SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-K
(Mark One)

                 [X]    Annual Report Pursuant to Section 13 or 15(d) of the
                        Securities Exchange Act of 1934

                 [ ]    Transition Report Pursuant to Section 13 or 15(d) of
                        the Securities Exchange Act of 1934 (No Fee Required)

                   For the Fiscal Year Ended December 31, 2002

                            Commission file numbers:
                                    333-72459
                                    333-72082

                       Citicorp Mortgage Securities, Inc.
            (Issuer in respect of the REMIC Pass-Through Certificates
                         Series 2002-1 through 2002-12)
                              (the "Certificates")
             ------------------------------------------------------
             (Exact name of Registrant as specified in its charter)


                       Delaware                     13-3408713
            -------------------------------     ----------------
            (State or other jurisdiction of     (I.R.S. Employer
            incorporation or organization)      Identification No.)

             12855 North Outer Forty Drive
                  St. Louis, Missouri                  63141
            -------------------------------         ----------
            (Address of principal executive         (Zip Code)
             offices)

Registrant's telephone number, including area code: (314) 851-6305.
                                                    --------------

Securities registered pursuant to Section 12(b) of the Act:  NONE

Securities registered pursuant to Section 12(g) of the Act:  CERTIFICATES

     Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.    Yes  X    No
                                                -----     -----

     Indicate by check mark whether the Registrant is an accelerated filer (as
defined in Exchange Act Rule 12b-2). Yes       No   X
                                        -----     -----

     Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K (ss. 229.405 of this chapter) is not contained herein, and
will not be contained, to the best of Registrant's knowledge, in definitive
proxy or information statements incorporated by reference in Part III of this
Form 10-K or any amendment to this Form 10-K. [x]

     State the aggregate market value of the voting stock held by non-affiliates
of the Registrant. The aggregate market value shall be computed by reference to
the price at which the stock was sold, or the average bid and asked priced of
such stock, as of a specified date within 60 days prior to the date of filing.
(See definition of affiliate in Rule 405). NOT APPLICABLE

<PAGE>


                                     PART I

Item 1.  Business

         Omitted pursuant to an exemptive order dated July 10, 1987 (the
"Exemptive Order").

Item 2.  Properties

         The Annual Statement of Compliance for the Registrant's REMIC
Pass-Through Certificates Series 2002-1 through 2002-12 is included as Exhibit
99(a)(2) hereto.

Item 3.  Legal Proceedings.

         The Registrant knows of no material pending legal proceedings involving
either the trusts evidenced by the Certificates, the Registrant, the custodians
(as to each trust, CitiMortgage, Inc. ("CMI")), the subservicer (as to each
trust, CMI), or the trustee (as to the trust for Series 2002-1, 2002-3, 2002-5,
2002-7 and 2002-11, The Bank of New York, and as to the trust for Series 2002-2,
2002-4, 2002-6, 2002-8, 2002-10 and 2002-12, State Street Bank and Trust
Company) with respect to each such trust, other than routine litigation
incidental to the business of the Registrant or each such custodian, subservicer
or trustee.

Item 4.  Submission of Matters to a Vote of Security Holders.

         None.


<PAGE>


                                     PART II

Item 5.  Market for Registrant's Common Equity and Related Stockholder Matters.

         (a) To the best of Registrant's knowledge, there is no established
public trading market for the Certificates.

         (b) As of December 31, 2002, the number of holders of the Certificates
was as follows:

                                                                 Number of
                    Series                                        Holders
                    ------                                       ---------
                    2002-1                                          21
                    2002-2                                          19
                    2002-3                                          11
                    2002-4                                           9
                    2002-5                                          22
                    2002-6                                          18
                    2002-7                                          14
                    2002-8                                           7
                    2002-9                                          14
                    2002-10                                         10
                    2002-11                                         13
                    2002-12                                         10

         (c) Omitted pursuant to the Exemptive Order.

         (d) Not applicable.

Item 6.  Selected Financial Data.

         Omitted pursuant to the Exemptive Order.

Item 7.  Management's Discussion and Analysis of Financial Condition and Results
         of Operation.

         Omitted pursuant to the Exemptive Order.

Item 8.  Financial Statements and Supplementary Data.

         In accordance with the Exemptive Order, the Annual Statement of
Compliance and the Annual Independent Accountant's Servicing Reports for the
Registrant's REMIC Pass-Through Certificates Series 2002-1 through 2002-12 are
included herein as Exhibits 99(a)(2) and 99(a)(3), respectively.

Item 9.  Changes in and Disagreements with Accountants on Accounting and
         Financial Disclosure.

         None.


                                    PART III

Item 10. Directors and Executive Officers of the Registrant.

         Omitted pursuant to the Exemptive Order.

Item 11. Executive Compensation.

         Omitted pursuant to the Exemptive Order.



<PAGE>


Item 12. Security Ownership of Certain Beneficial Owners and Management.

         Omitted pursuant to the Exemptive Order.

Item 13. Certain Relationships and Related Transactions.

         Omitted pursuant to the Exemptive Order.


Item 14. Controls and Procedures

         Not applicable.


                                     PART IV

Item 15. Exhibits, Financial Statement Schedules, and Reports on Form 8-K.

         (a)      Exhibits

          1       Certification pursuant to Section 302(a) of the Sarbanes-Oxley
                  Act. (Exhibit 99(a)(1))

          2       The Registrant's Annual Statement of Compliance with respect
                  to the Certificates as to which CitiMortgage, Inc.
                  ("CMI"), acts as subservicer. (Exhibit 99(a)(2))


          3       Annual Independent Auditors' Servicing Report with respect to
                  the Certificates as to which CMI acts as subservicer.(Exhibit
                  99(a)(3))


         (b)      Current Reports on Form 8-K

                  The Registrant filed the following Current Reports on Form 8-K
during the fiscal year ended December 31, 2002 and through the date hereof
relating to the REMIC Pass-Through Certificates Series 2002-1 through 2002-12:

<TABLE>
<CAPTION>

     Series                Date of Report
     ------                --------------
     <S>                   <C>
     CMSI 2002-1           January 24, 2002, January 25, 2002, January 30, 2002, February 25, 2002, March 25, 2002, April 25, 2002,
                           May 28, 2002, June 25, 2002, July 25, 2002, August 26, 2002, September 25, 2002, October 25, 2002,
                           November 25, 2002 and December 26, 2002

     CMSI 2002-2           February 7, 2002, February 25, 2002 (two reports), February 27, 2002, March 25, 2002, April 25, 2002,
                           May 28, 2002, June 25, 2002, July 25, 2002, August 26, 2002, September 25, 2002, October 25, 2002,
                           November 25, 2002 and December 26, 2002

     CMSI 2002-3           March 11, 2002, March 22, 2002, March 28, 2002, April 25, 2002, May 28, 2002, June 25, 2002, July 25,
                           2002, August 26, 2002, September 25, 2002, October 25, 2002, November 25, 2002 and December 26, 2002

     CMSI 2002-4           March 11, 2002, March 22, 2002, March 28, 2002, April 25, 2002, May 28, 2002, June 25, 2002, July 25,
                           2002, August 26, 2002, September 25, 2002, October 25, 2002, November 25, 2002 and December 26, 2002

     CMSI 2002-5           April 3, 2002 (two reports), April 9, 2002, April 24, 2002, April 29, 2002, May 28, 2002, June 25, 2002,
                           July 25, 2002, August 26, 2002, September 25, 2002, October 25, 2002, November 25, 2002 and December 26,
                           2002

     CMSI 2002-6           May 9, 2002, May 21, 2002, May 23, 2002, May 30, 2002, June 25, 2002, July 25, 2002, August 26, 2002,
                           September 25, 2002, October 25, 2002, November 25, 2002 and December 26, 2002

     CMSI 2002-7           June 13, 2002, June 18, 2002, June 27, 2002, July 25, 2002, August 26, 2002, September 25, 2002, October
                           25, 2002, November 25, 2002 and December 26, 2002

     CMSI 2002-8           July 8, 2002, July 26, 2002, July 30, 2002, August 26, 2002, September 25, 2002, October 25, 2002,
                           November 25, 2002 and December 26, 2002

     CMSI 2002-9           August 15, 2002, August 22, 2002, August 23, 2002, August 26, 2002, August 29, 2002, September 25, 2002,
                           October 25, 2002, November 25, 2002 and December 26, 2002

     CMSI 2002-10          October 9, 2002, October 24, 2002, October 30, 2002, November 25, 2002 and December 26, 2002

     CMSI 2002-11          November 8, 2002, November 22, 2002 (two reports), November 26, 2002 and December 25, 2002

     CMSI 2002-12          December 6, 2002, December 19, 2002 and December 20, 2002

</TABLE>

         The above Reports set forth under Item 2 thereof are the "Detailed
Description of the Mortgage Pool and the Mortgaged Properties" relating to the
Series of Certificates to which such Reports relate.

         The above Reports set forth under Item 5 thereof are (a) the
Computational Materials (as defined in the no-action letter dated May 20, 1994
issued by the Securities and Exchange Commission to Kidder Peabody Acceptance
Corporation-I, Kidder Peabody & Co. Incorporated and Kidder Structured Asset
Corporation) and/or Structural Term Sheets (as defined in the no-action letter
dated February 17, 1995 issued by the Securities and Exchange Commission to the
Public Securities Association) that are required to be filed pursuant to such
letters, (b) the "Collateral Term Sheets" relating to the Series of
Certificates to which such Reports relate, and (c) the monthly servicers reports
relating to the Series of Certificates to which such Reports relate.

         In the case of the above Report relating to Series 2002-11, such Report
also sets forth under Item 5 thereof the opinion of Cadwalader, Wickersham &
Taft with respect to certain tax matters relating to such Series of
Certificates.

         In the case of the above Reports relating to Series 2002-2, 2002-6
and 2002-9, such Reports set forth under Item 7 thereof the Consent of
PricewaterhouseCoopers LLP, independent Certified Public Accountants of MBIA
Inc. and Subsidiaries in connection with Citicorp Mortgage Securities, Inc.,
REMIC Pass-Through Certificates, for each such Series of Certificates.

<PAGE>


                                   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.


                                  CITICORP MORTGAGE SECURITIES, INC.
                                  (Registrant)


                                  By:/s/ Michael J. Tarpley
                                     ------------------------
                                  Name:  Michael J. Tarpley
                                  Title: Assistant Secretary


Dated:  March 28, 2003


      Pursuant to the requirements of the Securities Exchange Act of 1934, this
report has been signed below on March 28, 2003 by the following persons on
behalf of the Registrant in the capacities indicated.

         Signature                                   Capacity
         ---------                                   --------

 /s/ Jerome A. Cipponeri                      President and a Director
 -------------------------                  (Principal Executive Officer)
    (Jerome A. Cipponeri)



                                                     Director
 -------------------------
    (Charles Wainhouse)


 /s/ Bradley Brunts                                  Director
 -------------------------
    (Bradley Brunts)


 /s/ Daniel P. Hoffman                  Senior Vice President, Chief  Financial
 -------------------------               Officer  (Principal Financial Officer
    (Daniel P. Hoffman)                    and Principal Accounting Officer)


<PAGE>



                                  EXHIBIT INDEX


Exhibit No.

99(a)(1)          Certification Certification pursuant to Section 302(a) of the
                  Sarbanes-Oxley Act.

99(a)(2)          The Registrant's Annual Statement of Compliance with respect
                  to the Registrant's REMIC Pass-Through Certificates as to
                  which CMI acts as subservicer.

99(a)(3)          Annual Independent Auditors' Servicing Report with respect to
                  the Registrant's Mortgage Pass-Through Certificates and REMIC
                  Pass-Through Certificates as to which CMI acts as subservicer.