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 August 1, 2007 to August 31, 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 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-AR7 (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-AR7 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 #: 4 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

--------------------------------------------------------------------------------------------------------------------------------- Next Accrual Accrual Current Succeeding Start End Class Coupon Type Coupon Coupon Date Date Original Par CUSIP # --------------------------------------------------------------------------------------------------------------------------------- A1A Variable Spr Snr 5.~~75351~~75002% 5.~~75310~~74948% 0508/01/2007 0508/31/2007 $183,815,000.00 17312YAA0 A2A Variable Spr Snr 7.~~10256~~09616% 7.~~09778~~09418% 0508/01/2007 0508/31/2007 $117,893,000.00 17312YAB8 A2B Variable Spr Snr Sup 7.~~10256~~09616% 7.~~09778~~09418% 0508/01/2007 0508/31/2007 $6,775,000.00 17312YAC6 A3A Variable Spr Snr 6.~~15630~~14017% 6.~~14206~~13919% 0508/01/2007 0508/31/2007 $257,230,000.00 17312YAD4 ** 3IO WAC IO 0.89772% 0.89772% 0508/01/2007 0508/31/2007 $281,729,000.00 17312YAE2 A4A Variable Spr Snr 6.~~15006~~14568% 6.~~14658~~14567% 0508/01/2007 0508/31/2007 $60,937,000.00 17312YAF9 ** 4IO WAC IO 0.89096% 0.89096% 0508/01/2007 0508/31/2007 $66,741,000.00 17312YAG7 A134B Variable Spr Snr Sup 65.~~00805~~99465% 5.~~99834~~99295% 0508/01/2007 0508/31/2007 $47,810,000.00 17312YAH5 A5A Variable Spr Snr 5.~~91894~~91325% 5.~~91893~~91549% 0508/01/2007 0508/31/2007 $98,688,000.00 17312YAJ1 A5B Variable Spr Snr Sup 5.~~91894~~91325% 5.~~91893~~91549% 0508/01/2007 0508/31/2007 $9,400,000.00 17312YAK8 1-P Prepay ~~Chg~~Chgs 0.00000% 0.00000% 05N/~~01/2007~~A 05N/~~31/2007~~A $100.00 17312YAP7 ------------------- Class A Total $782,548,100.00 1-R Residual 70.~~05402~~00000% 0.00000% N/A N/A $100.52 17312TAT9 ------------------- Class RES Total $100.52 B1 Variable 6.~~56929~~55826% 6.~~56299~~55777% 0508/01/2007 0508/31/2007 $21,267,000.00 17312YAL6 B2 Variable 6.~~56929~~55826% 6.~~56299~~55777% 0508/01/2007 0508/31/2007 $15,736,000.00 17312YAM4 B3 Variable 6.~~56929~~55826% 6.~~56299~~55777% 0508/01/2007 0508/31/2007 $12,334,000.00 17312YAN2 B4 Variable 6.~~56929~~55826% 6.~~56299~~55777% 0508/01/2007 0508/31/2007 $9,356,000.00 17312YAQ5 B5 Variable 6.~~56929~~55826% 6.~~56299~~55777% 0508/01/2007 0508/31/2007 $5,104,000.00 17312YAR3 B6 Variable 6.~~56929~~55826% 6.~~56299~~55777% 0508/01/2007 0508/31/2007 $4,253,481.00 17312YAS1 ------------------- Class SUB Total $68,050,481.00 =================== $850,598,681.52 ** 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-AR7 Payment Date: 09/25/2007

----------------------------------------------------------------------------------------------------------------------------------- Non Supported Net WAC Relief Act. Interest Interest Interest Interest Interest Interest Principal CLASS Accrued Shortfall Carryover Shortfall Shortfall Recoveries Recoveries Interest Paid ----------------------------------------------------------------------------------------------------------------------------------- A1A $~~881~~864,~~318~~129.5126 $~~106~~0.1000 $0.00 0.00 $0.00 $0.00 $0.00 $~~881~~864,~~212~~129.4126 A2A $~~697~~658,~~785~~077.2243 $840.0100 $0.00 0.00 $0.00 $0.00 $0.00 $~~697~~658,~~701~~077.2143 A2B $4037,~~099~~817.8898 $40.8300 $0.00 0.00 $0.00 $0.00 $0.00 $4037,~~095~~817.0598 A3A $1,~~319~~244,~~654~~294.7091 $~~158~~0.8700 $0.00 0.00 $0.00 $0.00 $0.00 $1,~~319~~244,~~495~~294.8391 3IO $~~210~~199,~~761~~247.4687 $250.3700 $0.00 0.00 $0.00 $0.00 $0.00 $~~210~~199,~~736~~247.0987 A4A $~~312~~295,~~305~~923.1456 $370.6000 $0.00 0.00 $0.00 $0.00 $0.00 $~~312~~295,~~267~~923.5456 4IO $4946,~~552~~987.9718 $50.9700 $0.00 0.00 $0.00 $0.00 $0.00 $4946,~~547~~987.0018 A134B $~~239~~228,~~370~~995.8199 $280.8200 $0.00 0.00 $0.00 $0.00 $0.00 $~~239~~228,~~341~~995.99 A5A $~~486~~475,~~773~~680.3253 $580.6000 $0.00 0.00 $0.00 $0.00 $0.00 $~~486~~475,~~714~~680.7253 A5B $4645,~~365~~308.0042 $50.5800 $0.00 0.00 $0.00 $0.00 $0.00 $4645,~~359~~308.42 1-P $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 ---------------------------------------------------------------------------------------------------------------------- A Total $4,~~283~~096,~~987~~463.0113 $~~515~~0.7500 $0.00 0.00 $0.00 $0.00 $0.00 $4,~~283~~096,~~471~~463.2613 1-R $10.0649 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $10.0649 ---------------------------------------------------------------------------------------------------------------------- RES Total $10.0649 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $10.0649 B1 $~~116~~115,~~424~~699.1803 $140.0200 $0.00 0.00 $0.00 $0.00 $0.00 $~~116~~115,~~410~~699.1603 B2 $8685,~~145~~608.2569 $100.3700 $0.00 0.00 $0.00 $0.00 $0.00 $8685,~~134~~608.8869 B3 $67,~~521~~100.3276 $80.1300 $0.00 0.00 $0.00 $0.00 $0.00 $67,~~513~~100.1976 B4 $5150,~~218~~899.5452 $60.1700 $0.00 0.00 $0.00 $0.00 $0.00 $5150,~~212~~899.3752 B5 $27,~~941~~767.3733 $30.3600 $0.00 0.00 $0.00 $0.00 $0.00 $27,~~938~~767.0133 B6 $23,~~285~~140.2825 $20.8000 $0.00 0.00 $0.00 $0.00 $0.00 $23,~~282~~140.4825 ---------------------------------------------------------------------------------------------------------------------- SUB Total $~~372~~370,~~535~~215.9458 $440.8500 $0.00 0.00 $0.00 $0.00 $0.00 $~~372~~370,~~491~~215.0958 ====================================================================================================================== Total $4,~~656~~466,~~524~~679.0120 $~~560~~0.6000 $0.00 0.00 $0.00 $0.00 $0.00 $4,~~655~~466,~~963~~679.4120

------------------------------------------------------------------------------------------------------------------ Interest Cum Net WAC Cum Unpaid Paid Per Interest Interest CLASS Certificate Carryover Amount Shortfalls ------------------------------------------------------------------------------------------------------------------ A1A 4.~~79401795~~70108130 $0.00 $0.00 A2A 5.~~91808852~~58198901 $0.00 $0.00 A2B 5.~~91808856~~58198967 $0.00 $0.00 A3A 54.~~12963430~~83728535 $0.00 $0.00 3IO 0.~~74800993~~70723238 $0.00 $0.00 A4A 54.~~12443245~~85622134 $0.00 $0.00 4IO 0.~~74237725~~70402271 $0.00 $0.00 A134B 54.~~00610730~~78970906 $0.00 $0.00 A5A 4.~~93185311~~82004428 $0.00 $0.00 A5B 4.~~93185319~~82004468 $0.00 $0.00 1-P 0.00000000 $0.00 $0.00 ------------------------------------------------------------------------------- A Total $0.00 $0.00 1-R 104.~~54516514~~87465181 $0.00 $0.00 ------------------------------------------------------------------------------- RES Total $0.00 $0.00 B1 5.~~47374618~~44030799 $0.00 $0.00 B2 5.~~47374682~~44030821 $0.00 $0.00 B3 5.~~47374655~~44030809 $0.00 $0.00 B4 5.~~47374626~~44030782 $0.00 $0.00 B5 5.~~47374804~~44030760 $0.00 $0.00 B6 5.~~47374727~~44030877 $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-AR7 Payment Date: 09/25/2007

--------------------------------------------------------------------------------------------------------------- Certificate Reductions not part of Principal distributions Paid Cumulative Principal to reduce Principal Per Principal CLASS Due Stated Amount Paid Certificate Loss --------------------------------------------------------------------------------------------------------------- A1A $~~664~~452,~~796~~346.8333 $0.00 $~~664~~452,~~796~~346.8333 32.~~61666257~~46087822 0.00 A2A $1,~~218~~560,~~703~~296.6235 $0.00 $1,~~218~~560,~~703~~296.6235 1013.~~33737050~~23485152 0.00 A2B $7089,~~035~~666.6812 $0.00 $7089,~~035~~666.6812 1013.~~33736974~~23485166 0.00 A3A $64,~~504~~030,~~816~~852.2262 $0.00 $64,~~504~~030,~~816~~852.2262 2515.~~28793772~~67022750 0.00 3IO $.00 $0.00 $.00 0.00000000 0.00 A4A $16,~~040,202~~177.4897 $0.00 $16,~~040,202~~177.4897 170.~~07012948~~10138290 0.00 4IO $.00 $0.00 $.00 0.00000000 0.00 A134B $~~781~~427,~~921~~575.1393 $0.00 $~~781~~427,~~921~~575.1393 168.~~35476114~~94323217 0.00 A5A $24458,~~806~~764.7536 $0.00 $24458,~~806~~764.7536 04.~~25136541~~64863367 0.00 A5B $243,~~362~~697.8416 $0.00 $243,~~362~~697.8416 04.~~25136596~~64863404 0.00 1-P $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A Total $107,~~307~~069,~~645~~376.5584 $0.00 $107,~~307~~069,~~645~~376.5584 0.00 1-R $~~100~~.5200 $0.00 $~~100~~.5200 ~~1,000~~0.00000000 0.00 ---------------------------------------------------------------------------------------------------- RES Total $~~100~~.5200 $0.00 $~~100~~.5200 0.00 B1 $1,~~715~~753.2048 $0.00 $1,~~715~~753.2048 0.~~08065077~~08245075 0.00 B2 $1,~~269~~297.1245 $0.00 $1,~~269~~297.1245 0.~~08065074~~08245107 0.00 B3 $~~994~~1,016.7495 $0.00 $~~994~~1,016.7495 0.~~08065024~~08245095 0.00 B4 $~~754~~771.5741 $0.00 $~~754~~771.5741 0.~~08065092~~08245083 0.00 B5 $~~411~~420.6483 $0.00 $~~411~~420.6483 0.~~08065047~~08245102 0.00 B6 $~~343~~350.0470 $0.00 $~~343~~350.0470 0.~~08064924~~08245012 0.00 ---------------------------------------------------------------------------------------------------- SUB Total $5,~~488~~610.3182 $0.00 $5,~~488~~610.3182 0.00 ===================================================================================================== Total $107,~~313~~074,~~234~~987.3866 $0.00 $107,~~313~~074,~~234~~987.3866 0.00

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR7 Payment Date: 09/25/2007

----------------------------------------------------------------------------------------------------------------------------------- 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 ----------------------------------------------------------------------------------------------------------------------------------- A1A $~~183~~180,~~815~~339,~~000~~329.0019 $~~183~~179,~~150~~886,~~203~~982.1786 ~~1,000~~981.~~00000000~~09147344 ~~996~~978.~~38333743~~63059522 0.~~99638334~~97863060 83.~~999334462~~871223977% 83.~~975329029~~854478723% 91.303980687% A2A $~~117~~111,~~893~~284,~~000~~551.0036 $~~116~~109,~~674~~724,~~296~~255.3801 ~~1,000~~943.~~00000000~~94536877 ~~989~~930.~~66262950~~71051725 0.~~98966263~~93071052 8786.~~000013567~~648832204% 86.~~928174181~~546654598% 94.565566143% A2B $6,~~775~~395,~~000~~229.0088 $6,~~704~~305,~~964~~563.3276 ~~1,000~~943.~~00000000~~94536974 ~~989~~930.~~66263026~~71051808 0.~~98966263~~93071052 4.~~999661489~~979480026% 4.~~995533072~~973608148% 5.434433856% A3A $~~257~~243,~~230~~177,~~000~~899.0061 $~~250~~239,~~725~~147,~~183~~046.7899 ~~1,000~~945.~~00000000~~37145593 ~~974~~929.~~71206228~~70122843 0.~~97471206~~92970123 83.~~999561790~~651476415% 83.~~825966452~~533853873% 91.304054605% ** 3IO $~~281~~266,~~729~~338,~~000~~554.0091 $~~274~~261,~~604~~923,~~654~~797.5939 ~~1,000~~945.~~00000000~~37145594 ~~974~~929.~~71206227~~70122845 0.~~97471206~~92970123 0.000000000% 0.000000000% 0.000000000% A4A $6057,~~937~~781,~~000~~755.0088 $5957,~~896~~775,~~797~~577.5291 ~~1,000~~948.~~00000000~~22121010 ~~982~~948.~~92987052~~11982720 0.~~98292987~~94811983 83.~~998769880~~730668015% 83.~~882990710~~730668023% 91.303696378% ** 4IO $6663,~~741~~285,~~000~~231.0078 $6563,~~601~~278,~~722~~465.4938 ~~1,000~~948.~~00000000~~22121005 ~~982~~948.~~92987054~~11982709 0.~~98292987~~94811983 0.000000000% 0.000000000% 0.000000000% A134B $4745,~~810~~840,~~000~~099.0063 $4745,~~028~~412,~~078~~523.8770 ~~1,000~~958.~~00000000~~79731500 ~~983~~949.~~64523886~~85408283 0.~~98364524~~94985408 21.~~848098254~~319061574% 21.~~562620889~~169088734% 26.088268328% A5A $9896,~~688~~531,~~000~~873.0024 $9896,~~663~~073,~~193~~108.2588 ~~1,000~~978.~~00000000~~15208779 ~~999~~973.~~74863459~~50345412 0.~~99974863~~97350345 83.~~998727193~~851775004% 83.~~997976016~~820100346% 91.303382429% A5B $9,~~400~~194,~~000~~629.0062 $9,~~397~~150,~~637~~932.1646 ~~1,000~~978.~~00000000~~15208723 ~~999~~973.~~74863404~~50345319 0.~~99974863~~97350345 87.~~000851528~~986854375% 87.~~000779974~~983837371% 8.696617570% 1-P $100.00 $100.00 1,000.000000001,000.00000000 1.00000000 0.~~000045697~~000046507% 0.~~000045850~~000046615% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A Total $~~782~~750,~~548~~545,~~100~~468.0041 $~~772~~743,~~240~~476,~~454~~091.4557 % % % 1-R $~~100~~.5200 $.00 ~~1,000~~0.00000000 0.00000000 0.00000000 0.~~000032825~~000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- RES Total $~~100~~.5200 $.00 0.~~000032825~~000000000% 0.000000000% 0.000000000% B1 $21,~~267~~170,~~000~~059.0064 $21,~~265~~168,~~284~~306.8016 ~~1,000~~995.~~00000000~~44174731 ~~999~~995.~~91934923~~35929656 0.~~99991935~~99535930 2.~~500239003~~587123071% 2.~~530721539~~609470550% 0.000000000% B2 $15,~~736~~664,~~000~~271.0033 $15,~~734~~662,~~730~~973.88 ~~1,000~~995.~~00000000~~44174695 ~~999~~995.~~91934926~~35929588 0.~~99991935~~99535930 1.~~849991111~~914278865% 1.~~872545922~~930814339% 0.000000000% B3 $12,~~334~~277,~~000~~778.0052 $12,~~333~~276,~~005~~761.2657 ~~1,000~~995.~~00000000~~44174801 ~~999~~995.~~91934976~~35929707 0.~~99991935~~99535930 1.~~450037516~~500426763% 1.~~467716155~~513387397% 0.000000000% B4 $9,~~356~~313,~~000~~352.0098 $9,~~355~~312,~~245~~581.4357 ~~1,000~~995.~~00000000~~44174647 ~~999~~995.~~91934908~~35929564 0.~~99991935~~99535930 1.~~099931166~~138154109% 1.~~113341360~~147985444% 0.000000000% B5 $5,~~104~~080,~~000~~734.0067 $5,~~103~~080,~~588~~313.3684 ~~1,000~~995.~~00000000~~44174569 ~~999~~995.~~91934953~~35929467 0.~~99991935~~99535929 0.~~600047955~~620899804% 0.~~607363649~~626263115% 0.000000000% B6 $4,~~253~~234,~~481~~092.0057 $4,~~253~~233,~~137~~741.9687 ~~1,000~~995.~~00000000~~44174995 ~~999~~995.~~91935076~~35929983 0.~~99991935~~99535930 0.~~500057323~~517434469% 0.~~506153947~~521904050% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB Total $6867,~~050~~740,~~481~~289.0071 $6867,~~044~~734,~~992~~678.6989 8.~~000304077~~278317084% 8.~~097842575~~349824898% 0.000000000% ====================================================================================================================== Total $~~850~~818,~~598~~285,~~681~~758.5212 $~~840~~811,~~285~~210,~~447~~770.1446 PO Balance $.00 $.00 Non PO Bal $~~850~~818,~~598~~285,~~681~~758.5212 $~~840~~811,~~285~~210,~~447~~770.1446

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2007-AR7 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 09/25/2007 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$4,867,988.47 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- 11,541,666.86 $0.00 $0.00 $11,541,666.86 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 3.596% 4.139% Cum Losses 0.000% 0.750% Is a Group 2 Sequential Trigger Event in Effect? No 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: 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-AR7 Payment Date: 09/25/2007 2007-AR7 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.97% 5.97% WAM 359 356 355 AVG LTV 73 73 73 AVG LOAN SIZE $604,500 $603,987 $604,290 # OF LOANS 362 356 355 ACTUAL BALANCE $218,835,466.82 $215,030,783.65 $214,534,432.82 SCHEDULED BALANCE $218,829,114.75 $215,019,312.51 $214,522,808.56 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 64.02% Single Family 64.13% PUD 20.37% PUD 21.89% Condo 10.94% Condo 11.15% 2-4 Family 2.77% 2-4 Family 2.83% 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: $13,205.63 PRINCIPAL PREPAYMENTS: $483,298.32 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 244% 704% 0% 713% PREPAYMENT HISTORY(CPR): 2.67% 6.34% 0.00% 5.72% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 6 1.6769% $3,~~284~~296,~~500~~040.0074 1.5154% $3,~~284~~296,~~500~~040.0074 1.5154% (2) 60-89 Days 03 0.0085% $01,615,528.0077 0.0075% $01,617,018.0044 0.0075% (2) 90 + Days 01 0.0028% $0420,000.00 0.0020% $0420,000.00 0.0020% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA

(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 357 354 353 AVG LTV 77 77 77 AVG LOAN SIZE $202,858 $202,574 $201,880 # OF LOANS 668 634 628 ACTUAL BALANCE $135,514,576.29 $128,444,941.42 $126,793,768.70 SCHEDULED BALANCE $135,509,174.27 $128,431,680.53 $126,780,469.47 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 54.33% Single Family 53.37% PUD 17.75% PUD 18.18% Condo 14.50% Condo 14.45% 2-4 Family 13.42% 2-4 Family 14.00% 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: $14,914.45 PRINCIPAL PREPAYMENTS: $1,636,296.61 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 984% 1,619% 0% 1,558% PREPAYMENT HISTORY(CPR): 14.26% 20.28% 0.00% 17.99% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 2320 3.4818% $4,~~505~~405,~~969~~346.7396 3.3647% $4,~~507~~406,~~840~~095.3465 3.3648% (2) 60-89 Days 014 02.0023% $03,284,333.0077 02.0059% $03,284,333.0077 02.0059% (2) 90 + Days 017 02.0071% $03,592,274.0062 02.0083% $03,594,907.0003 02.0084% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 03 0.0048% $0413,942.00 0.0033% $0413,942.00 0.0033% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA

(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 358 355 354 AVG LTV 76 76 76 AVG LOAN SIZE $658,554 $656,216 $656,623 # OF LOANS 465 443 436 ACTUAL BALANCE $306,235,866.38 $290,721,295.41 $286,306,338.29 SCHEDULED BALANCE $306,227,788.00 $290,703,655.25 $286,287,577.91 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 59.27% Single Family 59.10% PUD 22.98% PUD 23.84% Condo 13.86% Condo 13.05% 2-4 Family 3.75% 2-4 Family 4.01% Other 0.14% Other 0.00% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 40% CA 40% 65% AND BELOW 9% 8% FL 22% FL 23% 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: $15,747.00 PRINCIPAL PREPAYMENTS: $4,400,330.34 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 1,371% 1,560% 0% 1,970% PREPAYMENT HISTORY(CPR): 16.73% 16.01% 0.00% 18.24% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 2418 54.2713%1411,~~459~~639,~~665~~478.9833 4.8307%$1411,~~460~~640,~~866~~705.4334 4.8307% (2) 60-89 Days 124 05.2250% ~~$608~~15,~~000~~352,998.0091 05.2036% $~~608~~15,~~000~~355,662.0075 05.2036% (2) 90 + Days 028 06.0042% $017,646,481.0039 06.0016% $017,650,111.0022 06.0017% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 07 01.0061% $03,732,196.0079 01.0030% $03,732,196.0079 01.0030% BANKRUPTCIES IN PROCESS 01 0.0023% $0448,000.00 0.0016% $0448,000.00 0.0016% PURCHASE AMOUNT ADVANCES NA

(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 357 354 353 AVG LTV 81 81 81 AVG LOAN SIZE $237,853 $237,145 $237,119 # OF LOANS 305 291 291 ACTUAL BALANCE $72,548,154.73 $69,015,131.24 $69,007,664.29 SCHEDULED BALANCE $72,545,109.99 $69,009,070.69 $69,001,692.30 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 48.13% Single Family 47.33% PUD 29.34% PUD 29.75% Condo 11.43% Condo 12.00% 2-4 Family 11.10% 2-4 Family 10.92% 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% 67% AZ 7% AZ 7% OVER 80% 16% 16% NY 6% NY 6% OTHER 37% OTHER 38% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $7,492.58 PRINCIPAL PREPAYMENTS: -$114.19 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 0% 1,025% 0% 1,214% PREPAYMENT HISTORY(CPR): 0.00% 12.68% 0.00% 13.83% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 1719 56.6953% $43,~~529~~880,~~817~~115.7490 65.3462% $43,~~531~~881,~~167~~482.0654 65.3563% (2) 60-89 Days 010 03.0044% $02,713,576.0080 03.0093% $02,713,576.0080 03.0093% (2) 90 + Days 010 03.0044% $02,795,364.0055 04.0005% $02,795,364.0055 04.0005% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 05 01.0072% $01,417,130.00 02.0005% $01,417,130.00 02.0005% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA

(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 355 352 351 AVG LTV 73 72 72 AVG LOAN SIZE $543,924 $540,479 $540,652 # OF LOANS 216 213 212 ACTUAL BALANCE $117,498,660.65 $115,137,500.64 $114,634,248.58 SCHEDULED BALANCE $117,487,494.51 $115,122,039.14 $114,618,222.22 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 53.79% Single Family 55.06% PUD 28.87% PUD 28.29% Condo 14.85% Condo 14.10% 2-4 Family 2.49% 2-4 Family 2.55% 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: $16,607.51 PRINCIPAL PREPAYMENTS: $487,209.41 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 322% 686% 0% 566% PREPAYMENT HISTORY(CPR): 4.96% 9.18% 0.00% 6.99% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 23 01.9342% $~~416~~1,~~000~~454,023.0072 01.3527% $~~416~~1,~~000~~454,931.0079 01.3527% (2) 60-89 Days 0 0.00% $0.00 0.00% $0.00 0.00% (2) 90 + Days 03 01.0042% $01,463,150.00 01.0028% $01,463,150.00 01.0028% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 01 0.0047% $0176,000.00 0.0015% $0176,000.00 0.0015% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA

(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% 6.82% WAM 358 355 354 AVG LTV 75 75 75 AVG LOAN SIZE $421,924 $422,450 $422,066 # OF LOANS 2,016 1,937 1,922 ACTUAL BALANCE $850,632,724.87 $818,349,652.36 $811,276,452.68 SCHEDULED BALANCE $850,598,681.52 $818,285,758.12 $811,210,770.46 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 58.00% Single Family 57.96% PUD 20.99% PUD 23.57% Condo 13.14% Condo 12.83% 2-4 Family 5.49% 2-4 Family 5.64% Other 2.38% Other 0.00% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 37% CA 37% 65% AND BELOW 12% 12% FL 18% FL 18% 65.01-75% 26% 25% AZ 5% AZ 4% 75.01-80% 57% 58% NJ 4% NJ 4% OVER 80% 5% 5% VA 3% VA 3% OTHER 33% OTHER 34% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 8.00% $68,050,481.00 8.35% $67,734,678.89 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $67,967.17 PRINCIPAL PREPAYMENTS: $7,007,020.49 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 762% 1,195% 0% 1,327% PREPAYMENT HISTORY(CPR): 9.81% 13.05% 0.00% 13.17% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 7266 3.6243%2724,~~195~~675,~~953~~005.4565 3.2404%$2724,~~200~~679,~~373~~256.8306 3.2404% (2) 60-89 Days 151 02.0565% ~~$608~~22,~~000~~966,438.0025 02.0783% $~~608~~22,~~000~~970,591.0076 02.0783% (2) 90 + Days 059 03.0007% $025,917,270.0056 03.0019% $025,923,532.0080 03.0020% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 016 0.0083% $05,739,268.0079 0.0071% $05,739,268.0079 0.0071% BANKRUPTCIES IN PROCESS 01 0.0005% $0448,000.00 0.0006% $0448,000.00 0.0006% 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-AR7 Payment Date: 09/25/2007

------------------------------------------------------------------------------------------------------------------------------------ Item 2007-AR7 1 2007-AR7 2 2007-AR7 3 2007-AR7 4 2007-AR7 5 2007-AR7 ------------------------------------------------------------------------------------------------------------------------------------ Collateral Description 1 2 3 4 5 Total Net WAC RATE 5.~~75351~~75002% 7.~~10256~~09616% 7.~~05402~~03789% 7.~~04102~~03664% 5.~~91894~~91325% 6.~~56929~~55030% Principal and Interest Constant 1,~~061~~043,~~552~~510.0945 ~~817~~774,~~539~~390.8085 1,~~816~~720,~~269~~697.8854 ~~433~~412,~~859~~152.4465 ~~595~~583,~~903~~894.6888 4,~~725~~534,~~124~~646.8937 Beginning Loan Count ~~362~~356 ~~668~~634 ~~465~~443 ~~305~~291 ~~216~~213 21,~~016~~937 Ending Loan Count ~~360~~355 ~~661~~628 ~~455~~436 ~~299~~291 ~~216~~212 1,~~991~~922 Loans Paid in Full 21 ~~7 10~~ 6 7 0 251 15 Beginning Scheduled Balance ~~218~~215,~~829~~019,~~114~~312.7551 ~~135~~128,~~509~~431,~~174~~680.2753 ~~306~~290,~~227~~703,~~788~~655.0025 7269,~~545~~009,~~109~~070.9969 ~~117~~115,~~487~~122,~~494~~039.5114 ~~850~~818,~~598~~285,~~681~~758.5212 Ending Scheduled Balance ~~218~~214,~~100~~522,~~012~~808.5756 ~~134~~126,~~219~~780,~~195~~469.8847 ~~299~~286,~~102~~287,~~049~~577.6391 7169,~~405~~001,~~176~~692.4430 ~~117~~114,~~459~~618,~~012~~222.6222 ~~840~~811,~~285~~210,~~447~~770.1446 Scheduled Principal 1213,~~355~~205.0763 1514,~~487~~914.9545 1615,~~155~~747.1700 87,~~199~~492.8458 16,~~402~~607.8551 6867,~~600~~967.8817 Unscheduled Principal ~~716~~483,~~747~~298.1132 1,~~274~~636,~~490~~296.4461 74,~~109~~400,~~583~~330.2034 ~~1,131,733~~-114.7119 12487,~~079~~209.0441 107,~~244~~007,~~633~~020.5049 Scheduled Interest 1,~~049~~030,~~197~~304.0282 ~~802~~759,~~051~~476.8540 1,~~800~~704,~~114~~950.7154 ~~425~~404,~~659~~660.6007 ~~579~~567,~~500~~287.8337 4,~~656~~466,~~524~~679.0120 Net Servicing Fee 725,~~089~~420.6744 127,~~794~~535.1656 824,~~003~~601.9404 116,~~512~~843.3090 629,~~314~~279.8454 24123,~~714~~680.9148 Administration Fee 0.00 0.00 0.00 0.00 0.00 0.00 Fraud Loss Amount N/A N/A N/A N/A N/A 25,517,960.45 Amount of any Fraud Losses N/A N/A N/A N/A N/A 0.00 Bankruptcy Amount N/A N/A N/A N/A N/A 150,000.00 Amount of any Bankruptcy Losses N/A N/A N/A N/A N/A 0.00 Special Hazard Amount N/A N/A N/A N/A N/A 8,505,987.00 Amount of any Special Hazard Losses N/A N/A N/A N/A N/A 0.00 Realized Loss Amount 0.00 0.00 0.00 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 0.00 0.00 0.00 Amount of P&I Advances ~~856~~900,~~344~~191.5671 ~~732~~814,~~350~~936.8141 12,~~574~~153,~~951~~626.4589 ~~403~~485,~~605~~558.3881 ~~493~~513,~~225~~674.6965 4,~~060~~867,~~477~~988.8947

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Filing Compare · Citigroup Mortgage Loan Trust Inc., Series 2007-AR7