8-K 1 final_2005-wf1.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: March 25, 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-WF1) ------------------------------------------------------------------------ (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-WF1 ---------------------------------------------- Attached as Exhibit I is the monthly servicing report for the month of February 2005. Note: This Form 8-K was originally filed March 31, 2005 under CIK Code 0001313075 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: March 16, 2006 3 4 EXHIBIT INDEX Exhibit No. Page No. ----------- -------- I monthly servicing report for February 2005 5 4 5 EXHIBIT I --------- Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2005-WF1 Payment Date: 03/25/2005 Issuer: Citigroup Mortgage Loan Trust Inc. Record Date: 28-Feb-05 Distribution Date: 25-Mar-05 Distribution #: 1 Trustee U.S. Bank National Association Clare M. O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Valentina Polonskaya (636) 261-1342 Paying Agent: Citibank N.A. Jennifer McCourt (212) 816-5680

~~SECURITIES~~----------------------------------------------------------------------------------------------- ~~AND~~Next ~~EXCHANGE~~Current ~~COMMISSION~~Succeeding Class Coupon Type Coupon Coupon Original Par CUSIP # ----------------------------------------------------------------------------------------------- A1 LIBOR 2.86563% 2.97000% $160,000,000.00 17307GPB8 A2 Fixed 4.49000% 4.49000% $91,000,000.00 17307GPC6 A3 Fixed 5.00000% 5.00000% $38,900,000.00 17307GPD4 A4 Fixed 5.53000% 5.53000% $59,349,900.00 17307GPE2 A5 Fixed 5.01000% 5.01000% $41,500,000.00 17307GPF9 P Prepay Chgs 0.00000% 0.00000% $100.00 1729779B8 CE O/C 0.00000% 0.00000% $0.53 1729779a0 ------------------- Class A-Fixed Total $390,750,000.53 RES Residual 0.00000% 0.00000% $0.00 1729779C6 ------------------- Class RES Total $.00 M1 Fixed 5.33000% 5.33000% $9,135,600.00 17307GPG7 M2 Fixed 5.53000% 5.53000% $8,097,400.00 17307GPH5 M3 Fixed 5.85000% 5.85000% $5,190,700.00 17307GPJ1 M4 Fixed 5.85000% 5.85000% $2,076,172.00 17307GPK8 ------------------- Class SUB Total $24,499,872.00 =================== $415,249,872.53

6 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificate Holders Remic Pass-Through Certificate Series Name: CMLTI 2005-WF1 Payment Date: 03/25/2005

~~Washington~~----------------------------------------------------------------------------------------------------------------------------------- Non Supported Net WAC Relief Act. Interest Interest Interest Interest Interest Interest Principal CLASS Accrued Shortfall Carryover Shortfall Shortfall Recoveries Recoveries Interest Paid ----------------------------------------------------------------------------------------------------------------------------------- A1 $229,250.40 D$0.C00 $0.00 ~~20549~~0.00 $0.00 $0.00 $0.00 $229,250.40 A2 $340,491.67 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $340,491.67 A3 $162,083.33 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $162,083.33 A4 $273,504.12 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $273,504.12 A5 $173,262.50 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $173,262.50 P $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $17,394.80 CE $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 ---------------------------------------------------------------------------------------------------------------------- A-Fixed $1,178,592.02 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,195,986.82 Total RES $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 ---------------------------------------------------------------------------------------------------------------------- RES Total $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 M1 $40,577.29 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $40,577.29 M2 $37,315.52 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $37,315.52 M3 $25,304.66 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $25,304.66 M4 $10,121.34 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $10,121.34 ---------------------------------------------------------------------------------------------------------------------- SUB Total $113,318.81 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $113,318.81 ====================================================================================================================== Total $1,291,910.83 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,309,305.63

~~Form~~------------------------------------------------------------------------------------------------------------------ 8Interest Cum Net WAC Cum Unpaid Paid Per Interest Interest CLASS Certificate Carryover Amount Shortfalls -K----------------------------------------------------------------------------------------------------------------- A1 1.43281500 $0.00 $0.00 A2 3.74166670 $0.00 $0.00 A3 4.16666658 $0.00 $0.00 A4 4.60833329 $0.00 $0.00 A5 4.17500000 $0.00 $0.00 P 173,948.00000000 $0.00 $0.00 CE 0.00000000 $0.00 $0.00 ------------------------------------------------------------------------------- A-Fixed Total $0.00 $0.00 RES N/A $0.00 $0.00 ------------------------------------------------------------------------------- RES Total $0.00 $0.00 M1 4.44166667 $0.00 $0.00 M2 4.60833354 $0.00 $0.00 M3 4.87499952 $0.00 $0.00 M4 4.87500072 $0.00 $0.00 ------------------------------------------------------------------------------- SUB Total $0.00 $0.00 ================================================================================= Total $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-WF1 Payment Date: 03/25/2005

~~CURRENT~~--------------------------------------------------------------------------------------------------------------- ~~REPORT~~Certificate Reductions not part of Principal distributions Paid Cumulative Principal to reduce Principal Per Principal CLASS Due Stated Amount Paid Certificate Loss --------------------------------------------------------------------------------------------------------------- A1 $3,886,049.66 $0.00 $3,886,049.66 24.28781037 0.00 A2 $.00 $0.00 $.00 0.00000000 0.00 A3 $.00 $0.00 $.00 0.00000000 0.00 A4 $.00 $0.00 $.00 0.00000000 0.00 A5 $.00 $0.00 $.00 0.00000000 0.00 P $.00 $0.00 $.00 0.00000000 0.00 CE $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A-Fixed Total $3,886,049.66 $0.00 $3,886,049.66 0.00 RES $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- RES Total $.00 $0.00 $.00 0.00 M1 $.00 $0.00 $.00 0.00000000 0.00 M2 $.00 $0.00 $.00 0.00000000 0.00 M3 $.00 $0.00 $.00 0.00000000 0.00 M4 $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- SUB Total $.00 $0.00 $.00 0.00 ===================================================================================================== Total $3,886,049.66 $0.00 $3,886,049.66 0.00 Aggr. Scheduled Principal Payments $505,402.30 Aggr. Principal Prepayments $2,427,780.09

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Series Name: CMLTI 2005-WF1 Remic Pass-Through Certificate Payment Date: 03/25/2005

~~Pursuant~~----------------------------------------------------------------------------------------------------------------------------------- toCLASS ~~Section~~Previous 13Period's orEnding ~~15(d)~~Period's ofBeginning ~~the~~Balance Ending Balance Ending Balance Beginning Ending Prepayment Balance Balance Per Certificate Per Certificate Pool Factor Class PCT Class PCT Percentage ----------------------------------------------------------------------------------------------------------------------------------- A1 $160,000,000.00 $156,113,950.34 1,000.00000000 975.71218963 0.97571219 38.531017246% 37.862631824% 0.000000000% A2 $91,000,000.00 $91,000,000.00 1,000.000000001,000.00000000 1.00000000 21.914516058% 22.070413877% 0.000000000% A3 $38,900,000.00 $38,900,000.00 1,000.000000001,000.00000000 1.00000000 9.367853568% 9.434495602% 0.000000000% A4 $59,349,900.00 $59,349,900.00 1,000.000000001,000.00000000 1.00000000 14.292575127% 14.394251171% 0.000000000% A5 $41,500,000.00 $41,500,000.00 1,000.000000001,000.00000000 1.00000000 9.993982598% 10.065078856% 0.000000000% P $100.00 $100.00 1,000.000000001,000.00000000 1.00000000 0.000024081% 0.000024253% 0.000000000% CE $.53 $952.867.80 1,000.00000000 0.00000000 0.00000000 0.000000127% 0.231100952% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A-Fixed To $390,750,000.53 $387,816,818.14 94.099968809% 94.057996538% 0.000000000% RES $.00 $.00 0.00000000 0.00000000 0.00000000 0.000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- RES Total $.00 $.00 0.000000000% 0.000000000% 0.000000000% M1 $9,135,600.00 $9,135,600.00 1,000.000000001,000.00000000 1.00000000 2.200024757% 2.215675527% 0.000000000% M2 $8,097,400.00 $8,097,400.00 1,000.000000001,000.00000000 1.00000000 1.950006619% 1.963878783% 0.000000000% M3 $5,190,700.00 $5,190,700.00 1,000.000000001,000.00000000 1.00000000 1.250018445% 1.258910959% 0.000000000% M4 $2,076,172.00 $2,076,172.00 1,000.000000001,000.00000000 1.00000000 0.499981369% 0.503538190% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB Total $24,499,872.00 $24,499,872.00 5.900031191% 5.942003461% 0.000000000% ====================================================================================================================== Total $415,249,872.53 $412,316,690.14 100.000000000% 100.000000000% PO Balance $.00 $.00 Non PO Bal $415,249,872.53 $412,316,690.14

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2005-WF1 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 03/25/2005 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$2,391,148.49 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- $5,200,545.91 $0.00 $5,190.62 $5,195,355.29 Total Administration Fee: $864.81 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: Over Collateralization Summary ------------------------------ Target Over Collateralization Amount $1,453,374.55 Prior to Application of Excess Interest ---------------------------------------- Over Collateralization Amount $0.53 Deficiency Amount $1,453,374.02 Release Amount $0.00 Monthly Excess Interest $952,867.27 After Application of Excess Interest ------------------------------------- Over Collateralization Amount $952,867.80 Deficiency Amount $500,506.75 Net Wac Rate Carryover Reserve Account --------------------------------------- Begin Remaining Balance Deposits Withdrawels Balance ------------------------------------------------ $0.00 $0.00 $0.00 $0.00 Withdrawals from Certificate Account Type Retained by CMI Amount Balance -------------------------------------------------------------------- Advisor Fee No $5,190.62 $0.00 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-WF1 Payment Date: 03/25/2005 DELINQUENCY (1)

~~Securities~~--------------------------------------------------------------------------------------------------------- ~~Exchange~~Number ~~Act~~of Amount of ~~1934~~Scheduled Amount of Actual loans Balance Balance Pool Item # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 DAYS 32 1.18% $5,385,511.00 1.31% $5,402,024.25 1.31% (2) 60-89 Days 4 0.15% $511,719.02 0.12% $513,737.79 0.12% (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

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

Date of Report (Date of earliest event reported): March 7, 2005

CITIGROUP MORTGAGE LOAN TRUST INC.

(as depositor under the Pooling and Servicing Agreement,

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

Citigroup Mortgage Loan Trust Inc., Series 2005-WF1

Asset-Backed Pass-Through Certificates)

CITIGROUP MORTGAGE LOAN TRUST INC.

(Exact name of registrant as specified in its charter)

Delaware	333-117349-11	01-0791848
(State or Other Jurisdiction of Incorporation	(Commission File Number)	(I.R.S. Employer Identification Number)
390 Greenwich Street, 4th Floor New York, New York (Address of Principal Executive Offices)		10013 (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 9 - Financial Statements and Exhibits

Item 9.01. Financial Statements and Exhibits

(a) Financial Statements. Not applicable. (b) Pro Forma Financial Information. Not applicable. (c) Exhibits.

Exhibit No.	Item 601(a) of Regulation S-K Exhibit No.	Description
1	5.1, 8.1, 23.1	Opinion and Consent of Thacher Proffitt & Wood LLP.

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: August 22, 2005

CITIBANK MORTGAGE LOAN TRUST INC. By: /s/ Matthew Bollo Name: Matthew Bollo Title: Assistant Vice President

EXHIBIT INDEX

Exhibit Number	Item 601(a) of Regulation S-K Exhibit No.	Description
1	5.1, 8.1, 23.1	Opinion and Consent of Counsel

EXHIBIT 5.1, 8.1, 23.1

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