10-D 1 final_2007-ar4.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: 333-138237-07 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2007-AR4 ------------------------------------------------------------------------ (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-IO { } { } {X} _____________ Class 2-A1A { } { } {X} _____________ Class 2-A1B { } { } {X} _____________ Class 2-A2A { } { } {X} _____________ Class 2-A2B { } { } {X} _____________ Class 2-A3A { } { } {X} _____________ Class 2-A3B { } { } {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 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-AR4 (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-AR4 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 #: 10 Trustee U.S. Bank National Association Clare O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Norma Wesselmann (636) 261-1368 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-AR4 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-AR4 Payment Date: 12/26/2007

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR4 Payment Date: 12/26/2007

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2007-AR4 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 12/26/2007 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$4,510,886.46 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- $9,259,646.64 $0.00 $0.00 $9,259,646.64 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: 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-AR4 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-AR4 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-AR4 Payment Date: 12/26/2007 2007-AR4 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.36% 6.34% WAM 358 349 348 AVG LTV 70 71 71 AVG LOAN SIZE $742,152 $714,302 $714,382 # OF LOANS 1,203 1,108 1,104 ACTUAL BALANCE $892,808,713.56 $791,518,938.78 $788,746,571.54 SCHEDULED BALANCE $892,808,713.56 $791,446,184.15 $788,678,177.11 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 83.50% Single Family 82.68% Condo 13.32% Condo 14.00% 2-4 Family 2.19% 2-4 Family 2.27% Cooperative 0.93% Cooperative 0.98% Other 0.06% Other 0.07% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 40% CA 38% 65% AND BELOW 28% 27% NY 7% FL 8% 65.01-75% 27% 26% FL 7% NY 7% 75.01-80% 44% 46% NJ 5% NJ 5% OVER 80% 1% 1% CO 5% MD 5% OTHER 36% OTHER 37% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 3.60% $32,141,613.00 4.07% $32,109,388.63 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $87,058.45 PRINCIPAL PREPAYMENTS: $2,680,948.59 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 171% 213% 0% 944% PREPAYMENT HISTORY(CPR): 4.00% 4.54% 0.00% 13.73% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR4 2A COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.74% 5.70% WAM 358 349 348 AVG LTV 71 71 71 AVG LOAN SIZE $632,153 $613,821 $613,636 # OF LOANS 39 35 35 ACTUAL BALANCE $24,656,077.28 $21,489,030.22 $21,483,225.08 SCHEDULED BALANCE $24,653,966.44 $21,483,738.53 $21,477,266.16 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 63.65% Single Family 69.88% PUD 24.09% PUD 18.86% Condo 12.26% Condo 11.26% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 29% CA 34% 65% AND BELOW 23% 22% NJ 11% NJ 12% 65.01-75% 33% 37% FL 11% FL 9% 75.01-80% 42% 38% MI 7% IL 7% OVER 80% 2% 3% IL 6% MI 7% OTHER 36% OTHER 31% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $5,317.94 PRINCIPAL PREPAYMENTS: $1,154.43 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 8% 521% 0% 1,004% PREPAYMENT HISTORY(CPR): 0.19% 11.37% 0.00% 15.11% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR4 2B COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.01% 5.97% WAM 359 350 349 AVG LTV 73 73 73 AVG LOAN SIZE $629,538 $612,881 $612,787 # OF LOANS 273 249 248 ACTUAL BALANCE $171,876,109.83 $152,621,107.30 $151,982,094.92 SCHEDULED BALANCE $171,863,989.31 $152,607,269.68 $151,971,255.26 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 57.82% Single Family 58.36% PUD 30.61% PUD 30.67% Condo 11.03% Condo 10.36% Cooperative 0.28% Cooperative 0.32% Other 0.26% Other 0.29% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 51% CA 51% 65% AND BELOW 18% 16% FL 7% FL 8% 65.01-75% 23% 23% CO 4% VA 4% 75.01-80% 58% 60% TX 4% CO 4% OVER 80% 1% 1% VA 4% TX 4% OTHER 30% OTHER 29% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $15,696.80 PRINCIPAL PREPAYMENTS: $620,317.62 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 207% 245% 0% 955% PREPAYMENT HISTORY(CPR): 4.77% 5.16% 0.00% 13.62% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR4 2C COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.95% 5.93% WAM 360 351 350 AVG LTV 71 71 71 AVG LOAN SIZE $653,773 $650,263 $650,713 # OF LOANS 141 133 132 ACTUAL BALANCE $92,186,135.55 $86,490,951.33 $85,899,860.47 SCHEDULED BALANCE $92,181,988.42 $86,484,966.75 $85,894,144.48 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 61.26% Single Family 61.77% PUD 32.15% PUD 31.94% Condo 6.59% Condo 6.29% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 48% CA 47% 65% AND BELOW 25% 24% FL 7% FL 8% 65.01-75% 25% 25% IL 6% IL 6% 75.01-80% 50% 51% VA 5% VA 5% OVER 80% 0% 0% MI 4% MI 4% OTHER 30% OTHER 30% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $7,652.67 PRINCIPAL PREPAYMENTS: $583,169.60 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 348% 133% 0% 588% PREPAYMENT HISTORY(CPR): 7.80% 2.72% 0.00% 8.04% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR4 2 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.97% 5.93% WAM 359 350 349 AVG LTV 72 72 72 AVG LOAN SIZE $637,307 $624,882 $624,922 # OF LOANS 453 417 415 ACTUAL BALANCE $288,718,322.66 $260,601,088.85 $259,365,180.47 SCHEDULED BALANCE $288,699,944.17 $260,575,974.96 $259,342,665.90 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 59.41% Single Family 60.45% PUD 30.55% PUD 30.11% Condo 9.72% Condo 9.08% Cooperative 0.17% Cooperative 0.19% Other 0.15% Other 0.17% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 48% CA 48% 65% AND BELOW 21% 19% FL 8% FL 8% 65.01-75% 24% 25% IL 4% VA 4% 75.01-80% 54% 55% VA 4% IL 4% OVER 80% 1% 1% MD 3% MI 3% OTHER 33% OTHER 33% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 4.00% $11,547,844.00 4.45% $11,535,623.18 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $28,667.41 PRINCIPAL PREPAYMENTS: $1,204,641.65 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 237% 234% 0% 847% PREPAYMENT HISTORY(CPR): 5.42% 4.90% 0.00% 11.97% 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-AR4 Payment Date: 12/26/2007

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Citigroup Mortgage Loan Trust 2007-AR4 10-D