SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 25, 2007

Citigroup Mortgage Loan Trust 2007-WFHE4

(As Issuing Entity)

Citigroup Mortgage Loan Trust Inc.

(As Depositor under the Pooling and Servicing Agreement, dated as of June 1, 2007, providing for the issuance of Asset-Backed Pass-Through Certificates, Series 2007-WFHE4)

Citigroup Global Markets Realty Corp.

(As Sponsor)

Delaware	333-138237-19	01-0791848
(State or Other Jurisdiction of Incorporation	(Commission File Number)	(I.R.S. Employer Identification Number)

390 Greenwich Street, 4^th Floor New York, New York (Address of Principal Executive Offices)		10013 (Zip Code)

Registrant's telephone number, including area code: (212) 816-6000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

[_] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[_] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b))

[_] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[_] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

SECTION 8- Other Events

Item 8.01 Other Events

Description of the Certificates and the Mortgage Pool

On October 31, 2007, a single series of certificates, entitled Citigroup Mortgage Loan Trust Inc., Asset-Backed Pass-Through Certificates, Series 2007-WFHE4 (the “Certificates”), were issued pursuant to a pooling and servicing agreement, dated as of October 1, 2007 (the “Agreement”), attached hereto as Exhibit 4.1, among the Citigroup Mortgage Loan Trust Inc. (the “Depositor”), Wells Fargo Bank, N.A. (the “Servicer”), Citibank, N.A. (the “Trust Administrator”) and U.S. Bank National Association, as trustee (including its successors in interest and any successor trustees under the Pooling Agreement, the “Trustee”). The Certificates consist of nineteen classes of certificates (collectively, the “Certificates”), designated as the “Class A-1 Certificates,” the “Class A-2A Certificates,” the “Class A-2B Certificates,” the “Class A-2C Certificates,” the “Class X-1 Certificates,” the “Class M-1 Certificates,” the “Class M-2 Certificates,” the “Class M-3A Certificates,” the “Class M-3B Certificates,” the “Class M-4 Certificates,” the “Class M-5 Certificates,” the “Class M-6 Certificates,” the “Class M-7 Certificates,” the “Class M-8 Certificates,” the “Class M-9 Certificates,” the “Class CE Certificates,” the “Class P Certificates,” the “Class R Certificates” and the “Class R-X Certificates”. The Certificates evidence in the aggregate the entire beneficial ownership interest in a trust fund (the “Trust Fund”), consisting primarily of a segregated pool (the “Mortgage Pool”) of conventional, one- to four-family, fixed-rate and adjustable-rate first lien and second lien mortgage loans having original terms to maturity up to 30 years (the “Mortgage Loans”). The Mortgage Pool consists of Mortgage Loans having an aggregate principal balance of $338,336,775, as of October 1, 2007 (the “Cut-off Date”). The Mortgage Loans were purchased pursuant to the Assignment and Recognition Agreement, dated October 31, 2007 (the “Assignment and Recognition Agreement”), among the Seller, the Depositor and Wells Fargo Bank, N.A. The Offered Certificates were sold by the Depositor to Citigroup Global Markets Inc. (in such capacity, the “Representative”), pursuant to an Underwriting Agreement, attached here as Exhibit 1.1, dated October 22, 2007, between the Depositor and the Representative.

The Class A-1 Certificates, Class CE Certificates and the Class P Certificates were delivered by the Depositor to the Seller as partial consideration for the mortgage loans constituting the pool assets and such transaction is exempt from registration under the Securities Act of 1933, as amended pursuant to Section 4(2) of that Act.

The Class R Certificates and the Class R-X Certificates were sold to Citigroup Global Markets Inc. in a transaction exempt from registration under the Securities Act of 1933, as amended pursuant to Section 4(2) of that Act.

The Certificates have the following Initial Certificate Principal Balances, Pass-Through Rates and Ratings:

Class	Initial Certificate Principal Balance		Pass-Through Rate	Ratings
Class	Initial Certificate Principal Balance		Pass-Through Rate	Moody’s	S&P
Class A-1	$	148,683,000.00	Variable⁽¹⁾	Aaa	AAA
Class A-2A	$	64,806,000.00	Variable⁽¹⁾	Aaa	AAA
Class A-2B	$	32,832,000.00	Variable⁽¹⁾	Aaa	AAA
Class A-2C	$	7,599,000.00	Variable⁽¹⁾	Aaa	AAA
Class X-1		Notional Amount	Variable⁽¹⁾	Aaa	AAA
Class M-1	$	9,812,000.00	Variable⁽¹⁾	Aa1	AA+
Class M-2	$	8,120,000.00	Variable⁽¹⁾	Aa1	AA
Class M-3A	$	6,507,000.00	Variable⁽¹⁾	Aa2	AA-
Class M-3B	$	8,380,000.00	Variable⁽¹⁾	Aa2	AA-
Class M-4	$	4,737,000.00	Variable⁽¹⁾	Aa3	A+
Class M-5	$	6,597,000.00	Variable⁽¹⁾	A1	A
Class M-6	$	5,245,000.00	Variable⁽¹⁾	A2	A-
Class M-7	$	3,552,000.00	Variable⁽¹⁾	A3	BBB+
Class M-8	$	2,538,000.00	Variable⁽¹⁾	Baa1	BBB
Class M-9	$	4,906,000.00	Variable⁽¹⁾	Baa2	BBB-
Class CE	$	24,022,674.00	Variable⁽²⁾	NR	NR
Class P	$	100.00	N/A	NR	NR
Class R		100% Interest	N/A	NR	NR
Class R-X		100% Interest	N/A	NR	NR

(1) Calculated as described in the Prospectus Supplement.

(2) Calculated as set forth in the Pooling and Servicing Agreement.

The Certificates (other than the Class A-1 Certificates, the Class CE Certificates, Class P Certificates, Class R Certificates and Class R-X Certificates) and the Mortgage Loans are more particularly described in the Prospectus, dated July 30, 2007, and the Prospectus Supplement, dated October 22, 2007, as previously filed with the Securities and Exchange Commission pursuant to Rule 424(b). Capitalized terms used but not otherwise defined herein shall have the meanings assigned to them in the Prospectus Supplement.

Section 9- Financial Statements and Exhibits

Item 9.01	Financial Statements and Exhibits

	(a)	Not applicable

	(b)	Not applicable

	(c)	Not applicable

	(d)	Exhibits

	Exhibit No.	Description

	1.1	Underwriting Agreement, dated as of October 22, 2007 by and between the Depositor and the Representative, relating to the Series 2007-WFHE4 Certificates.

	4.1	Pooling and Servicing Agreement, dated as of October 1, 2007, by and among the Citigroup Mortgage Loan Trust Inc., Wells Fargo Bank, N.A. as servicer, Citibank, N.A. as trust administrator and U.S. Bank National Association, as trustee, relating to the Series 2007-WFHE4 Certificates.

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.

Dated: November 6, 2007

CITIGROUP MORTGAGE LOAN TRUST INC.

By:

/s/ Matthew R. Bollo

Name:

Matthew R. Bollo

Title:

AVP

Index to Exhibits

Exhibit No.	Description

1.1	Underwriting Agreement, dated as of October 22, 2007 by and between the Depositor and the Representative, relating to the Series 2007-WFHE4 Certificates.

4.1	Pooling and Servicing Agreement, dated as of October 1, 2007, by and among the Citigroup Mortgage Loan Trust Inc., Wells Fargo Bank, N.A. as servicer, Citibank, N.A. as trust administrator and U.S. Bank National Association, as trustee, relating to the Series 2007-WFHE4 Certificates.

Citigroup Mortgage Loan Trust 2007-WFHE4 8-K