Exhibit 5.1


October 23, 2001


Citicorp Mortgage Securities, Inc.
12855 North Outer Forty Drive
St. Louis, MO 63141

Ladies and gentlemen:

This opinion is being provided by the undersigned, as an Associate General
Counsel--Corporate Law of Citigroup Inc. I have acted as your counsel in
connection with the Registration Statement on Form S-3 (the "Registration
Statement") being filed today with the Securities and Exchange Commission
pursuant to the Securities Act of 1933, as amended (the "Act"). The Registration
Statement covers a total of $1 billion aggregate principal amount of
certificates (the "Certificates") of one or more series to be issued by Citicorp
Mortgage Securities, Inc. ("CMSI") evidencing fractional undivided interests in
a trust or trusts to be created by CMSI.

Each series of Certificates will be issued pursuant to a separate Pooling and
Servicing Agreement (the "Pooling and Servicing Agreement" for such series)
between CMSI and a commercial bank, savings and loan association or trust
company (the "Trustee" for such series).

I, or attorneys under my supervision, have examined originals or copies,
certified or otherwise identified to my satisfaction, of such corporate records
of CMSI, such other documents and certificates of public officials, officers and
representatives of CMSI and other persons and such other documents, agreements
and instruments, and I have made such investigations of law, as I have deemed
appropriate as a basis for the opinions expressed below. In arriving at the
opinions expressed below, I have assumed that the signatures on all documents
that I have examined are genuine. In addition, I have assumed that each of the
Certificates and each Pooling and Servicing Agreement will be in substantially
the form set forth in




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the applicable form of Pooling and Servicing Agreement filed or to be filed as
an exhibit to the Registration Statement; and that each Trustee will have the
power, authority and legal right to enter into the related Pooling and Servicing
Agreement.

Based on the foregoing, I am of the opinion that:

1.    CMSI is a corporation duly incorporated and validly existing under the
      laws of the State of Delaware;

2.    When the issuance, execution and delivery of any particular series of
      Certificates have been duly authorized by CMSI, and when the Certificates
      of such series have been duly executed and delivered by CMSI, duly
      authenticated by the applicable Trustee and issued and sold as
      contemplated by the Registration Statement and the prospectus delivered
      pursuant to Section 5 of the Act in connection therewith, such
      Certificates will be legally and validly issued, fully paid and
      nonassessable and entitled to the benefits provided by the applicable
      Pooling and Servicing Agreement;

3.    When a Pooling and Servicing Agreement has been duly and validly
      authorized, executed and delivered by CMSI and a Trustee, such Pooling and
      Servicing Agreement will constitute a valid and binding obligation of CMSI
      subject, as to enforcement, to applicable bankruptcy, reorganization,
      insolvency, moratorium and other laws affecting the rights of creditors
      generally and to general principles of equity and the discretion of the
      court (regardless of whether enforceability is considered in a proceeding
      in equity or at law).

The opinions expressed herein are limited to the laws of the State of New York,
the General Corporation Law of the State of Delaware and the federal laws of the
United States of America.

I hereby consent to the use and filing of this opinion as an exhibit to the
Registration Statement and to the reference to this opinion



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under the heading "Legal opinions" in any prospectus filed in connection with
the Registration Statement. In giving such consent, I do not thereby admit that
I come within the category of persons whose consent is required under Section 7
of the Act or the rules and regulations of the Securities and Exchange
Commission thereunder.

Very truly yours,

/s/ John R. Dye

John R. Dye