Citigroup Mortgage Loan Trust Inc., Series 2005-HE4
Not applicable.
Not applicable.
Not applicable.
Not applicable.
The registrant knows of no material pending legal proceedings involving the trust created under the Pooling and Servicing Agreement(the Trust), the Trustee, the Servicer, or the Registrant.
None.                                    PART II
No established public trading market for the Certificate exists.          Records provided to the Trust by the DTC and the Trustee indicate         that as of December 31, 2005, the total number of holders of record         for the series of certificates is 33.
Not applicable.
Not applicable.
Not applicable.
Not applicable.
None.
Not applicable.
None.                                      PART III
Not applicable.
Not applicable.
Not applicable.
Not applicable.
Not applicable.                                     PART IV
(a) Exhibits:      1     Annual Independent Accountant's Servicing Report ("USAP")           for the year ended December 31, 2005           Ocwen Federal Bank FSB, as Servicer and           accompanying Report of Management as to compliance           with minimum servicing standards      2     Annual Statement of Compliance           for the year ended December 31, 2005           Ocwen Federal Bank FSB, as Servicer      3     Aggregate Statement of Principal and Interest Distributions           to Certificate Holders for the year ended December 31, 2005   (b) Not applicable.  (c) Not applicable.                                   SIGNATURES    Pursuant to the requirements of Section 13 or 15(d) 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)     Signed: Citigroup Mortage Loan Trust Inc. as Depositor    By: /s/ Susan Mills    By: Susan Mills, Vice President    Dated: March 30, 2006                                 CERTIFICATION    I, Susan Mills, certify that:    1. I have reviewed this annual report on Form 10-K, and all reports on      Form 8-K containing distribution or servicing reports filed in      respect of periods included in the year covered by this annual report,      of Citigroup Mortgage Loan Trust Inc., Asset Backed Pass-Through      Certificates, Series 2005-HE4;    2. Based on my knowledge, the information in these reports, taken as a      whole, does not contain any untrue statement of a material fact or      omit to state a material fact necessary to make the statements made,      in light of the circumstances under which such statements were made,      not misleading as of the last day of the period covered by this      annual report;    3. Based on my knowledge, the distribution or servicing information      required to be provided to the trustee by the servicer under the      pooling and servicing, or similar, agreement, for inclusion in these      reports is included in these reports;    4. Based on my knowledge and upon the annual compliance statement      included in the report and required to be delivered to the trustee in      accordance with the terms of the pooling and servicing, or similar,      agreement, and except as disclosed in the reports, the servicer has      fulfilled its obligations under the servicing agreement; and    5. The reports disclose all significant deficiencies relating to the      servicer's compliance with the minimum servicing standards based upon      the report provided by an independent public accountant, after      conducting a review in compliance with the Uniform Single Attestation      Program for Mortgage Bankers or similar procedure, as set forth in      the pooling and servicing, or similar, agreement, that is included in      these reports.       In giving the certifications above, I have reasonably relied on      information provided to me by the following unaffiliated parties:      Ocwen Loan Servicing, LLC and Citibank, N.A.         Date: March 30, 2006       /s/ Susan Mills      Signature       Vice President      Title    EX-1 2 ex01.txt EXHIBIT 1  PricewaterhouseCoopers LLP 222 Lakeview Avenue Suite 360 West Palm Beach FL 33401 Telephone (561) 832 0038 Facsimile (561) 805 8181                Report of Independent Certified Public Accountants   To the Board of Directors of                          RECEIVED MAR 0 7 2006 Ocwen Loan Servicing, LLC  We have examined management's assertion that Ocwen Loan Servicing, LLC ("OLS"), as successor to Ocwen Federal Bank FSB (the "Bank"), has complied with the minimum servicing standards identified in the Mortgage Bankers Association of America's ("MBA's") Uniform Single Attestation Program for Mortgage Bankers ("USAF") as of and for the year ended December 31, 2005 included in the accompanying Management Assertion on Compliance with USAF. Management is responsible for OLS's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about OLS's compliance based on our examination.  Our examination was made in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about OLS's compliance with the minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on OLS's compliance with the minimum servicing standards.  Our examination disclosed noncompliance with minimum servicing standards related to custodial account reconciliations and adjustments on adjustable rate mortgages applicable to OLS during the year ended December 31, 2005 which is described in the accompanying Management Assertion on Compliance with USAF.  In our opinion, management's assertion that OLS complied with the aforementioned minimum servicing standards, except for noncompliance as described in the accompanying Management Assertion on Compliance with USAF, as of and for the year ended December 31, 2005 is fairly stated, in all material respects.   /s/ PricewaterhouseCoopers LLP PricewaterhouseCoopers LLP  February 27, 2006            O C W E N                 MANAGEMENT ASSERTION ON COMPLIANCE WITH USAP  February 27, 2006  As of and for the year ended December 31, 2005, Ocwen Loan Servicing, LLC ("OLS"), as successor to Ocwen Federal Bank FSB (the "Bank"), except as specifically noted below, has complied in all material respects with the minimum servicing strndards set forth in the Mortgage Bankers Association of America's ("MBA's") Uniform Single Attestation Program for Mortgage Bankers ("USAP")      -Standard: Reconciliations shall be prepared on a monthly basis for all      custodial bank accounts and related bank clearing accounts. These      reconciliations shall be mathematically accurate, be prepared within      forty five (45) calendar days of the cutoff date; be reviewed and      approved by someone other than the person who prepared the      reconciliation; and document explanations for reconciling items. These      reconciling items shall be resolved within ninety (90) calendar days of      their original identification.  We have complied with all aspects of this standard with the exception of certain reconciling items which arose during the year ended December 31, 2005 were not cleared within 90 days of their original identification. All items identified were subsequently cleared within 6 months. As of December 31, 2005, there was exactly 1 reconciling item totaling $431.07 that had not cleared within 90 days of identification. Standard: Adjustments on ARM loans shall be computed based on the related mortgage note and any ARM rider. Certain ARM loans serviced by OLS were transferred in with an incorrect look back date due to errors in prior servicer records. These certain loans had ARM adjustments shortly after servicing transfer, but prior to OLS receiving the related mortgage documents from the prior servicer. When OLS received the mortgage documents and these errors were identified, OLS did not adjust the principal and interest payment amount. OLS has subsequently made adjustments to their procedures when they identify an error in prior servicer data to analyze the affect on the customer's account and make the appropriate adjustment.   As of and for this same period, OLS had in effect a fidelity bond in the amount of $20,000,000 and an errors and omissions policy in the amount of $5,000,000.   /s/ Ronald M. Faris Ronald M. Faris President   /s/ Scott W. Anderson Scott W. Anderson Senior Vice President of Residential Assets   /s/ Brian J. LaForest Brian J. LaForest Director of Investor Reporting   /s/ Thomas Vickers Thomas Vickers Director and Servicing Controller    EX-2 3 ex02.txt EXHIBIT 2                                    O C W E N                                  Ocwen Loan Servicing, LLC                            successor in interest to                             Ocwen Federal Bank FSB               Compliance Certification Year Ended December 31, 2005                                 CMLTI 2005 HE-4   The undersigned Officer of Ocwen Loan Servicing, LLC successor in interest to Ocwen Federal Bank FSB (the "Servicer") confirms that a review of the activities of the Servicer during the calendar year ending on December 31, 2005 and of the performance of the Servicer under the Pooling and Servicing Agreement dated as of October 1, 2005 (the "Servicing Agreement") has been made under his supervision. Except as noted on the Management Assertion on Compliance with USAP, to the best of the undersigned Officer's knowledge, based on such review, the Servicer has fulfilled all of its obligations as set forth in the Servicing Agreement.   /s/ Scott W. Anderson                       Dated:  February 28, 2006 - ---------------------- Scott W. Anderson, Senior Vice President                                     Ocwen Loan Servicing LLC                          1661 Worthington Road Suite 100                                  Centrepark West                             West Palm Beach, FL 33409    EX-3 4 ex03.htm EXHIBIT 3     cmlt05he4p&i.pdf -- Converted by SECPublisher 4.0, created by BCL Technologies Inc., for SEC Filing       Citigroup Mortgage Loan       Trust Inc.                      Asset-Backed Pass-Through       Certificates, Series 2005-HE4                   Schedule of Year-To-Date       Principal and Interest Distributions to Certificateholders for       2005           Class      Interest      Principal      Realized      Ending          Distribution          Paid      Losses      Balance      A1      1,138,704.90          6,169,865.74          0.00        334,250,134.26        A2A      708,651.82          7,724,696.63          0.00        212,012,303.37        A2B      190,667.97          0.00      0.00        58,042,000.00        A2C      213,216.63          0.00      0.00        63,316,000.00        A2D      156,175.71          0.00      0.00        45,466,000.00        CE      2,122,846.89          61.35      0.00        8,780,988.93        M1      117,155.21          0.00      0.00        33,738,000.00        M10      30,280.32      0.00      0.00        6,008,000.00        M11      23,294.88      0.00      0.00        4,622,000.00        M12      56,505.24      0.00      0.00        12,016,000.00        M13      21,734.95      0.00      0.00        4,622,000.00        M2      108,454.91          0.00      0.00        30,965,000.00        M3      76,244.22      0.00      0.00        21,722,000.00        M4      51,792.11      0.00      0.00        14,327,000.00        M5      54,016.82      0.00      0.00        14,789,000.00        M6      46,511.75      0.00      0.00        12,478,000.00        M7      47,584.68      0.00      0.00        11,092,000.00        M8      50,080.38      0.00      0.00        11,092,000.00        M9      55,903.68      0.00      0.00        11,092,000.00        P      128,584.63          0.00      0.00        100.00    R      0.00      0.00      0.00        0.00    RX      0.00      0.00      0.00        0.00           -----END PRIVACY-ENHANCED MESSAGE-----