10-D 1 final_2007-06.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 August 1, 2007 to August 31, 2007 Commission File Number of issuing entity: 333-138237-13 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2007-06 ------------------------------------------------------------------------ (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-A1B { } { } {X} _____________ Class 1-1IO { } { } {X} _____________ Class 1-A2A { } { } {X} _____________ Class 1-A3A { } { } {X} _____________ Class 1-A23B { } { } {X} _____________ Class 1-23IO { } { } {X} _____________ Class 1-A4A { } { } {X} _____________ Class 1-A4B { } { } {X} _____________ Class 1-4IO { } { } {X} _____________ Class 2-A1 { } { } {X} _____________ Class 2-A2 { } { } {X} _____________ Class 2-A3 { } { } {X} _____________ Class 2-A4 { } { } {X} _____________ Class 2-A5 { } { } {X} _____________ Class 2-A6 { } { } {X} _____________ Class 2-PO { } { } {X} _____________ Class 2-XS { } { } {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} _____________ 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 August 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 2007-06 (Issuing Entity) CitiMortgage, Inc. Master Servicer By: /s/ Tommy Harris ---------------------------- Tommy Harris Senior Vice President Dated: September 24, 2007 3 4 EXHIBIT 99.1 ------------ Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-06 Payment Date: 09/25/2007 Issuer: Citigroup Mortgage Loan Trust Inc. Record Date: 31-Aug-07 Determination Date: See Foot Note Distribution Date: 25-Sep-07 Distribution #: 5 Trustee U.S. Bank National Association Clare O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Cynthia Andrews (636) 261-1358 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 2007-06 Payment Date: 09/25/2007

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 2007-06 Payment Date: 09/25/2007

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-06 Payment Date: 09/25/2007

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2007-06 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 09/25/2007 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$5,948,902.23 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- 17,961,083.17 $0.00 $6,779.28 $17,954,303.89 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: Floater Cap Carryover Account Begin Remaining Balance Deposits Withdrawels Balance ------------------------------------------------ $0.00 $0.00 $0.00 $0.00 Cap Amount for the benefit of covered classes: $0.00 Cap Account ----------- Begin Remaining Balance Deposits Withdrawals Balance ----------------------------------------------- $0.00 $0.00 $0.00 $0.00 Withdrawals from Certificate Account Type Retained by CMI Amount Balance -------------------------------------------------------------------- Advisor Fee No $6,779.28 $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 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-06 Payment Date: 09/25/2007 Loans repurchased in the current period: Loan Number Scheduled Principal Balance Pool/Group -------------------------------------------------------- No repurchases for this period 10 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-06 Payment Date: 09/25/2007 2007-06 1A COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.40% 6.38% WAM 357 353 352 AVG LTV 73 73 74 AVG LOAN SIZE $451,059 $446,996 $440,186 # OF LOANS 208 189 184 ACTUAL BALANCE $93,824,080.98 $84,488,489.25 $81,000,385.96 SCHEDULED BALANCE $93,820,367.25 $84,482,283.82 $80,994,165.66 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 78.85% Single Family 77.34% PUD 12.67% PUD 13.96% Condo 4.48% Condo 4.81% 2-4 Family 4.00% 2-4 Family 3.89% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 41% CA 44% 65% AND BELOW 17% 17% FL 17% FL 16% 65.01-75% 30% 28% MD 6% MD 5% 75.01-80% 46% 48% NJ 4% NJ 3% OVER 80% 7% 7% IL 3% NY 3% OTHER 29% OTHER 29% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $7,731.79 PRINCIPAL PREPAYMENTS: $3,480,386.37 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 2,474% 2,590% 0% 2,439% PREPAYMENT HISTORY(CPR): 39.65% 36.52% 0.00% 29.66% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-06 1B COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.93% 6.91% WAM 356 352 351 AVG LTV 77 77 77 AVG LOAN SIZE $227,354 $227,042 $226,840 # OF LOANS 1,220 1,153 1,144 ACTUAL BALANCE $277,373,901.73 $261,794,921.35 $259,521,565.87 SCHEDULED BALANCE $277,371,887.62 $261,779,430.72 $259,504,878.94 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 41.33% Single Family 41.30% PUD 39.52% PUD 40.19% Condo 10.97% Condo 10.74% 2-4 Family 8.18% 2-4 Family 7.77% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 22% CA 21% 65% AND BELOW 7% 6% FL 16% FL 17% 65.01-75% 21% 20% NV 7% NV 8% 75.01-80% 65% 67% NJ 6% NJ 6% OVER 80% 7% 7% AZ 6% AZ 5% OTHER 43% OTHER 43% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $17,186.58 PRINCIPAL PREPAYMENTS: $2,257,365.20 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 534% 776% 0% 1,010% PREPAYMENT HISTORY(CPR): 9.87% 12.82% 0.00% 14.70% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-06 1C COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.64% 6.62% WAM 357 353 352 AVG LTV 76 76 76 AVG LOAN SIZE $666,825 $660,631 $656,888 # OF LOANS 556 540 535 ACTUAL BALANCE $370,770,369.51 $356,760,527.60 $351,458,824.72 SCHEDULED BALANCE $370,754,487.63 $356,740,580.93 $351,435,281.89 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 78.86% Single Family 78.95% PUD 14.54% PUD 14.79% 2-4 Family 3.44% 2-4 Family 3.40% Condo 3.04% Condo 2.74% Other 0.12% Other 0.12% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 52% CA 51% 65% AND BELOW 15% 15% FL 12% FL 12% 65.01-75% 28% 27% VA 4% AZ 4% 75.01-80% 54% 55% AZ 4% VA 4% OVER 80% 3% 3% WA 3% NY 3% OTHER 25% OTHER 26% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $19,624.96 PRINCIPAL PREPAYMENTS: $5,285,674.08 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 997% 846% 0% 958% PREPAYMENT HISTORY(CPR): 16.40% 12.24% 0.00% 12.00% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-06 1D COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.66% 6.67% WAM 356 352 351 AVG LTV 75 75 75 AVG LOAN SIZE $451,088 $439,742 $439,699 # OF LOANS 197 187 187 ACTUAL BALANCE $88,865,617.80 $82,233,736.32 $82,225,865.52 SCHEDULED BALANCE $88,864,395.56 $82,231,719.74 $82,223,681.65 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 54.50% Single Family 52.66% PUD 25.82% PUD 26.59% Condo 12.47% Condo 12.98% 2-4 Family 7.14% 2-4 Family 7.69% Other 0.07% Other 0.08% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 46% CA 45% 65% AND BELOW 17% 14% FL 12% FL 12% 65.01-75% 20% 22% VA 9% VA 9% 75.01-80% 57% 58% NV 5% NV 5% OVER 80% 6% 6% GA 3% NY 4% OTHER 25% OTHER 25% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $3,758.79 PRINCIPAL PREPAYMENTS: $4,279.30 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 4% 577% 0% 1,268% PREPAYMENT HISTORY(CPR): 0.06% 8.79% 0.00% 16.96% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-06 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.71% 6.70% WAM 357 353 352 AVG LTV 76 76 76 AVG LOAN SIZE $380,931 $379,523 $377,638 # OF LOANS 2,181 2,069 2,050 ACTUAL BALANCE $830,833,970.02 $785,277,674.52 $774,206,642.07 SCHEDULED BALANCE $830,811,138.06 $785,234,015.21 $774,158,008.14 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 63.73% Single Family 63.37% PUD 23.87% PUD 24.47% Condo 6.86% Condo 6.73% 2-4 Family 5.48% 2-4 Family 5.37% Other 0.06% Other 0.06% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 40% CA 40% 65% AND BELOW 13% 12% FL 14% FL 14% 65.01-75% 25% 24% AZ 4% NV 5% 75.01-80% 57% 59% VA 4% VA 4% OVER 80% 5% 5% NV 4% AZ 4% OTHER 34% OTHER 33% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 7.50% $62,306,906.14 8.03% $62,200,943.20 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $48,302.12 PRINCIPAL PREPAYMENTS:$11,027,704.95 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 910% 995% 0% 1,171% PREPAYMENT HISTORY(CPR): 15.61% 15.11% 0.00% 15.53% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-06 2 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.97% 6.97% WAM 356 352 351 AVG LTV 77 77 77 AVG LOAN SIZE $271,436 $269,363 $269,347 # OF LOANS 873 860 855 ACTUAL BALANCE $236,963,993.63 $231,689,667.53 $230,334,329.85 SCHEDULED BALANCE $236,963,610.76 $231,652,147.22 $230,291,975.75 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 48.81% Single Family 49.03% PUD 39.15% PUD 39.05% 2-4 Family 6.06% 2-4 Family 5.96% Condo 5.98% Condo 5.96% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 42% CA 42% 65% AND BELOW 7% 7% GA 13% GA 13% 65.01-75% 15% 15% FL 12% FL 13% 75.01-80% 74% 74% NJ 5% NJ 5% OVER 80% 4% 4% NY 5% NY 5% OTHER 23% OTHER 22% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 7.75% $18,365,557.00 7.97% $18,347,618.27 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $46,532.08 PRINCIPAL PREPAYMENTS: $1,313,639.39 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 401% 498% 0% 513% PREPAYMENT HISTORY(CPR): 6.61% 7.21% 0.00% 6.41% 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 2007-06 Payment Date: 09/25/2007

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Citigroup Mortgage Loan Trust 2007-6 10-D