

                                    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): May 25, 2005
                             (Date of earliest event reported)


                                Citigroup Mortgage Loan Trust Inc.
              (as Depositor under the Pooling and Servicing Agreement, dated as
               February 1, 2005, providing for the issuance of Asset Backed
                          Pass-Through Certificates, Series 2005-OPT1)
                      (Exact name of registrant as specified in charter)


                                         DELAWARE
                     (State or Other Jurisdiction of Incorporation)

               333-117349-10                        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.

     This current report on Form 8-K relates to the monthly distribution
     reported to the holders of Citigroup Mortgage Loan Trust, Series
     2005-OPT1 Asset Backed Pass-Through Certificates, Series 2005-OPT1,
     which was made on February 1, 2005

     Item 9.01 Financial Statements and Exhibits.

     (c) Exhibits

     Exhibit No. Description

     99.1 Monthly Remittance Statement to the Certificateholders dated as of
     May 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 behalf of
    the Registrant by the undersigned thereunto 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:  Jun 02, 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
               May 25, 2005.



Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution

				External Parties						Table of Contents

													Page
				Seller									Page
				Seller						1. Certificate Payment Report					2
				Citigroup Mrtg. Loan Trust						1. Certificate Payment Report					2
				Citigroup Mrtg. Loan Trust						2. Collection Account Report					4
										2. Collection Account Report					4
										3. Credit Enhancement Report					6
										4. Collateral Report					7
				Certificate Insurer(s)						5. Delinquency Report					10
				Certificate Insurer(s)						5. Delinquency Report					10
										6. REO Report					11

										7. Foreclosure Report					12
										8. Prepayment Report					13
										9. Prepayment Detail Report					16
										9. Prepayment Detail Report					16
										10. Realized Loss Report					18
										11. Realized Loss Detail Report					21
				Servicer(s)						11. Realized Loss Detail Report					21
				Servicer(s)						12. Triggers and Adj. Cert. Report					22
				Option One						12. Triggers and Adj. Cert. Report					22
				Option One						13. Additional Certificate Report					23
										13. Additional Certificate Report					23


				Underwriter(s)
				Citigroup


										Total Number of Pages					23
										Total Number of Pages

				Dates						Contacts

				Cut-Off Date:			February 01, 2005			Brent Hoyler
				Close Date:			January 28, 2005			Administrator
				First Distribution Date:			March 25, 2005			(714) 247-6322
										Brent.Hoyler@db.com
										Brent.Hoyler@db.com
										Address:
										1761 East St. Andrew Place, Santa Ana, CA 92705
				Distribution Date:			May 25, 2005
										Factor Information:			(800) 735-7777
				Record Date:			April 29, 2005			Factor Information:			(800) 735-7777
										Main Phone Number:			(714) 247-6000

							May 24, 2005
							May 24, 2005

										https://www.tss.db.com/invr






Page 1 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Certificate Payment Report
Current Period Distribution -
					Prior												Current
	Class		Original		Principal						Total		Realized		Deferred		Principal
	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	$	290,150,000.00		264,169,413.69		684,639.06		13,220,480.65		13,905,119.71		0.00		0.00		250,948,933.04
A-1A	SR	$	290,150,000.00		264,169,413.69		684,639.06		13,220,480.65		13,905,119.71		0.00		0.00		250,948,933.04
A-1B	SR	$	314,286,000.00		314,286,000.00		845,953.15		0.00		845,953.15		0.00		0.00		314,286,000.00
A-1C	SR	$	46,279,600.00		46,279,600.00		129,968.54		0.00		129,968.54		0.00		0.00		46,279,600.00
M-1	MEZ	$	29,707,600.00		29,707,600.00		85,161.79		0.00		85,161.79		0.00		0.00		29,707,600.00
M-2	MEZ	$	24,010,300.00		24,010,300.00		69,229.70		0.00		69,229.70		0.00		0.00		24,010,300.00
M-3	MEZ	$	15,464,300.00		15,464,300.00		44,975.34		0.00		44,975.34		0.00		0.00		15,464,300.00
M-4	MEZ	$	13,429,500.00		13,429,500.00		41,631.45		0.00		41,631.45		0.00		0.00		13,429,500.00
M-5	MEZ	$	13,022,600.00		13,022,600.00		40,695.63		0.00		40,695.63		0.00		0.00		13,022,600.00
M-6	MEZ	$	11,801,700.00		11,801,700.00		37,175.36		0.00		37,175.36		0.00		0.00		11,801,700.00
M-7	MEZ	$	10,173,900.00		10,173,900.00		36,117.35		0.00		36,117.35		0.00		0.00		10,173,900.00
M-8	MEZ	$	6,511,300.00		6,511,300.00		23,386.42		0.00		23,386.42		0.00		0.00		6,511,300.00
M-9	MEZ/NOF	$	8,139,100.00		8,139,100.00		35,744.21		0.00		35,744.21		0.00		0.00		8,139,100.00
M-10	MEZ/NOF	$	8,953,000.00		8,953,000.00		39,318.59		0.00		39,318.59		0.00		0.00		8,953,000.00
CE	NOF	$	21,975,407.42		21,975,419.00		2,212,196.74		0.00		2,212,196.74		0.00		0.00		21,975,419.00
P	NOF	$	100.00		100.00		248,413.36		0.00		248,413.36		0.00		0.00		100.00
R	NOF/NPR	$	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			813,904,407.42		787,923,832.69		4,574,606.69		13,220,480.65		17,795,087.34		0.00		0.00		774,703,352.04
Total




Interest Accrual Detail Current Period Factor Information per $1,000 of Original Face-
									Orig. Principal		Prior							Current
									Orig. Principal		Prior							Current
	Period		Period						(with Notional)		Principal						Total	Principal
	Period		Period
Class	Starting		Ending		Method		Cusip		Balance		Balance		Interest		Principal		Distribution	Balance

									(1)		(1)		(2)		(3)		(4)=(2)+(3)	(5)
A-1A	04/25/05		05/24/05		A-Act/360		17307GNN4		290,150,000.00		910.458086		2.359604		45.564297		47.923900	864.893790
A-1B	04/25/05		05/24/05		A-Act/360		17307GNP9		314,286,000.00		1,000.000000		2.691667		0.000000		2.691667	1,000.000000
A-1C	04/25/05		05/24/05		A-Act/360		17307GNQ7		46,279,600.00		1,000.000000		2.808333		0.000000		2.808333	1,000.000000
M-1	04/25/05		05/24/05		A-Act/360		17307GNR5		29,707,600.00		1,000.000000		2.866667		0.000000		2.866667	1,000.000000
M-2	04/25/05		05/24/05		A-Act/360		17307GNS3		24,010,300.00		1,000.000000		2.883333		0.000000		2.883333	1,000.000000
M-3	04/25/05		05/24/05		A-Act/360		17307GNT1		15,464,300.00		1,000.000000		2.908333		0.000000		2.908333	1,000.000000
M-4	04/25/05		05/24/05		A-Act/360		17307GNU8		13,429,500.00		1,000.000000		3.100000		0.000000		3.100000	1,000.000000
M-5	04/25/05		05/24/05		A-Act/360		17307GNV6		13,022,600.00		1,000.000000		3.125000		0.000000		3.125000	1,000.000000
M-6	04/25/05		05/24/05		A-Act/360		17307GNW4		11,801,700.00		1,000.000000		3.150000		0.000000		3.150000	1,000.000000
M-7	04/25/05		05/24/05		A-Act/360		17307GNX2		10,173,900.00		1,000.000000		3.550000		0.000000		3.550000	1,000.000000
M-8	04/25/05		05/24/05		A-Act/360		17307GNY0		6,511,300.00		1,000.000000		3.591667		0.000000		3.591667	1,000.000000
M-9	04/25/05		05/24/05		A-Act/360		17307GNZ7		8,139,100.00		1,000.000000		4.391666		0.000000		4.391666	1,000.000000
M-10	04/25/05		05/24/05		A-Act/360		17307GPA0		8,953,000.00		1,000.000000		4.391666		0.000000		4.391666	1,000.000000
CE	04/25/05		05/24/05		A-30/360		CI05O101C		21,975,407.42		1,000.000527		100.666927		0.000000		100.666927	1,000.000527
P	04/25/05		05/24/05		CI05O101P		100.00		1,000.000000		2,484,133.600000		0.000000		2,484,133.600000		1,000.000000
R	04/25/05		05/24/05		CI05O101R		0.00		0.000000		0.000000		0.000000		0.000000		0.000000




Page 2 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 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	290,150,000.00		2,359,752.24		37,389,989.06		1,811,077.90		39,201,066.96		41,560,819.20		0.00		0.00		250,948,933.04
A-1B	314,286,000.00		2,774,097.76		0.00		0.00		0.00		2,774,097.76		0.00		0.00		314,286,000.00
A-1C	46,279,600.00		427,572.08		0.00		0.00		0.00		427,572.08		0.00		0.00		46,279,600.00
M-1	29,707,600.00		280,588.29		0.00		0.00		0.00		280,588.29		0.00		0.00		29,707,600.00
M-2	24,010,300.00		228,191.22		0.00		0.00		0.00		228,191.22		0.00		0.00		24,010,300.00
M-3	15,464,300.00		148,337.01		0.00		0.00		0.00		148,337.01		0.00		0.00		15,464,300.00
M-4	13,429,500.00		137,913.51		0.00		0.00		0.00		137,913.51		0.00		0.00		13,429,500.00
M-5	13,022,600.00		134,885.20		0.00		0.00		0.00		134,885.20		0.00		0.00		13,022,600.00
M-6	11,801,700.00		123,281.88		0.00		0.00		0.00		123,281.88		0.00		0.00		11,801,700.00
M-7	10,173,900.00		120,656.81		0.00		0.00		0.00		120,656.81		0.00		0.00		10,173,900.00
M-8	6,511,300.00		78,179.01		0.00		0.00		0.00		78,179.01		0.00		0.00		6,511,300.00
M-9	8,139,100.00		120,729.97		0.00		0.00		0.00		120,729.97		0.00		0.00		8,139,100.00
M-10	8,953,000.00		132,802.83		0.00		0.00		0.00		132,802.83		0.00		0.00		8,953,000.00
CE	21,975,407.42		6,139,528.90		0.00		0.00		0.00		6,139,528.90		0.00		11.58		21,975,419.00
P	100.00		572,147.02		0.00		0.00		0.00		572,147.02		0.00		0.00		100.00
R	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total	813,904,407.42		13,778,663.73		37,389,989.06		1,811,077.90		39,201,066.96		52,979,730.69		0.00		11.58		774,703,352.04


Interest Detail -
	Pass		Prior Principal				Non-		Prior		Unscheduled				Paid or		Current
	Pass		Prior Principal				Non-		Prior		Unscheduled				Paid or

	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	3.11000%		264,169,413.69		684,639.06		0.00		0.00		0.00		684,639.06		684,639.06		0.00
A-1B	3.23000%		314,286,000.00		845,953.15		0.00		0.00		0.00		845,953.15		845,953.15		0.00
A-1C	3.37000%		46,279,600.00		129,968.54		0.00		0.00		0.00		129,968.54		129,968.54		0.00
M-1	3.44000%		29,707,600.00		85,161.79		0.00		0.00		0.00		85,161.79		85,161.79		0.00
M-2	3.46000%		24,010,300.00		69,229.70		0.00		0.00		0.00		69,229.70		69,229.70		0.00
M-3	3.49000%		15,464,300.00		44,975.34		0.00		0.00		0.00		44,975.34		44,975.34		0.00
M-4	3.72000%		13,429,500.00		41,631.45		0.00		0.00		0.00		41,631.45		41,631.45		0.00
M-5	3.75000%		13,022,600.00		40,695.63		0.00		0.00		0.00		40,695.63		40,695.63		0.00
M-6	3.78000%		11,801,700.00		37,175.36		0.00		0.00		0.00		37,175.36		37,175.36		0.00
M-7	4.26000%		10,173,900.00		36,117.35		0.00		0.00		0.00		36,117.35		36,117.35		0.00
M-8	4.31000%		6,511,300.00		23,386.42		0.00		0.00		0.00		23,386.42		23,386.42		0.00
M-9	5.27000%		8,139,100.00		35,744.21		0.00		0.00		0.00		35,744.21		35,744.21		0.00
M-10	5.27000%		8,953,000.00		39,318.59		0.00		0.00		0.00		39,318.59		39,318.59		0.00
CE	120.80025%		21,975,419.00		2,212,196.74		0.00		0.00		0.00		2,212,196.74		2,212,196.74		0.00
P	0.00000%		100.00		0.00		0.00		0.00		0.00		0.00		248,413.36		0.00
R	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			787,923,832.69		4,326,193.33		0.00		0.00		0.00		4,326,193.33		4,574,606.69		0.00



Page 3 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
														Total
Principal Collections														13,220,480.65
Principal Withrawals														0.00
Principal Other Accounts														0.00
TOTAL NET PRINCIPAL														13,220,480.65
Interest Collections														4,457,861.77
Interest Withdrawals														-0.00
Interest Other Accounts														248,413.36
Interest Fees														-131,668.43
TOTAL NET INTEREST														4,574,606.70
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION														17,795,087.35



PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
															Total
Scheduled Principal Received															597,319.44
Prepayments In Full															12,584,365.25
Curtailments															38,795.96
Liquidations															0.00
Insurance Principal															0.00
Repurchased Principal Amounts															0.00
Other Principal															0.00
Total Realized Loss Of Principal															-0.00
Delinquent Principal															-201,695.01
Advanced Principal															201,695.01
TOTAL PRINCIPAL COLLECTED															13,220,480.65


PRINCIPAL - WITHDRAWALS

SPACE INTENTIONALLY LEFT BLANK



PRINCIPAL - OTHER ACCOUNTS
PRINCIPAL - OTHER ACCOUNTS
														Total
TOTAL OTHER ACCOUNTS PRINCIPAL														0.00





Page 4 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution

INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
														Total
Scheduled Interest														4,526,457.31
Liquidation Interest														0.00
Repurchased Interest														0.00
Insurance Interest														0.00
Other Interest														0.00
Relief Act Interest Shortfalls														-0.00
Prepayment Interest Shortfalls														-6,814.79
Compensating Interest														6,814.79
Delinquent Interest														-1,629,794.46
Interest Advanced														1,561,198.92
TOTAL INTEREST COLLECTED														4,457,861.77


INTEREST - WITHDRAWALS
INTEREST - WITHDRAWALS
														Total
Nonrecoverable Advances														0.00
TOTAL INTEREST WITHDRAWALS														0.00



INTEREST - OTHER ACCOUNTS
INTEREST - OTHER ACCOUNTS
														Total
Prepayment Charges														248,413.36
TOTAL INTEREST OTHER ACCOUNTS														248,413.36



INTEREST - FEES
INTEREST - FEES
														Total
Current Servicing Fees														128,385.42
Current Trustee Fees														3,283.02
TOTAL INTEREST OTHER FEES														131,668.43




Page 5 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Credit Enhancement Report
ACCOUNTS


SPACE INTENTIONALLY LEFT BLANK





INSURANCE

SPACE INTENTIONALLY LEFT BLANK



STRUCTURAL FEATURES
STRUCTURAL FEATURES
														Total
Begining Overcollateralization Amount														21,975,419.00
Ending Overcollateralized Amount														21,975,419.00
Overcollateralization Release Amount														0.00
Overcollateralization Deficiency Amount														0.00
Overcollateralization Target Amount														21,975,419.00



Page 6 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Collateral Report


COLLATERAL



															Total



Loan Count:


Original														4,506
Prior														4,378
Prefunding														0
Scheduled Paid Offs														-0
Full Voluntary Prepayments														-71
Repurchases														-0
Liquidations														-0
Current														4,307
Principal Balance:


Original														813,904,407.42
Prior														787,923,832.69
Prefunding														0.00
Scheduled Principal														-597,319.44
Partial Prepayments														-38,795.96
Full Voluntary Prepayments														-12,584,365.25
Repurchases														-0.00
Liquidations														-0.00
Current														774,703,352.04





PREFUNDING

SPACE INTENTIONALLY LEFT BLANK






Page 7 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
														Total
Weighted Average Coupon Original														6.90286%
Weighted Average Coupon Prior														#######
Weighted Average Coupon Current														6.89375%
Weighted Average Months to Maturity Original														354
Weighted Average Months to Maturity Prior														353
Weighted Average Months to Maturity Current														352
Weighted Avg Remaining Amortization Term Original														354
Weighted Avg Remaining Amortization Term Prior														353
Weighted Avg Remaining Amortization Term Current														352
Weighted Average Seasoning Original														3.28
Weighted Average Seasoning Prior														4.28
Weighted Average Seasoning Current														5.28









Page 8 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution

ARM CHARACTERISTICS
ARM CHARACTERISTICS
														Total
Weighted Average Margin Original														4.98711%
Weighted Average Margin Prior														4.98955%
Weighted Average Margin Current														4.98538%
Weighted Average Max Rate Original														12.85988%
Weighted Average Max Rate Prior														12.85803%
Weighted Average Max Rate Current														12.85047%
Weighted Average Min Rate Original														6.85783%
Weighted Average Min Rate Prior														6.85701%
Weighted Average Min Rate Current														6.84943%
Weighted Average Cap Up Original														1.00017%
Weighted Average Cap Up Prior														1.00017%
Weighted Average Cap Up Current														1.00017%
Weighted Average Cap Down Original														1.00017%
Weighted Average Cap Down Prior														1.00017%
Weighted Average Cap Down Current														1.00017%




SERVICING FEES & ADVANCES

															Total




Current Servicing Fees														128,385.42
Delinquent Servicing Fees														68,595.54
TOTAL SERVICING FEES														196,980.96


Compensating Interest														-6,814.79
Delinquent Servicing Fees														-68,595.54
COLLECTED SERVICING FEES														121,570.63


Aggregate Advances with respect to this Distribution														1,762,893.93





ADDITIONAL COLLATERAL INFORMATION
														Total
Net Prepayment Interest Shortfall														0.00
Libor For Current Period														3.0200%




Page 9 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				5,566,672.59		1,753,473.55		0.00		7,320,146.14
			% Balance				0.72%		0.23%		0.00%		0.94%
			# Loans				31		5		0		36
			% # Loans				0.72%		0.12%		0.00%		0.84%
	FORECLOSURE		Balance		0.00		781,038.43		125,382.58		155,889.67		1,062,310.68
			% Balance		0.00%		0.10%		0.02%		0.02%		0.14%
			# Loans		0		5		2		1		8
			% # Loans		0.00%		0.12%		0.05%		0.02%		0.19%
	BANKRUPTCY		Balance		728,595.93		233,810.51		0.00		0.00		962,406.44
			% Balance		0.09%		0.03%		0.00%		0.00%		0.12%
			# Loans		6		2		0		0		8
			% # Loans		0.14%		0.05%		0.00%		0.00%		0.19%
	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		728,595.93		6,581,521.53		1,878,856.13		155,889.67		9,344,863.26
			% Balance		0.09%		0.85%		0.24%		0.02%		1.21%
			# Loans		6		38		7		1		52
			% # Loans		0.14%		0.88%		0.16%		0.02%		1.21%









Page 10 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 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
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

May 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
21060618 1
21060618 1			238,000.00		238,000.00		01-Feb-2005		6.350%		CA - 70.00%		360		01-Jan-2005

41063042 1			242,250.00		241,550.11		01-Feb-2005		8.800%		IL - 85.00%		360		01-Jan-2005
191021500 1			68,900.00		68,642.47		01-Feb-2005		8.450%		WA - 65.00%		360		01-Dec-2004
211024438 1			66,600.00		66,473.75		01-Jan-2005		10.800%		NC - 43.53%		360		01-Jan-2005
321021850 1			156,375.00		155,889.67		01-Dec-2004		8.450%		CO - 69.50%		360		01-Jan-2005
361022081 1			112,775.00		112,518.64		01-Feb-2005		9.950%		MI - 65.00%		360		01-Jan-2005
381017567 1			120,700.00		120,327.21		01-Feb-2005		8.500%		CT - 73.60%		360		01-Jan-2005
621004747 1			59,000.00		58,908.83		01-Jan-2005		11.740%		FL - 78.93%		360		01-Jan-2005


TOTAL			1,064,600.00		1,062,310.68



Page 12 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

															Total




Current


Number of Paid in Full Loans														71
Number of Repurchased Loans														0
Total Number of Loans Prepaid in Full														71
Curtailments Amount														38,795.96
Paid in Full Balance														12,584,365.25
Repurchased Loans Balance														0.00
Total Prepayment Amount														12,623,161.21

Cumulative


Number of Paid in Full Loans														199
Number of Repurchased Loans														0
Total Number of Loans Prepaid in Full														199
Paid in Full Balance														36,721,816.06
Repurchased Loans Balance														0.00
Curtailments Amount														668,161.99
Total Prepayment Amount														37,389,978.05










Page 13 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

															Total



SMM														1.60%
3 Months Avg SMM														1.56%
12 Months Avg SMM														1.56%
Avg SMM Since Cut-off														1.56%


CPR														17.63%
3 Months Avg CPR														17.17%
12 Months Avg CPR														17.17%
Avg CPR Since Cut-off														17.17%


PSA														1,668.80%
3 Months Avg PSA Approximation														2,004.37%
12 Months Avg PSA Approximation														2,004.37%
Avg PSA Since Cut-off Approximation														2,004.36%










Page 14 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

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Mortgage Pass-Through Certificates
2005-OPT1

May 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
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 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 Number			Original							Current		State &		Type Prepayment

&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment

Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date

11071001 1			75,000.00		74,820.32			28-Apr-2005		9.700%		CA - 66.80%		Paid Off - 360		01-Dec-2004
			75,000.00

11071192 1			1,050,000.00		1,046,915.73			29-Apr-2005		7.600%		CA - 70.00%		Paid Off - 360		01-Jan-2005
11071192 1					1,046,915.73			29-Apr-2005		7.600%		CA - 70.00%		Paid Off - 360		01-Jan-2005
11071532 1			131,750.00		131,176.40			25-Apr-2005		6.750%		CA - 85.00%		Paid Off - 360		01-Dec-2004
11071532 1					131,176.40			25-Apr-2005		6.750%		CA - 85.00%		Paid Off - 360		01-Dec-2004
11071722 1			175,000.00		174,584.37			06-May-2005		8.650%		CA - 58.33%		Paid Off - 360		01-Jan-2005
11071722 1					174,584.37			06-May-2005		8.650%		CA - 58.33%		Paid Off - 360		01-Jan-2005
11071885 1			261,000.00		260,140.70			10-May-2005		7.500%		CA - 90.00%		Paid Off - 360		01-Jan-2005
11071885 1					260,140.70			10-May-2005		7.500%		CA - 90.00%		Paid Off - 360		01-Jan-2005
21060111 1			73,500.00		72,978.86			13-May-2005		9.550%		CA - 52.12%		Paid Off - 240		01-Dec-2004
21060111 1					72,978.86			13-May-2005		9.550%		CA - 52.12%		Paid Off - 240		01-Dec-2004
21060182 1			349,600.00		348,048.20			11-May-2005		6.650%		CA - 95.00%		Paid Off - 360		01-Dec-2004
21060182 1					348,048.20			11-May-2005		6.650%		CA - 95.00%		Paid Off - 360		01-Dec-2004
21060436 1			200,000.00		199,737.50			26-Apr-2005		6.250%		CA - 31.25%		Paid Off - 360		01-Dec-2004
21060436 1					199,737.50			26-Apr-2005		6.250%		CA - 31.25%		Paid Off - 360		01-Dec-2004
21060502 1			233,910.00		233,121.04			02-May-2005		6.900%		CA - 90.00%		Paid Off - 360		01-Jan-2005
21060502 1					233,121.04			02-May-2005		6.900%		CA - 90.00%		Paid Off - 360		01-Jan-2005
21060581 1			72,000.00		71,880.27			02-May-2005		10.350%		CA - 67.35%		Paid Off - 360		01-Jan-2005
21060581 1					71,880.27			02-May-2005		10.350%		CA - 67.35%		Paid Off - 360		01-Jan-2005
31030009 1			113,000.00		112,500.94			30-Apr-2005		5.490%		CA - 46.12%		Paid Off - 360		01-Jan-2005
31030009 1					112,500.94			30-Apr-2005		5.490%		CA - 46.12%		Paid Off - 360		01-Jan-2005
31030163 1			175,000.00		174,223.19			10-May-2005		6.650%		CA - 52.24%		Paid Off - 360		01-Dec-2004
31030163 1					174,223.19			10-May-2005		6.650%		CA - 52.24%		Paid Off - 360		01-Dec-2004
31030219 1			375,000.00		373,618.70			03-May-2005		7.600%		CA - 75.00%		Paid Off - 360		01-Dec-2004
31030219 1					373,618.70			03-May-2005		7.600%		CA - 75.00%		Paid Off - 360		01-Dec-2004
31030358 1			252,000.00		251,036.05			02-May-2005		6.250%		CA - 90.00%		Paid Off - 360		01-Jan-2005
31030358 1					251,036.05			02-May-2005		6.250%		CA - 90.00%		Paid Off - 360		01-Jan-2005
31030548 1			332,150.00		330,879.52			21-Apr-2005		6.250%		CA - 73.00%		Paid Off - 360		01-Jan-2005
31030548 1					330,879.52			21-Apr-2005		6.250%		CA - 73.00%		Paid Off - 360		01-Jan-2005
41063032 1			80,000.00		79,831.43			11-May-2005		10.400%		IL - 55.17%		Paid Off - 360		01-Jan-2005
41063032 1					79,831.43			11-May-2005		10.400%		IL - 55.17%		Paid Off - 360		01-Jan-2005
61055470 1			85,520.00		85,520.00			12-May-2005		8.200%		KY - 80.00%		Paid Off - 360		01-Jan-2005
61055470 1					85,520.00			12-May-2005		8.200%		KY - 80.00%		Paid Off - 360		01-Jan-2005
71062837 1			93,750.00		93,572.89			19-Apr-2005		9.750%		FL - 75.00%		Paid Off - 360		01-Jan-2005
71062837 1					93,572.89			19-Apr-2005		9.750%		FL - 75.00%		Paid Off - 360		01-Jan-2005
81051780 1			124,800.00		124,467.79			19-Apr-2005		8.090%		MD - 80.00%		Paid Off - 360		01-Jan-2005
81051780 1					124,467.79			19-Apr-2005		8.090%		MD - 80.00%		Paid Off - 360		01-Jan-2005
141036969 1			161,405.00		159,531.43			21-Apr-2005		6.300%		NY - 95.00%		Paid Off - 360		01-May-2004
141036969 1					159,531.43			21-Apr-2005		6.300%		NY - 95.00%		Paid Off - 360		01-May-2004
141041088 1			76,000.00		75,788.70			13-May-2005		10.625%		NY - 99.98%		Paid Off - 360		01-Oct-2004
141041088 1					75,788.70			13-May-2005		10.625%		NY - 99.98%		Paid Off - 360		01-Oct-2004
141042935 1			80,000.00		79,724.85			12-May-2005		6.800%		NY - 45.76%		Paid Off - 360		01-Jan-2005
141042935 1					79,724.85			12-May-2005		6.800%		NY - 45.76%		Paid Off - 360		01-Jan-2005
161036537 1			50,000.00		49,524.91			12-May-2005		8.700%		MA - 66.95%		Paid Off - 240		01-Nov-2004
161036537 1					49,524.91			12-May-2005		8.700%		MA - 66.95%		Paid Off - 240		01-Nov-2004
161037530 1			192,000.00		191,278.43			10-May-2005		6.350%		MA - 80.00%		Paid Off - 360		01-Jan-2005
161037530 1					191,278.43			10-May-2005		6.350%		MA - 80.00%		Paid Off - 360		01-Jan-2005
161037934 1			127,000.00		126,637.99			02-May-2005		7.750%		NH - 76.97%		Paid Off - 360		01-Jan-2005
161037934 1					126,637.99			02-May-2005		7.750%		NH - 76.97%		Paid Off - 360		01-Jan-2005
161037941 1			286,400.00		285,335.59			03-May-2005		6.400%		MA - 80.00%		Paid Off - 360		01-Jan-2005
161037941 1					285,335.59			03-May-2005		6.400%		MA - 80.00%		Paid Off - 360		01-Jan-2005
191021329 1			180,000.00		179,169.07			20-Apr-2005		6.450%		WA - 80.00%		Paid Off - 360		01-Dec-2004
191021329 1					179,169.07			20-Apr-2005		6.450%		WA - 80.00%		Paid Off - 360		01-Dec-2004
191021863 1			75,000.00		74,772.99			10-May-2005		7.450%		ID - 64.66%		Paid Off - 360		01-Jan-2005
191021863 1					74,772.99			10-May-2005		7.450%		ID - 64.66%		Paid Off - 360		01-Jan-2005
211024432 1			170,010.00		169,259.14			03-May-2005		5.490%		NC - 75.56%		Paid Off - 360		01-Jan-2005
211024432 1					169,259.14			03-May-2005		5.490%		NC - 75.56%		Paid Off - 360		01-Jan-2005
231055318 1			132,000.00		131,705.29			03-May-2005		8.950%		VA - 80.00%		Paid Off - 360		01-Jan-2005
231055318 1					131,705.29			03-May-2005		8.950%		VA - 80.00%		Paid Off - 360		01-Jan-2005
251033145 1			167,000.00		166,024.82			10-May-2005		5.200%		CA - 51.38%		Paid Off - 360		01-Dec-2004
251033145 1					166,024.82			10-May-2005		5.200%		CA - 51.38%		Paid Off - 360		01-Dec-2004
251034061 1			109,600.00		108,119.77			03-May-2005		6.850%		CA - 80.00%		Paid Off - 360		01-Dec-2004
251034061 1					108,119.77			03-May-2005		6.850%		CA - 80.00%		Paid Off - 360		01-Dec-2004
251034515 1			233,000.00		232,158.75			09-May-2005		6.550%		CA - 68.53%		Paid Off - 360		01-Jan-2005
251034515 1					232,158.75			09-May-2005		6.550%		CA - 68.53%		Paid Off - 360		01-Jan-2005
261049696 1			58,000.00		57,832.99			21-Apr-2005		7.700%		MI - 58.00%		Paid Off - 360		01-Jan-2005
261049696 1					57,832.99			21-Apr-2005		7.700%		MI - 58.00%		Paid Off - 360		01-Jan-2005
261049719 1			212,500.00		211,824.27			10-May-2005		7.200%		FL - 77.27%		Paid Off - 360		01-Jan-2005
261049719 1					211,824.27			10-May-2005		7.200%		FL - 77.27%		Paid Off - 360		01-Jan-2005
271016086 1			73,400.00		72,698.18			25-Apr-2005		8.650%		CA - 85.00%		Paid Off - 240		01-Nov-2004
271016086 1					72,698.18			25-Apr-2005		8.650%		CA - 85.00%		Paid Off - 240		01-Nov-2004
271017602 1			84,600.00		84,212.89			06-May-2005		6.500%		FL - 90.00%		Paid Off - 360		01-Dec-2004
271017602 1					84,212.89					6.500%		FL - 90.00%		Paid Off - 360



Page 16 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution

Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original							Current		State &		Type Prepayment		First
Loan Number			Original							Current		State &		Type Prepayment

&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment

Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date

271017781 1			108,000.00		107,621.25			22-Apr-2005		6.700%		LA - 47.58%		Paid Off - 360		01-Jan-2005
			108,000.00

271017822 1			384,800.00		382,828.42			30-Apr-2005		5.900%		CA - 80.00%		Paid Off - 360		01-Dec-2004
271017822 1					382,828.42			30-Apr-2005		5.900%		CA - 80.00%		Paid Off - 360		01-Dec-2004
271017922 1			100,000.00		99,610.10			04-May-2005		6.150%		MA - 19.08%		Paid Off - 360		01-Jan-2005
271017922 1					99,610.10			04-May-2005		6.150%		MA - 19.08%		Paid Off - 360		01-Jan-2005
321021716 1			81,600.00		80,931.36			02-May-2005		6.250%		WY - 85.00%		Paid Off - 360		01-Jan-2005
321021716 1					80,931.36			02-May-2005		6.250%		WY - 85.00%		Paid Off - 360		01-Jan-2005
331030887 1			245,100.00		243,865.43			12-May-2005		5.990%		NY - 95.00%		Paid Off - 360		01-Dec-2004
331030887 1					243,865.43			12-May-2005		5.990%		NY - 95.00%		Paid Off - 360		01-Dec-2004
331031709 1			185,250.00		184,861.37			05-May-2005		9.250%		NY - 65.00%		Paid Off - 360		01-Jan-2005
331031709 1					184,861.37			05-May-2005		9.250%		NY - 65.00%		Paid Off - 360		01-Jan-2005
331032369 1			280,000.00		278,588.45			03-May-2005		4.890%		NY - 80.00%		Paid Off - 360		01-Jan-2005
331032369 1					278,588.45			03-May-2005		4.890%		NY - 80.00%		Paid Off - 360		01-Jan-2005
371022681 1			87,400.00		87,174.76			19-Apr-2005		8.250%		FL - 95.00%		Paid Off - 360		01-Jan-2005
371022681 1					87,174.76			19-Apr-2005		8.250%		FL - 95.00%		Paid Off - 360		01-Jan-2005
381017442 1			184,000.00		183,499.20			27-Apr-2005		7.980%		CT - 80.00%		Paid Off - 360		01-Jan-2005
381017442 1					183,499.20			27-Apr-2005		7.980%		CT - 80.00%		Paid Off - 360		01-Jan-2005
381017630 1			236,000.00		235,007.30			03-May-2005		5.750%		RI - 80.00%		Paid Off - 360		01-Jan-2005
381017630 1					235,007.30			03-May-2005		5.750%		RI - 80.00%		Paid Off - 360		01-Jan-2005
511032053 1			334,750.00		333,098.67			21-Apr-2005		6.100%		CA - 65.00%		Paid Off - 360		01-Dec-2004
511032053 1					333,098.67			21-Apr-2005		6.100%		CA - 65.00%		Paid Off - 360		01-Dec-2004
511032362 1			152,000.00		151,466.95			22-Apr-2005		6.700%		CA - 80.00%		Paid Off - 360		01-Jan-2005
511032362 1					151,466.95			22-Apr-2005		6.700%		CA - 80.00%		Paid Off - 360		01-Jan-2005
521019400 1			71,250.00		71,001.90			10-May-2005		8.740%		WI - 57.00%		Paid Off - 360		01-Jan-2005
521019400 1					71,001.90			10-May-2005		8.740%		WI - 57.00%		Paid Off - 360		01-Jan-2005
521021413 1			166,500.00		166,025.35			29-Apr-2005		7.750%		WI - 90.00%		Paid Off - 360		01-Jan-2005
521021413 1					166,025.35			29-Apr-2005		7.750%		WI - 90.00%		Paid Off - 360		01-Jan-2005
611013224 1			90,000.00		89,632.02			02-May-2005		5.900%		NY - 40.00%		Paid Off - 360		01-Jan-2005
611013224 1					89,632.02			02-May-2005		5.900%		NY - 40.00%		Paid Off - 360		01-Jan-2005
631004925 1			212,750.00		211,814.73			20-Apr-2005		6.700%		CA - 89.96%		Paid Off - 360		01-Dec-2004
631004925 1					211,814.73			20-Apr-2005		6.700%		CA - 89.96%		Paid Off - 360		01-Dec-2004
661002586 1			75,000.00		74,800.52			19-Apr-2005		9.200%		CA - 75.71%		Paid Off - 360		01-Dec-2004
661002586 1					74,800.52			19-Apr-2005		9.200%		CA - 75.71%		Paid Off - 360		01-Dec-2004
661002816 1			340,000.00		338,819.16			26-Apr-2005		6.750%		CA - 80.00%		Paid Off - 360		01-Jan-2005
661002816 1					338,819.16			26-Apr-2005		6.750%		CA - 80.00%		Paid Off - 360		01-Jan-2005
671001708 1			217,500.00		217,500.00			06-May-2005		5.250%		CA - 75.00%		Paid Off - 360		01-Dec-2004
671001708 1					217,500.00			06-May-2005		5.250%		CA - 75.00%		Paid Off - 360		01-Dec-2004
671001776 1			148,792.00		148,172.01			09-May-2005		5.800%		CA - 80.00%		Paid Off - 360		01-Jan-2005
671001776 1					148,172.01			09-May-2005		5.800%		CA - 80.00%		Paid Off - 360		01-Jan-2005
671001818 1			169,100.00		169,100.00			05-May-2005		6.990%		AZ - 95.00%		Paid Off - 360		01-Jan-2005
671001818 1					169,100.00			05-May-2005		6.990%		AZ - 95.00%		Paid Off - 360		01-Jan-2005
671001836 1			307,500.00		307,445.00			30-Apr-2005		7.200%		CA - 75.00%		Paid Off - 360		01-Jan-2005
671001836 1					307,445.00			30-Apr-2005		7.200%		CA - 75.00%		Paid Off - 360		01-Jan-2005
681002675 1			116,250.00		115,915.27			02-May-2005		7.700%		ME - 75.00%		Paid Off - 360		01-Jan-2005
681002675 1					115,915.27			02-May-2005		7.700%		ME - 75.00%		Paid Off - 360		01-Jan-2005
691001296 1			216,000.00		215,413.25			12-May-2005		7.990%		MD - 80.00%		Paid Off - 360		01-Jan-2005
691001296 1					215,413.25			12-May-2005		7.990%				Paid Off - 360		01-Jan-2005
691001458 1			200,000.00		199,420.61			21-Apr-2005		7.670%		MD - 79.05%		Paid Off - 360		01-Jan-2005
691001458 1					199,420.61			21-Apr-2005		7.670%		MD - 79.05%		Paid Off - 360		01-Jan-2005
711004789 1			122,400.00		121,912.09			27-Apr-2005		6.100%		VT - 84.41%		Paid Off - 360		01-Jan-2005
711004789 1					121,912.09			27-Apr-2005		6.100%		VT - 84.41%		Paid Off - 360		01-Jan-2005
711005001 1			148,850.00		148,421.41			28-Apr-2005		7.700%		CT - 65.00%		Paid Off - 360		01-Jan-2005
711005001 1					148,421.41			28-Apr-2005		7.700%		CT - 65.00%		Paid Off - 360		01-Jan-2005
721005155 1			104,500.00		104,205.11			02-May-2005		7.800%		CA - 58.06%		Paid Off - 360		01-Jan-2005
721005155 1					104,205.11			02-May-2005		7.800%		CA - 58.06%		Paid Off - 360		01-Jan-2005
731007675 1			178,500.00		177,880.04			18-Apr-2005		6.750%		NC - 77.44%		Paid Off - 360		01-Jan-2005
731007675 1					177,880.04			18-Apr-2005		6.750%		NC - 77.44%		Paid Off - 360		01-Jan-2005
781001429 1			181,600.00		181,164.25			28-Apr-2005		8.600%		NY - 80.00%		Paid Off - 360		01-Jan-2005
781001429 1					181,164.25			28-Apr-2005		8.600%		NY - 80.00%		Paid Off - 360		01-Jan-2005
781001440 1			232,000.00		231,051.39			29-Apr-2005		5.900%		NJ - 87.55%		Paid Off - 360		01-Jan-2005
781001440 1					231,051.39			29-Apr-2005		5.900%		NJ - 87.55%		Paid Off - 360		01-Jan-2005
791000557 1			56,000.00		55,840.57			12-May-2005		8.450%		MO - 80.00%		Paid Off - 360		01-Jan-2005
791000557 1					55,840.57			12-May-2005		8.450%		MO - 80.00%		Paid Off - 360		01-Jan-2005
841001653 1			104,250.00		103,894.94			19-Apr-2005		8.100%		MI - 75.00%		Paid Off - 360		01-Dec-2004
841001653 1					103,894.94			19-Apr-2005		8.100%		MI - 75.00%		Paid Off - 360		01-Dec-2004
841001795 1			71,910.00		71,728.41			25-Apr-2005		8.350%		MI - 90.00%		Paid Off - 360		01-Jan-2005
841001795 1					71,728.41			25-Apr-2005		8.350%		MI - 90.00%		Paid Off - 360		01-Jan-2005


TOTAL			12,630,447.00		12,584,365.25
TOTAL


Page 17 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Realized Loss Report

COLLATERAL REALIZED LOSSES



															Total


Current
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
Cumulative



Number of Loans Liquidated														0
Collateral Realized Loss/(Gain) Amount														0.00
Net Liquidation Proceeds														0.00










Page 18 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 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
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 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
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Realized Loss Detail Report
Loan Number			Current		State &				Prior		Realized				Cumulative
															Cumulative
&		Loan	Note		LTV at		Original		Principal		Loss/(Gain)		Realized		Realized

Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)
Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)




TOTAL



Page 21 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Triggers and Adj. Cert. Report
TRIGGER EVENTS
TRIGGER EVENTS
														Total
						Trigger Event in effect (0=No , 1=Yes)								0
						Stepdown Date has occurred (0 = No, 1=Yes)								0
						Balances 60+ days includes Bankruptcy and Foreclosure								11,098,336.81
						Delinquency Percentage								0.3600%
						Balance of Mezzanine and C Class								146,096,619.00
						Ending Balance								774,703,352.04
						Credit Enhancement Percentage								21.0600%



ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK



ADDITIONAL INFORMATION

SPACE INTENTIONALLY LEFT BLANK




Page 22 of 23
Citigroup Mortgage Loan Trust 2005-OPT1

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT1

May 25, 2005 Distribution
Additional Certificate Report

ADDITIONAL CERTIFICATE REPORT

										Next Pass Through Rate			NET WAC Shortfall CarryOver		NET WAC Shortfall Paid
CLASS

			A-1A							3.18%			$0.00		$0.00
										3.18%			$0.00		$0.00
			A-1B							3.30%			$0.00		$0.00
										3.30%			$0.00		$0.00
			A-1C							3.44%			$0.00		$0.00
										3.44%			$0.00		$0.00
			M-1							3.51%			$0.00		$0.00
										3.51%			$0.00		$0.00
			M-2							3.53%			$0.00		$0.00
										3.53%			$0.00		$0.00
			M-3							3.56%			$0.00		$0.00
										3.56%			$0.00		$0.00
			M-4							3.79%			$0.00		$0.00
										3.79%			$0.00		$0.00
			M-5							3.82%			$0.00		$0.00
										3.82%			$0.00		$0.00
			M-6							3.85%			$0.00		$0.00
										3.85%			$0.00		$0.00
			M-7							4.33%			$0.00		$0.00
										4.33%			$0.00		$0.00
			M-8							4.38%			$0.00		$0.00
										4.38%			$0.00		$0.00
			M-9							5.34%			$0.00		$0.00
										5.34%			$0.00		$0.00
			M-10							5.34%			$0.00		$0.00
										5.34%			$0.00		$0.00
			CE							0.00%			$0.00		$0.00
										0.00%			$0.00		$0.00
			P							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






Page 23 of 23

CITIGROUP MORTGAGE LOAN TRUST INC SERIES 2005-OPT1 8-K