10-D 1 final_2007-02.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 November 1, 2007 to November 30, 2007 Commission File Number of issuing entity: 333-138237-05 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2007-02 ------------------------------------------------------------------------ (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 PO { } { } {X} _____________ Class XS { } { } {X} _____________ Class 1-A1 { } { } {X} _____________ Class 1-A2 { } { } {X} _____________ Class 1-A2A { } { } {X} _____________ Class 1-A3 { } { } {X} _____________ Class 1-A4 { } { } {X} _____________ Class 2-A { } { } {X} _____________ Class R { } { } {X} _____________ Class B1 { } { } {X} _____________ Class B2 { } { } {X} _____________ Class B3 { } { } {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 7. Significant Enhancement Provider Information Not Applicable Item 9. Exhibits (a) Attached as Exhibit 99.1 is the monthly distribution report for the month of November 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 2007-02 (Issuing Entity) CitiMortgage, Inc. Master Servicer By: /s/ Tommy Harris ---------------------------- Tommy Harris Senior Vice President Dated: December 24, 2007 3 4 EXHIBIT 99.1 ------------ Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-02 Payment Date: 12/26/2007 Issuer: Citigroup Mortgage Loan Trust Inc. Record Date: 30-Nov-07 Determination Date: See Foot Note Distribution Date: 26-Dec-07 Distribution #: 11 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

--------------------------------------------------------------------------------------------------------------------------------- Next Accrual Accrual Current Succeeding Start End Class Coupon Type Coupon Coupon Date Date Original Par CUSIP # --------------------------------------------------------------------------------------------------------------------------------- PO Principal Only 0.00000% 0.00000% 0811/01/2007 0811/3130/2007 $394,190.00 17310SAHO ** XS WAC IO 56.~~99998~~00004% 6.00000% 0811/01/2007 0811/3130/2007 $5,450,987.00 17310SAG2 ------------------- Class A Total $394,190.00 1-A1 Fixed 6.00000% 6.00000% 0811/01/2007 0811/3130/2007 $123,171,000.00 17310SAA5 1-A2 LIBOR 5.~~85500~~13313% 5.~~48125~~21500% 0811/25/2007 0912/24/2007 $177,679,000.00 17310SAB3 ** 1-A2A Inv LIBOR 1.~~14500~~86687% 1.~~51875~~78500% 0811/25/2007 0912/24/2007 $177,679,000.00 17310SAC1 1-A3 Fixed 6.00000% 6.00000% 0811/01/2007 0811/3130/2007 $2,401,000.00 17310SAD9 1-A4 Fixed - NAS 6.00000% 6.00000% 0811/01/2007 0811/3130/2007 $13,952,000.00 17310SAE7 ------------------- Class A-Grp 1 Total $317,203,000.00 2-A Fixed 6.00000% 6.00000% 0811/01/2007 0811/3130/2007 $11,056,000.00 17310SAF4 ------------------- Class A-Grp 2 Total $11,056,000.00 R Residual 0.00000% 0.00000% N/A N/A $100.21 17310SAM9 ------------------- Class RES Total $100.21 B1 Variable 6.~~54106~~54124% 6.~~54112~~54130% 0811/01/2007 0811/3130/2007 $11,824,000.00 17310SAJ6 B2 Variable 6.~~54106~~54124% 6.~~54112~~54130% 0811/01/2007 0811/3130/2007 $2,434,000.00 17310SAK3 B3 Variable 6.~~54106~~54124% 6.~~54112~~54130% 0811/01/2007 0811/3130/2007 $1,739,000.00 17310SAL1 B4 Variable 6.~~54106~~54124% 6.~~54112~~54130% 0811/01/2007 0811/3130/2007 $1,217,000.00 17310SAN7 B5 Variable 6.~~54106~~54124% 6.~~54112~~54130% 0811/01/2007 0811/3130/2007 $1,217,000.00 17310SAP2 B6 Variable 6.~~54106~~54124% 6.~~54112~~54130% 0811/01/2007 0811/3130/2007 $696,290.00 17310SAQ0 ------------------- Class SUB Total $19,127,290.00 =================== $347,780,580.21 ** Denotes Notional Balance The Determination Date of the individual servicers and sub-servicers is between the 10th and 18th of the month, adjusted for occurrences on a non-business date

6 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificate Holders Remic Pass-Through Certificate Series Name: CMLTI 2007-02 Payment Date: 12/26/2007

----------------------------------------------------------------------------------------------------------------------------------- Non Supported Net WAC Relief Act. Interest Interest Interest Interest Interest Interest Principal CLASS Accrued Shortfall Carryover Shortfall Shortfall Recoveries Recoveries Interest Paid ----------------------------------------------------------------------------------------------------------------------------------- PO $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 XS $21,~~826~~094.9440 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $21,~~826~~094.9440 ---------------------------------------------------------------------------------------------------------------------- A Total $21,~~826~~094.9440 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $21,~~826~~094.9440 1-A1 $~~565~~547,~~071~~789.1317 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~565~~547,~~071~~789.1317 1-A2 $~~756~~642,~~251~~488.1011 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~756~~642,~~251~~488.1011 1-A2A $~~147~~233,~~891~~666.9775 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~147~~233,~~891~~666.9775 1-A3 $12,005.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $12,005.00 1-A4 $69,760.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $69,760.00 ---------------------------------------------------------------------------------------------------------------------- A-Grp 1 $1,~~550~~505,~~979~~709.2003 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,~~550~~505,~~979~~709.2003 Total 2-A $4746,~~256~~696.58 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $4746,~~256~~696.58 ---------------------------------------------------------------------------------------------------------------------- A-Grp 2 $4746,~~256~~696.58 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $4746,~~256~~696.58 Total R $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 ---------------------------------------------------------------------------------------------------------------------- RES Total $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 B1 $6463,~~126~~982.5070 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $6463,~~126~~982.5070 B2 $13,~~200~~171.6000 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $13,~~200~~171.6000 B3 $9,~~431~~410.3217 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $9,~~431~~410.3217 B4 $6,~~600~~585.3050 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $6,~~600~~585.3050 B5 $6,~~600~~585.3050 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $6,~~600~~585.3050 B6 $3,~~776~~767.2780 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $3,~~776~~767.2780 ---------------------------------------------------------------------------------------------------------------------- SUB Total $103,~~735~~502.2967 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $103,~~735~~502.2967 ====================================================================================================================== Total $1,~~723~~677,~~798~~002.0168 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,~~723~~677,~~798~~002.0168

------------------------------------------------------------------------------------------------------------------ Interest Cum Net WAC Cum Unpaid Paid Per Interest Interest CLASS Certificate Carryover Amount Shortfalls ------------------------------------------------------------------------------------------------------------------ PO 0.00000000 $0.00 $0.00 XS 43.~~00421795~~86983128 $0.00 $0.00 ------------------------------------------------------------------------------- A Total $0.00 $0.00 1-A1 4.~~58769621~~44738753 $0.00 $0.00 1-A2 43.~~25627733~~61600476 $0.00 $0.00 1-A2A 01.~~83235481~~31510617 $0.00 $0.00 1-A3 5.00000000 $0.00 $0.00 1-A4 5.00000000 $0.00 $0.00 ------------------------------------------------------------------------------- A-Grp 1 Total $0.00 $0.00 2-A 4.~~27429269~~22364146 $0.00 $0.00 ------------------------------------------------------------------------------- A-Grp 2 Total $0.00 $0.00 R 0.00000000 $0.00 $0.00 ------------------------------------------------------------------------------- RES Total $0.00 $0.00 B1 5.~~42341847~~41125677 $0.00 $0.00 B2 5.~~42341824~~41125719 $0.00 $0.00 B3 5.~~42341576~~41125359 $0.00 $0.00 B4 5.~~42341824~~41125719 $0.00 $0.00 B5 5.~~42341824~~41125719 $0.00 $0.00 B6 5.~~42341553~~41125106 $0.00 $0.00 ------------------------------------------------------------------------------- SUB Total $0.00 $0.00 ================================================================================= Total $0.00 $0.00

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 2007-02 Payment Date: 12/26/2007

--------------------------------------------------------------------------------------------------------------- Certificate Reductions not part of Principal distributions Paid Cumulative Principal to reduce Principal Per Principal CLASS Due Stated Amount Paid Certificate Loss --------------------------------------------------------------------------------------------------------------- PO $~~806~~821.5320 $0.00 $~~806~~821.5320 2.~~04604379~~08325934 0.00 XS $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A Total $~~806~~821.5320 $0.00 $~~806~~821.5320 0.00 1-A1 $~~220~~1,~~380~~512,536.1409 $0.00 $~~220~~1,~~380~~512,536.1409 112.~~78922100~~27996923 0.00 1-A2 $~~808~~1,~~537~~080,585.3063 $0.00 $~~808~~1,~~537~~080,585.3063 46.~~55055071~~08167330 0.00 1-A2A $.00 $0.00 $.00 0.00000000 0.00 1-A3 $.00 $0.00 $.00 0.00000000 0.00 1-A4 $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A-Grp 1 Total $12,~~028~~593,~~917~~121.4472 $0.00 $12,~~028~~593,~~917~~121.4472 0.00 2-A $3837,~~324~~375.3192 $0.00 $3837,~~324~~375.3192 3.~~46638115~~38060058 0.00 ---------------------------------------------------------------------------------------------------- A-Grp 2 Total $3837,~~324~~375.3192 $0.00 $3837,~~324~~375.3192 0.00 R $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- RES Total $.00 $0.00 $.00 0.00 B1 $89,~~833~~093.2920 $0.00 $89,~~833~~093.2920 0.~~74706445~~76904601 0.00 B2 $1,~~818~~871.3686 $0.00 $1,~~818~~871.3686 0.~~74706656~~76904684 0.00 B3 $1,~~299~~337.1537 $0.00 $1,~~299~~337.1537 0.~~74706728~~76904543 0.00 B4 $~~909~~935.1893 $0.00 $~~909~~935.1893 0.~~74706656~~76904684 0.00 B5 $~~909~~935.1893 $0.00 $~~909~~935.1893 0.~~74706656~~76904684 0.00 B6 $~~520~~535.1646 $0.00 $~~520~~535.1646 0.~~74704505~~76901866 0.0100 ---------------------------------------------------------------------------------------------------- SUB Total $14,~~289~~709.3275 $0.00 $14,~~289~~709.3275 0.0100 ===================================================================================================== Total $12,~~082~~646,~~337~~028.6059 $0.00 $12,~~082~~646,~~337~~028.6059 0.0100

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-02 Payment Date: 12/26/2007

----------------------------------------------------------------------------------------------------------------------------------- CLASS Previous Period's Ending Period's Beginning Balance Ending Balance Ending Balance Beginning Ending Prepayment Balance Balance Per Certificate Per Certificate Pool Factor Class PCT Class PCT Percentage ----------------------------------------------------------------------------------------------------------------------------------- PO $~~356~~354,~~972~~537.0096 $~~356~~353,~~165~~716.4776 ~~905~~899.~~58360182~~40881301 ~~903~~897.~~53755803~~32555367 0.~~90353756~~89732555 0.000000000% 0.000000000% 0.000000000% ** XS $4,~~365~~218,~~399~~854.9283 $4,~~287~~182,~~629~~752.6497 ~~800~~773.~~84577710~~96163851 ~~786~~767.~~57858476~~33864344 0.~~78657858~~76733864 0.000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A Total $~~356~~354,~~972~~537.0096 $~~356~~353,~~165~~716.4776 0.000000000% 0.000000000% 0.000000000% 1-A1 $~~113~~109,~~014~~557,~~225~~833.2320 $~~112~~108,~~793~~045,~~845~~297.0911 ~~917~~889.~~53923594~~47750039 ~~915~~877.~~75001494~~19753116 0.~~91575001~~87719753 8281.~~211764110~~762706012% 8281.~~186361835~~557846869% 100.000000000% 1-A2 $~~154~~150,~~995~~197,~~954~~975.9837 $~~154~~149,~~187~~117,~~417~~389.6874 ~~872~~845.~~33693897~~33329977 ~~867~~839.~~78638826~~25162647 0.~~86778639~~83925163 93.~~770516300~~595927205% 93.~~743655005~~556507347% 100.000000000% ** 1-A2A $~~154~~150,~~995~~197,~~954~~975.9837 $~~154~~149,~~187~~117,~~417~~389.6874 ~~872~~845.~~33693897~~33329977 ~~867~~839.~~78638826~~25162647 0.~~86778639~~83925163 0.000000000% 0.000000000% 0.000000000% 1-A3 $2,401,000.00 $2,401,000.00 1,000.000000001,000.00000000 1.00000000 1.~~746598228~~791859617% 1.~~749470058~~812391613% 0.000000000% 1-A4 $13,952,000.00 $13,952,000.00 1,000.000000001,000.00000000 1.00000000 10.~~149328817~~412338770% 10.~~166016766~~531648391% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A-Grp1 Tot $~~284~~276,~~363~~108,~~180~~808.2157 $~~283~~273,~~334~~515,~~262~~686.7785 % % % 2-A $9,~~451~~339,315.4626 $9,~~412~~301,~~991~~939.1534 ~~854~~844.~~85848951~~72822540 ~~851~~841.~~39210836~~34762482 0.~~85139211~~84134762 93.~~713395393~~711218126% 93.~~711924828~~710710147% 100.000000000% ----------------------------------------------------------------------------------------------------------------------- A-Grp2 Tot $9,~~451~~339,315.4626 $9,~~412~~301,~~991~~939.1534 93.~~713395393~~711218126% 93.~~711924828~~710710147% 100.000000000% R $.00 $.00 0.00000000 0.00000000 0.00000000 0.000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- RES Total $.00 $.00 0.000000000% 0.000000000% 0.000000000% B1 $11,~~764~~737,~~420~~716.3893 $11,~~755~~728,~~587~~623.0973 ~~994~~992.~~96112821~~70271735 ~~994~~991.~~21406377~~93367135 0.~~99421406~~99193367 3.~~760458100~~855563485% 3.~~770670070~~886344577% 0.000000000% B2 $2,~~421~~416,~~735~~238.3941 $2,~~419~~414,~~917~~366.0355 ~~994~~992.~~96112983~~70271569 ~~994~~991.~~21406327~~93366886 0.~~99421406~~99193367 0.~~774099715~~793677394% 0.~~776201873~~800013758% 0.000000000% B3 $1,~~730~~726,~~237~~310.4002 $1,~~728~~724,~~938~~972.2565 ~~994~~992.~~96112708~~70271420 ~~994~~991.~~21405980~~93366878 0.~~99421406~~99193367 0.~~553064667~~567052171% 0.~~554566578~~571579262% 0.000000000% B4 $1,~~210~~208,~~867~~119.6920 $1,~~209~~207,~~958~~183.5127 ~~994~~992.~~96112572~~70271159 ~~994~~991.~~21405916~~93366475 0.~~99421406~~99193366 0.~~387049856~~396838695% 0.~~388100934~~400006877% 0.000000000% B5 $1,~~210~~208,~~867~~119.6920 $1,~~209~~207,~~958~~183.5127 ~~994~~992.~~96112572~~70271159 ~~994~~991.~~21405916~~93366475 0.~~99421406~~99193366 0.~~387049856~~396838695% 0.~~388100934~~400006877% 0.000000000% B6 $~~692~~691,~~781~~208.4999 $~~692~~690,~~261~~673.3352 ~~994~~992.~~96113688~~70273880 ~~994~~991.~~21409183~~93370578 0.~~99421409~~99193371 0.~~221445314~~227045869% 0.~~222046679~~228858504% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB Total $1918,~~030~~987,~~910~~712.0475 $1918,~~016~~973,~~620~~002.7299 6.~~083167509~~237016311% 6.~~099687071~~286809858% 0.000000000% ====================================================================================================================== Total $~~313~~304,~~202~~790,~~377~~374.7154 $~~312~~302,~~120~~144,~~040~~345.1194 PO Balance $~~356~~354,~~972~~537.0096 $~~356~~353,~~165~~716.4776 Non PO Bal $~~312~~304,~~845~~435,~~405~~836.7158 $~~311~~301,~~763~~790,~~874~~629.6418

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT REMIC PASS-THROUGH CERTIFICATE Series Name:2007-02 Pmt Date: 12/26/2007 Advances: Aggregate Amount of P&I Advances for such Distribution Date: $1,777,541.09 Summary of Disbursements Withdrawal/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------ $4,323,031.27 $0.00 $0.00 $4,323,031.27 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: With respect to Collateral Pool I-2, Weighted average of the 0.52% Stripped Interest Rates: With respect to Collateral Pool II, Weighted average of the Stripped Interest Rates: 0.43% Trigger Test Calc % Trigger % Broken ? ------------------------------------------------------------ Delinquencies 0.00 50.000 F Cum Losses 0.00 30.000 F 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 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-02 Payment Date: 12/26/2007 Loans repurchased in the current period: Loan Number Scheduled Principal Balance Pool/Group -------------------------------------------------------- No repurchases for this period Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-02 Payment Date: 12/26/2007 Loans Modified: NO MODIFICATIONS 10 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-02 Payment Date: 12/26/2007 2007-02 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.89% 6.87% WAM 356 346 345 AVG LTV 73 73 74 AVG LOAN SIZE $284,706 $274,681 $274,555 # OF LOANS 1,180 1,073 1,064 ACTUAL BALANCE $336,106,444.56 $294,904,057.80 $292,299,403.24 SCHEDULED BALANCE $335,952,675.73 $294,732,374.65 $292,126,574.28 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 84.88% Single Family 84.56% Condo 8.99% Condo 9.26% 2-4 Family 5.09% 2-4 Family 5.02% PUD 1.04% PUD 1.16% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 29% CA 29% 65% AND BELOW 23% 22% FL 9% NY 9% 65.01-75% 18% 19% NY 8% FL 9% 75.01-80% 49% 50% VA 4% VA 4% OVER 80% 10% 9% NJ 4% TX 4% OTHER 46% OTHER 45% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $196,873.57 PRINCIPAL PREPAYMENTS: $2,408,926.80 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):16% PREPAYMENT HISTORY(PSA): 320% 428% 0% 691% PREPAYMENT HISTORY(CPR): 9.40% 11.74% 0.00% 13.49% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 18 1.6569% $4,~~489~~568,~~068~~477.5756 1.4956% $4,~~494~~572,~~670~~018.1318 1.4957% (2) 60-89 Days 63 0.5528% $21,~~005~~003,~~098~~906.1136 0.6634% $21,~~008~~006,~~113~~296.8759 0.6634% (2) 90 + Days 919 01.8279% $35,~~173~~820,~~452~~370.9568 1.0599% $35,~~183~~846,~~312~~120.08 12.0500% REAL ESTATE OWNED BY THE TRUST 13 0.0928% $~~178~~641,~~420~~649.0673 0.0622% $~~179~~646,~~616~~562.3851 0.0622% FORECLOSURES IN PROCESS 715 01.6441% $25,~~698~~144,~~352~~051.9527 01.8976% $25,~~708~~168,~~212~~030.0828 01.9077% BANKRUPTCIES IN PROCESS 1 0.09% $~~389~~124,~~923~~066.9118 0.1304% $~~390~~124,~~117~~066.5918 0.1304% PURCHASE AMOUNT ADVANCES NA

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-02 2 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.43% 6.46% WAM 175 165 164 AVG LTV 61 63 63 AVG LOAN SIZE $268,816 $239,476 $238,518 # OF LOANS 44 42 42 ACTUAL BALANCE $11,851,993.76 $10,076,478.13 $10,040,848.43 SCHEDULED BALANCE $11,827,904.48 $10,057,999.88 $10,017,771.66 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 82.02% Single Family 79.59% Condo 15.99% Condo 18.15% 2-4 Family 1.99% 2-4 Family 2.26% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 34% CA 26% 65% AND BELOW 52% 46% IL 9% IL 10% 65.01-75% 8% 9% NJ 9% NJ 10% 75.01-80% 39% 44% AZ 8% AZ 10% OVER 80% 1% 1% IN 8% IN 9% OTHER 32% OTHER 35% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $39,426.42 PRINCIPAL PREPAYMENTS: $801.80 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):16% PREPAYMENT HISTORY(PSA): 8% 8% 0% 649% PREPAYMENT HISTORY(CPR): 0.24% 0.21% 0.00% 12.84% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-02 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.88% 6.85% WAM 350 340 339 AVG LTV 73 73 73 AVG LOAN SIZE $284,134 $273,355 $273,187 # OF LOANS 1,224 1,115 1,106 ACTUAL BALANCE $347,958,438.32 $304,980,535.93 $302,340,251.67 SCHEDULED BALANCE $347,780,580.21 $304,790,374.53 $302,144,345.94 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 84.77% Single Family 84.41% Condo 9.23% Condo 9.55% 2-4 Family 4.99% 2-4 Family 4.92% PUD 1.01% PUD 1.12% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 29% CA 28% 65% AND BELOW 24% 23% FL 9% NY 9% 65.01-75% 18% 19% NY 8% FL 9% 75.01-80% 48% 49% NJ 4% VA 4% OVER 80% 10% 9% TX 4% TX 4% OTHER 46% OTHER 46% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 5.50% $19,127,290.00 6.28% $18,973,002.99 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $236,299.99 PRINCIPAL PREPAYMENTS: $2,409,728.60 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):16% PREPAYMENT HISTORY(PSA): 310% 415% 0% 689% PREPAYMENT HISTORY(CPR): 9.11% 11.39% 0.00% 13.47% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 18 1.5863% $4,~~489~~568,~~068~~477.5756 1.4451% $4,~~494~~572,~~670~~018.1318 1.4451% (2) 60-89 Days 63 0.5327% $21,~~005~~003,~~098~~906.1136 0.6433% $21,~~008~~006,~~113~~296.8759 0.6433% (2) 90 + Days 919 01.7972% $35,~~173~~820,~~452~~370.9568 1.0293% $35,~~183~~846,~~312~~120.08 1.0293% REAL ESTATE OWNED BY THE TRUST 13 0.0927% $~~178~~641,~~420~~649.0673 0.0621% $~~179~~646,~~616~~562.3851 0.0621% FORECLOSURES IN PROCESS 715 01.6236% $25,~~698~~144,~~352~~051.9527 01.8670% $25,~~708~~168,~~212~~030.0828 01.8771% BANKRUPTCIES IN PROCESS 1 0.09% $~~389~~124,~~923~~066.9118 0.1204% $~~390~~124,~~117~~066.5918 0.1204% PURCHASE AMOUNT ADVANCES NA

(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 2007-02 Payment Date: 12/26/2007

------------------------------------------------------------------------------------ Item 2007-02 1 2007-02 2 2007-02 Total ------------------------------------------------------------------------------------ Collateral Description 1 2 Total Net WAC RATE 6.~~61776~~61594% 6.~~21086~~21114% 6.~~60454~~60258% Principal and Interest Constant 1,~~866~~821,~~875~~816.9156 91,~~461~~486.0111 1,~~958~~913,~~336~~302.9267 Beginning Loan Count 1,~~100~~073 42 1,~~142~~115 Ending Loan Count 1,~~094~~064 42 1,~~136~~106 Loans Paid in Full 69 0 69 Beginning Scheduled Balance ~~303~~294,~~023~~732,~~913~~374.4665 10,~~178~~057,~~464~~999.2588 ~~313~~304,~~202~~790,~~377~~374.7153 Ending Scheduled Balance ~~301~~292,~~982~~126,~~705~~574.7128 10,~~137~~017,~~334~~771.3966 ~~312~~302,~~120~~144,~~040~~345.1094 Scheduled Principal ~~195~~196,~~758~~873.7357 3839,~~780~~426.1842 ~~234~~236,~~538~~299.9199 Unscheduled Principal ~~845~~2,~~449~~408,926.0280 ~~2,349~~801.6880 ~~847~~2,~~798~~409,728.7060 Scheduled Interest 1,~~671~~624,~~117~~942.1899 52,~~680~~059.8369 1,~~723~~677,~~798~~002.0168 Net Servicing Fee 6250,~~283~~992.6849 21,~~535~~839.2260 6452,~~818~~832.9009 Administration Fee 0.00 0.00 0.00 Fraud Loss Amount N/A N/A 6,955,611.60 Amount of any Fraud Losses N/A N/A 0.00 Bankruptcy Amount N/A N/A 120,274.00 Amount of any Bankruptcy Losses N/A N/A 0.00 Special Hazard Amount N/A N/A 4,000,000.00 Amount of any Special Hazard Losses N/A N/A 0.00 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Amount of P&I Advances 1,~~521~~719,~~571~~499.8159 3958,~~706~~041.8150 1,~~561~~777,~~278~~541.6209

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Filing Compare · Citigroup Mortgage Loan Trust 2007-2