10-D 1 final_2007-ar1.txt 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-D ASSET-BACKED ISSUER DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the monthly distribution period from May 1, 2007 to May 31, 2007 Commission File Number of issuing entity: 333-138237-02 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2007-AR1 ------------------------------------------------------------------------ (Exact name of issuing entity as specified in its charter) Commission File Number of depositor: 333-138237 ---------------------- CITIGROUP MORTGAGE LOAN TRUST, INC. ------------------------------------------------------------------------- (Exact name of depositor as specified in its charter) CITIGROUP GLOBAL MARKETS REALTY CORP. ------------------------------------------------------------------------- (Exact name of sponsor as specified in its charter) Delaware ----------------------------------------------------------------------------- (State or other jurisdiction of incorporation or organization of the issuing entity) 11-2418191 ---------------------------------------------------------------------------- (I.R.S. Employer Identification No.) 390 Greenwich Street, New York, NY 10013 ---------------------------------------- ---------- (Address of principal executive offices of the issuing entity) (Zip Code) (212) 816-6000 ------------------------------------------------------------------------- (Telephone number, including area code) -------------------------------------------------------------------------- (Former name, former address, if changed since last report.) Registered/reporting pursuant to (check one) Title Name of exchange of Class Section 12(b) Section 12(g) Section 15(d) (if Section 12(b)) Class A1 { } { } {X} _____________ Class A2 { } { } {X} _____________ Class A3 { } { } {X} _____________ Class A4 { } { } {X} _____________ Class M1 { } { } {X} _____________ Class M2 { } { } {X} _____________ Class M3 { } { } {X} _____________ Class M4 { } { } {X} _____________ 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{ } 1 2 PART I Item 1. Distribution and Pool Performance Information See Exhibit 99.1 referred to in PART II, Item 9, Exhibits. PART II Item 9. Exhibits (a) Attached as Exhibit 99.1 is the monthly distribution report for the month of May 2007. 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 2007-AR1 (Issuing Entity) CitiMortgage, Inc. Master Servicer By: /s/ Tommy Harris ---------------------------- Tommy Harris Senior Vice President Dated: June 22, 2007 3 4 EXHIBIT 99.1 ------------ Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR1 Payment Date: 06/25/2007 Issuer: Citigroup Mortgage Loan Trust Inc. Record Date: 31-May-07 Determination Date: See Foot Note Distribution Date: 25-Jun-07 Distribution #: 5 Trustee U.S. Bank National Association Clare O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Linda Tonioli (636) 261-6229 Paying Agent: Citibank N.A. Jennifer McCourt (212) 816-5680

6 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificate Holders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR1 Payment Date: 06/25/2007

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 2007-AR1 Payment Date: 06/25/2007

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR1 Payment Date: 06/25/2007

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2007-AR1 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 06/25/2007 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$4,181,802.78 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- 13,367,376.62 $0.00 $0.00 $13,367,376.62 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 $5,554,134.34 Prior to Application of Excess Interest ---------------------------------------- Over Collateralization Amount $5,554,134.34 Deficiency Amount $0.00 Release Amount $0.00 Monthly Excess Interest $620,736.72 After Application of Excess Interest ------------------------------------- Over Collateralization Amount $5,554,134.34 Deficiency Amount $0.00 Net Wac Rate Carryover Reserve Account --------------------------------------- Begin Remaining Balance Deposits Withdrawels Balance ------------------------------------------------ $0.00 $2,957.70 $2,957.70 $0.00 Cap Amount for the benefit of covered classes: $0.00 Trigger Test Calc % Trigger % Broken ? ------------------------------------------------------------ Delinquencies 4.077 2.539 Y Cum Losses 0.000 0.200 F Senior Enhancement Percentage 6.348 11.400 Y Cap Account ----------- Begin Remaining Balance Deposits Withdrawals Balance ----------------------------------------------- $0.00 $0.00 $0.00 $0.00 Deposits to Certificate Account Type Retained by CMI Amount Balance -------------------------------------------------------------------- Cap Account Payments No $0.00 $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 2007-AR1 Payment Date: 06/25/2007 2007-AR1 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.95% 6.95% WAM 356 352 351 AVG LTV 76 76 76 AVG LOAN SIZE $319,939 $313,182 $312,481 # OF LOANS 2,480 2,275 2,250 ACTUAL BALANCE $793,581,520.74 $712,574,488.16 $703,165,557.69 SCHEDULED BALANCE $793,447,763.03 $712,489,428.39 $703,082,961.49 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 57.27% Single Family 56.90% PUD 25.44% PUD 25.31% Condo 11.45% Condo 11.98% 2-4 Family 5.70% 2-4 Family 5.65% Other 0.14% Other 0.16% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 29% CA 30% 65% AND BELOW 10% 9% FL 16% FL 17% 65.01-75% 32% 31% GA 6% GA 6% 75.01-80% 52% 54% IL 6% IL 5% OVER 80% 6% 6% AZ 4% AZ 4% OTHER 39% OTHER 38% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 5.00% $39,673,000.00 5.64% $39,673,000.00 OVERCOLLATERALIZATION 0.70% $5,554,663.03 0.79% $5,554,134.34 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $95,729.76 PRINCIPAL PREPAYMENTS: $9,310,737.14 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 792% 1,406% 0% 1,709% PREPAYMENT HISTORY(CPR): 14.61% 23.31% 0.00% 25.06% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 11 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR1 Payment Date: 06/25/2007

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Citigroup Mortgage Loan Trust 2007-AR1 10-D