8-K 1 final_2005-02.txt 1 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: December 27, 2005 ---------------------------------- (Date of earliest event reported) CITIGROUP MORTGAGE LOAN TRUST, INC. (Packager and Servicer) (Issuer in Respect of the REMIC Pass-Through Certificates Series 2005-02) ------------------------------------------------------------------------ (Exact name of registrant as specified in charter) Delaware 333-117349-08 11-2418191 -------------------------------------------------------------------------------- (State or other jurisdiction (Commission File Nos.) (I.R.S. Employer of organization) Identification No.) 390 Greenwich Street, New York, NY 10013 ---------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (212) 816-6000 -------------------------------------------------------------------------- (Former name, former address and former fiscal year, if changed since last report.) 1 2 Item 8.01. Other Events. ------------- CITIGROUP MORTGAGE LOAN TRUST, INC. REMIC Pass-Through Certificates, Series 2005-02 ---------------------------------------------- Attached as Exhibit I is the monthly servicing report for the month of November 2005. 2 3 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. CITIGROUP MORTGAGE LOAN TRUST, INC. (Registrant) By: /s/ Cathy Johnson ------------------------- Cathy Johnson Assistant Vice President Dated: December 27, 2005 3 4 EXHIBIT INDEX Exhibit No. Page No. ----------- -------- I monthly servicing report for November 2005 5 4 5 EXHIBIT I --------- Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2005-02 Payment Date: 12/27/2005 Issuer: Citigroup Mortgage Loan Trust Inc. Record Date: 30-Nov-05 Distribution Date: 27-Dec-05 Distribution #: 7 Trustee U.S. Bank National Association Clare M. O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Norma Wesselmann (636) 261-1368 Paying Agent: Citibank N.A. Jennifer McCourt (212) 816-5680

~~UNITED~~----------------------------------------------------------------------------------------------- ~~STATES~~Next Current Succeeding Class Coupon Type Coupon Coupon Original Par CUSIP # ----------------------------------------------------------------------------------------------- I-A1 Variable 4.29455% 4.34648% $90,426,000.00 17307GQY7 ------------------- Class A-I-1 Total $90,426,000.00 I-A2A Variable 4.58714% 4.60115% $367,509,000.00 17307GQZ4 I-A2B Variable 4.58714% 4.60115% $42,933,000.00 17307GRA8 I-R RES 4.60054% 0.00000% $100.00 17307GRL4 ------------------- Class A-I-2 Total $410,442,100.00 I-A3 Variable 4.95046% 4.96387% $30,000,000.00 17307GRB6 I-A3A Variable 4.95046% 4.96387% $219,057,000.00 17307GRC4 I-A3B Variable 4.95046% 4.96387% $8,571,000.00 17307GRD2 ------------------- Class A-I-3 Total $257,628,000.00 I-A4 Variable 5.13089% 5.14185% $299,417,000.00 17307GRE0 ------------------- Class A-I-4 Total $299,417,000.00 I-A5A Variable 5.10398% 5.24687% $164,585,000.00 17307GRF7 I-A5B Variable 5.10398% 5.24687% $7,940,000.00 17307GRG5 ------------------- Class A-I-5 Total $172,525,000.00 II-A1-1 Fixed 5.50000% 5.50000% $32,545,000.00 17307GRM2 II-A1-2 Fixed 6.00000% 6.00000% $54,915,000.00 17307GRN0 II-PO1 Principal Only 0.00000% 0.00000% $173,204.00 17307GRS9 ** II-XS1 Interest Only 0.21430% 0.21519% $28,424,361.96 17307GRQ3 II-R RES 0.00000% 5.50000% $100.00 17307GRX8 ------------------- Class A-II-1 Total $87,633,304.00 II-A2 Fixed 5.50000% 5.50000% $22,463,000.00 17307GRP5 II-PO2 Principal Only 0.00000% 0.00000% $1,092,701.00 17307GRT7 ** II-XS2 Interest Only 0.18895% 0.18896% $5,985,532.13 17307GRR1 ------------------- Class A-II-2 Total $23,555,701.00 I-B1 Variable 4.84714% 4.88127% $23,811,000.00 17307GRH3 I-B2 Variable 4.84714% 4.88127% $10,940,000.00 17307GRJ9 I-B3 Variable 4.84714% 4.88127% $8,366,000.00 17307GRK6 I-B4 Variable 4.84714% 4.88127% $5,148,000.00 17307GRY6 I-B5 Variable 4.84714% 4.88127% $2,574,000.00 17307GRZ3 I-B6 Variable 4.84714% 4.88127% $5,792,568.51 17307GSA7 ------------------- Class SUB-I Total $56,631,568.51 II-B1 Variable 5.74782% 5.74798% $2,288,000.00 17307GRU4 II-B2 Variable 5.74782% 5.74798% $1,408,000.00 17307GRV2 II-B3 Variable 5.74782% 5.74798% $821,000.00 17307GRW0 II-B4 Variable 5.74782% 5.74798% $704,000.00 17307GSB5 II-B5 Variable 5.74782% 5.74798% $352,000.00 17307GSC3 II-B6 Variable 5.74782% 5.74798% $588,727.03 17307GSD1 ------------------- Class SUB-II Total $6,161,727.03 =================== $1,404,420,400.54 ** Denotes Notional Balance

6 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificate Holders Remic Pass-Through Certificate Series Name: CMLTI 2005-02 Payment Date: 12/27/2005

~~SECURITIES~~----------------------------------------------------------------------------------------------------------------------------------- ~~AND~~Non ~~EXCHANGE~~Supported ~~COMMISSION~~Net WAC Relief Act. Interest Interest Interest Interest Interest Interest Principal CLASS Accrued Shortfall Carryover Shortfall Shortfall Recoveries Recoveries Interest Paid ----------------------------------------------------------------------------------------------------------------------------------- I-A1 $249,393.13 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $249,393.13 ---------------------------------------------------------------------------------------------------------------------- A-I-1 Total $249,393.13 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $249,393.13 I-A2A $1,247,666.69 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,247,666.69 I-A2B $145,754.46 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $145,754.46 I-R $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 ---------------------------------------------------------------------------------------------------------------------- A-I-2 Total $1,393,421.15 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,393,421.15 I-A3 $112,274.85 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $112,274.85 I-A3A $819,819.71 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $819,819.71 I-A3B $32,076.92 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $32,076.92 ---------------------------------------------------------------------------------------------------------------------- A-I-3 Total $964,171.48 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $964,171.48 I-A4 $1,195,899.54 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,195,899.54 ---------------------------------------------------------------------------------------------------------------------- A-I-4 Total $1,195,899.54 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,195,899.54 I-A5A $643,480.46 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $643,480.46 I-A5B $31,043.14 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $31,043.14 ---------------------------------------------------------------------------------------------------------------------- A-I-5 Total $674,523.60 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $674,523.60 II-A1-1 $143,109.70 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $143,109.70 II-A1-2 $241,261.16 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $241,261.16 II-PO1 $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 II-XS1 $4,320.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $4,320.00 II-R $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 ---------------------------------------------------------------------------------------------------------------------- A-II-1 Total $388,690.86 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $388,690.86 II-A2 $94,835.70 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $94,835.70 II-PO2 $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 II-XS2 $819.67 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $819.67 ---------------------------------------------------------------------------------------------------------------------- A-II-2 Total $95,655.37 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $95,655.37 I-B1 $95,677.37 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $95,677.37 I-B2 $43,959.11 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $43,959.11 I-B3 $33,616.27 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $33,616.27 I-B4 $20,685.70 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $20,685.70 I-B5 $10,342.85 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $10,342.85 I-B6 $23,275.70 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $23,275.70 ---------------------------------------------------------------------------------------------------------------------- SUB-I Total $227,557.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $227,557.00 II-B1 $10,853.23 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $10,853.23 II-B2 $6,678.91 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $6,678.91 II-B3 $3,894.45 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $3,894.45 II-B4 $3,339.45 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $3,339.45 II-B5 $1,669.73 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,669.73 II-B6 $2,792.65 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $2,792.65 ---------------------------------------------------------------------------------------------------------------------- SUB-II Total $29,228.42 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $29,228.42 ====================================================================================================================== Total $5,218,540.55 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $5,218,540.55

~~Washington,~~------------------------------------------------------------------------------------------------------------------ DInterest Cum Non Supported Cum Net WAC Cum Relief Act Cum Unpaid Paid Per Interest Interest Interest Interest CLASS Certificate Shortfalls Carryover Amount Shortfalls Shortfalls ------------------------------------------------------------------------------------------------------------------ I-A1 2.C75798034 $0.00 ~~20549~~$0.00 $0.00 $0.00 ------------------------------------------------------------------------------- A-I-1 Total $0.00 $0.00 $0.00 $0.00 I-A2A 3.39492826 $0.00 $0.00 $0.00 $0.00 I-A2B 3.39492838 $0.00 $0.00 $0.00 $0.00 I-R 0.00000000 $0.00 $0.00 $0.00 $0.00 ------------------------------------------------------------------------------- A-I-2 Total $0.00 $0.00 $0.00 $0.00 I-A3 3.74249500 $0.00 $0.00 $0.00 $0.00 I-A3A 3.74249492 $0.00 $0.00 $0.00 $0.00 I-A3B 3.74249446 $0.00 $0.00 $0.00 $0.00 ------------------------------------------------------------------------------- A-I-3 Total $0.00 $0.00 $0.00 $0.00 I-A4 3.99409366 $0.00 $0.00 $0.00 $0.00 ------------------------------------------------------------------------------- A-I-4 Total $0.00 $0.00 $0.00 $0.00 I-A5A 3.90971510 $0.00 $0.00 $0.00 $0.00 I-A5B 3.90971537 $0.00 $0.00 $0.00 $0.00 ------------------------------------------------------------------------------- A-I-5 Total $0.00 $0.00 $0.00 $0.00 II-A1-1 4.39728683 $0.00 $0.00 $0.00 $0.00 II-A1-2 4.39335628 $0.00 $0.00 $0.00 $0.00 II-PO1 0.00000000 $0.00 $0.00 $0.00 $0.00 II-XS1 0.15198230 $0.00 $0.00 $0.00 $0.00 II-R 0.00000000 $0.00 $0.00 $0.00 $0.00 ------------------------------------------------------------------------------- A-II-1 Total $0.00 $0.00 $0.00 $0.00 II-A2 4.22186262 $0.00 $0.00 $0.00 $0.00 II-PO2 0.00000000 $0.00 $0.00 $0.00 $0.00 II-XS2 0.13694188 $0.00 $0.00 $0.00 $0.00 ------------------------------------------------------------------------------- A-II-2 Total $0.00 $0.00 $0.00 $0.00 I-B1 4.01820041 $0.00 $0.00 $0.00 $0.00 I-B2 4.01820018 $0.00 $0.00 $0.00 $0.00 I-B3 4.01820105 $0.00 $0.00 $0.00 $0.00 I-B4 4.01820124 $0.00 $0.00 $0.00 $0.00 I-B5 4.01820124 $0.00 $0.00 $0.00 $0.00 I-B6 4.01820021 $0.00 $0.00 $0.00 $0.00 ------------------------------------------------------------------------------- SUB-I Total $0.00 $0.00 $0.00 $0.00 II-B1 4.74354458 $0.00 $0.00 $0.00 $0.00 II-B2 4.74354403 $0.00 $0.00 $0.00 $0.00 II-B3 4.74354446 $0.00 $0.00 $0.00 $0.00 II-B4 4.74353693 $0.00 $0.00 $0.00 $0.00 II-B5 4.74355114 $0.00 $0.00 $0.00 $0.00 II-B6 4.74353963 $0.00 $0.00 $0.00 $0.00 ------------------------------------------------------------------------------- SUB-II Total $0.00 $0.00 $0.00 $0.00 ================================================================================= Total $0.00 $0.00 $0.00 $0.00

P Class Interest Paid, represents Prepayment Charges collected by the Master Servicer or any Sub-Servicer in connection with the Principal Prepayment of any of the Mortgage loans or servicer Prepayment Charge Payment Amount. 7 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2005-02 Payment Date: 12/27/2005

~~Form~~--------------------------------------------------------------------------------------------------------------- Certificate Reductions not part of Principal distributions Paid Cumulative Principal to reduce Principal Per Principal CLASS Due Stated Amount Paid Certificate Loss --------------------------------------------------------------------------------------------------------------- I-A1 $2,295,093.79 $0.00 $2,295,093.79 25.38090582 0.00 ---------------------------------------------------------------------------------------------------- A-I-1 Total $2,295,093.79 $0.00 $2,295,093.79 0.00 I-A2A $6,067,758.93 $0.00 $6,067,758.93 16.51050431 0.00 I-A2B $708,845.48 $0.00 $708,845.48 16.51050427 0.00 I-R $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A-I-2 Total $6,776,604.41 $0.00 $6,776,604.41 0.00 I-A3 $198,134.38 $0.00 $198,134.38 6.60447933 0.00 I-A3A $1,446,757.43 $0.00 $1,446,757.43 6.60447934 0.00 I-A3B $56,606.99 $0.00 $56,606.99 6.60447906 0.00 ---------------------------------------------------------------------------------------------------- A-I-3 Total $1,701,498.80 $0.00 $1,701,498.80 0.00 I-A4 $3,235,518.83 $0.00 $3,235,518.83 10.80606255 0.00 ---------------------------------------------------------------------------------------------------- A-I-4 Total $3,235,518.83 $0.00 $3,235,518.83 0.00 I-A5A $1,898,792.94 $0.00 $1,898,792.94 11.53685293 0.00 I-A5B $91,602.61 $0.00 $91,602.61 11.53685264 0.00 ---------------------------------------------------------------------------------------------------- A-I-5 Total $1,990,395.55 $0.00 $1,990,395.55 0.00 II-A1-1 $355,780.55 $0.00 $355,780.55 10.93195729 0.00 II-A1-2 $478,471.41 $0.00 $478,471.41 8.71294564 0.00 II-KPO1 $8,074.80 $0.00 $8,074.80 46.62017043 0.00 II-XS1 $.00 $0.00 $.00 0.00000000 0.00 II-R $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A-II-1 Total $842,326.76 $0.00 $842,326.76 0.00 II-A2 $387,604.72 $0.00 $387,604.72 17.25525175 0.00 II-PO2 $24,574.41 $0.00 $24,574.41 22.48960146 0.00 II-XS2 $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A-II-2 Total $412,179.13 $0.00 $412,179.13 0.00 I-B1 $21,121.13 $0.00 $21,121.13 0.88703246 0.00 I-B2 $9,704.14 $0.00 $9,704.14 0.88703291 0.00 I-B3 $7,420.92 $0.00 $7,420.92 0.88703323 0.00 I-B4 $4,566.44 $0.00 $4,566.44 0.88703186 0.00 I-B5 $2,283.22 $0.00 $2,283.22 0.88703186 0.00 I-B6 $5,138.20 $0.00 $5,138.20 0.88703310 0.00 ---------------------------------------------------------------------------------------------------- SUB-I Total $50,234.05 $0.00 $50,234.05 0.00 II-B1 $3,758.44 $0.00 $3,758.44 1.64267483 0.00 II-B2 $2,312.89 $0.00 $2,312.89 1.64267756 0.00 II-B3 $1,348.64 $0.00 $1,348.64 1.64267966 0.00 II-B4 $1,156.44 $0.00 $1,156.44 1.64267045 0.00 II-B5 $578.22 $0.00 $578.22 1.64267045 0.00 II-B6 $967.08 $0.00 $967.08 1.64266281 0.00 ---------------------------------------------------------------------------------------------------- SUB-II Total $10,121.71 $0.00 $10,121.71 0.00 ===================================================================================================== Total $17,313,973.03 $0.00 $17,313,973.03 0.00

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Series Name: CMLTI 2005-02 Remic Pass-Through Certificate Payment Date: 12/27/2005

~~CURRENT~~----------------------------------------------------------------------------------------------------------------------------------- ~~REPORT~~CLASS Previous Period's Ending Period's Beginning Balance Ending Balance Ending Balance Beginning Ending Prepayment Balance Balance Per Certificate Per Certificate Pool Factor Class PCT Class PCT Percentage ----------------------------------------------------------------------------------------------------------------------------------- I-A1 $69,686,471.69 $67,391,377.90 770.64640358 745.26549776 0.74526550 94.408220766% 94.236489851% 100.000000000% ----------------------------------------------------------------------------------------------------------------------- A-I-1 Tota $69,686,471.69 $67,391,377.90 94.408220766% 94.236489851% 100.000000000% I-A2A $326,390,603.00 $320,322,844.07 888.11594546 871.60544115 0.87160544 85.160709595% 85.087539304% 89.539813177% I-A2B $38,129,481.88 $37,420,636.40 888.11594531 871.60544104 0.87160544 9.948612808% 9.940064935% 10.460186823% I-R $.00 $.00 0.00000000 0.00000000 0.00000000 0.000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A-I-2 Tota $364,520,084.88 $357,743,480.47 95.109322403% 95.027604240% 100.000000000% I-A3 $27,215,641.07 $27,017,506.69 907.18803567 900.58355633 0.90058356 11.085292065% 11.081874339% 11.644697005% I-A3A $198,725,889.63 $197,279,132.20 907.18803613 900.58355679 0.90058356 80.943694172% 80.918738280% 85.028413060% I-A3B $7,775,508.66 $7,718,901.67 907.18803640 900.58355734 0.90058356 3.167067945% 3.166091502% 3.326889934% ----------------------------------------------------------------------------------------------------------------------- A-I-3 Tota $233,717,039.36 $232,015,540.56 95.196054183% 95.166704121% 100.000000000% I-A4 $279,693,933.50 $276,458,414.67 934.12843459 923.32237204 0.92332237 95.311253403% 95.260149900% 100.000000000% ----------------------------------------------------------------------------------------------------------------------- A-I-4 Tota $279,693,933.50 $276,458,414.67 95.311253403% 95.260149900% 100.000000000% I-A5A $151,288,995.00 $149,390,202.06 919.21496491 907.67811198 0.90767811 90.865215809% 90.813198628% 95.397768439% I-A5B $7,298,566.82 $7,206,964.21 919.21496474 907.67811209 0.90767811 4.383569665% 4.381060225% 4.602231560% ----------------------------------------------------------------------------------------------------------------------- A-I-5 Tota $158,587,561.82 $156,597,166.27 95.248785475% 95.194258854% 100.000000000% II-A1-1 $31,223,934.91 $30,868,154.36 959.40804763 948.47609034 0.94847609 94.545192942% 94.491532045% 100.000000000% II-A1-2 $48,252,231.90 $47,773,760.49 878.67125376 869.95830811 0.86995831 94.101649582% 94.051800468% 100.000000000% II-PO1 $171,419.88 $163,345.08 989.69931410 943.07914367 0.94307914 0.000000000% 0.000000000% 0.000000000% ** II-XS1 $24,189,881.70 $23,949,146.95 851.02637428 842.55706368 0.84255706 0.000000000% 0.000000000% 0.000000000% II-R $.00 $.00 0.00000000 0.00000000 0.00000000 0.000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A-II-1 Tot $79,647,586.69 $78,805,259.93 % % % II-A2 $20,691,424.74 $20,303,820.02 921.13363041 903.87837867 0.90387838 94.190523171% 94.108213955% 100.000000000% II-PO2 $1,031,162.25 $1,006,587.84 943.68198620 921.19238474 0.92119238 0.000000000% 0.000000000% 0.000000000% ** II-XS2 $5,205,646.69 $5,184,882.68 869.70491127 866.23587801 0.86623588 0.000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A-II-2 Tot $21,722,586.99 $21,310,407.86 94.190523171% 94.108213955% 100.000000000% I-B1 $23,686,698.10 $23,665,576.97 994.77964386 993.89261140 0.99389261 2.037493528% 2.064173463% 0.000000000% I-B2 $10,882,889.30 $10,873,185.16 994.77964351 993.89261060 0.99389261 0.936129485% 0.948387622% 0.000000000% I-B3 $8,322,326.49 $8,314,905.57 994.77964260 993.89260937 0.99389261 0.715873790% 0.725247791% 0.000000000% I-B4 $5,121,125.61 $5,116,559.17 994.77964452 993.89261267 0.99389261 0.440511389% 0.446279660% 0.000000000% I-B5 $2,560,562.81 $2,558,279.59 994.77964646 993.89261461 0.99389261 0.220255695% 0.223139830% 0.000000000% I-B6 $5,762,329.24 $5,757,191.04 994.77964396 993.89261086 0.99389261 0.495666744% 0.502157246% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB-I Tota $56,335,931.55 $56,285,697.50 4.845930633% 4.909385616% 0.000000000% II-B1 $2,265,880.41 $2,262,121.97 990.33234703 988.68967220 0.98868967 2.132197024% 2.153627188% 0.000000000% II-B2 $1,394,387.94 $1,392,075.05 990.33234375 988.68966619 0.98868967 1.312121241% 1.325309030% 0.000000000% II-B3 $813,062.85 $811,714.21 990.33233861 988.68965895 0.98868966 0.765093418% 0.772783172% 0.000000000% II-B4 $697,193.96 $696,037.52 990.33232955 988.68965909 0.98868966 0.656060611% 0.662654510% 0.000000000% II-B5 $348,596.98 $348,018.76 990.33232955 988.68965909 0.98868966 0.328030305% 0.331327255% 0.000000000% II-B6 $583,035.44 $582,068.36 990.33237866 988.68971584 0.98868972 0.548637264% 0.554151483% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB-II Tot $6,102,157.58 $6,092,035.87 5.742139865% 5.799852640% 0.000000000% ====================================================================================================================== Total 1,270,013,354.06 1,252,699,381.03 PO Balance $1,202,582.13 $1,169,932.92 Non PO Bal1,268,810,771.93 $1,251,529,448.11

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2005-02 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 12/27/2005 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$5,488,453.84 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- 22,532,513.58 $0.00 $0.00 $22,532,513.58 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: Loan level information (including data on REO, loans in foreclosure and realized losses) is available on the Citimortgagembs.com website in the payment and summary section of the CMLTI shelf 10 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2005-02 Payment Date: 12/27/2005 DELINQUENCY (1)

~~Pursuant~~--------------------------------------------------------------------------------------------------------- toNumber ~~Section~~of Amount of Scheduled Amount of Actual loans Balance Balance Pool Item # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 DAYS 75 1.51%16,448,260.83 1.43% $16,478,772.71 1.44% Arms Total (2) 60-89 Days 18 0.36% $2,691,610.63 0.23% $2,699,729.10 0.24% (2) 90 + DAYS 9 0.18% $1,704,759.09 0.15% $1,711,728.26 0.15% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 3 0.06% $767,053.97 0.07% $769,265.84 0.07% BANKRUPTCIES IN PROCESS 1 0.02% $100,762.08 0.01% $101,237.25 0.01% PURCHASE AMOUNT ADVANCES NA (2) 30-59 DAYS 3 0.76% $572,036.77 0.80% $573,476.22 0.80% 3 Arms (2) 60-89 Days 2 0.51% $145,765.43 0.20% $146,351.27 0.20% (2) 90 + DAYS 1 0.25% $91,374.55 0.13% or$92,123.41 0.13% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 1 0.25% $91,374.55 0.13% $92,123.41 0.13% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA (2) 30-59 DAYS 33 1.51% $5,503,171.33 1.46% $5,517,294.52 1.47% 5 Arms (2) 60-89 Days 7 0.32% $1,060,679.48 0.28% $1,064,838.55 0.28% (2) 90 + DAYS 3 0.14% $579,160.71 0.15% $582,097.87 0.15% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 1 0.05% $275,679.42 0.07% $277,142.43 0.07% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA (d2) of30-59 ~~the~~DAYS 20 1.51% $3,677,549.69 1.51% $3,686,014.09 1.51% 7 Arms-1 (2) 60-89 Days 6 0.45% $911,479.53 0.37% $912,870.24 0.37% (2) 90 + DAYS 4 0.30% $634,223.83 0.26% $637,506.98 0.26% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 1 0.08% $100,762.08 0.04% $101,237.25 0.04% PURCHASE AMOUNT ADVANCES NA (2) 30-59 DAYS 7 1.31% $3,582,162.23 1.23% $3,584,545.34 1.24% 7 Arms-2 (2) 60-89 Days 0 0.00% $0.00 0.00% $0.00 0.00% (2) 90 + DAYS 1 0.19% $400,000.00 0.14% $400,000.00 0.14% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 1 0.19% $400,000.00 0.14% $400,000.00 0.14% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA (2) 30-59 DAYS 12 2.23% $3,113,340.81 1.89% $3,117,442.54 1.90% 10 Arms (2) 60-89 Days 3 0.56% $573,686.19 0.35% $575,669.04 0.35% (2) 90 + DAYS 0 0.00% $0.00 0.00% $0.00 0.00% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA (2) 30-59 DAYS 10 1.33% $1,293,011.43 1.22% $1,296,528.76 1.22% Fixed Total (2) 60-89 Days 1 0.13% $90,797.46 0.09% $91,827.01 0.09% (2) 90 + DAYS 5 0.66% $517,243.10 0.49% $520,339.00 0.49% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA (2) 30-59 DAYS 8 1.40% $1,132,848.80 1.35% $1,135,095.39 1.36% Fixed 1 (2) 60-89 Days 0 0.00% $0.00 0.00% $0.00 0.00% (2) 90 + DAYS 4 0.70% $426,273.36 0.51% $427,999.18 0.51% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA (2) 30-59 DAYS 2 1.10% $160,162.63 0.71% $161,433.37 0.71% Fixed 2 (2) 60-89 Days 1 0.55% $90,797.46 0.40% $91,827.01 0.41% (2) 90 + DAYS 1 0.55% $90,969.74 0.40% $92,339.82 0.41% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST.

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 31, 2005

CITIGROUP MORTGAGE LOAN TRUST INC.

(as depositor under the Pooling and Servicing Agreement,

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

Mortgage Pass-Through Certificates, Series 2005-2)

Citigroup Mortgage Loan Trust Inc.

(Exact name of registrant as specified in its charter)

Delaware	333-117349-14	01-0791848
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification Number)
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

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

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

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

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

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

SECTION 2- Completion of Acquisition of Disposition of Assets

Item 2.01 Acquisition or Disposition of Assets

Description of the Certificates and the Mortgage Pool

On May 31, 2005, a single series of certificates, entitled Citigroup Mortgage Loan Trust Inc. Mortgage Pass-Through Certificates, Series 2005-2 (the “Certificates”), were issued pursuant to a pooling and servicing agreement, dated as of May 1, 2005 (the “Agreement”), attached hereto as Exhibit 4.1, among Citigroup Mortgage Loan Trust Inc. as depositor (the “Depositor”), CitiMortgage, Inc. as master servicer and trust administrator (“CitiMortgage”), Citibank, N.A. as paying agent, certificate registrar and authenticating agent (“Citibank”) and U.S. Bank National Association as trustee (the “Trustee”). The Certificates consist of thirty classes of certificates (collectively, the “Certificates”), designated as the “Class I-A1 Certificates,” the “Class I-A2A Certificates,” the “Class I-A2B Certificates,” the “Class I-A3 Certificates,” the “Class I-A3A Certificates,” the “Class I-A3B Certificates,” the “Class I-A4 Certificates,” the “Class I-A5A Certificates,” the “Class I-A5B Certificates,” the “Class I-B1 Certificates,” the “Class I-B2 Certificates,” the “Class I-B3 Certificates,” the “Class I-B4 Certificates,” the “Class I-B5 Certificates,” the “Class I-B6 Certificates,” the “Class I-R Certificates,” the “Class II-A1-1 Certificates,” the “Class II-A1-2 Certificates,” the “Class II-A2 Certificates,” the “Class II-XS1 Certificates,” the “Class II-XS2 Certificates,” the “Class II-PO1 Certificates,” the “Class II-PO2 Certificates,” the “Class II-B1 Certificates,” the “Class II-B2 Certificates,” the “Class II-B3 Certificates,” the “Class II-B4 Certificates,” the “Class II-B5 Certificates,” the “Class II-B6 Certificates,” and the “Class II-R Certificates.” The Certificates evidence in the aggregate the entire beneficial ownership interest in a trust fund (the “Trust Fund”), consisting primarily of a segregated pool (the “Mortgage Pool”) of conventional, one- to four-family, adjustable-rate and fixed-rate, first lien mortgage loans having original terms to maturity up to 30 years (the “Mortgage Loans”). The Mortgage Pool consists of Mortgage Loans having an aggregate principal balance of approximately $1,404,420,400 as of May 1, 2005 (the “Cut-off Date”). The Mortgage Loans were purchased pursuant to the Mortgage Loan Purchase Agreement, dated May 27, 2005 (the “Mortgage Loan Purchase Agreement”), between the Depositor and Citigroup Global Markets Realty Corp. The Certificates were sold by the Depositor to Citigroup Global Markets Inc. (in such capacity, the “Representative”), pursuant to

an Underwriting Agreement, dated May 27, 2005, between the Depositor and the Representative and also pursuant to a Certificate Purchase Agreement, dated May 27, 2005, between the Depositor and the Representative.

The Certificates have the following Initial Certificate Principal Balances and Pass-Through Rates:

Class	Initial Certificate Principal Balance (1)		Pass-Through Rate
I-A1	$	90,426,000.00	Variable(2)
I-A2A	$	367,509,000.00	Variable(2)
I-A2B	$	42,933,000.00	Variable(2)
I-A3	$	30,000,000.00	Variable(2)
I-A3A	$	219,057,000.00	Variable(2)
I-A3B	$	8,571,000.00	Variable(2)
I-A4	$	299,417,000.00	Variable(2)
I-A5A	$	164,585,000.00	Variable(2)
I-A5B	$	7,940,000.00	Variable(2)
I-B1	$	23,811,000.00	Variable(2)
I-B2	$	10,940,000.00	Variable(2)
I-B3	$	8,366,000.00	Variable(2)
I-B4	$	5,148,000.00	Variable(2)
I-B5	$	2,574,000.00	Variable(2)
I-B6	$	5,792,568.51	Variable(2)
I-R	$	100	Variable(2)
II-A1-1	$	32,545,000.00	5.50%
II-A1-2	$	54,915,000.00	6.00%
II-A2	$	22,463,000.00	5.50%
II-PO1	$	173,204.00	(3)
II-PO2	$	1,092,701.00	(3)
II-XS1		(4)	(2)
II-XS2		(4)	(2)
II-B1	$	2,288,000.00	Variable(2)
II-B2	$	1,408,000.00	Variable(2)
II-B3	$	821,000.00	Variable(2)
II-B4	$	704,000.00	Variable(2)
II-B5	$	352,000.00	Variable(2)
II-B6	$	588,727.03	Variable(2)
II-R	$	100	5.50%

(1) Approximate.

(2) Calculated as described in the prospectus supplement.

(3) The Class II-PO1 Certificates and the Class II-PO2 Certificates are principal only certificates and will not have a pass-through rate or accrue interest.

(4) The Class II-XS1 Certificates and the Class II-XS2 Certificates are interest only certificates and will not have certificate principal balances. These certificates will accrue interest on the notional amount thereof. The notional amount of the Class II-XS1 and Class II-XS2 Certificates will be calculated as defined in the prospectus supplement.

The Certificates, other than the I-B4, I-B5, I-B6, II-B4, II-B5 and II-B6 Certificates, and the Mortgage Loans are more particularly described in the Prospectus, dated May 3, 2005, and the Prospectus Supplement, dated May 27, 2005, as previously filed with the Securities and Exchange Commission pursuant to Rule 424(b). The Class I-B4, I-B5, I-B6, II-B4, II-B5 and II-B6 Certificates have not been and will not be publicly offered by the Depositor. Capitalized terms used but not otherwise defined herein shall have the meanings assigned to them in the Prospectus Supplement.

Section 9- Financial Statements and Exhibits

Item 9.01		Financial Statements and Exhibits
		(a)	Not applicable
		(b)	Not applicable
		(c)	Exhibits
	Exhibit No.			Description
	4.1			Pooling and Servicing Agreement, dated as of May 1, 2005, by and among Citigroup Mortgage Loan Trust Inc. as Depositor, CitiMortgage, Inc. as Master Servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee, relating to the Series 2005-2 Certificates.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Dated:

June 13, 2005

CITIGROUP MORTGAGE LOAN TRUST INC.

By:

/s/ Peter D. Steinmetz

Name:

Peter D. Steinmetz

Title:

Vice President

Index to Exhibits

Exhibit No.	Description	Sequentially Numbered Page
4.1	Pooling and Servicing Agreement, dated as of May 1, 2005, by and among Citigroup Mortgage Loan Trust Inc. as Depositor, CitiMortgage, Inc. as Master Servicer and trust administrator, Citibank, N.A. as paying agent, certificate registrar and authenticating agent and U.S. Bank National Association as Trustee, relating to the Series 2005-2 Certificates.	7

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