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): July 25, 2005 (Date of earliest event reported) Citigroup Mortgage Loan Trust Inc (as Depositor under the Pooling and Servicing Agreement, dated as June 1, 2005, providing for the issuance of Carrington Mortgage Loan Trust Series 2005-NC3 Asset Backed Pass-Through Certificates, Series 2005-NC3) (Exact name of registrant as specified in charter) DELAWARE (State or Other Jurisdiction of Incorporation) 333-124036-02 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 Attached hereto is a copy of the Monthly Remittance Statements to the Certificateholders which was derived from the monthly information submitted by the Master Servicer of the Trust to the Trustee. Item 9.01 Financial Statements and Exhibits (c) Exhibits: Exhibit No. Description 99.1 Monthly Remittance Statement to the Certificateholders dated as of July 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 its behalf by the undersigned, hereunto 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: Jul 27, 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 July 25, 2005.

Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
				External Parties						Table of Contents
													Page
				Seller
										1. Certificate Payment Report					2
				New Century Credit Corp.
										2. Collection Account Report					4
										3. Credit Enhancement Report					6
										4. Collateral Report					7
				Certificate Insurer(s)						5. Delinquency Report					10
										6. REO Report					11
										7. Foreclosure Report					12
										8. Prepayment Report					13
										9. Prepayment Detail Report					16
										10. Realized Loss Report					18
										11. Realized Loss Detail Report					21
				Servicer(s)
										12. Triggers and Adj. Cert. Report					22
				New Century Mortgage Corporation
										13. Additional Certificate Report					23
				Underwriter(s)
				Citigroup
										Total Number of Pages					23
				Dates						Contacts
				Cut-Off Date:			June 01, 2005			Brent Hoyler
				Close Date:			June 29, 2005			Administrator
				First Distribution Date:			July 25, 2005			(714) 247-6322
										Brent.Hoyler@db.com
										Address:
										1761 East St. Andrew Place, Santa Ana, CA 92705
				Distribution Date:			July 25, 2005
										Factor Information:			(800) 735-7777
				Record Date:			June 30, 2005
										Main Phone Number:			(714) 247-6000
							July 22, 2005
										https://www.tss.db.com/invr
Page 1 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Certificate Payment Report
Current Period Distribution -
					Prior												Current
	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	$	523,850,000.00		523,850,000.00		2,263,032.00		8,881,894.92		11,144,926.92		0.00		0.00		514,968,105.08
A-1B	SR	$	270,570,000.00		270,570,000.00		1,197,723.20		0.00		1,197,723.20		0.00		0.00		270,570,000.00
A-1C	SR	$	324,680,000.00		324,680,000.00		1,476,211.73		0.00		1,476,211.73		0.00		0.00		324,680,000.00
A-1D	SR	$	131,494,000.00		131,494,000.00		611,885.41		0.00		611,885.41		0.00		0.00		131,494,000.00
A-2	SR	$	138,955,000.00		138,955,000.00		641,045.73		986,878.00		1,627,923.73		0.00		0.00		137,968,122.00
M-1	MEZ	$	52,688,000.00		52,688,000.00		252,902.40		0.00		252,902.40		0.00		0.00		52,687,999.99
M-2	MEZ	$	81,266,000.00		81,266,000.00		392,243.89		0.00		392,243.89		0.00		0.00		81,266,000.00
M-3	MEZ	$	26,791,000.00		26,791,000.00		130,025.65		0.00		130,025.65		0.00		0.00		26,791,000.00
M-4	MEZ	$	53,581,000.00		53,581,000.00		272,905.89		0.00		272,905.89		0.00		0.00		53,581,000.00
M-5	MEZ	$	29,470,000.00		29,470,000.00		151,672.27		0.00		151,672.27		0.00		0.00		29,470,000.00
M-6	MEZ	$	33,042,000.00		33,042,000.00		196,489.76		0.00		196,489.76		0.00		0.00		33,042,000.00
M-7	MEZ	$	25,898,000.00		25,898,000.00		157,459.84		0.00		157,459.84		0.00		0.00		25,898,000.00
M-8	MEZ	$	19,646,000.00		19,646,000.00		129,925.55		0.00		129,925.55		0.00		0.00		19,646,000.00
M-9	MEZ	$	21,433,000.00		21,433,000.00		163,176.57		0.00		163,176.57		0.00		0.00		21,433,000.00
CE	NOF	$	52,689,061.00		52,689,061.86		1,929,625.94		493.59		1,930,119.53		0.00		0.00		52,688,568.28
R	RES	$	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00
P	NOF	$	0.00		100.00		107,944.19		0.00		107,944.19		0.00		0.00		100.00
Total			1,786,053,061.00		1,786,053,161.86		10,074,270.02		9,869,266.51		19,943,536.53		0.00		0.00		1,776,183,895.35
Interest Accrual Detail Current Period Factor Information per $1,000 of Original Face-
									Orig. Principal		Prior							Current
	Period		Period						(with Notional)		Principal						Total	Principal
Class	Starting		Ending		Method		Cusip		Balance		Balance		Interest		Principal		Distribution	Balance
									(1)		(1)		(2)		(3)		(4)=(2)+(3)	(5)
A-1A	06/07/05		07/24/05		A-Act/360		144531CT5		523,850,000.00		1,000.000000		4.320000		16.955035		21.275035	983.044965
A-1B	06/07/05		07/24/05		A-Act/360		144531CU2		270,570,000.00		1,000.000000		4.426667		0.000000		4.426667	1,000.000000
A-1C	06/07/05		07/24/05		A-Act/360		144531CV0		324,680,000.00		1,000.000000		4.546667		0.000000		4.546667	1,000.000000
A-1D	06/07/05		07/24/05		A-Act/360		144531CW8		131,494,000.00		1,000.000000		4.653333		0.000000		4.653333	1,000.000000
A-2	06/07/05		07/24/05		A-Act/360		144531CX6		138,955,000.00		1,000.000000		4.613333		7.102141		11.715474	992.897859
M-1	06/07/05		07/24/05		A-Act/360		144531CY4		52,688,000.00		1,000.000000		4.800000		0.000000		4.800000	1,000.000000
M-2	06/07/05		07/24/05		A-Act/360		144531CZ1		81,266,000.00		1,000.000000		4.826667		0.000000		4.826667	1,000.000000
M-3	06/07/05		07/24/05		A-Act/360		144531DA5		26,791,000.00		1,000.000000		4.853333		0.000000		4.853333	1,000.000000
M-4	06/07/05		07/24/05		A-Act/360		144531DB3		53,581,000.00		1,000.000000		5.093333		0.000000		5.093333	1,000.000000
M-5	06/07/05		07/24/05		A-Act/360		144531DC1		29,470,000.00		1,000.000000		5.146667		0.000000		5.146667	1,000.000000
M-6	06/07/05		07/24/05		A-Act/360		144531DD9		33,042,000.00		1,000.000000		5.946667		0.000000		5.946667	1,000.000000
M-7	06/07/05		07/24/05		A-Act/360		144531DE7		25,898,000.00		1,000.000000		6.080000		0.000000		6.080000	1,000.000000
M-8	06/07/05		07/24/05		A-Act/360		144531DF4		19,646,000.00		1,000.000000		6.613334		0.000000		6.613334	1,000.000000
M-9	06/07/05		07/24/05		A-Act/360		144531DG2		21,433,000.00		1,000.000000		7.613333		0.000000		7.613333	1,000.000000
CE	06/07/05		06/30/05		A-30/360				52,689,061.00		1,000.000016		36.622895		0.009368		36.632263	999.990649
R	06/07/05		06/30/05		A-30/360				0.00		0.000000		0.000000		0.000000		0.000000	0.000000
P	06/07/05		06/30/05		A-30/360				0.00		0.000000		0.000000		0.000000		0.000000	0.000000
Page 2 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 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	523,850,000.00		2,263,032.00		7,822,445.71		1,059,449.21		8,881,894.92		11,144,926.92		0.00		0.00		514,968,105.08
A-1B	270,570,000.00		1,197,723.20		0.00		0.00		0.00		1,197,723.20		0.00		0.00		270,570,000.00
A-1C	324,680,000.00		1,476,211.73		0.00		0.00		0.00		1,476,211.73		0.00		0.00		324,680,000.00
A-1D	131,494,000.00		611,885.41		0.00		0.00		0.00		611,885.41		0.00		0.00		131,494,000.00
A-2	138,955,000.00		641,045.73		869,161.33		117,716.67		986,878.00		1,627,923.73		0.00		0.00		137,968,122.00
M-1	52,688,000.00		252,902.40		0.01		0.00		0.00		252,902.40		0.00		0.00		52,687,999.99
M-2	81,266,000.00		392,243.89		0.00		0.00		0.00		392,243.89		0.00		0.00		81,266,000.00
M-3	26,791,000.00		130,025.65		0.00		0.00		0.00		130,025.65		0.00		0.00		26,791,000.00
M-4	53,581,000.00		272,905.89		0.00		0.00		0.00		272,905.89		0.00		0.00		53,581,000.00
M-5	29,470,000.00		151,672.27		0.00		0.00		0.00		151,672.27		0.00		0.00		29,470,000.00
M-6	33,042,000.00		196,489.76		0.00		0.00		0.00		196,489.76		0.00		0.00		33,042,000.00
M-7	25,898,000.00		157,459.84		0.00		0.00		0.00		157,459.84		0.00		0.00		25,898,000.00
M-8	19,646,000.00		129,925.55		0.00		0.00		0.00		129,925.55		0.00		0.00		19,646,000.00
M-9	21,433,000.00		163,176.57		0.00		0.00		0.00		163,176.57		0.00		0.00		21,433,000.00
CE	52,689,061.00		1,929,625.94		434.70		58.88		493.59		1,930,119.53		0.00		0.00		52,688,568.28
R	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00
P	0.00		107,944.19		0.00		0.00		0.00		107,944.19		0.00		0.00		100.00
Total	1,786,053,061.00		10,074,270.02		8,692,041.75		1,177,224.76		9,869,266.51		19,943,536.53		0.00		0.00		1,776,183,895.35
Interest Detail -
	Pass		Prior Principal				Non-		Prior		Unscheduled				Paid or		Current
	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	3.24000%		523,850,000.00		2,263,032.00		0.00		0.00		0.00		2,263,032.00		2,263,032.00		0.00
A-1B	3.32000%		270,570,000.00		1,197,723.20		0.00		0.00		0.00		1,197,723.20		1,197,723.20		0.00
A-1C	3.41000%		324,680,000.00		1,476,211.73		0.00		0.00		0.00		1,476,211.73		1,476,211.73		0.00
A-1D	3.49000%		131,494,000.00		611,885.41		0.00		0.00		0.00		611,885.41		611,885.41		0.00
A-2	3.46000%		138,955,000.00		641,045.73		0.00		0.00		0.00		641,045.73		641,045.73		0.00
M-1	3.60000%		52,688,000.00		252,902.40		0.00		0.00		0.00		252,902.40		252,902.40		0.00
M-2	3.62000%		81,266,000.00		392,243.89		0.00		0.00		0.00		392,243.89		392,243.89		0.00
M-3	3.64000%		26,791,000.00		130,025.65		0.00		0.00		0.00		130,025.65		130,025.65		0.00
M-4	3.82000%		53,581,000.00		272,905.89		0.00		0.00		0.00		272,905.89		272,905.89		0.00
M-5	3.86000%		29,470,000.00		151,672.27		0.00		0.00		0.00		151,672.27		151,672.27		0.00
M-6	4.18506%		33,042,000.00		184,377.22		0.00		0.00		0.00		184,377.22		196,489.76		0.00
M-7	4.18506%		25,898,000.00		144,513.08		0.00		0.00		0.00		144,513.08		157,459.84		0.00
M-8	4.18506%		19,646,000.00		109,626.38		0.00		0.00		0.00		109,626.38		129,925.55		0.00
M-9	4.18506%		21,433,000.00		119,598.00		0.00		0.00		0.00		119,598.00		163,176.57		0.00
CE	0.00000%		52,689,061.86		0.00		0.00		0.00		0.00		0.00		1,929,625.94		0.00
R	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00
P	0.00000%		100.00		0.00		0.00		0.00		0.00		0.00		107,944.19		0.00
Total			1,786,053,161.86		7,947,762.85		0.00		0.00		0.00		7,947,762.85		10,074,270.02		0.00
Page 3 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Collection Account Report
SUMMARY
														Total
Principal Collections														9,868,289.96
Principal Withdrawals														0.00
Principal Other Accounts														976.57
TOTAL NET PRINCIPAL														9,869,266.53
Interest Collections														10,149,831.85
Interest Withdrawals														-0.00
Interest Fees														-183,506.05
Interest Other Accounts														107,944.19
TOTAL NET INTEREST														10,074,269.99
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION														19,943,536.53
PRINCIPAL - COLLECTIONS
															Total
Scheduled Principal Received															1,177,224.76
Curtailments															118,243.86
Prepayments In Full															8,572,821.35
Repurchased/Substitutions															0.00
Liquidations															0.00
Insurance Principal															0.00
Other Additional Principal															0.00
Delinquent Principal															-896,670.98
Realized Losses															-0.00
Advanced Principal															896,670.98
TOTAL PRINCIPAL COLLECTED															9,868,289.96
PRINCIPAL - WITHDRAWALS
SPACE INTENTIONALLY LEFT BLANK
PRINCIPAL - OTHER ACCOUNTS
														Total
Prefund Release														976.57
TOTAL PRINCIPAL OTHER ACCOUNTS														976.57
Page 4 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
INTEREST - COLLECTIONS
														Total
Scheduled Interest														10,713,044.46
Repurchased/Substitution Interest														0.00
Liquidation Interest														0.00
Insurance Interest														0.00
Other Additional Interest														0.00
Prepayment Interest Shortfalls														-21,266.41
Delinquent Interest														-8,134,700.53
Compensating Interest														21,266.41
Civil Relief Act Shortfalls														-0.00
Interest Advanced														7,571,487.92
TOTAL INTEREST COLLECTED														10,149,831.85
INTEREST - WITHDRAWALS
														Total
TOTAL INTEREST WITHDRAWALS														0.00
INTEREST - OTHER ACCOUNTS
														Total
Prepayment Charges														107,944.19
TOTAL INTEREST OTHER ACCOUNTS														107,944.19
INTEREST - FEES
														Total
Current Servicing Fees														180,975.82
Trustee Fees														2,530.24
TOTAL INTEREST FEES														183,506.05
Page 5 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Credit Enhancement Report
ACCOUNTS
SPACE INTENTIONALLY LEFT BLANK
INSURANCE
SPACE INTENTIONALLY LEFT BLANK
STRUCTURAL FEATURES
														Total
Overcollateralized Amount - Prior Period														52,689,061.86
Current Period Losses														0.00
Overcollateralized Amount - After Current Losses														52,689,061.86
Overcollateralization Increase Amount														0.00
Overcollateralization Reduction Amount														493.58
Overcollateralization Amount - Ending														52,688,568.28
Required Overcollateralized Amount														52,688,568.28
Senior Enhancement Percentage														22.320000%
Page 6 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Collateral Report
COLLATERAL
															Total
Loan Count:
Original														9,803
Prior														9,803
Prefunding														0
Scheduled Paid Offs														-0
Full Voluntary Prepayments														-39
Repurchases														-0
Liquidations														-0
Current														9,764
Principal Balance:
Original														1,786,052,185.29
Prior														1,786,052,185.29
Prefunding														0.00
Scheduled Principal														-1,177,224.76
Partial Prepayments														-118,243.86
Full Voluntary Prepayments														-8,572,821.35
Repurchases														-0.00
Liquidations														-0.00
Current														1,776,183,895.35
PREFUNDING
SPACE INTENTIONALLY LEFT BLANK
Page 7 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
CHARACTERISTICS
														Total
Weighted Average Coupon Original														7.19780%
Weighted Average Coupon Prior														7.19780%
Weighted Average Coupon Current														7.19780%
Weighted Average Months to Maturity Original														355
Weighted Average Months to Maturity Prior														355
Weighted Average Months to Maturity Current														355
Weighted Avg Remaining Amortization Term Original														355
Weighted Avg Remaining Amortization Term Prior														355
Weighted Avg Remaining Amortization Term Current														355
Weighted Average Seasoning Original														2.09
Weighted Average Seasoning Prior														2.09
Weighted Average Seasoning Current														2.09
Page 8 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
ARM CHARACTERISTICS
														Total
Weighted Average Margin Original														5.71306%
Weighted Average Margin Prior														5.71306%
Weighted Average Margin Current														5.71306%
Weighted Average Max Rate Original														14.16170%
Weighted Average Max Rate Prior														14.16170%
Weighted Average Max Rate Current														14.16170%
Weighted Average Min Rate Original														7.16569%
Weighted Average Min Rate Prior														7.16569%
Weighted Average Min Rate Current														7.16569%
Weighted Average Cap Up Original														1.49800%
Weighted Average Cap Up Prior														1.49800%
Weighted Average Cap Up Current														1.49800%
Weighted Average Cap Down Original														1.49800%
Weighted Average Cap Down Prior														1.49800%
Weighted Average Cap Down Current														1.49800%
SERVICING FEES & ADVANCES
															Total
Current Servicing Fees														180,975.82
Delinquent Servicing Fees														563,212.60
TOTAL SERVICING FEES														744,188.42
Total Servicing Fees														744,188.42
Compensating Interest														-21,266.41
Delinquent Servicing Fees														-563,212.60
COLLECTED SERVICING FEES														159,709.41
Total Advanced Interest														7,571,487.92
Total Advanced Principal														896,670.98
Aggregate Advances with respect to this Distribution														16,936,317.81
ADDITIONAL COLLATERAL INFORMATION
														Total
Prepayment Interest Shortfall (PPIS)														21,266.41
Compensating Interest														-21,266.41
Net Prepayment Interest Shortfall (PPIS)														0.00
Ending Pool Stated Principal Balance														1,776,183,895.35
Weighted Average Net Mortgage Rate														6.768629%
Page 9 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Delinquency Report
	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				0.00		0.00		0.00		0.00
			% Balance				0.00%		0.00%		0.00%		0.00%
			# Loans				0		0		0		0
			% # Loans				0.00%		0.00%		0.00%		0.00%
	FORECLOSURE		Balance		67,279.73		0.00		0.00		0.00		67,279.73
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		1		0		0		0		1
			% # Loans		0.01%		0.00%		0.00%		0.00%		0.01%
	BANKRUPTCY		Balance		1,426,850.44		0.00		0.00		0.00		1,426,850.44
			% Balance		0.08%		0.00%		0.00%		0.00%		0.08%
			# Loans		10		0		0		0		10
			% # Loans		0.10%		0.00%		0.00%		0.00%		0.10%
	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		1,494,130.17		0.00		0.00		0.00		1,494,130.17
			% Balance		0.08%		0.00%		0.00%		0.00%		0.08%
			# Loans		11		0		0		0		11
			% # Loans		0.11%		0.00%		0.00%		0.00%		0.11%
Page 10 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 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 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 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
1001313206 1
			67,320.11		67,279.73		01-Jun-2005		8.625%		GA - 89.99%		360		01-May-2005
TOTAL			67,320.11		67,279.73
Page 12 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Prepayment Report
VOLUNTARY PREPAYMENTS
															Total
Current
Number of Paid in Full Loans														39
Number of Repurchased Loans														0
Total Number of Loans Prepaid in Full														39
Curtailments Amount														118,243.86
Paid in Full Balance														8,572,821.35
Repurchased Loans Balance														0.00
Total Prepayment Amount														8,691,065.21
Cumulative
Number of Paid in Full Loans														39
Number of Repurchased Loans														0
Total Number of Loans Prepaid in Full														39
Paid in Full Balance														8,572,821.35
Repurchased Loans Balance														0.00
Curtailments Amount														118,243.86
Total Prepayment Amount														8,691,065.21
Page 13 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
VOLUNTARY PREPAYMENTS RATES
															Total
SMM														0.49%
3 Months Avg SMM														0.49%
12 Months Avg SMM														0.49%
Avg SMM Since Cut-off														0.49%
CPR														5.69%
3 Months Avg CPR														5.69%
12 Months Avg CPR														5.69%
Avg CPR Since Cut-off														5.69%
PSA														1,363.09%
3 Months Avg PSA Approximation														1,363.10%
12 Months Avg PSA Approximation														1,363.10%
Avg PSA Since Cut-off Approximation														1,363.10%
Page 14 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 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 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 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	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment
Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date
2080019 1			77,944.11		77,944.11			30-Jun-2005		7.675%		NY - 61.18%		Paid Off - 360		01-Jun-2005
2099668 1			273,538.55		273,538.55			16-Jun-2005		7.300%		MA - 75.00%		Paid Off - 360		01-Jun-2005
2106998 1			94,740.47		94,740.47			22-Jun-2005		8.325%		MO - 60.00%		Paid Off - 360		01-Jun-2005
1000809254 1			179,697.15		179,697.15			27-Jun-2005		8.650%		MD - 90.00%		Paid Off - 360		01-May-2005
1000838188 1			190,814.98		190,814.98			06-Jun-2005		7.400%		FL - 89.98%		Paid Off - 360		01-Mar-2005
1000882879 1			201,700.01		201,700.01			07-Jun-2005		6.750%		CA - 74.98%		Paid Off - 360		01-Apr-2005
1001014440 1			178,788.61		178,788.61			21-Jun-2005		6.650%		CA - 80.00%		Paid Off - 360		01-May-2005
1001067650 1			185,260.17		185,260.17			02-Jun-2005		8.200%		CA - 63.97%		Paid Off - 360		01-May-2005
1001085364 1			228,339.29		228,339.29			16-Jun-2005		6.550%		CA - 75.00%		Paid Off - 360		01-May-2005
1001128354 1			188,831.72		188,831.72			14-Jun-2005		9.990%		CA - 70.00%		Paid Off - 360		01-May-2005
1001128899 1			174,842.85		174,842.85			14-Jun-2005		9.950%		CA - 64.82%		Paid Off - 360		01-May-2005
1001155083 1			257,751.20		257,751.20			24-Jun-2005		6.250%		CA - 80.00%		Paid Off - 360		01-Jun-2005
1001186503 1			336,939.62		336,939.62			30-Jun-2005		6.950%		CA - 90.00%		Paid Off - 360		01-May-2005
1001199884 1			341,193.09		341,193.09			03-Jun-2005		8.600%		IL - 79.91%		Paid Off - 360		01-May-2005
1001199982 1			255,750.00		255,750.00			22-Jun-2005		7.250%		MD - 86.70%		Paid Off - 360		01-May-2005
1001211156 1			142,305.72		142,305.72			29-Jun-2005		7.938%		NJ - 95.00%		Paid Off - 360		01-May-2005
1001215063 1			111,819.44		111,819.44			08-Jun-2005		7.100%		GA - 80.00%		Paid Off - 360		01-May-2005
1001269433 1			166,271.24		166,271.24			27-Jun-2005		7.900%		MD - 75.00%		Paid Off - 360		01-May-2005
1001281918 1			32,380.30		32,380.30			07-Jun-2005		11.750%		AZ - 20.00%		Paid Off - 360		01-May-2005
1001332926 1			168,474.62		168,474.62			30-Jun-2005		7.490%		RI - 74.93%		Paid Off - 360		01-Jun-2005
1001348535 1			341,763.44		341,763.44			03-Jun-2005		7.850%		FL - 90.00%		Paid Off - 360		01-Jun-2005
1001389036 1			175,807.00		175,807.00			29-Jun-2005		9.000%		CA - 80.00%		Paid Off - 360		01-May-2005
1001395118 1			499,000.09		499,000.09			28-Jun-2005		5.990%		MD - 25.00%		Paid Off - 360		01-May-2005
1001426656 1			175,453.59		175,453.59			16-Jun-2005		7.863%		FL - 80.00%		Paid Off - 360		01-May-2005
1001427799 1			237,799.06		237,799.06			27-Jun-2005		6.850%		FL - 89.81%		Paid Off - 360		01-Jun-2005
1001429136 1			141,951.00		141,951.00			27-Jun-2005		11.150%		CA - 20.00%		Paid Off - 360		01-Jun-2005
1001437118 1			279,807.77		279,807.77			07-Jun-2005		8.150%		VA - 90.00%		Paid Off - 360		01-Jun-2005
1001450058 1			90,898.12		90,898.12			21-Jun-2005		8.900%		IL - 70.00%		Paid Off - 360		01-May-2005
1001452582 1			225,903.17		225,903.17			16-Jun-2005		10.150%		RI - 100.00%		Paid Off - 360		01-Jun-2005
1001560073 1			227,307.93		227,307.93			22-Jun-2005		6.850%		MD - 79.83%		Paid Off - 360		01-Jun-2005
1001565504 1			332,737.63		332,737.63			30-Jun-2005		7.200%		CA - 90.00%		Paid Off - 360		01-Jun-2005
1001575236 1			141,287.47		141,287.47			17-Jun-2005		10.000%		FL - 90.00%		Paid Off - 360		01-Jun-2005
1001576752 1			112,452.82		112,452.82			27-Jun-2005		10.250%		NC - 75.00%		Paid Off - 360		01-Jun-2005
1001577813 1			273,150.00		273,150.00			30-Jun-2005		8.400%		IL - 90.00%		Paid Off - 360		01-Jun-2005
1001636518 1			199,831.97		199,831.97			28-Jun-2005		6.875%		IL - 49.38%		Paid Off - 360		01-Jun-2005
1001676127 1			499,573.70		499,573.70			13-Jun-2005		6.800%		CA - 62.50%		Paid Off - 360		01-Jun-2005
1001692975 1			374,732.64		374,732.64			23-Jun-2005		7.700%		CA - 61.48%		Paid Off - 360		01-Jun-2005
Page 16 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original							Current		State &		Type Prepayment		First
&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment
Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date
1001777018 1			284,188.66		284,188.66			10-Jun-2005		8.250%		VA - 90.00%		Paid Off - 360		01-Jun-2005
1001794348 1			171,792.15		171,792.15			17-Jun-2005		7.490%		NM - 80.00%		Paid Off - 360		01-Jun-2005
TOTAL			8,572,821.35		8,572,821.35
Page 17 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Realized Loss Report
COLLATERAL REALIZED LOSSES
															Total
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														0.00
Cumulative
Number of Loans Liquidated														0
Collateral Realized Loss/(Gain) Amount														0.00
Net Liquidation Proceeds														0.00
Page 18 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 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 19 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 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 20 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Realized Loss Detail Report
Loan Number			Current		State &				Prior		Realized				Cumulative
&		Loan	Note		LTV at		Original		Principal		Loss/(Gain)		Realized		Realized
Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)
TOTAL
Page 21 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Triggers and Adj. Cert. Report
TRIGGER EVENTS
														Total
						Does a Trigger Event Exist? (0=No,1=Yes)								0
						Has a Stepdown Date Occurred? (0=No,1=Yes)								0
ADJUSTABLE RATE CERTIFICATE INFORMATION
SPACE INTENTIONALLY LEFT BLANK
ADDITIONAL INFORMATION
														Total
Current LIBOR Rate														3.160000%
Next LIBOR Rate														3.460000%
Page 22 of 23
Carrington Mortgage Loan Trust 2005-NC3
Mortgage Pass-Through Certificates
2005-NC3
July 25, 2005 Distribution
Additional Certificate Report
ADDITIONAL CERTIFICATE REPORT
													Net WAC Shortfall Carryover		Net WAC Shortfall Paid
CLASS
			A-1A										0.00		0.00
			A-1B										0.00		0.00
			A-1C										0.00		0.00
			A-1D										0.00		0.00
			A-2										0.00		0.00
			M-1										0.00		0.00
			M-2										0.00		0.00
			M-3										0.00		0.00
			M-4										0.00		0.00
			M-5										0.00		0.00
			M-6										0.00		#######
			M-7										0.00		#######
			M-8										0.00		#######
			M-9										0.01		#######
Page 23 of 23

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): June 8, 2005

CITIGROUP MORTGAGE LOAN TRUST INC.

(as depositor under the Pooling and Servicing Agreement,

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

Carrington Mortgage Loan Trust, Series 2005-NC3

Asset Backed Pass-Through Certificates)

Citigroup Mortgage Loan Trust Inc.

(Exact name of registrant as specified in its charter)

Delaware	333-117349-09	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):

[_] 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))

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 5, 2005

CITIBANK MORTGAGE LOAN TRUST INC.

By:	/s/ Susan Mills________________
Name:	Susan Mills
Title:	Managing Director

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

Filing Compare · Carrington Mortgage Loan Trust, Series 2005-NC3