Citigroup Mortgage Loan Trust Inc.  Asset-Backed Pass-Through Certificates, Series
2005-HE3
Distribution Date:    12/27/2005
Record Date:          11/30/2005

Distribution Summary

DISTRIBUTION IN
DOLLARS

                                      Prior                 Pass-                                                                                      Current
                      Original        Principal             Through       Interest     Principal     Total          Deferred               Realized    Principal
Class                 Balance         Balance               Rate          Distributed  Distributed   Distributed    Interest               Loss        Balance
(1)                   (2)             (3)                   (4)           (5)          (6)           (7)=(5+6)      (8)                    (9)         (10)=(3-6+8-9)

A1                    380,972,000.00  367,793,925.29        4.433750%     1,449,516.73 10,683,752.89 12,133,269.62  0.00                   0.00        357,110,172.40

A2A                   334,426,000.00  300,261,715.91        4.303750%     1,148,667.88 21,381,167.43 22,529,835.31  0.00                   0.00        278,880,548.48

A2B                   211,964,000.00  211,964,000.00        4.343750%     818,416.56   0.00          818,416.56     0.00                   0.00        211,964,000.00

A2C                   127,624,000.00  127,624,000.00        4.453750%     505,249.24   0.00          505,249.24     0.00                   0.00        127,624,000.00

A2D                   88,118,000.00   88,118,000.00         4.553750%     356,682.08   0.00          356,682.08     0.00                   0.00        88,118,000.00

M1                    55,671,000.00   55,671,000.00         4.653750%     230,292.37   0.00          230,292.37     0.00                   0.00        55,671,000.00

M2                    51,959,000.00   51,959,000.00         4.673750%     215,860.78   0.00          215,860.78     0.00                   0.00        51,959,000.00

M3                    34,887,000.00   34,887,000.00         4.683750%     145,246.21   0.00          145,246.21     0.00                   0.00        34,887,000.00

M4                    25,237,000.00   25,237,000.00         4.793750%     107,537.66   0.00          107,537.66     0.00                   0.00        25,237,000.00

M5                    24,495,000.00   24,495,000.00         4.813750%     104,811.38   0.00          104,811.38     0.00                   0.00        24,495,000.00

M6                    22,269,000.00   22,269,000.00         4.853750%     96,078.36    0.00          96,078.36      0.00                   0.00        22,269,000.00

M7                    22,268,000.00   22,268,000.00         5.343750%     105,773.00   0.00          105,773.00     0.00                   0.00        22,268,000.00

M8                    17,815,000.00   17,815,000.00         5.493750%     86,996.58    0.00          86,996.58      0.00                   0.00        17,815,000.00

M9                    14,103,000.00   14,103,000.00         5.943750%     74,510.85    0.00          74,510.85      0.00                   0.00        14,103,000.00

M10                   14,103,000.00   14,103,000.00         6.693750%     83,912.85    0.00          83,912.85      0.00                   0.00        14,103,000.00

M11                   12,619,000.00   12,619,000.00         6.693750%     75,083.05    0.00          75,083.05      0.00                   0.00        12,619,000.00

M12                   20,041,000.00   20,041,000.00         6.193750%     110,336.84   0.00          110,336.84     0.00                   0.00        20,041,000.00

M13                   5,197,000.00    5,197,000.00          6.193750%     28,612.37    0.00          28,612.37      0.00                   0.00        5,197,000.00

CE                    20,783,798.53   20,783,724.83         129.426095%   2,234,352.91 0.00          2,234,352.91   0.00                   0.00        20,783,724.83

P                     100.00          100.00                0.000000%     419,363.80   0.00          419,363.80     0.00                   0.00        100.00

X                     100.00          100.00                0.000000%     0.00         0.00          0.00           0.00                   0.00        100.00

RX                    0.00            0.00                  0.000000%     0.00         0.00          0.00           0.00                   0.00        0.00

R                     0.00            0.00                  0.000000%     0.00         0.00          0.00           0.00                   0.00        0.00

Totals                1,484,551,998.531,437,209,566.03                    8,397,301.50 32,064,920.32 40,462,221.82  0.00                   0.00        1,405,144,645.71

Distribution Summary (Factors)

PER $1,000 OF ORIGINAL BALANCE

                                      Prior                                                                                                Current
                                      Principal             Interest      Principal    Total         Deferred       Realized               Principal
                                                            Distributed
Class                 CUSIP           Balance               (5/2 x 1000)  Distributed  Distributed   Interest       Loss                   Balance
                                      (3/2 x 1000)                        (6/2 x 1000) (7/2 x 1000)  (8/2 x 1000)   (9/2 x 1000)           (10/2 x
                                                                                                                                           1000)

A1                    17307GXJ2       965.409335            3.804785      28.043407    31.848193     0.000000       0.000000               937.365928

A2A                   17307GWM6       897.842022            3.434745      63.933927    67.368671     0.000000       0.000000               833.908095

A2B                   17307GWN4       1,000.000000          3.861111      0.000000     3.861111      0.000000       0.000000               1,000.000000

A2C                   17307GWP9       1,000.000000          3.958889      0.000000     3.958889      0.000000       0.000000               1,000.000000

A2D                   17307GWQ7       1,000.000000          4.047778      0.000000     4.047778      0.000000       0.000000               1,000.000000

M1                    17307GWR5       1,000.000000          4.136667      0.000000     4.136667      0.000000       0.000000               1,000.000000

M2                    17307GWS3       1,000.000000          4.154444      0.000000     4.154444      0.000000       0.000000               1,000.000000

M3                    17307GWT1       1,000.000000          4.163333      0.000000     4.163333      0.000000       0.000000               1,000.000000

M4                    17307GWU8       1,000.000000          4.261111      0.000000     4.261111      0.000000       0.000000               1,000.000000

M5                    17307GWV6       1,000.000000          4.278889      0.000000     4.278889      0.000000       0.000000               1,000.000000

M6                    17307GWW4       1,000.000000          4.314444      0.000000     4.314444      0.000000       0.000000               1,000.000000

M7                    17307GWX2       1,000.000000          4.750000      0.000000     4.750000      0.000000       0.000000               1,000.000000

M8                    17307GWY0       1,000.000000          4.883333      0.000000     4.883333      0.000000       0.000000               1,000.000000

M9                    17307GWZ7       1,000.000000          5.283333      0.000000     5.283333      0.000000       0.000000               1,000.000000

M10                   17307GXA1       1,000.000000          5.950000      0.000000     5.950000      0.000000       0.000000               1,000.000000

M11                   17307GXK9       1,000.000000          5.950000      0.000000     5.950000      0.000000       0.000000               1,000.000000

M12                   17307GXL7       1,000.000000          5.505556      0.000000     5.505556      0.000000       0.000000               1,000.000000

M13                   17307GXM5       1,000.000000          5.505555      0.000000     5.505555      0.000000       0.000000               1,000.000000

CE                    17307H9R9       999.996454            107.504550    0.000000     107.504550    0.000000       0.000000               999.996454

P                     17307H9S7       1,000.000000          ##############0.000000     ##############0.000000       0.000000               1,000.000000

X                     17307H9V0       1,000.000000          0.000000      0.000000     0.000000      0.000000       0.000000               1,000.000000

RX                    17307H9U2       0.000000              0.000000      0.000000     0.000000      0.000000       0.000000               0.000000

R                     17307H9T5       0.000000              0.000000      0.000000     0.000000      0.000000       0.000000               0.000000

Interest Distribution
Detail

DISTRIBUTION IN
DOLLARS

                      Prior           Pass-                 Optimal       Prior        Non-Recov                                                       Current
                      Principal       Through               Accrued       Unpaid       Interest      Interest       Deferred               Interest    Unpaid
                                                                                                                                           Distributed
Class                 Balance         Rate                  Interest      Interest     Shortfall     Due            Interest               (9)         Interest
(1)                   (2)             (3)                   (4)           (5)          (6)           (7)=(4)+(5)-(6)(8)                                (10)=(7)-(8)-(9)

A1                    367,793,925.29  4.433750%             1,449,516.73  0.00         0.00          1,449,516.73   0.00                   1,449,516.730.00

A2A                   300,261,715.91  4.303750%             1,148,667.88  0.00         0.00          1,148,667.88   0.00                   1,148,667.880.00

A2B                   211,964,000.00  4.343750%             818,416.56    0.00         0.00          818,416.56     0.00                   818,416.56  0.00

A2C                   127,624,000.00  4.453750%             505,249.24    0.00         0.00          505,249.24     0.00                   505,249.24  0.00

A2D                   88,118,000.00   4.553750%             356,682.08    0.00         0.00          356,682.08     0.00                   356,682.08  0.00

M1                    55,671,000.00   4.653750%             230,292.37    0.00         0.00          230,292.37     0.00                   230,292.37  0.00

M2                    51,959,000.00   4.673750%             215,860.78    0.00         0.00          215,860.78     0.00                   215,860.78  0.00

M3                    34,887,000.00   4.683750%             145,246.21    0.00         0.00          145,246.21     0.00                   145,246.21  0.00

M4                    25,237,000.00   4.793750%             107,537.66    0.00         0.00          107,537.66     0.00                   107,537.66  0.00

M5                    24,495,000.00   4.813750%             104,811.38    0.00         0.00          104,811.38     0.00                   104,811.38  0.00

M6                    22,269,000.00   4.853750%             96,078.36     0.00         0.00          96,078.36      0.00                   96,078.36   0.00

M7                    22,268,000.00   5.343750%             105,773.00    0.00         0.00          105,773.00     0.00                   105,773.00  0.00

M8                    17,815,000.00   5.493750%             86,996.58     0.00         0.00          86,996.58      0.00                   86,996.58   0.00

M9                    14,103,000.00   5.943750%             74,510.85     0.00         0.00          74,510.85      0.00                   74,510.85   0.00

M10                   14,103,000.00   6.693750%             83,912.85     0.00         0.00          83,912.85      0.00                   83,912.85   0.00

M11                   12,619,000.00   6.693750%             75,083.05     0.00         0.00          75,083.05      0.00                   75,083.05   0.00

M12                   20,041,000.00   6.193750%             110,336.84    0.00         0.00          110,336.84     0.00                   110,336.84  0.00

M13                   5,197,000.00    6.193750%             28,612.37     0.00         0.00          28,612.37      0.00                   28,612.37   0.00

CE                    20,783,724.83   129.426095%           2,234,352.91  0.00         0.00          2,234,352.91   0.00                   2,234,352.910.00

P                     100.00          0.000000%             419,363.80    0.00         0.00          419,363.80     0.00                   419,363.80  0.00

X                     100.00          0.000000%             0.00          0.00         0.00          0.00           0.00                   0.00        0.00

RX                    0.00            0.000000%             0.00          0.00         0.00          0.00           0.00                   0.00        0.00

R                     0.00            0.000000%             0.00          0.00         0.00          0.00           0.00                   0.00        0.00

  Totals              1,437,209,566.03                      8,397,301.50  0.00         0.00          8,397,301.50   0.00                   8,397,301.500.00

Principal Distribution
Detail

DISTRIBUTION IN
DOLLARS

                                      Prior                                            Current       Current        Current                Cumulative
                      Original        Principal             Principal     Accreted     Realized      Principal      Principal              Realized
Class                 Balance         Balance               Distribution  Principal    Losses        Recoveries     Balance                Losses
(1)                   (2)             (3)                   (4)           (5)          (6)           (7)            (8)=(3)-(4)+(5)-(6)+(7)(9)

A1                    380,972,000.00  367,793,925.29        10,683,752.89 0.00         0.00          0.00           357,110,172.40         0.00

A2A                   334,426,000.00  300,261,715.91        21,381,167.43 0.00         0.00          0.00           278,880,548.48         0.00

A2B                   211,964,000.00  211,964,000.00        0.00          0.00         0.00          0.00           211,964,000.00         0.00

A2C                   127,624,000.00  127,624,000.00        0.00          0.00         0.00          0.00           127,624,000.00         0.00

A2D                   88,118,000.00   88,118,000.00         0.00          0.00         0.00          0.00           88,118,000.00          0.00

M1                    55,671,000.00   55,671,000.00         0.00          0.00         0.00          0.00           55,671,000.00          0.00

M2                    51,959,000.00   51,959,000.00         0.00          0.00         0.00          0.00           51,959,000.00          0.00

M3                    34,887,000.00   34,887,000.00         0.00          0.00         0.00          0.00           34,887,000.00          0.00

M4                    25,237,000.00   25,237,000.00         0.00          0.00         0.00          0.00           25,237,000.00          0.00

M5                    24,495,000.00   24,495,000.00         0.00          0.00         0.00          0.00           24,495,000.00          0.00

M6                    22,269,000.00   22,269,000.00         0.00          0.00         0.00          0.00           22,269,000.00          0.00

M7                    22,268,000.00   22,268,000.00         0.00          0.00         0.00          0.00           22,268,000.00          0.00

M8                    17,815,000.00   17,815,000.00         0.00          0.00         0.00          0.00           17,815,000.00          0.00

M9                    14,103,000.00   14,103,000.00         0.00          0.00         0.00          0.00           14,103,000.00          0.00

M10                   14,103,000.00   14,103,000.00         0.00          0.00         0.00          0.00           14,103,000.00          0.00

M11                   12,619,000.00   12,619,000.00         0.00          0.00         0.00          0.00           12,619,000.00          0.00

M12                   20,041,000.00   20,041,000.00         0.00          0.00         0.00          0.00           20,041,000.00          0.00

M13                   5,197,000.00    5,197,000.00          0.00          0.00         0.00          0.00           5,197,000.00           0.00

CE                    20,783,798.53   20,783,724.83         0.00          0.00         0.00          0.00           20,783,724.83          0.00

P                     100.00          100.00                0.00          0.00         0.00          0.00           100.00                 0.00

X                     100.00          100.00                0.00          0.00         0.00          0.00           100.00                 0.00

RX                    0.00            0.00                  0.00          0.00         0.00          0.00           0.00                   0.00

R                     0.00            0.00                  0.00          0.00         0.00          0.00           0.00                   0.00

  Totals              1,484,551,998.531,437,209,566.03      32,064,920.32 0.00         0.00          0.00                ##############    0.00

Collateral Summary -
Group 1

ASSET CHARACTERISTICS

                      Cut-Off         Prior                 Current

Aggregate Stated
Principal Balance     494,768,843.18  481,590,751.18        470,906,998.29

Loan Count            2,942           2,865                 2,807

Weighted Average
Coupon Rate (WAC)     7.214598%       7.196968%             N/A

Net Weighted Average
Coupon Rate (Net WAC) 6.699598%       6.681968%             N/A

Weighted Average
Maturity (WAM in      339             336                   335
months)

AVAILABLE PRINCIPAL

Scheduled Principal   243,653.86
Curtailments          12,473.02
Principal Prepayments 10,427,626.01
Liquidation Proceeds  0.00
Repurchased Principal 0.00
Trailing Recoveries   0.00

TOTAL AVAILABLE
PRINCIPAL             10,683,752.89

Current Realized
Losses                0.00
Current Bankruptcy
Losses                0.00
Cumulative Realized
Losses                0.00

Scheduled Interest    2,888,327.35
Less:
Servicing Fee         200,662.76
Credit Risk Manager
Fee                   6,019.94
Uncompensated PPIS    0.00
Relief Act Interest
Shortfall             0.00

TOTAL AVAILABLE
INTEREST              2,681,644.65

Collateral Summary -
Group 2

ASSET CHARACTERISTICS

                      Cut-Off         Prior                 Current

Aggregate Stated
Principal Balance     989,782,930.11  955,618,614.85        934,237,447.42

Loan Count            5,030           4,890                 4,801

Weighted Average
Coupon Rate (WAC)     7.178501%       7.165720%             N/A

Net Weighted Average
Coupon Rate (Net WAC) 6.663501%       6.650720%             N/A

Weighted Average
Maturity (WAM in      340             338                   337
months)

AVAILABLE PRINCIPAL

Scheduled Principal   491,069.73
Curtailments          30,323.76
Principal Prepayments 20,859,773.94
Liquidation Proceeds  0.00
Repurchased Principal 0.00
Trailing Recoveries   0.00

TOTAL AVAILABLE
PRINCIPAL             21,381,167.43

Current Realized
Losses                0.00
Current Bankruptcy
Losses                0.00
Cumulative Realized
Losses                0.00

Scheduled Interest    5,706,412.94
Less:
Servicing Fee         398,174.64
Credit Risk Manager
Fee                   11,945.25
Uncompensated PPIS    0.00
Relief Act Interest
Shortfall             0.00

TOTAL AVAILABLE
INTEREST              5,296,293.05

Delinquency
Information

 GROUP 1

Less Than
30 Days               30-59 Days      60-89 Days            90+ Days      Totals

Delinquency

Scheduled Principal
Balance               13,433,591.74   3,320,758.83          4,918,399.69  21,672,750.26
Percentage of Total
Pool Balance          2.8527%         0.7052%               1.0445%       4.6023%
Number of Loans       77              23                    32            132

Percentage of Total
Loans                 2.7431%         0.8194%               1.1400%       4.7025%
Bankruptcy

Scheduled Principal
Balance               347,326.43      0.00                  202,570.48    0.00         549,896.91
Percentage of Total
Pool Balance          0.0738%         0.0000%               0.0430%       0.0000%      0.1168%

Number of Loans       3               0                     1             0            4
Percentage of Total
Loans                 0.1069%         0.0000%               0.0356%       0.0000%      0.1425%

Foreclosure

Scheduled Principal
Balance                               0.00                  1,319,082.24  1,189,100.55 2,508,182.79
Percentage of Total Pool Balance      0.0000%               0.2801%       0.2525%      0.5326%

Number of Loans                       0                     7             6            13
Percentage of Total
Loans                                 0.0000%               0.2494%       0.2138%      0.4631%

REO

Scheduled Principal
Balance                               0.00                  0.00          0.00         0.00
Percentage of Total Pool Balance      0.0000%               0.0000%       0.0000%      0.0000%

Number of Loans                       0                     0             0            0
Percentage of Total
Loans                                 0.0000%               0.0000%       0.0000%      0.0000%

Total

Scheduled Principal
Balance               347,326.43      13,433,591.74         4,842,411.55  6,107,500.24 24,730,829.96
Percentage of Total
Pool Balance          0.0738%         2.8527%               1.0283%       1.2970%      5.2517%

Number of Loans       3               77                    31            38           149
Percentage of Total
Loans                 0.1069%         2.7431%               1.1044%       1.3538%      5.3082%

Principal and Interest
Advances              2,478,633.98

Delinquency
Information

 GROUP 2

Less Than
30 Days               30-59 Days      60-89 Days            90+ Days      Totals

Delinquency

Scheduled Principal
Balance               20,682,704.40   9,107,157.36          10,607,496.92 40,397,358.68
Percentage of Total
Pool Balance          2.2139%         0.9748%               1.1354%       4.3241%
Number of Loans       133             62                    62            257

Percentage of Total
Loans                 2.7703%         1.2914%               1.2914%       5.3531%
Bankruptcy

Scheduled Principal
Balance               754,801.81      0.00                  518,185.86    695,052.04   1,968,039.71
Percentage of Total
Pool Balance          0.0808%         0.0000%               0.0555%       0.0744%      0.2107%

Number of Loans       6               0                     4             2            12
Percentage of Total
Loans                 0.1250%         0.0000%               0.0833%       0.0417%      0.2499%

Foreclosure

Scheduled Principal
Balance                               0.00                  4,815,434.29  2,040,682.53 6,856,116.82
Percentage of Total Pool Balance      0.0000%               0.5154%       0.2184%      0.7339%

Number of Loans                       0                     15            14           29
Percentage of Total
Loans                                 0.0000%               0.3124%       0.2916%      0.6040%

REO

Scheduled Principal
Balance                               0.00                  0.00          0.00         0.00
Percentage of Total Pool Balance      0.0000%               0.0000%       0.0000%      0.0000%

Number of Loans                       0                     0             0            0
Percentage of Total
Loans                                 0.0000%               0.0000%       0.0000%      0.0000%

Total

Scheduled Principal
Balance               754,801.81      20,682,704.40         14,440,777.51 13,343,231.4949,221,515.21
Percentage of Total
Pool Balance          0.0808%         2.2139%               1.5457%       1.4282%      5.2686%

Number of Loans       6               133                   81            78           298
Percentage of Total
Loans                 0.1250%         2.7703%               1.6871%       1.6247%      6.2070%

Principal and Interest
Advances              5,029,387.32

Credit Enhancement

SUBORDINATION LEVELS

                      Original        Prior                 Current

Aggregate Certificate
Principal Balance     1,463,768,000.001,416,425,641.20      ##############

Senior Principal
Balance               1,209,167,000.001,161,824,641.20      ##############
Senior Percentage     82.606465%      82.025107%            81.608767%
Senior Credit Support 17.393535%      17.974893%            18.391233%

Class M1 Principal
Balance               55,671,000.00   55,671,000.00         55,671,000.00
Class M1 Percentage   3.803267%       3.930386%             4.021423%
Class M1 Credit
Support               13.590268%      14.044507%            14.369810%

Class M2 Principal
Balance               51,959,000.00   51,959,000.00         51,959,000.00
Class M2 Percentage   3.549675%       3.668318%             3.753285%
Class M2 Credit
Support               10.040594%      10.376189%            10.616525%

Class M3 Principal
Balance               34,887,000.00   34,887,000.00         34,887,000.00
Class M3 Percentage   2.383369%       2.463031%             2.520080%
Class M3 Credit
Support               7.657224%       7.913158%             8.096445%

Class M4 Principal
Balance               25,237,000.00   25,237,000.00         25,237,000.00
Class M4 Percentage   1.724112%       1.781738%             1.823008%
Class M4 Credit
Support               5.933112%       6.131420%             6.273437%

Class M5 Principal
Balance               24,495,000.00   24,495,000.00         24,495,000.00
Class M5 Percentage   1.673421%       1.729353%             1.769409%
Class M5 Credit
Support               4.259691%       4.402067%             4.504028%

Class M6 Principal
Balance               22,269,000.00   22,269,000.00         22,269,000.00
Class M6 Percentage   1.521348%       1.572197%             1.608613%
Class M6 Credit
Support               2.738344%       2.829870%             2.895416%

Class M7 Principal
Balance               22,268,000.00   22,268,000.00         22,268,000.00
Class M7 Percentage   1.521279%       1.572126%             1.608540%
Class M7 Credit
Support               1.217064%       1.257743%             1.286876%

Class M8 Principal
Balance               17,815,000.00   17,815,000.00         17,815,000.00
Class M8 Percentage   1.217064%       1.257743%             1.286876%
Class M8 Credit
Support               0.000000%       0.000000%             0.000000%
Credit Enhancement

GROUP 1

Overcollateralization Target Amount   20,783,724.83         1.4791%
Beginning Overcollateralization Amount20,783,724.83         1.4461%
Overcollateralization
Decrease due to       0.00
Realized Losses

Overcollateralization
Deficiency Amount     0.00

Excess Spread
Available for O/C     2,241,630.28
Deficiency
Overcollateralization
Increase Amount       0.00
Overcollateralization
Reduction Amount      0.00

Ending
Overcollateralization                 20,783,724.83         1.4791%

Credit Enhancement
Percentage            24.2998%

Other Information

Group I, II and Mezzanine Interest Rate Cap Contract
Information
          Group I Cap
Contract Beginning    370,337,108.70
Notional Amount
          Group I Cap
Contract Ending       363,759,172.20
Notional Amount
          Group I
Current Cap Amount    0.00
Paid
          Group I Next
Cap Amount to be Paid 0.00

          Group II Cap
Contract Beginning    740,086,935.80
Notional Amount
          Group II Cap
Contract Ending       726,559,022.70
Notional Amount
          Group II
Current Cap Amount    0.00
Paid
          Group II
Next Cap Amount to be 0.00
Paid

          Mezzanine
Cap Contract Beginning320,664,000.00
Notional Amount
          Mezzanine
Cap Contract Ending   320,664,000.00
Notional Amount
          Mezzanine
Current Cap Amount    0.00
Paid
          Mezzanine
Next Cap Amount to be 0.00
Paid

Expenses

Extraordinary Trust   0.00
Fund Expenses

Servicing Compensation
          Countrywide
Home Loans aggregate  512,607.73
servicing fees
          JP Morgan
Chase Bank aggregate  77,955.40
servicing fees
          HomEq
aggregate servicing   8,274.27
fees

Net WAC Rate Carryover Reserve Account Information
          Beginning
Reserve Account       0.00
Balance
          Deposits    0.00
          Withdrawals 0.00
          Ending
Reserve Account       0.00
Balance

Rate Reset Information
          Current
Libor                 4.193750%
          Next Libor  4.378750%

Next Pass-Through Rate Information
          A-1 Next
Pass-Through Rate     4.618750%
          A-2A Next
Pass-Through Rate     4.488750%
          A-2B Next
Pass-Through Rate     4.528750%
          A-2C Next
Pass-Through Rate     4.638750%
          A-2D Next
Pass-Through Rate     4.738750%
          M-1 Next
Pass-Through Rate     4.838750%
          M-2 Next
Pass-Through Rate     4.858750%
          M-3 Next
Pass-Through Rate     4.868750%
          M-4 Next
Pass-Through Rate     4.978750%
          M-5 Next
Pass-Through Rate     4.998750%
          M-6 Next
Pass-Through Rate     5.038750%
          M-7 Next
Pass-Through Rate     5.528750%
          M-8 Next
Pass-Through Rate     5.678750%
          M-9 Next
Pass-Through Rate     6.128750%
          M-10 Next
Pass-Through Rate     6.878750%
          M-11 Next
Pass-Through Rate     6.878750%
          M-12 Next
Pass-Through Rate     6.378750%
          M-13 Next
Pass-Through Rate     6.378750%

CONTACT INFORMATION   CONTENTS

Depositor                             Citigroup Mortgage
                                      Loan Trust Inc.
390 Greenwich Street

New York, NY  10013

Servicers                             Countrywide Home Loans
                                      Servicing LP
400 Countrywide Way
SV-44

Simi Valley, CA  93065

Servicers                             JPMorgan Chase Bank
4 New York Plaza

New York, NY  10004

Servicers                             HomEq Servicing
                                      Corporation
707 Third Street

West Sacramento, CA
95605

Credit Risk Manager                   Murrayhill Company
1700 Lincoln Street, Suite 1600

Denver, CO  80203

Securities
Administrator                         Citibank, N.A.
388 Greenwich Street, 14th Floor

New York, NY  10013

Deal Contact:                         Jennifer McCourt      Citibank, N.A.
jennifer.mccourt@citigroup.com                              Agency and
                                                            Trust
                                                            388 Greenwich
Tel: (212) 816-5680                                         Street, 14th
                                                            Floor
Fax: (212) 816-5527                                         New York, NY
                                                            10013

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                                      www.sf.citidirect.com                            2005 Citigroup