8-K 1 final_2005-he1.txt 1 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: August 25, 2005 ---------------------------------- (Date of earliest event reported) CITIGROUP MORTGAGE LOAN TRUST, INC. (Packager and Servicer) (Issuer in Respect of the REMIC Pass-Through Certificates Series 2005-HE1) ------------------------------------------------------------------------ (Exact name of registrant as specified in charter) Delaware 333-117349-08 11-2418191 -------------------------------------------------------------------------------- (State or other jurisdiction (Commission File Nos.) (I.R.S. Employer of organization) Identification No.) 390 Greenwich Street, New York, NY 10013 ---------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (212) 816-6000 -------------------------------------------------------------------------- (Former name, former address and former fiscal year, if changed since last report.) 1 2 Item 8.01. Other Events. ------------- CITIGROUP MORTGAGE LOAN TRUST, INC. REMIC Pass-Through Certificates, Series 2005-HE1 ---------------------------------------------- Attached as Exhibit I is the monthly servicing report for the month of July 2005. 2 3 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. CITIGROUP MORTGAGE LOAN TRUST, INC. (Registrant) By: /s/ Cathy Johnson ------------------------- Cathy Johnson Assistant Vice President Dated: August 26, 2005 3 4 EXHIBIT INDEX Exhibit No. Page No. ----------- -------- I monthly servicing report for July 2005 5 4 5 EXHIBIT I --------- Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2005-HE1 Payment Date: 08/25/2005 Issuer: Citigroup Mortgage Loan Trust Inc. Record Date: 31-Jul-05 Distribution Date: 25-Aug-05 Distribution #: 3 Trustee U.S. Bank National Association Clare M. O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc Cathy Johnson (636) 261-1369 Paying Agent: Citibank N.A. Karen Schluter (212) 816-5827

6 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificate Holders Remic Pass-Through Certificate Series Name: CMLTI 2005-HE1 Payment Date: 08/25/2005

P Class Interest Paid, represents Prepayment Charges collected by the Master Servicer or any Sub-Servicer in connection with the Principal Prepayment of any of the Mortgage loans or servicer Prepayment Charge Payment Amount. 7 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2005-HE1 Payment Date: 08/25/2005

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2005-HE1 Payment Date: 08/25/2005

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2005-HE1 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 08/25/2005 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$5,696,877.31 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- 21,441,843.37 $0.00 $9,861.03 $21,431,982.34 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: Over Collateralization Summary ------------------------------ Target Over Collateralization Amount $15,564,886.01 Prior to Application of Excess Interest ---------------------------------------- Over Collateralization Amount $15,564,886.01 Deficiency Amount $0.00 Release Amount $0.00 Monthly Excess Interest $1,835,990.40 After Application of Excess Interest ------------------------------------- Over Collateralization Amount $15,564,886.01 Deficiency Amount $0.00 Net Wac Rate Carryover Reserve Account --------------------------------------- Begin Remaining Balance Deposits Withdrawels Balance ------------------------------------------------ $0.00 $0.00 $0.00 $0.00 Cap Amount for the benefit of class A-1: $0.00 Trigger Test Calc % Trigger % Broken ? ------------------------------------------------------------ Delinquencies 4.681 8.159 F Cum Losses 0.000 3.000 F Senior Enhancement Percentage 23.312 44.900 Y Withdrawals from Certificate Account Type Retained by CMI Amount Balance -------------------------------------------------------------------- Advisor Fee No $9,861.03 $0.00 Loan level information (including data on REO, loans in foreclosure and realized losses) is available on the Citimortgagembs.com website in the payment and summary section of the CMLTI shelf 10 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2005-HE1 Payment Date: 08/25/2005 DELINQUENCY (1)

(1) DETERMINED BY THE OTS METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST.

CITIFINANCIAL MORTGAGE SECURITIES INC 8-K