10-D 1 final_2007-ar8.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: 333-138237-20 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2007-AR8 ------------------------------------------------------------------------ (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-A2A { } { } {X} _____________ Class 1-A2B { } { } {X} _____________ Class 1-2IO { } { } {X} _____________ Class 1-A3A { } { } {X} _____________ Class 1-A3B { } { } {X} _____________ Class 2-A1A { } { } {X} _____________ Class 2-A1B { } { } {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-AR8 (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-AR8 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 #: 5 Trustee U.S. Bank National Association Clare O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Trent Balke (636) 261-2103 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-AR8 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-AR8 Payment Date: 12/26/2007

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2007-AR8 Payment Date: 12/26/2007

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2007-AR8 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 12/26/2007 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$3,599,817.34 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- 13,026,388.18 $0.00 $0.00 $13,026,388.18 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-AR8 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-AR8 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-AR8 Payment Date: 12/26/2007 2007-AR8 1A COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.94% 5.94% WAM 357 353 352 AVG LTV 74 74 74 AVG LOAN SIZE $649,639 $647,607 $648,158 # OF LOANS 465 459 457 ACTUAL BALANCE $302,107,634.69 $297,279,951.81 $296,238,139.82 SCHEDULED BALANCE $302,082,238.03 $297,251,673.72 $296,208,211.91 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 80.23% Single Family 80.28% PUD 13.29% PUD 13.37% Condo 5.62% Condo 5.48% 2-4 Family 0.71% 2-4 Family 0.72% Other 0.15% Other 0.15% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 55% CA 55% 65% AND BELOW 17% 17% AZ 5% AZ 5% 65.01-75% 22% 21% VA 4% VA 4% 75.01-80% 60% 61% CO 4% CO 4% OVER 80% 1% 1% NJ 3% NJ 3% OTHER 29% OTHER 29% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $33,766.93 PRINCIPAL PREPAYMENTS: $1,009,694.88 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 239% 235% 0% 350% PREPAYMENT HISTORY(CPR): 4.01% 3.47% 0.00% 4.49% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR8 1B COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 7.03% 7.00% WAM 357 353 352 AVG LTV 75 76 76 AVG LOAN SIZE $665,415 $666,726 $666,698 # OF LOANS 59 48 48 ACTUAL BALANCE $39,261,226.23 $32,003,918.77 $32,002,601.42 SCHEDULED BALANCE $39,259,500.68 $32,002,834.86 $32,001,511.25 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 79.79% Single Family 76.83% PUD 12.78% PUD 14.05% Condo 7.43% Condo 9.12% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 57% CA 49% 65% AND BELOW 19% 15% NV 7% NV 8% 65.01-75% 17% 19% MD 6% MD 7% 75.01-80% 59% 61% IL 4% IL 5% OVER 80% 5% 5% CO 4% CO 5% OTHER 22% OTHER 26% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $1,090.17 PRINCIPAL PREPAYMENTS: $233.44 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 1% 2,698% 0% 3,312% PREPAYMENT HISTORY(CPR): 0.01% 36.12% 0.00% 38.73% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR8 1C COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.26% 6.24% WAM 360 356 355 AVG LTV 73 73 73 AVG LOAN SIZE $673,789 $673,750 $674,088 # OF LOANS 78 77 76 ACTUAL BALANCE $52,556,670.20 $51,881,195.68 $51,232,664.96 SCHEDULED BALANCE $52,555,567.68 $51,878,766.78 $51,230,716.25 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 53.93% Single Family 54.01% PUD 34.86% PUD 34.49% Condo 11.21% Condo 11.50% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 56% CA 56% 65% AND BELOW 22% 22% WA 6% NY 6% 65.01-75% 22% 21% NY 6% WA 6% 75.01-80% 56% 57% CT 5% CT 5% OVER 80% 0% 0% VA 5% VA 5% OTHER 22% OTHER 22% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $4,224.87 PRINCIPAL PREPAYMENTS: $643,825.66 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 1,154% 875% 0% 725% PREPAYMENT HISTORY(CPR): 13.92% 8.81% 0.00% 5.85% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR8 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.09% 6.07% WAM 357 353 352 AVG LTV 74 74 74 AVG LOAN SIZE $654,314 $652,625 $653,082 # OF LOANS 602 584 581 ACTUAL BALANCE $393,925,531.12 $381,165,066.26 $379,473,406.20 SCHEDULED BALANCE $393,897,306.39 $381,133,275.36 $379,440,439.41 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 76.69% Single Family 76.45% PUD 16.12% PUD 16.28% Condo 6.54% Condo 6.60% 2-4 Family 0.54% 2-4 Family 0.56% Other 0.11% Other 0.11% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 56% CA 55% 65% AND BELOW 18% 18% AZ 4% AZ 4% 65.01-75% 21% 21% VA 4% CT 4% 75.01-80% 60% 60% CT 4% VA 4% OVER 80% 1% 1% CO 3% CO 4% OTHER 29% OTHER 29% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 5.15% $20,285,106.00 5.34% $20,274,516.60 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $39,081.97 PRINCIPAL PREPAYMENTS: $1,653,753.98 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 318% 545% 0% 704% PREPAYMENT HISTORY(CPR): 5.09% 7.64% 0.00% 8.48% DELINQUENCY (1)

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2007-AR8 2 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.18% 6.17% WAM 356 352 351 AVG LTV 73 73 73 AVG LOAN SIZE $601,912 $597,486 $595,912 # OF LOANS 798 775 765 ACTUAL BALANCE $480,345,662.71 $463,070,072.14 $455,888,103.52 SCHEDULED BALANCE $480,325,740.31 $463,051,327.10 $455,872,340.57 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 81.28% Single Family 81.24% Condo 17.16% Condo 17.12% 2-4 Family 1.09% 2-4 Family 1.15% Cooperative 0.47% Cooperative 0.49% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 53% CA 53% 65% AND BELOW 20% 20% FL 6% FL 6% 65.01-75% 21% 21% NJ 4% NJ 4% 75.01-80% 57% 57% NY 3% NY 3% OVER 80% 2% 2% IL 3% WA 3% OTHER 31% OTHER 31% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 4.55% $21,854,640.00 4.79% $21,846,442.64 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $35,068.35 PRINCIPAL PREPAYMENTS: $7,143,918.18 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(CPR):25% PREPAYMENT HISTORY(PSA): 967% 675% 0% 868% PREPAYMENT HISTORY(CPR): 17.03% 10.40% 0.00% 11.71% 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-AR8 Payment Date: 12/26/2007

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Citigroup Mortgage Loan Trust 2007-8 10-D