10-D 1 final_2007-ar5.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: 333-138237-09 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2007-AR5 ------------------------------------------------------------------------ (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 1-A1A { } { } {X} _____________ Class 1-A2A { } { } {X} _____________ Class 1-A12B { } { } {X} _____________ Class 1-12IO { } { } {X} _____________ Class 1-A3A { } { } {X} _____________ Class 1-A3B { } { } {X} _____________ Class 1-3IO { } { } {X} _____________ Class 2-A1A { } { } {X} _____________ Class 2-A2A { } { } {X} _____________ Class 2-AB { } { } {X} _____________ Class 2-AIO { } { } {X} _____________ Class 1-R { } { } {X} _____________ Class 2-R { } { } {X} _____________ Class 1-B1 { } { } {X} _____________ Class 1-B2 { } { } {X} _____________ Class 1-B3 { } { } {X} _____________ Class 2-B1 { } { } {X} _____________ Class 2-B2 { } { } {X} _____________ Class 2-B3 { } { } {X} _____________ Class 2-BIO { } { } {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-AR5 (Issuing Entity) CitiMortgage, Inc. Master Servicer By: /s/ Tommy Harris ---------------------------- Tommy Harris Senior Vice President Dated: June 27, 2007 3 4 EXHIBIT 99.1 ------------ Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR5 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 #: 3 Trustee U.S. Bank National Association Clare O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Shelley Vadden (636) 261-1365 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-AR5 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-AR5 Payment Date: 06/25/2007

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR5 Payment Date: 06/25/2007

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2007-AR5 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 06/25/2007 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$4,117,179.81 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- 19,613,301.43 $0.00 $0.00 $19,613,301.43 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: 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-AR5 Payment Date: 06/25/2007 2007-AR5 1A COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.53% 6.52% WAM 357 355 354 AVG LTV 76 76 76 AVG LOAN SIZE $250,378 $250,118 $249,715 # OF LOANS 1,276 1,245 1,232 ACTUAL BALANCE $319,522,716.84 $311,435,691.46 $307,686,175.62 SCHEDULED BALANCE $319,482,381.28 $311,397,102.31 $307,648,697.31 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 67.28% Single Family 67.20% Condo 20.40% Condo 20.38% 2-4 Family 12.17% 2-4 Family 12.26% Cooperative 0.15% Cooperative 0.16% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 35% CA 34% 65% AND BELOW 16% 16% FL 10% FL 10% 65.01-75% 15% 15% WA 7% WA 7% 75.01-80% 61% 61% AZ 6% AZ 6% OVER 80% 8% 8% NV 5% NV 5% OTHER 37% OTHER 38% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $50,405.67 PRINCIPAL PREPAYMENTS: $3,697,999.33 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 1,058% 1,298% 0% 1,298% PREPAYMENT HISTORY(CPR): 13.36% 13.85% 0.00% 13.85% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR5 1B COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.45% 6.43% WAM 357 355 354 AVG LTV 72 72 72 AVG LOAN SIZE $698,232 $693,419 $691,687 # OF LOANS 547 518 506 ACTUAL BALANCE $381,971,908.58 $359,230,843.64 $350,034,753.14 SCHEDULED BALANCE $381,932,858.82 $359,191,157.60 $349,993,753.34 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 76.60% Single Family 76.07% Condo 17.50% Condo 17.66% 2-4 Family 5.90% 2-4 Family 6.27% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 52% CA 52% 65% AND BELOW 25% 23% FL 7% FL 8% 65.01-75% 23% 23% NY 6% NY 6% 75.01-80% 49% 51% NV 4% NJ 4% OVER 80% 3% 3% NJ 4% NV 4% OTHER 27% OTHER 26% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $42,118.76 PRINCIPAL PREPAYMENTS: $9,155,285.50 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 2,158% 2,809% 0% 2,809% PREPAYMENT HISTORY(CPR): 26.65% 29.39% 0.00% 29.39% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR5 1C COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.67% 6.67% WAM 356 354 353 AVG LTV 74 74 74 AVG LOAN SIZE $282,706 $283,475 $284,581 # OF LOANS 211 205 202 ACTUAL BALANCE $59,659,313.72 $58,121,182.79 $57,494,795.76 SCHEDULED BALANCE $59,651,065.44 $58,112,273.39 $57,485,320.87 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 63.46% Single Family 63.99% Condo 25.08% Condo 24.13% 2-4 Family 11.46% 2-4 Family 11.88% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 29% CA 29% 65% AND BELOW 20% 20% FL 13% FL 13% 65.01-75% 26% 26% AZ 6% AZ 7% 75.01-80% 45% 45% WA 6% WA 5% OVER 80% 9% 9% NC 4% NC 4% OTHER 42% OTHER 42% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $10,232.98 PRINCIPAL PREPAYMENTS: $616,719.54 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 807% 1,050% 0% 1,050% PREPAYMENT HISTORY(CPR): 12.02% 13.57% 0.00% 13.57% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR5 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.50% 6.49% WAM 357 355 354 AVG LTV 74 74 74 AVG LOAN SIZE $374,172 $370,275 $368,623 # OF LOANS 2,034 1,968 1,940 ACTUAL BALANCE $761,153,939.14 $728,787,717.89 $715,215,724.52 SCHEDULED BALANCE $761,066,305.54 $728,700,533.30 $715,127,771.52 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 71.66% Single Family 71.28% Condo 19.31% Condo 19.35% 2-4 Family 8.97% 2-4 Family 9.30% Cooperative 0.06% Cooperative 0.07% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 43% CA 42% 65% AND BELOW 21% 20% FL 9% FL 9% 65.01-75% 20% 20% WA 5% NY 5% 75.01-80% 53% 54% NY 5% WA 5% OVER 80% 6% 6% NV 4% NV 4% OTHER 34% OTHER 35% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 6.25% $47,566,205.00 6.65% $47,546,246.01 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $102,757.41 PRINCIPAL PREPAYMENTS:$13,470,004.37 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 1,583% 2,040% 0% 2,040% PREPAYMENT HISTORY(CPR): 20.07% 21.92% 0.00% 21.92% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR5 2A COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.84% 6.84% WAM 356 354 353 AVG LTV 74 74 74 AVG LOAN SIZE $247,330 $244,611 $244,195 # OF LOANS 293 285 284 ACTUAL BALANCE $72,477,215.74 $69,723,358.38 $69,359,810.15 SCHEDULED BALANCE $72,467,643.98 $69,714,119.02 $69,351,422.55 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 58.08% Single Family 58.64% Condo 23.39% Condo 24.12% 2-4 Family 18.53% 2-4 Family 17.24% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 37% CA 37% 65% AND BELOW 19% 19% FL 11% FL 11% 65.01-75% 23% 23% WA 6% WA 7% 75.01-80% 47% 47% NJ 4% NJ 4% OVER 80% 11% 11% VA 4% IL 4% OTHER 38% OTHER 37% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $10,411.43 PRINCIPAL PREPAYMENTS: $352,285.04 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 399% 1,245% 0% 1,245% PREPAYMENT HISTORY(CPR): 5.90% 15.97% 0.00% 15.97% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR5 2B COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.74% 6.74% WAM 356 354 353 AVG LTV 69 69 69 AVG LOAN SIZE $826,184 $825,820 $824,351 # OF LOANS 118 115 114 ACTUAL BALANCE $97,495,956.41 $94,975,194.00 $93,981,911.74 SCHEDULED BALANCE $97,489,727.66 $94,969,292.17 $93,975,960.49 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 82.70% Single Family 83.24% Condo 10.76% Condo 10.65% 2-4 Family 6.54% 2-4 Family 6.11% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 48% CA 48% 65% AND BELOW 37% 36% NJ 6% NJ 6% 65.01-75% 26% 27% FL 5% CT 5% 75.01-80% 36% 36% WA 5% FL 5% OVER 80% 1% 1% NY 5% MA 5% OTHER 31% OTHER 31% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $5,935.38 PRINCIPAL PREPAYMENTS: $987,396.30 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 790% 1,051% 0% 1,051% PREPAYMENT HISTORY(CPR): 11.79% 13.60% 0.00% 13.60% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR5 2 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.78% 6.78% WAM 356 354 353 AVG LTV 71 71 71 AVG LOAN SIZE $413,522 $411,709 $410,370 # OF LOANS 411 400 398 ACTUAL BALANCE $169,973,172.15 $164,698,552.38 $163,341,721.89 SCHEDULED BALANCE $169,957,371.64 $164,683,411.19 $163,327,383.04 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 72.21% Single Family 72.80% Condo 16.14% Condo 16.37% 2-4 Family 11.65% 2-4 Family 10.83% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 43% CA 44% 65% AND BELOW 29% 29% FL 7% FL 7% 65.01-75% 25% 25% WA 5% NJ 5% 75.01-80% 41% 41% NJ 5% WA 5% OVER 80% 5% 5% MA 4% MA 4% OTHER 36% OTHER 35% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 6.00% $10,197,271.00 6.24% $10,194,168.28 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $16,346.81 PRINCIPAL PREPAYMENTS: $1,339,681.34 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 628% 1,134% 0% 1,134% PREPAYMENT HISTORY(CPR): 9.34% 14.62% 0.00% 14.62% 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-AR5 Payment Date: 06/25/2007

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Citigroup Mortgage Loan Trust 2007-AR5 10-D