

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


                                Citigroup Mortgage Loan Trust Inc.
              (as Depositor under the Pooling and Servicing Agreement, dated as
               July 1, 2005, providing for the issuance of Asset Backed
                          Pass-Through Certificates, Series 2005-OPT3)
                      (Exact name of registrant as specified in charter)


                                         DELAWARE
                     (State or Other Jurisdiction of Incorporation)

               333-124036-03                        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
     October 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:  Oct 28, 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
               October 25, 2005.



Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution

				External Parties						Table of Contents

													Page
				Seller									Page
				Seller						1. Certificate Payment Report					2
				Citigroup						1. Certificate Payment Report					2
				Citigroup						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					20
										11. Realized Loss Detail Report					23
				Servicer(s)						11. Realized Loss Detail Report					23
				Servicer(s)						12. Triggers and Adj. Cert. Report					24
				Option One						12. Triggers and Adj. Cert. Report					24
				Option One						13. Additional Certificate Report					25
										13. Additional Certificate Report					25


				Underwriter(s)
				Citigroup


										Total Number of Pages					25
										Total Number of Pages

				Dates						Contacts

				Cut-Off Date:			July 01, 2005			Brent Hoyler
				Close Date:			July 07, 2005			Administrator
				First Distribution Date:			August 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:			October 25, 2005
										Factor Information:			(800) 735-7777
				Record Date:			September 30, 2005			Factor Information:			(800) 735-7777
										Main Phone Number:			(714) 247-6000

							October 24, 2005
							October 24, 2005

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






Page 1 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution
Certificate Payment Report
Current Period Distribution - REMIC II
					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	$	352,677,000.00		305,202,747.26		963,762.45		25,650,709.20		26,614,471.65		0.00		0.00		279,552,038.06
A-1A	SR	$	352,677,000.00		305,202,747.26		963,762.45		25,650,709.20		26,614,471.65		0.00		0.00		279,552,038.06
A-1B	SR	$	161,877,000.00		161,877,000.00		517,691.64		0.00		517,691.64		0.00		0.00		161,877,000.00
A-1C	SR	$	144,531,000.00		144,531,000.00		472,114.53		0.00		472,114.53		0.00		0.00		144,531,000.00
A-1D	SR	$	63,157,000.00		63,157,000.00		213,172.42		0.00		213,172.42		0.00		0.00		63,157,000.00
M-1	MEZ	$	41,284,000.00		41,284,000.00		141,672.93		0.00		141,672.93		0.00		0.00		41,284,000.00
M-2	MEZ	$	29,688,000.00		29,688,000.00		102,357.63		0.00		102,357.63		0.00		0.00		29,688,000.00
M-3	MEZ	$	17,627,000.00		17,627,000.00		61,199.96		0.00		61,199.96		0.00		0.00		17,627,000.00
M-4	MEZ	$	16,699,000.00		16,699,000.00		59,861.28		0.00		59,861.28		0.00		0.00		16,699,000.00
M-5	MEZ	$	15,308,000.00		15,308,000.00		55,244.87		0.00		55,244.87		0.00		0.00		15,308,000.00
M-6	MEZ	$	13,916,000.00		13,916,000.00		50,557.60		0.00		50,557.60		0.00		0.00		13,916,000.00
M-7	MEZ	$	12,988,000.00		12,988,000.00		52,103.53		0.00		52,103.53		0.00		0.00		12,988,000.00
M-8	MEZ	$	11,133,000.00		11,133,000.00		45,558.71		0.00		45,558.71		0.00		0.00		11,133,000.00
M-9	MEZ	$	7,422,000.00		7,422,000.00		33,062.95		0.00		33,062.95		0.00		0.00		7,422,000.00
M-10	NOF	$	6,030,000.00		6,030,000.00		28,319.23		0.00		28,319.23		0.00		0.00		6,030,000.00
M-11	NOF	$	9,277,000.00		9,277,000.00		43,568.40		0.00		43,568.40		0.00		0.00		9,277,000.00
CE	NOF	$	24,121,731.01		24,121,131.61		2,269,772.00		0.00		2,269,772.00		0.00		0.00		24,121,131.61
P	NOF	$	100.00		100.00		463,485.73		0.00		463,485.73		0.00		0.00		100.00
R	RES	$	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00

Total			927,735,831.01		880,260,978.87		5,573,505.86		25,650,709.20		31,224,215.06		0.00		0.00		854,610,269.67
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	09/26/05		10/24/05		A-Act/360		17307GSE9		352,677,000.00		865.388861		2.732706		72.731449		75.464155	792.657412
A-1B	09/26/05		10/24/05		A-Act/360		17307GSF6		161,877,000.00		1,000.000000		3.198056		0.000000		3.198056	1,000.000000
A-1C	09/26/05		10/24/05		A-Act/360		17307GSG4		144,531,000.00		1,000.000000		3.266528		0.000000		3.266528	1,000.000000
A-1D	09/26/05		10/24/05		A-Act/360		17307GSH2		63,157,000.00		1,000.000000		3.375278		0.000000		3.375278	1,000.000000
M-1	09/26/05		10/24/05		A-Act/360		17307GSJ8		41,284,000.00		1,000.000000		3.431667		0.000000		3.431667	1,000.000000
M-2	09/26/05		10/24/05		A-Act/360		17307GSK5		29,688,000.00		1,000.000000		3.447778		0.000000		3.447778	1,000.000000
M-3	09/26/05		10/24/05		A-Act/360		17307GSL3		17,627,000.00		1,000.000000		3.471944		0.000000		3.471944	1,000.000000
M-4	09/26/05		10/24/05		A-Act/360		17307GSM1		16,699,000.00		1,000.000000		3.584722		0.000000		3.584722	1,000.000000
M-5	09/26/05		10/24/05		A-Act/360		17307GSN9		15,308,000.00		1,000.000000		3.608889		0.000000		3.608889	1,000.000000
M-6	09/26/05		10/24/05		A-Act/360		17307GSP4		13,916,000.00		1,000.000000		3.633055		0.000000		3.633055	1,000.000000
M-7	09/26/05		10/24/05		A-Act/360		17307GSQ2		12,988,000.00		1,000.000000		4.011667		0.000000		4.011667	1,000.000000
M-8	09/26/05		10/24/05		A-Act/360		17307GSR0		11,133,000.00		1,000.000000		4.092222		0.000000		4.092222	1,000.000000
M-9	09/26/05		10/24/05		A-Act/360		17307GSS8		7,422,000.00		1,000.000000		4.454722		0.000000		4.454722	1,000.000000
M-10	09/26/05		10/24/05		A-Act/360		17307GSY5		6,030,000.00		1,000.000000		4.696390		0.000000		4.696390	1,000.000000
M-11	09/26/05		10/24/05		A-Act/360		17307GSZ2		9,277,000.00		1,000.000000		4.696389		0.000000		4.696389	1,000.000000
CE	09/01/05		09/30/05		A-30/360		CI05O301C		24,121,731.01		999.975151		94.096564		0.000000		94.096564	999.975151
P	09/01/05		09/30/05		F-30/360		CI05O301P		100.00		1,000.000000		4,634,857.300000		0.000000		4,634,857.300000	1,000.000000
R	09/01/05		09/30/05		A-30/360		CI05O301R		0.00		0.000000		0.000000		0.000000		0.000000	0.000000



Page 2 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution

Distribution to Date - REMIC II
																	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	352,677,000.00		3,701,206.45		71,395,503.71		1,729,458.23		73,124,961.94		76,826,168.39		0.00		0.00		279,552,038.06
A-1B	161,877,000.00		1,828,535.61		0.00		0.00		0.00		1,828,535.61		0.00		0.00		161,877,000.00
A-1C	144,531,000.00		1,670,136.00		0.00		0.00		0.00		1,670,136.00		0.00		0.00		144,531,000.00
A-1D	63,157,000.00		755,866.49		0.00		0.00		0.00		755,866.49		0.00		0.00		63,157,000.00
M-1	41,284,000.00		502,919.40		0.00		0.00		0.00		502,919.40		0.00		0.00		41,284,000.00
M-2	29,688,000.00		363,471.84		0.00		0.00		0.00		363,471.84		0.00		0.00		29,688,000.00
M-3	17,627,000.00		217,424.15		0.00		0.00		0.00		217,424.15		0.00		0.00		17,627,000.00
M-4	16,699,000.00		213,120.99		0.00		0.00		0.00		213,120.99		0.00		0.00		16,699,000.00
M-5	15,308,000.00		196,771.59		0.00		0.00		0.00		196,771.59		0.00		0.00		15,308,000.00
M-6	13,916,000.00		180,154.21		0.00		0.00		0.00		180,154.21		0.00		0.00		13,916,000.00
M-7	12,988,000.00		186,792.70		0.00		0.00		0.00		186,792.70		0.00		0.00		12,988,000.00
M-8	11,133,000.00		163,515.93		0.00		0.00		0.00		163,515.93		0.00		0.00		11,133,000.00
M-9	7,422,000.00		119,215.88		0.00		0.00		0.00		119,215.88		0.00		0.00		7,422,000.00
M-10	6,030,000.00		102,384.38		0.00		0.00		0.00		102,384.38		0.00		0.00		6,030,000.00
M-11	9,277,000.00		157,515.72		0.00		0.00		0.00		157,515.72		0.00		0.00		9,277,000.00
CE	24,121,731.01		5,401,158.65		584.61		14.79		599.40		5,401,758.05		0.00		0.00		24,121,131.61
P	100.00		1,069,360.51		0.00		0.00		0.00		1,069,360.51		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	927,735,831.01		16,829,550.50		71,396,088.32		1,729,473.02		73,125,561.34		89,955,111.84		0.00		0.00		854,610,269.67


Interest Detail - REMIC II
	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	3.92000%		305,202,747.26		963,762.45		0.00		0.00		0.00		963,762.45		963,762.45		0.00
A-1B	3.97000%		161,877,000.00		517,691.64		0.00		0.00		0.00		517,691.64		517,691.64		0.00
A-1C	4.05500%		144,531,000.00		472,114.53		0.00		0.00		0.00		472,114.53		472,114.53		0.00
A-1D	4.19000%		63,157,000.00		213,172.42		0.00		0.00		0.00		213,172.42		213,172.42		0.00
M-1	4.26000%		41,284,000.00		141,672.93		0.00		0.00		0.00		141,672.93		141,672.93		0.00
M-2	4.28000%		29,688,000.00		102,357.63		0.00		0.00		0.00		102,357.63		102,357.63		0.00
M-3	4.31000%		17,627,000.00		61,199.96		0.00		0.00		0.00		61,199.96		61,199.96		0.00
M-4	4.45000%		16,699,000.00		59,861.28		0.00		0.00		0.00		59,861.28		59,861.28		0.00
M-5	4.48000%		15,308,000.00		55,244.87		0.00		0.00		0.00		55,244.87		55,244.87		0.00
M-6	4.51000%		13,916,000.00		50,557.60		0.00		0.00		0.00		50,557.60		50,557.60		0.00
M-7	4.98000%		12,988,000.00		52,103.53		0.00		0.00		0.00		52,103.53		52,103.53		0.00
M-8	5.08000%		11,133,000.00		45,558.71		0.00		0.00		0.00		45,558.71		45,558.71		0.00
M-9	5.53000%		7,422,000.00		33,062.95		0.00		0.00		0.00		33,062.95		33,062.95		0.00
M-10	5.83000%		6,030,000.00		28,319.23		0.00		0.00		0.00		28,319.23		28,319.23		0.00
M-11	5.83000%		9,277,000.00		43,568.40		0.00		0.00		0.00		43,568.40		43,568.40		0.00
CE	0.00000%		24,121,131.61		0.00		0.00		0.00		0.00		0.00		2,269,772.00		0.00
P	0.00000%		100.00		0.00		0.00		0.00		0.00		0.00		463,485.73		0.00
R	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00

Total			880,260,978.87		2,840,248.13		0.00		0.00		0.00		2,840,248.13		5,573,505.86		0.00



Page 3 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
										Group 2		Group 1		Total
Principal Collections												25,650,709.20		25,650,709.20
Principal Withrawals												0.00		0.00
Principal Other Accounts												0.00		0.00
TOTAL NET PRINCIPAL												25,650,709.20		25,650,709.20
Interest Collections												5,260,923.97		5,260,923.97
Interest Withdrawals												-0.00		-0.00
Interest Other Accounts												463,485.73		463,485.73
Interest Fees												-150,903.84		-150,903.84
TOTAL NET INTEREST												5,573,505.86		5,573,505.86
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION												31,224,215.06		31,224,215.06



PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
											Group 2		Group 1		Total
Scheduled Principal Received													565,694.88		565,694.88
Prepayments In Full													25,048,307.02		25,048,307.02
Curtailments													36,707.30		36,707.30
Liquidations													0.00		0.00
Insurance Principal													0.00		0.00
Repurchased Principal Amounts													0.00		0.00
Other Principal													0.00		0.00
Total Realized Loss Of Principal													-0.00		-0.00
Delinquent Principal													-193,232.18		-193,232.18
Advanced Principal													193,232.18		193,232.18
TOTAL PRINCIPAL COLLECTED													25,650,709.20		25,650,709.20


PRINCIPAL - WITHDRAWALS

SPACE INTENTIONALLY LEFT BLANK



PRINCIPAL - OTHER ACCOUNTS
PRINCIPAL - OTHER ACCOUNTS
										Group 2		Group 1		Total
TOTAL OTHER ACCOUNTS PRINCIPAL												0.00		0.00





Page 4 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution

INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
										Group 2		Group 1		Total
Scheduled Interest												5,333,753.12		5,333,753.12
Liquidation Interest												0.00		0.00
Repurchased Interest												0.00		0.00
Insurance Interest												0.00		0.00
Other Interest												0.00		0.00
Relief Act Interest Shortfalls												-0.00		-0.00
Prepayment Interest Shortfalls												-14,009.03		-14,009.03
Compensating Interest												14,009.03		14,009.03
Delinquent Interest												-1,824,777.03		-1,824,777.03
Interest Advanced												1,751,947.87		1,751,947.87
TOTAL INTEREST COLLECTED												5,260,923.97		5,260,923.97


INTEREST - WITHDRAWALS
INTEREST - WITHDRAWALS
										Group 2		Group 1		Total
Nonrecoverable Advances														0.00
TOTAL INTEREST WITHDRAWALS												0.00		0.00



INTEREST - OTHER ACCOUNTS
INTEREST - OTHER ACCOUNTS
										Group 2		Group 1		Total
Prepayment Charges														463,485.73
TOTAL INTEREST OTHER ACCOUNTS												463,485.73		463,485.73



INTEREST - FEES
INTEREST - FEES
										Group 2		Group 1		Total
Current Servicing Fees												147,236.09		147,236.09
Current Trustee Fees												3,667.75		3,667.75
TOTAL INTEREST OTHER FEES												150,903.84		150,903.84




Page 5 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

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2005-OPT3

October 25, 2005 Distribution
Credit Enhancement Report

ACCOUNTS


RESERVE

Net Wac Carryover Reserve Account Deposit						0.00
Releases						0.00
Withdrawals						0.00




INSURANCE

SPACE INTENTIONALLY LEFT BLANK



STRUCTURAL FEATURES
STRUCTURAL FEATURES
										Group 2		Group 1		Total
Begining Overcollateralization Amount														24,121,131.61
Ending Overcollateralized Amount														24,121,131.61
Overcollateralization Release Amount														0.00
Overcollateralization Deficiency Amount														0.00
Overcollateralization Target Amount														24,121,131.61



Page 6 of 25
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Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution
Collateral Report


COLLATERAL



											Group 2		Group 1		Total



Loan Count:


Original												5,048		5,048
Prior												4,824		4,824
Prefunding												0		0
Scheduled Paid Offs												-0		-0
Full Voluntary Prepayments												-125		-125
Repurchases												-0		-0
Liquidations												-0		-0
Current												4,699		4,699
Principal Balance:


Original												927,735,825.05		927,735,825.05
Prior												880,260,978.87		880,260,978.87
Prefunding												0.00		0.00
Scheduled Principal												-565,694.88		-565,694.88
Partial Prepayments												-36,707.30		-36,707.30
Full Voluntary Prepayments												-25,048,307.02		-25,048,307.02
Repurchases												-0.00		-0.00
Liquidations												-0.00		-0.00
Current												854,610,269.67		854,610,269.67





PREFUNDING

SPACE INTENTIONALLY LEFT BLANK






Page 7 of 25
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2005-OPT3

October 25, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Coupon Original												7.28456%		7.28456%
Weighted Average Coupon Prior												7.27971%		7.27971%
Weighted Average Coupon Current												7.27114%		7.27114%
Weighted Average Months to Maturity Original												353		353
Weighted Average Months to Maturity Prior												352		352
Weighted Average Months to Maturity Current												351		351
Weighted Avg Remaining Amortization Term Original												353		353
Weighted Avg Remaining Amortization Term Prior												352		352
Weighted Avg Remaining Amortization Term Current												351		351
Weighted Average Seasoning Original												4.16		4.16
Weighted Average Seasoning Prior												5.16		5.16
Weighted Average Seasoning Current												6.16		6.16









Page 8 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

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2005-OPT3

October 25, 2005 Distribution

ARM CHARACTERISTICS
ARM CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Margin Original												5.34951%		5.34951%
Weighted Average Margin Prior												5.34502%		5.34502%
Weighted Average Margin Current												5.33491%		5.33491%
Weighted Average Max Rate Original												13.32046%		13.32046%
Weighted Average Max Rate Prior												13.31622%		13.31622%
Weighted Average Max Rate Current												13.30822%		13.30822%
Weighted Average Min Rate Original												7.31503%		7.31503%
Weighted Average Min Rate Prior												7.31064%		7.31064%
Weighted Average Min Rate Current												7.30248%		7.30248%
Weighted Average Cap Up Original												1.00246%		1.00246%
Weighted Average Cap Up Prior												1.00253%		1.00253%
Weighted Average Cap Up Current												1.00251%		1.00251%
Weighted Average Cap Down Original												1.00246%		1.00246%
Weighted Average Cap Down Prior												1.00253%		1.00253%
Weighted Average Cap Down Current												1.00251%		1.00251%




SERVICING FEES & ADVANCES

											Group 2		Group 1		Total




Current Servicing Fees												147,236.09		147,236.09
Delinquent Servicing Fees												72,829.16		72,829.16
TOTAL SERVICING FEES												220,065.25		220,065.25


Compensating Interest												-14,009.03		-14,009.03
Delinquent Servicing Fees												-72,829.16		-72,829.16
COLLECTED SERVICING FEES												133,227.06		133,227.06


Aggregate Advances with respect to this Distribution												1,945,180.05		1,945,180.05





ADDITIONAL COLLATERAL INFORMATION
										Group 2		Group 1		Total
Net Prepayment Interest Shortfall												0.00		0.00
Libor For Current Period														3.8300%




Page 9 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

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Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				10,564,466.29		874,028.29		252,025.18		11,690,519.76
			% Balance				1.24%		0.10%		0.03%		1.37%
			# Loans				58		5		1		64
			% # Loans				1.23%		0.11%		0.02%		1.36%
	FORECLOSURE		Balance		0.00		593,928.20		0.00		0.00		593,928.20
			% Balance		0.00%		0.07%		0.00%		0.00%		0.07%
			# Loans		0		4		0		0		4
			% # Loans		0.00%		0.09%		0.00%		0.00%		0.09%
	BANKRUPTCY		Balance		857,512.35		151,879.49		407,297.44		0.00		1,416,689.28
			% Balance		0.10%		0.02%		0.05%		0.00%		0.17%
			# Loans		7		2		1		0		10
			% # Loans		0.15%		0.04%		0.02%		0.00%		0.21%
	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		857,512.35		11,310,273.98		1,281,325.73		252,025.18		13,701,137.24
			% Balance		0.10%		1.32%		0.15%		0.03%		1.60%
			# Loans		7		64		6		1		78
			% # Loans		0.15%		1.36%		0.13%		0.02%		1.66%









Page 10 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

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Mortgage Pass-Through Certificates
2005-OPT3

October 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 25
Citigroup Mortgage Loan Trust 2005-OPT3

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2005-OPT3

October 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
11073889 1
11073889 1			228,000.00		226,741.49		01-Jul-2005		7.300%		CA - 80.00%		360		01-Apr-2005

141045761 1			125,000.00		124,374.98		01-Jul-2005		6.990%		CT - 31.25%		360		01-May-2005
351023700 1			127,500.00		127,153.73		01-Jul-2005		9.990%		TX - 75.00%		360		01-May-2005
361023552 1			116,000.00		115,658.00		01-Jul-2005		9.600%		IL - 75.82%		360		01-May-2005


TOTAL			596,500.00		593,928.20


Page 12 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

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2005-OPT3

October 25, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

											Group 2		Group 1		Total




Current


Number of Paid in Full Loans												125		125
Number of Repurchased Loans												0		0
Total Number of Loans Prepaid in Full												125		125
Curtailments Amount												36,707.30		36,707.30
Paid in Full Balance												25,048,307.02		25,048,307.02
Repurchased Loans Balance												0.00		0.00
Total Prepayment Amount												25,085,014.32		25,085,014.32

Cumulative


Number of Paid in Full Loans												349		349
Number of Repurchased Loans												0		0
Total Number of Loans Prepaid in Full												349		349
Paid in Full Balance												71,243,473.58		71,243,473.58
Repurchased Loans Balance												0.00		0.00
Curtailments Amount												152,614.74		152,614.74
Total Prepayment Amount												71,396,088.32		71,396,088.32










Page 13 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

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Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

											Group 2		Group 1		Total



SMM												2.85%		2.85%
3 Months Avg SMM												2.64%		2.64%
12 Months Avg SMM												2.64%		2.64%
Avg SMM Since Cut-off												2.64%		2.64%


CPR												29.33%		29.33%
3 Months Avg CPR												27.44%		27.44%
12 Months Avg CPR												27.44%		27.44%
Avg CPR Since Cut-off												27.44%		27.44%


PSA												2,381.40%		2,381.40%
3 Months Avg PSA Approximation												2,659.41%		2,659.41%
12 Months Avg PSA Approximation												2,659.41%		2,659.41%
Avg PSA Since Cut-off Approximation												2,659.42%		2,659.42%










Page 14 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

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2005-OPT3

October 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 25
Citigroup Mortgage Loan Trust 2005-OPT3

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Mortgage Pass-Through Certificates
2005-OPT3

October 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

11073979 1			147,000.00		146,389.25			19-Sep-2005		6.990%		CA - 60.00%		Paid Off - 360		01-May-2005
			147,000.00

11074022 1			202,500.00		201,652.10			21-Sep-2005		6.950%		CA - 88.04%		Paid Off - 360		01-May-2005
11074022 1					201,652.10			21-Sep-2005		6.950%		CA - 88.04%		Paid Off - 360		01-May-2005
11074112 1			236,000.00		235,244.84			06-Oct-2005		8.300%		CA - 74.92%		Paid Off - 360		01-May-2005
11074112 1					235,244.84			06-Oct-2005		8.300%		CA - 74.92%		Paid Off - 360		01-May-2005
11074203 1			140,000.00		139,569.89			22-Sep-2005		8.500%		WA - 80.00%		Paid Off - 360		01-May-2005
11074203 1					139,569.89			22-Sep-2005		8.500%		WA - 80.00%		Paid Off - 360		01-May-2005
11074275 1			67,550.00		67,374.00			30-Sep-2005		9.300%		CA - 85.00%		Paid Off - 360		01-May-2005
11074275 1					67,374.00			30-Sep-2005		9.300%		CA - 85.00%		Paid Off - 360		01-May-2005
11074330 1			327,000.00		325,505.85			20-Sep-2005		6.500%		CA - 63.50%		Paid Off - 360		01-May-2005
11074330 1					325,505.85			20-Sep-2005		6.500%		CA - 63.50%		Paid Off - 360		01-May-2005
11074438 1			220,500.00		219,772.65			03-Oct-2005		8.150%		CA - 70.00%		Paid Off - 360		01-May-2005
11074438 1					219,772.65			03-Oct-2005		8.150%		CA - 70.00%		Paid Off - 360		01-May-2005
21063054 1			496,000.00		495,868.85			14-Oct-2005		5.950%		CA - 80.00%		Paid Off - 360		01-May-2005
21063054 1					495,868.85			14-Oct-2005		5.950%		CA - 80.00%		Paid Off - 360		01-May-2005
21063111 1			285,000.00		283,874.86			19-Sep-2005		7.250%		CA - 88.37%		Paid Off - 360		01-May-2005
21063111 1					283,874.86			19-Sep-2005		7.250%		CA - 88.37%		Paid Off - 360		01-May-2005
21063125 1			280,000.00		280,000.00			06-Oct-2005		6.550%		CA - 84.85%		Paid Off - 360		01-May-2005
21063125 1					280,000.00			06-Oct-2005		6.550%		CA - 84.85%		Paid Off - 360		01-May-2005
21063230 1			640,000.00		638,514.22			28-Sep-2005		9.850%		HI - 80.00%		Paid Off - 360		01-May-2005
21063230 1					638,514.22			28-Sep-2005		9.850%		HI - 80.00%		Paid Off - 360		01-May-2005
21063286 1			369,000.00		367,162.34			06-Oct-2005		6.050%		CA - 59.52%		Paid Off - 360		01-May-2005
21063286 1					367,162.34			06-Oct-2005		6.050%		CA - 59.52%		Paid Off - 360		01-May-2005
31031418 1			436,500.00		436,500.00			13-Oct-2005		6.800%		CA - 90.00%		Paid Off - 360		01-Apr-2005
31031418 1					436,500.00			13-Oct-2005		6.800%		CA - 90.00%		Paid Off - 360		01-Apr-2005
31032706 1			406,800.00		405,587.96			03-Oct-2005		8.650%		CA - 71.37%		Paid Off - 360		01-May-2005
31032706 1					405,587.96			03-Oct-2005		8.650%		CA - 71.37%		Paid Off - 360		01-May-2005
31033266 1			180,000.00		179,110.37			23-Sep-2005		6.090%		CA - 42.86%		Paid Off - 360		01-May-2005
31033266 1					179,110.37			23-Sep-2005		6.090%		CA - 42.86%		Paid Off - 360		01-May-2005
41065517 1			129,000.00		128,690.89			03-Oct-2005		9.700%		IL - 58.90%		Paid Off - 360		01-May-2005
41065517 1					128,690.89			03-Oct-2005		9.700%		IL - 58.90%		Paid Off - 360		01-May-2005
41065807 1			54,000.00		53,859.34			30-Sep-2005		9.300%		IN - 100.00%		Paid Off - 360		01-May-2005
41065807 1					53,859.34			30-Sep-2005		9.300%		IN - 100.00%		Paid Off - 360		01-May-2005
51056097 1			65,100.00		64,980.39			03-Oct-2005		11.150%		GA - 70.00%		Paid Off - 360		01-May-2005
51056097 1					64,980.39			03-Oct-2005		11.150%		GA - 70.00%		Paid Off - 360		01-May-2005
51056108 1			115,260.00		114,950.25			22-Sep-2005		9.150%		GA - 85.00%		Paid Off - 360		01-May-2005
51056108 1					114,950.25			22-Sep-2005		9.150%		GA - 85.00%		Paid Off - 360		01-May-2005
71064893 1			137,520.00		137,520.00			04-Oct-2005		6.750%		FL - 80.00%		Paid Off - 360		01-May-2005
71064893 1					137,520.00			04-Oct-2005		6.750%		FL - 80.00%		Paid Off - 360		01-May-2005
71065108 1			90,000.00		89,697.07			16-Sep-2005		8.050%		FL - 47.37%		Paid Off - 360		01-May-2005
71065108 1					89,697.07			16-Sep-2005		8.050%		FL - 47.37%		Paid Off - 360		01-May-2005
71065178 1			100,000.00		99,568.83			03-Oct-2005		6.800%		FL - 46.51%		Paid Off - 360		01-May-2005
71065178 1					99,568.83			03-Oct-2005		6.800%		FL - 46.51%		Paid Off - 360		01-May-2005
71065352 1			189,000.00		188,350.94			10-Oct-2005		7.950%		FL - 90.00%		Paid Off - 360		01-May-2005
71065352 1					188,350.94			10-Oct-2005		7.950%		FL - 90.00%		Paid Off - 360		01-May-2005
81053462 1			191,750.00		191,148.24			21-Sep-2005		9.300%		MD - 65.00%		Paid Off - 360		01-Apr-2005
81053462 1					191,148.24			21-Sep-2005		9.300%		MD - 65.00%		Paid Off - 360		01-Apr-2005
81053969 1			342,810.00		340,983.59			29-Sep-2005		7.000%		MD - 90.00%		Paid Off - 360		01-Apr-2005
81053969 1					340,983.59			29-Sep-2005		7.000%		MD - 90.00%		Paid Off - 360		01-Apr-2005
81054434 1			212,000.00		211,002.49			07-Oct-2005		7.300%		VA - 100.00%		Paid Off - 360		01-Apr-2005
81054434 1					211,002.49			07-Oct-2005		7.300%		VA - 100.00%		Paid Off - 360		01-Apr-2005
81054512 1			147,750.00		147,026.93			29-Sep-2005		7.100%		VA - 75.00%		Paid Off - 360		01-Apr-2005
81054512 1					147,026.93			29-Sep-2005		7.100%		VA - 75.00%		Paid Off - 360		01-Apr-2005
81054985 1			489,000.00		487,000.98			03-Oct-2005		7.640%		VA - 79.90%		Paid Off - 360		01-May-2005
81054985 1					487,000.98			03-Oct-2005		7.640%		VA - 79.90%		Paid Off - 360		01-May-2005
101046477 1			72,000.00		71,754.71			16-Sep-2005		7.990%		TX - 77.42%		Paid Off - 360		01-May-2005
101046477 1					71,754.71			16-Sep-2005		7.990%		TX - 77.42%		Paid Off - 360		01-May-2005
101046494 1			153,600.00		152,863.67			29-Sep-2005		6.250%		TX - 80.00%		Paid Off - 360		01-May-2005
101046494 1					152,863.67			29-Sep-2005		6.250%		TX - 80.00%		Paid Off - 360		01-May-2005
101046643 1			71,250.00		70,866.97			12-Oct-2005		7.990%		TX - 95.00%		Paid Off - 360		01-May-2005
101046643 1					70,866.97			12-Oct-2005		7.990%		TX - 95.00%		Paid Off - 360		01-May-2005
101046689 1			55,000.00		54,827.55			26-Sep-2005		8.400%		FL - 56.70%		Paid Off - 360		01-May-2005
101046689 1					54,827.55			26-Sep-2005		8.400%		FL - 56.70%		Paid Off - 360		01-May-2005
121037992 1			110,400.00		109,953.60			05-Oct-2005		7.600%		WI - 80.00%		Paid Off - 360		01-May-2005
121037992 1					109,953.60			05-Oct-2005		7.600%		WI - 80.00%		Paid Off - 360		01-May-2005
121038517 1			185,000.00		184,381.23			04-Oct-2005		8.100%		WI - 77.08%		Paid Off - 360		01-May-2005
121038517 1					184,381.23			04-Oct-2005		8.100%		WI - 77.08%		Paid Off - 360		01-May-2005
121038815 1			179,840.00		179,170.95			27-Sep-2005		7.550%		WI - 80.00%		Paid Off - 360		01-May-2005
121038815 1					179,170.95			27-Sep-2005		7.550%		WI - 80.00%		Paid Off - 360		01-May-2005
121038954 1			119,440.00		119,013.03			30-Sep-2005		7.750%		WI - 80.00%		Paid Off - 360		01-May-2005
121038954 1					119,013.03			30-Sep-2005		7.750%		WI - 80.00%		Paid Off - 360		01-May-2005
121038983 1			96,999.00		96,665.85			27-Sep-2005		7.950%		IA - 79.51%		Paid Off - 360		01-May-2005
121038983 1					96,665.85					7.950%		IA - 79.51%		Paid Off - 360


Page 16 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 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

131030547 1			87,000.00		86,650.95			30-Sep-2005		8.100%		OH - 82.86%		Paid Off - 360		01-Apr-2005
			87,000.00

131031435 1			117,800.00		117,325.69			26-Sep-2005		7.150%		OH - 80.00%		Paid Off - 360		01-May-2005
131031435 1					117,325.69			26-Sep-2005		7.150%				Paid Off - 360		01-May-2005
131031662 1			72,750.00		72,647.26			27-Sep-2005		12.150%		KY - 75.00%		Paid Off - 360		01-May-2005
131031662 1					72,647.26			27-Sep-2005		12.150%		KY - 75.00%		Paid Off - 360		01-May-2005
141045686 1			135,000.00		134,458.37			06-Oct-2005		8.100%		MA - 86.26%		Paid Off - 360		01-Apr-2005
141045686 1					134,458.37			06-Oct-2005		8.100%		MA - 86.26%		Paid Off - 360		01-Apr-2005
141045994 1			212,000.00		211,058.93			06-Oct-2005		6.650%		NJ - 59.72%		Paid Off - 360		01-May-2005
141045994 1					211,058.93			06-Oct-2005		6.650%		NJ - 59.72%		Paid Off - 360		01-May-2005
141046221 1			518,000.00		515,563.87			14-Oct-2005		6.350%		NY - 47.09%		Paid Off - 360		01-May-2005
141046221 1					515,563.87			14-Oct-2005		6.350%		NY - 47.09%		Paid Off - 360		01-May-2005
151027868 1			106,318.00		105,109.51			21-Sep-2005		6.250%		PA - 21.26%		Paid Off - 360		01-May-2005
151027868 1					105,109.51			21-Sep-2005		6.250%		PA - 21.26%		Paid Off - 360		01-May-2005
151028068 1			260,000.00		259,098.08			21-Sep-2005		7.900%		PA - 80.00%		Paid Off - 360		01-May-2005
151028068 1					259,098.08			21-Sep-2005		7.900%		PA - 80.00%		Paid Off - 360		01-May-2005
161040166 1			170,000.00		169,341.99			26-Sep-2005		7.350%		MA - 56.67%		Paid Off - 360		01-May-2005
161040166 1					169,341.99			26-Sep-2005		7.350%		MA - 56.67%		Paid Off - 360		01-May-2005
161040172 1			93,600.00		93,263.69			14-Oct-2005		7.725%		NH - 80.00%		Paid Off - 360		01-May-2005
161040172 1					93,263.69			14-Oct-2005		7.725%		NH - 80.00%		Paid Off - 360		01-May-2005
161040483 1			252,000.00		250,720.97			21-Sep-2005		5.950%		MA - 70.99%		Paid Off - 360		01-May-2005
161040483 1					250,720.97			21-Sep-2005		5.950%		MA - 70.99%		Paid Off - 360		01-May-2005
191023498 1			114,400.00		113,992.84			30-Sep-2005		8.690%		WA - 80.00%		Paid Off - 360		01-Apr-2005
191023498 1					113,992.84			30-Sep-2005		8.690%		WA - 80.00%		Paid Off - 360		01-Apr-2005
191023754 1			212,500.00		211,592.66			14-Oct-2005		6.850%		WA - 85.00%		Paid Off - 360		01-May-2005
191023754 1					211,592.66			14-Oct-2005		6.850%		WA - 85.00%		Paid Off - 360		01-May-2005
191024061 1			130,000.00		129,333.92			22-Sep-2005		5.900%		VA - 81.25%		Paid Off - 360		01-May-2005
191024061 1					129,333.92			22-Sep-2005		5.900%		VA - 81.25%		Paid Off - 360		01-May-2005
211027914 1			121,500.00		121,082.57			19-Sep-2005		8.550%		MD - 90.00%		Paid Off - 360		01-May-2005
211027914 1					121,082.57			19-Sep-2005		8.550%		MD - 90.00%		Paid Off - 360		01-May-2005
231062717 1			156,800.00		156,800.00			14-Oct-2005		6.050%		RI - 80.00%		Paid Off - 360		01-May-2005
231062717 1					156,800.00			14-Oct-2005		6.050%		RI - 80.00%		Paid Off - 360		01-May-2005
231063005 1			375,000.00		373,398.84			22-Sep-2005		6.850%		MA - 48.51%		Paid Off - 360		01-May-2005
231063005 1					373,398.84			22-Sep-2005		6.850%		MA - 48.51%		Paid Off - 360		01-May-2005
231063011 1			257,040.00		256,258.34			13-Oct-2005		8.550%		NJ - 80.00%		Paid Off - 360		01-May-2005
231063011 1					256,258.34			13-Oct-2005		8.550%		NJ - 80.00%		Paid Off - 360		01-May-2005
231063670 1			157,500.00		156,884.32			30-Sep-2005		7.300%		PA - 90.00%		Paid Off - 360		01-May-2005
231063670 1					156,884.32			30-Sep-2005		7.300%		PA - 90.00%		Paid Off - 360		01-May-2005
231063775 1			232,750.00		231,981.63			28-Sep-2005		8.150%		NJ - 95.00%		Paid Off - 360		01-May-2005
231063775 1					231,981.63			28-Sep-2005		8.150%		NJ - 95.00%		Paid Off - 360		01-May-2005
231064336 1			325,000.00		323,612.34			06-Oct-2005		6.850%		NJ - 79.27%		Paid Off - 360		01-May-2005
231064336 1					323,612.34			06-Oct-2005		6.850%		NJ - 79.27%		Paid Off - 360		01-May-2005
261051267 1			393,750.00		393,011.50			06-Oct-2005		10.850%		FL - 75.00%		Paid Off - 360		01-May-2005
261051267 1					393,011.50			06-Oct-2005		10.850%		FL - 75.00%		Paid Off - 360		01-May-2005
271021026 1			68,000.00		67,876.52			30-Sep-2005		11.000%		CA - 81.95%		Paid Off - 360		01-May-2005
271021026 1					67,876.52			30-Sep-2005		11.000%		CA - 81.95%		Paid Off - 360		01-May-2005
271021205 1			180,000.00		179,441.33			14-Oct-2005		8.450%		FL - 90.00%		Paid Off - 360		01-May-2005
271021205 1					179,441.33			14-Oct-2005		8.450%		FL - 90.00%		Paid Off - 360		01-May-2005
291000061 1			160,200.00		159,702.77			27-Sep-2005		8.450%		FL - 90.00%		Paid Off - 360		01-May-2005
291000061 1					159,702.77			27-Sep-2005		8.450%		FL - 90.00%		Paid Off - 360		01-May-2005
301001029 1			87,120.00		87,120.00			07-Oct-2005		6.700%		ID - 80.00%		Paid Off - 360		01-May-2005
301001029 1					87,120.00			07-Oct-2005		6.700%		ID - 80.00%		Paid Off - 360		01-May-2005
311026709 1			192,000.00		191,202.31			27-Sep-2005		6.990%		NJ - 80.00%		Paid Off - 360		01-May-2005
311026709 1					191,202.31			27-Sep-2005		6.990%		NJ - 80.00%		Paid Off - 360		01-May-2005
321023933 1			101,700.00		101,000.68			11-Oct-2005		6.150%		CO - 63.96%		Paid Off - 360		01-Mar-2005
321023933 1					101,000.68			11-Oct-2005		6.150%		CO - 63.96%		Paid Off - 360		01-Mar-2005
321024817 1			96,080.00		95,739.95			10-Oct-2005		7.800%		CO - 80.00%		Paid Off - 360		01-May-2005
321024817 1					95,739.95			10-Oct-2005		7.800%		CO - 80.00%		Paid Off - 360		01-May-2005
331034792 1			216,000.00		216,000.00			03-Oct-2005		7.100%		NJ - 72.73%		Paid Off - 360		01-May-2005
331034792 1					216,000.00			03-Oct-2005		7.100%		NJ - 72.73%		Paid Off - 360		01-May-2005
331035161 1			525,000.00		522,687.59			03-Oct-2005		6.690%		NY - 69.17%		Paid Off - 360		01-May-2005
331035161 1					522,687.59			03-Oct-2005		6.690%		NY - 69.17%		Paid Off - 360		01-May-2005
331035378 1			156,000.00		155,566.61			16-Sep-2005		8.990%		NJ - 63.67%		Paid Off - 360		01-May-2005
331035378 1					155,566.61			16-Sep-2005		8.990%		NJ - 63.67%		Paid Off - 360		01-May-2005
341022419 1			63,400.00		63,092.76			29-Sep-2005		7.150%		NC - 53.73%		Paid Off - 360		01-Apr-2005
341022419 1					63,092.76			29-Sep-2005		7.150%		NC - 53.73%		Paid Off - 360		01-Apr-2005
341023236 1			100,001.00		100,001.00			05-Oct-2005		6.900%		NC - 90.91%		Paid Off - 360		01-Apr-2005
341023236 1					100,001.00			05-Oct-2005		6.900%		NC - 90.91%		Paid Off - 360		01-Apr-2005
341023387 1			106,250.00		105,884.34			28-Sep-2005		7.940%		SC - 85.00%		Paid Off - 360		01-May-2005
341023387 1					105,884.34			28-Sep-2005		7.940%		SC - 85.00%		Paid Off - 360		01-May-2005
341023618 1			101,700.00		101,387.49			21-Sep-2005		8.500%		NC - 90.00%		Paid Off - 360		01-May-2005
341023618 1					101,387.49			21-Sep-2005		8.500%		NC - 90.00%		Paid Off - 360		01-May-2005
351024533 1			157,400.00		156,460.15			29-Sep-2005		6.250%		TX - 73.90%		Paid Off - 360		01-May-2005
351024533 1					156,460.15			29-Sep-2005		6.250%		TX - 73.90%		Paid Off - 360		01-May-2005
371024717 1			126,400.00		126,006.88			14-Oct-2005		8.440%		FL - 80.00%		Paid Off - 360		01-May-2005
371024717 1					126,006.88					8.440%		FL - 80.00%		Paid Off - 360


Page 17 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 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

371024922 1			77,400.00		77,103.37			13-Oct-2005		7.400%		FL - 90.00%		Paid Off - 360		01-May-2005
			77,400.00

381019997 1			127,250.00		126,735.10			16-Sep-2005		7.125%		FL - 68.41%		Paid Off - 360		01-May-2005
381019997 1					126,735.10			16-Sep-2005		7.125%		FL - 68.41%		Paid Off - 360		01-May-2005
381020086 1			225,000.00		223,837.98			07-Oct-2005		6.050%		MA - 75.00%		Paid Off - 360		01-May-2005
381020086 1					223,837.98			07-Oct-2005		6.050%		MA - 75.00%		Paid Off - 360		01-May-2005
381020107 1			150,000.00		149,179.19			05-Oct-2005		5.550%		RI - 50.00%		Paid Off - 360		01-May-2005
381020107 1					149,179.19			05-Oct-2005		5.550%		RI - 50.00%		Paid Off - 360		01-May-2005
381020240 1			100,000.00		99,728.43			03-Oct-2005		9.100%		MA - 80.00%		Paid Off - 360		01-May-2005
381020240 1					99,728.43			03-Oct-2005		9.100%		MA - 80.00%		Paid Off - 360		01-May-2005
401000526 1			178,500.00		178,500.00			29-Sep-2005		7.150%		AZ - 85.00%		Paid Off - 360		01-May-2005
401000526 1					178,500.00			29-Sep-2005		7.150%		AZ - 85.00%		Paid Off - 360		01-May-2005
551004653 1			250,000.00		248,595.32			03-Oct-2005		8.000%		TX - 65.79%		Paid Off - 360		01-May-2005
551004653 1					248,595.32			03-Oct-2005		8.000%		TX - 65.79%		Paid Off - 360		01-May-2005
551005414 1			240,000.00		239,004.81			19-Sep-2005		7.000%		TX - 80.00%		Paid Off - 360		01-May-2005
551005414 1					239,004.81			19-Sep-2005		7.000%		TX - 80.00%		Paid Off - 360		01-May-2005
581000357 1			428,400.00		426,506.88			29-Sep-2005		7.900%		CA - 85.00%		Paid Off - 360		01-May-2005
581000357 1					426,506.88			29-Sep-2005		7.900%		CA - 85.00%		Paid Off - 360		01-May-2005
581000378 1			315,200.00		313,773.60			29-Sep-2005		6.550%		WA - 80.00%		Paid Off - 360		01-May-2005
581000378 1					313,773.60			29-Sep-2005		6.550%		WA - 80.00%		Paid Off - 360		01-May-2005
621006820 1			146,000.00		145,478.09			04-Oct-2005		7.750%		FL - 79.35%		Paid Off - 360		01-May-2005
621006820 1					145,478.09			04-Oct-2005		7.750%		FL - 79.35%		Paid Off - 360		01-May-2005
621006839 1			220,000.00		218,697.93			05-Oct-2005		6.740%		FL - 77.19%		Paid Off - 360		01-May-2005
621006839 1					218,697.93			05-Oct-2005		6.740%		FL - 77.19%		Paid Off - 360		01-May-2005
621007047 1			80,000.00		79,126.45			04-Oct-2005		7.400%		FL - 66.67%		Paid Off - 360		01-May-2005
621007047 1					79,126.45			04-Oct-2005		7.400%		FL - 66.67%		Paid Off - 360		01-May-2005
621007090 1			413,000.00		411,754.29			03-Oct-2005		8.590%		FL - 89.98%		Paid Off - 360		01-May-2005
621007090 1					411,754.29			03-Oct-2005		8.590%		FL - 89.98%		Paid Off - 360		01-May-2005
621007319 1			160,000.00		159,444.96			12-Oct-2005		7.900%		FL - 80.00%		Paid Off - 360		01-May-2005
621007319 1					159,444.96			12-Oct-2005		7.900%		FL - 80.00%		Paid Off - 360		01-May-2005
631006732 1			138,000.00		137,375.48			16-Sep-2005		6.550%		CA - 57.50%		Paid Off - 360		01-May-2005
631006732 1					137,375.48			16-Sep-2005		6.550%		CA - 57.50%		Paid Off - 360		01-May-2005
631006787 1			468,750.00		468,750.00			22-Sep-2005		5.790%		CA - 75.00%		Paid Off - 360		01-May-2005
631006787 1					468,750.00			22-Sep-2005		5.790%		CA - 75.00%		Paid Off - 360		01-May-2005
631006954 1			105,000.00		104,746.29			22-Sep-2005		9.700%		CA - 57.11%		Paid Off - 360		01-May-2005
631006954 1					104,746.29			22-Sep-2005		9.700%		CA - 57.11%		Paid Off - 360		01-May-2005
641007393 1			270,000.00		268,921.62			10-Oct-2005		8.300%		TX - 67.50%		Paid Off - 360		01-Apr-2005
641007393 1					268,921.62			10-Oct-2005		8.300%		TX - 67.50%		Paid Off - 360		01-Apr-2005
661005076 1			437,750.00		437,750.00			13-Oct-2005		6.990%		CA - 85.00%		Paid Off - 360		01-Apr-2005
661005076 1					437,750.00			13-Oct-2005		6.990%		CA - 85.00%		Paid Off - 360		01-Apr-2005
661005264 1			230,733.60		230,733.60			28-Sep-2005		6.200%		CA - 80.00%		Paid Off - 360		01-May-2005
661005264 1					230,733.60			28-Sep-2005		6.200%		CA - 80.00%		Paid Off - 360		01-May-2005
661005436 1			267,750.00		266,811.81			22-Sep-2005		7.850%		CA - 85.00%		Paid Off - 360		01-May-2005
661005436 1					266,811.81			22-Sep-2005		7.850%		CA - 85.00%		Paid Off - 360		01-May-2005
661005437 1			55,000.00		54,794.50			11-Oct-2005		8.500%		CA - 67.77%		Paid Off - 360		01-Apr-2005
661005437 1					54,794.50			11-Oct-2005		8.500%		CA - 67.77%		Paid Off - 360		01-Apr-2005
661005578 1			64,000.00		63,854.55			04-Oct-2005		9.950%		IA - 80.00%		Paid Off - 360		01-May-2005
661005578 1					63,854.55			04-Oct-2005		9.950%		IA - 80.00%		Paid Off - 360		01-May-2005
661005734 1			268,100.00		266,909.94			30-Sep-2005		6.650%		CA - 72.46%		Paid Off - 360		01-May-2005
661005734 1					266,909.94			30-Sep-2005		6.650%		CA - 72.46%		Paid Off - 360		01-May-2005
661005824 1			357,000.00		357,000.00			29-Sep-2005		7.850%		CA - 85.00%		Paid Off - 360		01-May-2005
661005824 1					357,000.00			29-Sep-2005		7.850%		CA - 85.00%		Paid Off - 360		01-May-2005
661005838 1			228,000.00		227,142.68			06-Oct-2005		7.500%		CA - 80.00%		Paid Off - 360		01-May-2005
661005838 1					227,142.68			06-Oct-2005		7.500%		CA - 80.00%		Paid Off - 360		01-May-2005
661006004 1			297,000.00		296,599.06			28-Sep-2005		5.600%		CA - 90.00%		Paid Off - 360		01-May-2005
661006004 1					296,599.06			28-Sep-2005		5.600%		CA - 90.00%		Paid Off - 360		01-May-2005
671002382 1			119,000.00		118,481.94			19-Sep-2005		6.750%		CA - 70.00%		Paid Off - 360		01-May-2005
671002382 1					118,481.94			19-Sep-2005		6.750%		CA - 70.00%		Paid Off - 360		01-May-2005
671002881 1			408,000.00		407,949.46			30-Sep-2005		6.450%		CA - 85.00%		Paid Off - 360		01-May-2005
671002881 1					407,949.46			30-Sep-2005		6.450%		CA - 85.00%		Paid Off - 360		01-May-2005
671002949 1			198,750.00		197,750.76			23-Sep-2005		6.000%		CA - 75.00%		Paid Off - 360		01-May-2005
671002949 1					197,750.76			23-Sep-2005		6.000%		CA - 75.00%		Paid Off - 360		01-May-2005
671003279 1			206,250.00		205,497.84			23-Sep-2005		7.650%		CA - 75.00%		Paid Off - 360		01-May-2005
671003279 1					205,497.84			23-Sep-2005		7.650%		CA - 75.00%		Paid Off - 360		01-May-2005
671003451 1			50,000.00		49,656.27			16-Sep-2005		9.850%		CA - 79.71%		Paid Off - 240		01-May-2005
671003451 1					49,656.27			16-Sep-2005		9.850%		CA - 79.71%		Paid Off - 240		01-May-2005
681005279 1			324,800.00		323,661.92			12-Oct-2005		7.850%		MA - 80.00%		Paid Off - 360		01-May-2005
681005279 1					323,661.92			12-Oct-2005		7.850%		MA - 80.00%		Paid Off - 360		01-May-2005
691002718 1			200,000.00		198,941.98			07-Oct-2005		6.700%		VA - 80.00%		Paid Off - 360		01-Apr-2005
691002718 1					198,941.98			07-Oct-2005		6.700%		VA - 80.00%		Paid Off - 360		01-Apr-2005
691002770 1			261,000.00		260,425.31			07-Oct-2005		10.100%		MD - 90.00%		Paid Off - 360		01-May-2005
691002770 1					260,425.31			07-Oct-2005		10.100%		MD - 90.00%		Paid Off - 360		01-May-2005
691002775 1			90,000.00		89,723.50			27-Sep-2005		8.500%		MD - 40.09%		Paid Off - 360		01-May-2005
691002775 1					89,723.50			27-Sep-2005		8.500%		MD - 40.09%		Paid Off - 360		01-May-2005
691002959 1			170,000.00		169,479.75			28-Sep-2005		8.550%		MD - 62.27%		Paid Off - 360		01-May-2005
691002959 1					169,479.75					8.550%		MD - 62.27%		Paid Off - 360


Page 18 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 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

701000126 1			384,150.00		381,891.75			30-Sep-2005		6.150%		CA - 65.00%		Paid Off - 360		01-Apr-2005
			384,150.00

701000312 1			368,000.00		367,816.74			07-Oct-2005		7.450%		CA - 94.36%		Paid Off - 360		01-May-2005
701000312 1					367,816.74			07-Oct-2005		7.450%		CA - 94.36%		Paid Off - 360		01-May-2005
711006296 1			161,500.00		160,922.64			27-Sep-2005		7.750%		CT - 95.00%		Paid Off - 360		01-May-2005
711006296 1					160,922.64			27-Sep-2005		7.750%		CT - 95.00%		Paid Off - 360		01-May-2005
711006307 1			207,000.00		205,998.16			27-Sep-2005		6.200%		RI - 62.73%		Paid Off - 360		01-May-2005
711006307 1					205,998.16			27-Sep-2005		6.200%		RI - 62.73%		Paid Off - 360		01-May-2005
721006536 1			70,000.00		69,837.47			03-Oct-2005		9.850%		NV - 82.79%		Paid Off - 360		01-May-2005
721006536 1					69,837.47			03-Oct-2005		9.850%		NV - 82.79%		Paid Off - 360		01-May-2005
731009443 1			160,500.00		160,016.88			03-Oct-2005		8.600%		MD - 71.33%		Paid Off - 360		01-May-2005
731009443 1					160,016.88			03-Oct-2005		8.600%		MD - 71.33%		Paid Off - 360		01-May-2005
731009630 1			80,000.00		79,762.64			30-Sep-2005		8.670%		TN - 80.00%		Paid Off - 360		01-May-2005
731009630 1					79,762.64			30-Sep-2005		8.670%		TN - 80.00%		Paid Off - 360		01-May-2005
741010390 1			64,000.00		63,872.55			03-Oct-2005		10.600%		FL - 80.00%		Paid Off - 360		01-May-2005
741010390 1					63,872.55			03-Oct-2005		10.600%		FL - 80.00%		Paid Off - 360		01-May-2005
761008081 1			68,000.00		67,844.62			13-Oct-2005		10.800%		WI - 30.63%		Paid Off - 360		01-Apr-2005
761008081 1					67,844.62			13-Oct-2005		10.800%		WI - 30.63%		Paid Off - 360		01-Apr-2005
761008979 1			124,800.00		124,461.79			14-Oct-2005		9.110%		IL - 80.00%		Paid Off - 360		01-May-2005
761008979 1					124,461.79			14-Oct-2005		9.110%		IL - 80.00%		Paid Off - 360		01-May-2005
781002500 1			145,000.00		144,382.17			12-Oct-2005		7.800%		NJ - 53.11%		Paid Off - 360		01-Apr-2005
781002500 1					144,382.17			12-Oct-2005		7.800%		NJ - 53.11%		Paid Off - 360		01-Apr-2005
871000651 1			293,250.00		292,311.62			14-Oct-2005		8.300%		NJ - 85.00%		Paid Off - 360		01-May-2005
871000651 1					292,311.62			14-Oct-2005		8.300%		NJ - 85.00%		Paid Off - 360		01-May-2005


TOTAL			25,130,361.60		25,048,307.02
TOTAL


Page 19 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution
Realized Loss Report

COLLATERAL REALIZED LOSSES



											Group 2		Group 1		Total


Current
Current



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

Cumulative
Cumulative



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










Page 20 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution


DEFAULT SPEEDS



											Group 2		Group 1		Total



MDR												0.00%		0.00%
3 Months Avg MDR												0.00%		0.00%
12 Months Avg MDR												0.00%		0.00%
Avg MDR Since Cut-off												0.00%		0.00%


CDR												0.00%		0.00%
3 Months Avg CDR												0.00%		0.00%
12 Months Avg CDR												0.00%		0.00%
Avg CDR Since Cut-off												0.00%		0.00%


SDA												0.00%		0.00%
3 Months Avg SDA Approximation												0.00%		0.00%
12 Months Avg SDA Approximation												0.00%		0.00%
Avg SDA Since Cut-off Approximation												0.00%		0.00%


Loss Severity Approximation for Current Period												0.00%		0.00%
3 Months Avg Loss Severity Approximation												0.00%		0.00%
12 Months Avg Loss Severity Approximation												0.00%		0.00%
Avg Loss Severity Approximation Since Cut-off												0.00%		0.00%












Page 21 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 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 22 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 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 23 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution
Triggers and Adj. Cert. Report
TRIGGER EVENTS
TRIGGER EVENTS
										Group 2		Group 1		Total
						Trigger Event in effect (0=No , 1=Yes)								0
						Stepdown Date has occurred (0 = No, 1=Yes)								0
						Credit Enhancement Percentage								24.0500%



ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK



ADDITIONAL INFORMATION

SPACE INTENTIONALLY LEFT BLANK




Page 24 of 25
Citigroup Mortgage Loan Trust 2005-OPT3

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-OPT3

October 25, 2005 Distribution
Additional Certificate Report

ADDITIONAL CERTIFICATE REPORT

										Next Pass Through Rate
CLASS

			RX							0.001%
										0.001%
			REMIC1							0.001%
										0.001%
			A-1C							0.002%
										0.002%
			A-1D							0.004%
										0.004%
			M-1							0.004%
										0.004%
			M-2							0.005%
										0.005%
			M-3							0.005%
										0.005%
			M-4							0.006%
										0.006%
			M-5							0.007%
										0.007%
			M-6							0.007%
										0.007%
			M-7							0.012%
										0.012%
			M-8							0.013%

			M-9							0.017%
										0.017%
			M-10							0.020%
										0.020%
			M-11							0.020%
										0.020%
			CE							0.000%
										0.000%
			P							0.000%
										0.000%
			R							0.000%
										0.000%






Page 25 of 25

Citigroup Mortgage Loan Trust, Series 2005-OPT3 8-K