paid Off - 360		01-Jan-2005
41062768 1			296,000.00		293,760.34			30-Sep-2005		6.990%		IL - 80.00%		Paid Off - 360		01-Jan-2005
41062768 1					293,760.34			30-Sep-2005		6.990%		IL - 80.00%		Paid Off - 360		01-Jan-2005
41062789 1			449,750.00		446,430.00			26-Sep-2005		7.950%		IL - 94.99%		Paid Off - 360		01-Jan-2005
41062789 1					446,430.00			26-Sep-2005		7.950%		IL - 94.99%		Paid Off - 360		01-Jan-2005
41062963 1			268,000.00		266,716.92			12-Oct-2005		9.275%		IL - 80.00%		Paid Off - 360		01-Jan-2005
41062963 1					266,716.92			12-Oct-2005		9.275%		IL - 80.00%		Paid Off - 360		01-Jan-2005
61055063 1			59,000.00		58,633.32			29-Sep-2005		7.990%		KY - 41.26%		Paid Off - 360		01-Jan-2005
61055063 1					58,633.32			29-Sep-2005		7.990%		KY - 41.26%		Paid Off - 360		01-Jan-2005
61055137 1			60,900.00		60,621.72			19-Sep-2005		9.500%		OH - 70.00%		Paid Off - 360		01-Jan-2005
61055137 1					60,621.72			19-Sep-2005		9.500%		OH - 70.00%		Paid Off - 360		01-Jan-2005
61055297 1			129,000.00		127,786.46			03-Oct-2005		6.600%		OH - 84.92%		Paid Off - 360		01-Jan-2005
61055297 1					127,786.46			03-Oct-2005		6.600%		OH - 84.92%		Paid Off - 360		01-Jan-2005
71063059 1			84,000.00		83,604.62			23-Sep-2005		9.400%		FL - 80.00%		Paid Off - 360		01-Jan-2005
71063059 1					83,604.62			23-Sep-2005		9.400%		FL - 80.00%		Paid Off - 360		01-Jan-2005
71063198 1			140,000.00		138,783.74			11-Oct-2005		6.400%		FL - 80.00%		Paid Off - 360		01-Jan-2005
71063198 1					138,783.74			11-Oct-2005		6.400%		FL - 80.00%		Paid Off - 360		01-Jan-2005
71063235 1			135,000.00		133,930.04			20-Sep-2005		6.750%		FL - 74.18%		Paid Off - 360		01-Jan-2005
71063235 1					133,930.04			20-Sep-2005		6.750%		FL - 74.18%		Paid Off - 360		01-Jan-2005
71063274 1			70,000.00		69,566.10			28-Sep-2005		8.250%		FL - 61.95%		Paid Off - 360		01-Jan-2005
71063274 1					69,566.10			28-Sep-2005		8.250%		FL - 61.95%		Paid Off - 360		01-Jan-2005
81051971 1			148,000.00		146,913.67			07-Oct-2005		7.700%		VA - 60.66%		Paid Off - 360		01-Dec-2004
81051971 1					146,913.67			07-Oct-2005		7.700%		VA - 60.66%		Paid Off - 360		01-Dec-2004
81052001 1			108,000.00		107,336.83			19-Sep-2005		8.050%		VA - 72.00%		Paid Off - 360		01-Jan-2005
81052001 1					107,336.83			19-Sep-2005		8.050%		VA - 72.00%		Paid Off - 360		01-Jan-2005
81052029 1			85,000.00		82,216.01			22-Sep-2005		5.550%		VA - 59.44%		Paid Off - 180		01-Jan-2005
81052029 1					82,216.01			22-Sep-2005		5.550%		VA - 59.44%		Paid Off - 180		01-Jan-2005
121035890 1			88,350.00		87,744.88			12-Oct-2005		7.500%		WI - 95.00%		Paid Off - 360		01-Jan-2005
121035890 1					87,744.88			12-Oct-2005		7.500%		WI - 95.00%		Paid Off - 360		01-Jan-2005
121036000 1			369,000.00		367,512.51			06-Oct-2005		10.100%		MN - 75.00%		Paid Off - 360		01-Jan-2005
121036000 1					367,512.51			06-Oct-2005		10.100%		MN - 75.00%		Paid Off - 360		01-Jan-2005
141038145 1			210,377.00		210,370.91			04-Oct-2005		6.000%		NY - 95.00%		Paid Off - 360		01-Jun-2004
141038145 1					210,370.91			04-Oct-2005		6.000%		NY - 95.00%		Paid Off - 360		01-Jun-2004
141041211 1			50,000.00		49,636.64			30-Sep-2005		7.750%		NY - 41.75%		Paid Off - 360		01-Dec-2004
141041211 1					49,636.64			30-Sep-2005		7.750%		NY - 41.75%		Paid Off - 360		01-Dec-2004
141042699 1			80,000.00		78,055.56			28-Sep-2005		9.200%		NY - 53.41%		Paid Off - 180		01-Jan-2005
141042699 1					78,055.56			28-Sep-2005		9.200%		NY - 53.41%		Paid Off - 180		01-Jan-2005
141042896 1			70,000.00		69,689.98			27-Sep-2005		9.650%		NY - 83.75%		Paid Off - 360		01-Jan-2005
141042896 1					69,689.98			27-Sep-2005		9.650%		NY - 83.75%		Paid Off - 360		01-Jan-2005
141043134 1			211,250.00		208,992.22			29-Sep-2005		6.990%		NY - 65.00%		Paid Off - 360		01-Jan-2005
141043134 1					208,992.22			29-Sep-2005		6.990%		NY - 65.00%		Paid Off - 360		01-Jan-2005
151026500 1			132,000.00		130,578.59			19-Sep-2005		5.700%		PA - 80.00%		Paid Off - 360		01-Dec-2004
151026500 1					130,578.59			19-Sep-2005		5.700%		PA - 80.00%		Paid Off - 360		01-Dec-2004
151026525 1			180,500.00		179,024.57			22-Sep-2005		7.150%		PA - 95.00%		Paid Off - 360		01-Dec-2004
151026525 1					179,024.57			22-Sep-2005		7.150%		PA - 95.00%		Paid Off - 360		01-Dec-2004
151026589 1			446,500.00		443,501.77			30-Sep-2005		7.600%		NJ - 95.00%		Paid Off - 360		01-Jan-2005
151026589 1					443,501.77					7.600%		NJ - 95.00%		Paid Off - 360


Page 16 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 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

161037272 1			151,500.00		149,853.41			28-Sep-2005		5.650%		RI - 60.60%		Paid Off - 360		01-Dec-2004
			151,500.00

161037446 1			377,300.00		373,183.01			20-Sep-2005		5.890%		MA - 70.00%		Paid Off - 360		01-Dec-2004
161037446 1					373,183.01			20-Sep-2005		5.890%		MA - 70.00%		Paid Off - 360		01-Dec-2004
161037681 1			251,000.00		248,439.49			28-Sep-2005		5.990%		MA - 78.44%		Paid Off - 360		01-Dec-2004
161037681 1					248,439.49			28-Sep-2005		5.990%		MA - 78.44%		Paid Off - 360		01-Dec-2004
161037872 1			144,160.00		142,902.94			12-Oct-2005		6.250%		MA - 80.00%		Paid Off - 360		01-Jan-2005
161037872 1					142,902.94			12-Oct-2005		6.250%		MA - 80.00%		Paid Off - 360		01-Jan-2005
171022818 1		FCL	400,000.00		397,494.15			05-Oct-2005		7.950%		NV - 68.38%		Paid Off - 360		01-Jan-2005
171022818 1		FCL			397,494.15			05-Oct-2005		7.950%		NV - 68.38%		Paid Off - 360		01-Jan-2005
171023091 1			82,400.00		81,657.06			10-Oct-2005		6.300%		AZ - 80.00%		Paid Off - 360		01-Jan-2005
171023091 1					81,657.06			10-Oct-2005		6.300%		AZ - 80.00%		Paid Off - 360		01-Jan-2005
171023092 1			20,600.00		20,482.18			10-Oct-2005		9.375%		AZ - 100.00%		Paid Off - 360		01-Jan-2005
171023092 1					20,482.18			10-Oct-2005		9.375%		AZ - 100.00%		Paid Off - 360		01-Jan-2005
191021531 1		FCL	96,000.00		95,591.31			06-Oct-2005		9.840%		WA - 75.59%		Paid Off - 360		01-Jan-2005
191021531 1		FCL			95,591.31			06-Oct-2005		9.840%		WA - 75.59%		Paid Off - 360		01-Jan-2005
191021679 1			269,800.00		269,800.00			03-Oct-2005		6.300%		WA - 80.00%		Paid Off - 360		01-Jan-2005
191021679 1					269,800.00			03-Oct-2005		6.300%		WA - 80.00%		Paid Off - 360		01-Jan-2005
211024145 1			163,600.00		163,600.00			03-Oct-2005		7.450%		VA - 80.00%		Paid Off - 360		01-Jan-2005
211024145 1					163,600.00			03-Oct-2005		7.450%		VA - 80.00%		Paid Off - 360		01-Jan-2005
211024470 1			108,000.00		107,263.78			27-Sep-2005		7.700%		MD - 90.00%		Paid Off - 360		01-Jan-2005
211024470 1					107,263.78			27-Sep-2005		7.700%		MD - 90.00%		Paid Off - 360		01-Jan-2005
211024548 1			142,500.00		141,233.73			11-Oct-2005		6.150%		MD - 75.00%		Paid Off - 360		01-Jan-2005
211024548 1					141,233.73			11-Oct-2005		6.150%		MD - 75.00%		Paid Off - 360		01-Jan-2005
231056548 1			310,500.00		308,211.77			27-Sep-2005		8.700%		NJ - 90.00%		Paid Off - 360		01-Jan-2005
231056548 1					308,211.77			27-Sep-2005		8.700%		NJ - 90.00%		Paid Off - 360		01-Jan-2005
231057260 1			144,000.00		142,760.68			05-Oct-2005		7.150%		NH - 80.00%		Paid Off - 360		01-Dec-2004
231057260 1					142,760.68			05-Oct-2005		7.150%		NH - 80.00%		Paid Off - 360		01-Dec-2004
231057495 1			216,000.00		214,591.96			05-Oct-2005		7.750%		MA - 75.00%		Paid Off - 360		01-Jan-2005
231057495 1					214,591.96			05-Oct-2005		7.750%		MA - 75.00%		Paid Off - 360		01-Jan-2005
231058500 1			50,000.00		49,767.04			13-Oct-2005		9.450%		NH - 47.62%		Paid Off - 360		01-Jan-2005
231058500 1					49,767.04			13-Oct-2005		9.450%		NH - 47.62%		Paid Off - 360		01-Jan-2005
231058995 1			255,500.00		253,475.03			27-Sep-2005		6.750%		NY - 70.00%		Paid Off - 360		01-Jan-2005
231058995 1					253,475.03			27-Sep-2005		6.750%		NY - 70.00%		Paid Off - 360		01-Jan-2005
251034347 1			377,000.00		373,611.16			20-Sep-2005		6.100%		CA - 84.34%		Paid Off - 360		01-Jan-2005
251034347 1					373,611.16			20-Sep-2005		6.100%		CA - 84.34%		Paid Off - 360		01-Jan-2005
261049354 1			83,300.00		82,871.72			30-Sep-2005		8.975%		FL - 85.00%		Paid Off - 360		01-Jan-2005
261049354 1					82,871.72			30-Sep-2005		8.975%		FL - 85.00%		Paid Off - 360		01-Jan-2005
261049549 1			142,500.00		141,423.84			13-Oct-2005		7.000%		FL - 75.00%		Paid Off - 360		01-Jan-2005
261049549 1					141,423.84			13-Oct-2005		7.000%		FL - 75.00%		Paid Off - 360		01-Jan-2005
261049562 1			120,000.00		119,001.37			16-Sep-2005		7.800%		MS - 100.00%		Paid Off - 360		01-Jan-2005
261049562 1					119,001.37			16-Sep-2005		7.800%		MS - 100.00%		Paid Off - 360		01-Jan-2005
271016692 1			190,000.00		188,209.71			26-Sep-2005		6.950%		NJ - 64.41%		Paid Off - 360		01-Nov-2004
271016692 1					188,209.71			26-Sep-2005		6.950%		NJ - 64.41%		Paid Off - 360		01-Nov-2004
271017090 1			283,000.00		279,658.89			23-Sep-2005		5.200%		CA - 64.76%		Paid Off - 360		01-Dec-2004
271017090 1					279,658.89			23-Sep-2005		5.200%		CA - 64.76%		Paid Off - 360		01-Dec-2004
271017169 1			224,000.00		221,331.30			28-Sep-2005		5.750%		CA - 70.00%		Paid Off - 360		01-Jan-2005
271017169 1					221,331.30			28-Sep-2005		5.750%		CA - 70.00%		Paid Off - 360		01-Jan-2005
271017696 1			36,000.00		35,873.60			29-Sep-2005		10.750%		PA - 84.81%		Paid Off - 360		01-Jan-2005
271017696 1					35,873.60			29-Sep-2005		10.750%		PA - 84.81%		Paid Off - 360		01-Jan-2005
271017710 1			420,000.00		415,041.37			16-Sep-2005		5.200%		CA - 70.00%		Paid Off - 360		01-Dec-2004
271017710 1					415,041.37			16-Sep-2005		5.200%		CA - 70.00%		Paid Off - 360		01-Dec-2004
271017720 1			81,000.00		80,450.67			07-Oct-2005		7.550%		FL - 90.00%		Paid Off - 360		01-Jan-2005
271017720 1					80,450.67			07-Oct-2005		7.550%		FL - 90.00%		Paid Off - 360		01-Jan-2005
271017928 1			468,000.00		468,000.00			29-Sep-2005		6.500%		AZ - 90.00%		Paid Off - 360		01-Jan-2005
271017928 1					468,000.00			29-Sep-2005		6.500%		AZ - 90.00%		Paid Off - 360		01-Jan-2005
271017995 1			215,900.00		214,202.74			04-Oct-2005		7.350%		NJ - 85.00%		Paid Off - 360		01-Dec-2004
271017995 1					214,202.74			04-Oct-2005		7.350%		NJ - 85.00%		Paid Off - 360		01-Dec-2004
281013001 1			318,750.00		316,566.93			13-Oct-2005		7.500%		NJ - 85.00%		Paid Off - 360		01-Jan-2005
281013001 1					316,566.93			13-Oct-2005		7.500%		NJ - 85.00%		Paid Off - 360		01-Jan-2005
311024430 1			221,480.00		220,108.67			19-Sep-2005		8.550%		NJ - 70.00%		Paid Off - 360		01-Dec-2004
311024430 1					220,108.67			19-Sep-2005		8.550%		NJ - 70.00%		Paid Off - 360		01-Dec-2004
311025004 1			100,000.00		99,184.26			29-Sep-2005		6.600%		NJ - 40.82%		Paid Off - 360		01-Jan-2005
311025004 1					99,184.26			29-Sep-2005		6.600%		NJ - 40.82%		Paid Off - 360		01-Jan-2005
311025046 1			140,000.00		138,782.12			29-Sep-2005		6.650%		NJ - 52.83%		Paid Off - 360		01-Jan-2005
311025046 1					138,782.12			29-Sep-2005		6.650%		NJ - 52.83%		Paid Off - 360		01-Jan-2005
311025299 1			96,000.00		95,009.75			14-Oct-2005		5.350%		NJ - 42.67%		Paid Off - 360		01-Jan-2005
311025299 1					95,009.75			14-Oct-2005		5.350%		NJ - 42.67%		Paid Off - 360		01-Jan-2005
321022008 1			386,250.00		383,424.65			04-Oct-2005		7.850%		CO - 75.00%		Paid Off - 360		01-Jan-2005
321022008 1					383,424.65			04-Oct-2005		7.850%		CO - 75.00%		Paid Off - 360		01-Jan-2005
331031041 1			292,500.00		289,836.47			27-Sep-2005		6.590%		NY - 65.00%		Paid Off - 360		01-Dec-2004
331031041 1					289,836.47			27-Sep-2005		6.590%		NY - 65.00%		Paid Off - 360		01-Dec-2004
331031414 1			418,500.00		414,667.36			03-Oct-2005		5.990%		NY - 90.00%		Paid Off - 360		01-Jan-2005
331031414 1					414,667.36			03-Oct-2005		5.990%		NY - 90.00%		Paid Off - 360		01-Jan-2005
331031446 1			360,000.00		356,967.87			27-Sep-2005		7.350%		NY - 80.00%		Paid Off - 360		01-Jan-2005
331031446 1					356,967.87					7.350%		NY - 80.00%		Paid Off - 360


Page 17 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 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

331031468 1			262,000.00		259,487.36			20-Sep-2005		6.500%		NJ - 84.52%		Paid Off - 360		01-Dec-2004
			262,000.00

331031840 1			423,200.00		418,338.84			21-Sep-2005		5.350%		NY - 80.00%		Paid Off - 360		01-Dec-2004
331031840 1					418,338.84			21-Sep-2005		5.350%		NY - 80.00%		Paid Off - 360		01-Dec-2004
331031843 1			79,350.00		78,852.17			21-Sep-2005		8.750%		NY - 95.00%		Paid Off - 360		01-Dec-2004
331031843 1					78,852.17			21-Sep-2005		8.750%		NY - 95.00%		Paid Off - 360		01-Dec-2004
331031874 1			60,000.00		59,692.86			29-Sep-2005		8.950%		NY - 55.54%		Paid Off - 360		01-Jan-2005
331031874 1					59,692.86			29-Sep-2005		8.950%		NY - 55.54%		Paid Off - 360		01-Jan-2005
331031878 1			243,000.00		240,940.63			04-Oct-2005		6.400%		NJ - 81.00%		Paid Off - 360		01-Jan-2005
331031878 1					240,940.63			04-Oct-2005		6.400%		NJ - 81.00%		Paid Off - 360		01-Jan-2005
331031910 1			228,000.00		225,764.71			29-Sep-2005		5.750%		NY - 60.00%		Paid Off - 360		01-Jan-2005
331031910 1					225,764.71			29-Sep-2005		5.750%		NY - 60.00%		Paid Off - 360		01-Jan-2005
331031931 1			301,750.00		298,818.28			21-Sep-2005		5.750%		NY - 85.00%		Paid Off - 360		01-Jan-2005
331031931 1					298,818.28			21-Sep-2005		5.750%		NY - 85.00%		Paid Off - 360		01-Jan-2005
331032093 1			248,500.00		246,619.74			28-Sep-2005		6.990%		NY - 70.00%		Paid Off - 360		01-Jan-2005
331032093 1					246,619.74			28-Sep-2005		6.990%		NY - 70.00%		Paid Off - 360		01-Jan-2005
341020714 1			237,600.00		120,802.77			07-Oct-2005		5.700%		NC - 80.00%		Paid Off - 360		01-Dec-2004
341020714 1					120,802.77			07-Oct-2005		5.700%		NC - 80.00%		Paid Off - 360		01-Dec-2004
361021811 1			67,000.00		66,353.88			04-Oct-2005		6.500%		MI - 47.86%		Paid Off - 360		01-Dec-2004
361021811 1					66,353.88			04-Oct-2005		6.500%		MI - 47.86%		Paid Off - 360		01-Dec-2004
361022075 1			81,900.00		81,501.76			23-Sep-2005		9.200%		MI - 70.00%		Paid Off - 360		01-Jan-2005
361022075 1					81,501.76			23-Sep-2005		9.200%		MI - 70.00%		Paid Off - 360		01-Jan-2005
371022179 1			112,700.00		111,493.53			27-Sep-2005		7.300%		FL - 70.00%		Paid Off - 360		01-Dec-2004
371022179 1					111,493.53			27-Sep-2005		7.300%		FL - 70.00%		Paid Off - 360		01-Dec-2004
371022240 1			52,250.00		51,881.34			28-Sep-2005		7.350%		FL - 95.00%		Paid Off - 360		01-Jan-2005
371022240 1					51,881.34			28-Sep-2005		7.350%		FL - 95.00%		Paid Off - 360		01-Jan-2005
371022324 1			281,250.00		279,688.31			05-Oct-2005		8.550%		FL - 75.00%		Paid Off - 360		01-Jan-2005
371022324 1					279,688.31			05-Oct-2005		8.550%		FL - 75.00%		Paid Off - 360		01-Jan-2005
371022373 1			114,500.00		113,776.78			22-Sep-2005		9.000%		FL - 78.97%		Paid Off - 360		01-Jan-2005
371022373 1					113,776.78			22-Sep-2005		9.000%		FL - 78.97%		Paid Off - 360		01-Jan-2005
371022385 1			102,400.00		101,854.05			14-Oct-2005		8.750%		FL - 80.00%		Paid Off - 360		01-Jan-2005
371022385 1					101,854.05			14-Oct-2005		8.750%		FL - 80.00%		Paid Off - 360		01-Jan-2005
371022658 1			130,500.00		129,524.00			21-Sep-2005		7.050%		FL - 88.78%		Paid Off - 360		01-Jan-2005
371022658 1					129,524.00			21-Sep-2005		7.050%		FL - 88.78%		Paid Off - 360		01-Jan-2005
381017585 1			152,000.00		150,915.16			16-Sep-2005		7.290%		RI - 62.81%		Paid Off - 360		01-Jan-2005
381017585 1					150,915.16			16-Sep-2005		7.290%		RI - 62.81%		Paid Off - 360		01-Jan-2005
381017646 1			271,500.00		269,355.66			06-Oct-2005		6.900%		MA - 89.90%		Paid Off - 360		01-Jan-2005
381017646 1					269,355.66			06-Oct-2005		6.900%		MA - 89.90%		Paid Off - 360		01-Jan-2005
381017660 1			229,500.00		228,062.27			04-Oct-2005		7.950%		RI - 85.00%		Paid Off - 360		01-Jan-2005
381017660 1					228,062.27			04-Oct-2005		7.950%		RI - 85.00%		Paid Off - 360		01-Jan-2005
511032107 1			474,050.00		470,572.95			23-Sep-2005		7.150%		CA - 95.00%		Paid Off - 360		01-Jan-2005
511032107 1					470,572.95			23-Sep-2005		7.150%		CA - 95.00%		Paid Off - 360		01-Jan-2005
521020676 1			183,200.00		181,866.74			12-Oct-2005		7.190%		IL - 80.00%		Paid Off - 360		01-Jan-2005
521020676 1					181,866.74			12-Oct-2005		7.190%		IL - 80.00%		Paid Off - 360		01-Jan-2005
521020934 1			123,750.00		123,109.68			04-Oct-2005		8.900%		OH - 75.00%		Paid Off - 360		01-Jan-2005
521020934 1					123,109.68			04-Oct-2005		8.900%		OH - 75.00%		Paid Off - 360		01-Jan-2005
561000941 1			206,411.00		205,117.94			03-Oct-2005		7.950%		FL - 78.78%		Paid Off - 360		01-Jan-2005
561000941 1					205,117.94			03-Oct-2005		7.950%		FL - 78.78%		Paid Off - 360		01-Jan-2005
611013055 1			275,000.00		272,882.67			22-Sep-2005		6.900%		NY - 76.39%		Paid Off - 360		01-Jan-2005
611013055 1					272,882.67			22-Sep-2005		6.900%		NY - 76.39%		Paid Off - 360		01-Jan-2005
611013115 1			315,000.00		312,143.55			12-Oct-2005		6.200%		NY - 73.26%		Paid Off - 360		01-Jan-2005
611013115 1					312,143.55			12-Oct-2005		6.200%		NY - 73.26%		Paid Off - 360		01-Jan-2005
611013342 1			174,250.00		172,654.19			22-Sep-2005		5.990%		NY - 85.00%		Paid Off - 360		01-Jan-2005
611013342 1					172,654.19			22-Sep-2005		5.990%		NY - 85.00%		Paid Off - 360		01-Jan-2005
621005133 1			98,000.00		97,354.81			26-Sep-2005		7.700%		FL - 67.59%		Paid Off - 360		01-Jan-2005
621005133 1					97,354.81			26-Sep-2005		7.700%		FL - 67.59%		Paid Off - 360		01-Jan-2005
621005212 1			57,000.00		56,725.74			14-Oct-2005		9.250%		FL - 76.03%		Paid Off - 360		01-Jan-2005
621005212 1					56,725.74			14-Oct-2005		9.250%		FL - 76.03%		Paid Off - 360		01-Jan-2005
621005236 1			107,200.00		106,685.05			20-Sep-2005		9.850%		FL - 80.00%		Paid Off - 360		01-Jan-2005
621005236 1					106,685.05			20-Sep-2005		9.850%		FL - 80.00%		Paid Off - 360		01-Jan-2005
631004801 1			535,000.00		528,414.71			13-Oct-2005		5.900%		CA - 49.02%		Paid Off - 360		01-Dec-2004
631004801 1					528,414.71			13-Oct-2005		5.900%		CA - 49.02%		Paid Off - 360		01-Dec-2004
631004986 1			100,000.00		99,579.60			30-Sep-2005		9.900%		CA - 66.91%		Paid Off - 360		01-Jan-2005
631004986 1					99,579.60			30-Sep-2005		9.900%		CA - 66.91%		Paid Off - 360		01-Jan-2005
631005023 1			360,000.00		357,307.64			03-Oct-2005		7.050%		CA - 90.00%		Paid Off - 360		01-Jan-2005
631005023 1					357,307.64			03-Oct-2005		7.050%		CA - 90.00%		Paid Off - 360		01-Jan-2005
631005040 1			522,500.00		522,233.16			14-Oct-2005		6.700%		CA - 95.00%		Paid Off - 360		01-Jan-2005
631005040 1					522,233.16			14-Oct-2005		6.700%		CA - 95.00%		Paid Off - 360		01-Jan-2005
651006402 1			201,000.00		199,277.04			21-Sep-2005		6.340%		VA - 68.14%		Paid Off - 360		01-Jan-2005
651006402 1					199,277.04			21-Sep-2005		6.340%		VA - 68.14%		Paid Off - 360		01-Jan-2005
661002787 1			256,900.00		254,595.51			26-Sep-2005		6.100%		CA - 87.08%		Paid Off - 360		01-Jan-2005
661002787 1					254,595.51			26-Sep-2005		6.100%		CA - 87.08%		Paid Off - 360		01-Jan-2005
661002821 1			329,000.00		327,449.10			21-Sep-2005		9.350%		CA - 70.00%		Paid Off - 360		01-Jan-2005
661002821 1					327,449.10			21-Sep-2005		9.350%		CA - 70.00%		Paid Off - 360		01-Jan-2005
661002965 1			167,120.00		165,634.97			23-Sep-2005		6.150%		CA - 80.00%		Paid Off - 360		01-Jan-2005
661002965 1					165,634.97					6.150%		CA - 80.00%		Paid Off - 360


Page 18 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 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

661002976 1			382,500.00		379,258.43			12-Oct-2005		6.400%		CA - 90.00%		Paid Off - 360		01-Jan-2005
			382,500.00

661003150 1			225,000.00		222,926.68			23-Sep-2005		6.100%		CA - 64.29%		Paid Off - 360		01-Jan-2005
661003150 1					222,926.68			23-Sep-2005		6.100%		CA - 64.29%		Paid Off - 360		01-Jan-2005
671001534 1			220,000.00		219,696.26			30-Sep-2005		5.800%		CA - 89.80%		Paid Off - 360		01-Jan-2005
671001534 1					219,696.26			30-Sep-2005		5.800%		CA - 89.80%		Paid Off - 360		01-Jan-2005
671001625 1			412,000.00		409,116.68			03-Oct-2005		7.390%		CA - 86.74%		Paid Off - 360		01-Jan-2005
671001625 1					409,116.68			03-Oct-2005		7.390%		CA - 86.74%		Paid Off - 360		01-Jan-2005
671001698 1			258,985.00		256,085.78			04-Oct-2005		5.490%		CA - 80.00%		Paid Off - 360		01-Dec-2004
671001698 1					256,085.78			04-Oct-2005		5.490%		CA - 80.00%		Paid Off - 360		01-Dec-2004
671001710 1			212,000.00		209,979.28			30-Sep-2005		6.350%		CA - 73.10%		Paid Off - 360		01-Dec-2004
671001710 1					209,979.28			30-Sep-2005		6.350%		CA - 73.10%		Paid Off - 360		01-Dec-2004
671001718 1			113,000.00		111,860.16			29-Sep-2005		6.050%		CA - 70.63%		Paid Off - 360		01-Dec-2004
671001718 1					111,860.16			29-Sep-2005		6.050%		CA - 70.63%		Paid Off - 360		01-Dec-2004
681002805 1			117,000.00		116,237.31			19-Sep-2005		7.750%		VT - 90.00%		Paid Off - 360		01-Jan-2005
681002805 1					116,237.31			19-Sep-2005		7.750%		VT - 90.00%		Paid Off - 360		01-Jan-2005
681002826 1			68,400.00		67,913.94			27-Sep-2005		7.550%		ME - 90.00%		Paid Off - 360		01-Jan-2005
681002826 1					67,913.94			27-Sep-2005		7.550%		ME - 90.00%		Paid Off - 360		01-Jan-2005
681002907 1			156,000.00		154,931.65			19-Sep-2005		7.500%		ME - 80.00%		Paid Off - 360		01-Jan-2005
681002907 1					154,931.65			19-Sep-2005		7.500%		ME - 80.00%		Paid Off - 360		01-Jan-2005
681002947 1			107,000.00		106,230.13			04-Oct-2005		7.250%		ME - 63.69%		Paid Off - 360		01-Jan-2005
681002947 1					106,230.13			04-Oct-2005		7.250%		ME - 63.69%		Paid Off - 360		01-Jan-2005
711004855 1			91,000.00		90,230.01			27-Sep-2005		6.490%		NY - 65.00%		Paid Off - 360		01-Jan-2005
711004855 1					90,230.01			27-Sep-2005		6.490%		NY - 65.00%		Paid Off - 360		01-Jan-2005
711005051 1			232,000.00		229,985.06			20-Sep-2005		6.300%		CT - 80.00%		Paid Off - 360		01-Jan-2005
711005051 1					229,985.06			20-Sep-2005		6.300%		CT - 80.00%		Paid Off - 360		01-Jan-2005
731007741 1			201,600.00		200,787.32			28-Sep-2005		10.100%		VA - 80.00%		Paid Off - 360		01-Jan-2005
731007741 1					200,787.32			28-Sep-2005		10.100%		VA - 80.00%		Paid Off - 360		01-Jan-2005
741008486 1			67,200.00		66,697.45			14-Oct-2005		7.050%		OH - 70.00%		Paid Off - 360		01-Jan-2005
741008486 1					66,697.45			14-Oct-2005		7.050%		OH - 70.00%		Paid Off - 360		01-Jan-2005
761005141 1			128,800.00		128,327.94			22-Sep-2005		10.550%		IL - 80.00%		Paid Off - 360		01-Jan-2005
761005141 1					128,327.94			22-Sep-2005		10.550%		IL - 80.00%		Paid Off - 360		01-Jan-2005
841001551 1			128,700.00		127,460.59			19-Sep-2005		6.700%		MI - 74.39%		Paid Off - 360		01-Dec-2004
841001551 1					127,460.59			19-Sep-2005		6.700%		MI - 74.39%		Paid Off - 360		01-Dec-2004
841001800 1			50,000.00		48,009.75			21-Sep-2005		7.650%		MI - 58.14%		Paid Off - 360		01-Jan-2005
841001800 1					48,009.75			21-Sep-2005		7.650%		MI - 58.14%		Paid Off - 360		01-Jan-2005


TOTAL			26,133,483.00		25,816,375.30
TOTAL


Page 19 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 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

Cumulative
Cumulative



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










Page 20 of 25
Citigroup Mortgage Loan Trust 2005-OPT1

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

October 25, 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

October 25, 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

October 25, 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

October 25, 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								33,784,809.48
						Delinquency Percentage								2.5000%
						Balance of Mezzanine and C Class								146,096,619.00
						Ending Balance								648,444,392.82
						Credit Enhancement Percentage								25.1700%



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

October 25, 2005 Distribution
Additional Certificate Report

ADDITIONAL CERTIFICATE REPORT

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

			A-1A							0.090%			$0.00		$0.00
										0.090%			$0.00		$0.00
			A-1B							0.210%			$0.00		$0.00
										0.210%			$0.00		$0.00
			A-1C							0.350%			$0.00		$0.00
										0.350%			$0.00		$0.00
			M-1							0.420%			$0.00		$0.00
										0.420%			$0.00		$0.00
			M-2							0.440%			$0.00		$0.00
										0.440%			$0.00		$0.00
			M-3							0.470%			$0.00		$0.00
										0.470%			$0.00		$0.00
			M-4							0.700%			$0.00		$0.00
										0.700%			$0.00		$0.00
			M-5							0.730%			$0.00		$0.00
										0.730%			$0.00		$0.00
			M-6							0.760%			$0.00		$0.00
										0.760%			$0.00		$0.00
			M-7							1.240%			$0.00		$0.00
										1.240%			$0.00		$0.00
			M-8							1.290%			$0.00		$0.00
										1.290%			$0.00		$0.00
			M-9							2.250%			$0.00		$0.00
										2.250%			$0.00		$0.00
			M-10							2.250%			$0.00		$0.00
										2.250%			$0.00		$0.00
			CE							0.000%			$0.00		$0.00
										0.000%			$0.00		$0.00
			P							0.000%			$0.00		$0.00
										0.000%			$0.00		$0.00
			R							0.000%			$0.00		$0.00
										0.000%			$0.00		$0.00






Page 25 of 25

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