10-D 1 final_2007-ar7.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: 333-138237-15 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2007-AR7 ------------------------------------------------------------------------ (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 A1A { } { } {X} _____________ Class A2A { } { } {X} _____________ Class A2B { } { } {X} _____________ Class A3A { } { } {X} _____________ Class 3IO { } { } {X} _____________ Class A4A { } { } {X} _____________ Class 4IO { } { } {X} _____________ Class A134B { } { } {X} _____________ Class A5A { } { } {X} _____________ Class A5B { } { } {X} _____________ Class 1-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-AR7 (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-AR7 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 #: 7 Trustee U.S. Bank National Association Clare O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Valentina Polonskaya (636) 261-1342 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-AR7 Payment Date: 12/26/2007

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-AR7 Payment Date: 12/26/2007

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR7 Payment Date: 12/26/2007

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2007-AR7 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 12/26/2007 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$6,658,820.79 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- $8,543,715.41 $0.00 $0.00 $8,543,715.41 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: Loan Group 2 Sequential Trigger Event Test Calc % Trigger % Delinquencies 9.703% 4.225% Cum Losses 0.000% 0.750% Is a Group 2 Sequential Trigger Event in EffYes 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-AR7 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-AR7 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-AR7 Payment Date: 12/26/2007 2007-AR7 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.97% 5.97% WAM 359 353 352 AVG LTV 73 73 73 AVG LOAN SIZE $604,500 $603,069 $604,261 # OF LOANS 362 354 353 ACTUAL BALANCE $218,835,466.82 $213,496,826.30 $213,317,064.74 SCHEDULED BALANCE $218,829,114.75 $213,486,436.50 $213,303,977.75 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 64.02% Single Family 64.41% PUD 20.37% PUD 21.54% Condo 10.94% Condo 11.21% 2-4 Family 2.77% 2-4 Family 2.84% Other 1.90% Other 0.00% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 56% CA 57% 65% AND BELOW 19% 19% FL 6% FL 6% 65.01-75% 24% 24% WA 5% WA 5% 75.01-80% 56% 56% NV 4% NV 4% OVER 80% 1% 1% VA 4% VA 4% OTHER 25% OTHER 24% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $13,892.44 PRINCIPAL PREPAYMENTS: $168,566.31 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 56% 146% 0% 383% PREPAYMENT HISTORY(CPR): 0.95% 2.19% 0.00% 4.22% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR7 2 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 7.43% 7.42% WAM 357 351 350 AVG LTV 77 77 77 AVG LOAN SIZE $202,858 $202,643 $202,595 # OF LOANS 668 613 608 ACTUAL BALANCE $135,514,576.29 $124,235,205.46 $123,195,176.44 SCHEDULED BALANCE $135,509,174.27 $124,220,216.84 $123,177,962.02 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 54.33% Single Family 53.69% PUD 17.75% PUD 17.77% Condo 14.50% Condo 14.49% 2-4 Family 13.42% 2-4 Family 14.05% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT FL 22% FL 23% 65% AND BELOW 6% 6% CA 13% CA 13% 65.01-75% 30% 30% IL 8% IL 8% 75.01-80% 52% 52% AZ 6% AZ 6% OVER 80% 12% 12% NJ 4% NJ 4% OTHER 47% OTHER 46% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $14,746.48 PRINCIPAL PREPAYMENTS: $1,027,508.34 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 463% 582% 0% 1,027% PREPAYMENT HISTORY(CPR): 9.49% 10.76% 0.00% 14.97% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR7 3 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 7.29% 7.27% WAM 358 352 351 AVG LTV 76 76 76 AVG LOAN SIZE $658,554 $656,889 $656,750 # OF LOANS 465 430 426 ACTUAL BALANCE $306,235,866.38 $282,485,941.52 $279,803,318.03 SCHEDULED BALANCE $306,227,788.00 $282,462,340.65 $279,775,624.01 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 59.27% Single Family 59.14% PUD 22.98% PUD 24.15% Condo 13.86% Condo 12.82% 2-4 Family 3.75% 2-4 Family 3.89% Other 0.14% Other 0.00% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 40% CA 41% 65% AND BELOW 9% 8% FL 22% FL 22% 65.01-75% 27% 27% AZ 5% AZ 5% 75.01-80% 61% 62% NJ 4% NJ 5% OVER 80% 3% 3% NV 4% NV 4% OTHER 25% OTHER 23% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $15,201.29 PRINCIPAL PREPAYMENTS: $2,671,515.35 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 594% 541% 0% 1,167% PREPAYMENT HISTORY(CPR): 10.78% 8.73% 0.00% 14.29% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR7 4 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 7.38% 7.38% WAM 357 351 350 AVG LTV 81 81 80 AVG LOAN SIZE $237,853 $237,214 $237,209 # OF LOANS 305 289 288 ACTUAL BALANCE $72,548,154.73 $68,561,773.24 $68,323,535.45 SCHEDULED BALANCE $72,545,109.99 $68,554,849.73 $68,316,188.07 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 48.13% Single Family 47.15% PUD 29.34% PUD 29.70% Condo 11.43% Condo 12.12% 2-4 Family 11.10% 2-4 Family 11.03% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT FL 28% FL 27% 65% AND BELOW 2% 2% CA 13% CA 13% 65.01-75% 15% 15% NJ 9% NJ 9% 75.01-80% 67% 68% AZ 7% AZ 7% OVER 80% 16% 15% NY 6% NY 6% OTHER 37% OTHER 38% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $7,647.72 PRINCIPAL PREPAYMENTS: $231,013.94 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 195% 207% 0% 671% PREPAYMENT HISTORY(CPR): 3.97% 3.79% 0.00% 9.66% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR7 5 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.24% 6.24% WAM 355 349 348 AVG LTV 73 72 72 AVG LOAN SIZE $543,924 $539,106 $538,995 # OF LOANS 216 209 209 ACTUAL BALANCE $117,498,660.65 $112,687,920.77 $112,664,963.72 SCHEDULED BALANCE $117,487,494.51 $112,673,100.81 $112,649,852.13 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 53.79% Single Family 54.75% PUD 28.87% PUD 28.32% Condo 14.85% Condo 14.34% 2-4 Family 2.49% 2-4 Family 2.59% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 34% CA 35% 65% AND BELOW 19% 19% FL 17% FL 16% 65.01-75% 27% 27% GA 7% GA 7% 75.01-80% 53% 53% VA 7% MD 7% OVER 80% 1% 1% MD 7% VA 6% OTHER 28% OTHER 29% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $16,894.52 PRINCIPAL PREPAYMENTS: $6,354.16 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 3% 337% 0% 442% PREPAYMENT HISTORY(CPR): 0.07% 6.53% 0.00% 6.80% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR7 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.83% 6.81% WAM 358 352 351 AVG LTV 75 75 75 AVG LOAN SIZE $421,924 $422,901 $423,155 # OF LOANS 2,016 1,895 1,884 ACTUAL BALANCE $850,632,724.87 $801,467,667.29 $797,304,058.38 SCHEDULED BALANCE $850,598,681.52 $801,396,944.53 $797,223,603.98 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 58.00% Single Family 58.06% PUD 20.99% PUD 23.53% Condo 13.14% Condo 12.80% 2-4 Family 5.49% 2-4 Family 5.61% Other 2.38% Other 0.00% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 37% CA 37% 65% AND BELOW 12% 11% FL 18% FL 18% 65.01-75% 26% 26% AZ 5% AZ 5% 75.01-80% 57% 58% NJ 4% NJ 4% OVER 80% 5% 5% VA 3% VA 3% OTHER 33% OTHER 33% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 8.00% $68,050,481.00 8.49% $67,717,405.62 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $68,382.45 PRINCIPAL PREPAYMENTS: $4,104,958.10 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 318% 394% 0% 807% PREPAYMENT HISTORY(CPR): 5.98% 6.63% 0.00% 10.43% 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-AR7 Payment Date: 12/26/2007

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Citigroup Mortgage Loan Trust Inc., Series 2007-AR7 10-D