8-K 1 cit04op1_nov.txt NOV 8-K 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): November 26, 2004 CITIGROUP MORTGAGE LOAN TRUST INC. Asset Backed Pass-Through Certificates, Series 2004-OP1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-117349-02 54-2161189 Pooling and Servicing Agreement) (Commission 54-2161190 (State or other File Number) 54-2161191 jurisdiction 54-2161192 of Incorporation) 54-2161193 IRS EIN c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (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 under the Exchange Act (17 CFR 240.14a-12) [ ] 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 On November 26, 2004 a distribution was made to holders of CITIGROUP MORTGAGE LOAN TRUST INC., Asset Backed Pass-Through Certificates, Series 2004-OP1 Trust . ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-OP1 Trust, relating to the November 26, 2004 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. CITIGROUP MORTGAGE LOAN TRUST INC. Asset Backed Pass-Through Certificates, Series 2004-OP1 Trust (Registrant) By: Wells Fargo Bank, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 11/29/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-OP1 Trust, relating to the November 26, 2004 distribution. EX-99.1

~~Exhibit~~Citigroup NoMortgage Loan Trust Inc. ~~Description~~Mortgage ~~Sequentially~~Pass-Through Certificates Record Date: 10/31/04 Distribution Date: 11/26/04 CMLTI Series: 2004-OP1 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution A-1A 17307GJE9 SEN 2.23250% 959,415,162.06 1,903,906.09 16,546,711.68 A-1B 17307GJF6 SEN 2.34250% 106,602,122.07 221,969.31 1,838,531.06 A-2 17307GJG4 SEN 2.29250% 280,186,141.82 570,957.09 5,386,082.50 M-1 17307GJH2 MEZ 2.48250% 28,681,000.00 63,289.41 0.00 M-2 17307GJJ8 MEZ 2.54250% 26,223,000.00 59,263.98 0.00 M-3 17307GJK5 MEZ 2.56250% 43,431,000.00 98,926.17 0.00 M-4 17307GJL3 MEZ 2.60250% 22,945,000.00 53,079.43 0.00 M-5 17307GJM1 MEZ 2.98250% 23,764,000.00 63,001.00 0.00 M-6 17307GJN9 MEZ 3.01250% 17,209,000.00 46,081.88 0.00 M-7 17307GJP4 MEZ 3.28250% 16,389,000.00 47,819.46 0.00 M-8 17307GJQ2 MEZ 3.68250% 11,472,000.00 37,551.68 0.00 M-9 17307GJR0 MEZ 3.73250% 16,390,000.00 54,378.38 0.00 M-~~----~~10 ~~Numbered~~17307GJS8 ~~Page~~MEZ 5.28250% 12,292,000.00 57,717.77 0.00 M-~~------------~~11 17307GJT6 MEZ 4.268250% ~~Subsequent~~9,014,000.00 ~~Transfer~~37,518.27 ~~Instrument~~0.00 6M-12 9917307GJU3 MEZ 4.143250% ~~Characteristics~~9,833,000.00 of38,742.02 ~~the~~0.00 ~~Mortgage~~M-13 ~~Pool~~17307GJV1 asMEZ of4.43250% ~~September~~8,195,000.00 132,288.30 ~~2004~~0.00 M-14 17307GJW9 MEZ 3.93250% 16,389,000.00 ~~relating~~57,288.66 to0.00 ~~Citigroup~~CE ~~Mortgage~~CIT04OP1C ~~Loan~~SEN ~~Trust~~0.00000% 128,194,932.00 ~~Inc~~5,441,918.16 0.00 P CIT04OP1P SEN 0.00000% 100.00 316,086.03 ~~Asset~~0.00 R-~~Backed~~I ~~Pass~~CIT04P1R1 RES 0.00000% 0.00 0.00 0.00 R-~~Through~~II ~~Certificates~~CIT04P1R2 RES 0.00000% 0.00 0.00 0.00 Totals 1,616,625,457.95 ~~Series~~9,201,783.09 ~~2004-OPT1~~23,771,325.24

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