Fitch Rates $347MM Citigroup Mortgage Loan Trust 2007-2.

NEW YORK -- Fitch rates the Citigroup Mortgage Loan Trust Inc. Asset-Backed pass-through certificates, series 2007-2, as follows:

--$328,653,290 classes 1-A1, 1-A2, 1-A2A, 1-A3, 1-A4, 2-A, XS, PO & R (senior certificates) 'AAA';

--$11,824,000 class B1 'AA';

--$2,434,000 class B2 'A';

--$1,739,000 class B3 'BBB';

--$1,217,000 privately offered class B4 'BB';

--$1,217,000 privately offered class B5 'B'.

The 'AAA' rating on the senior certificates reflects the 5.50% total credit enhancement provided by the 3.40% class B1, the 0.70% class B2, the 0.50% class B3, the 0.35% class B4, the 0.35% class B5, and the 0.20% class B6. Class B6 is not rated by Fitch. In addition, the ratings reflect the integrity of the transaction's legal structure as well as the servicing capabilities of Wells Fargo Bank, N.A. and U.S. Bank, N.A., which will act as Trustee.

The collateral consists of fixed-rate mortgage loans with an aggregate pool balance of $347,780,580 as of the cut-off date (January 1, 2007). The weighted average loan rate is approximately 6.878% and the weighted average remaining term to maturity (WAM) is approximately 354 months. The average principal balance of the loans is approximately $284,134, with the weighted average original loan-to-value ratio (OLTV) being 72.92%. Rate/Term and cash out refinances account for 11.02% and 35.44% of the loans, respectively. The weighted average original FICO credit score of the loans is 735. Owner occupied properties and second homes comprise 67.74% and 8.54% of the loans, respectively. The properties are primarily located in California (29.10%), Florida (8.55%) and New York (8.27%). All other states represent less than 5% of the aggregate pool balance.

Wells Fargo Bank, N.A. (WFB) is an indirect, wholly-owned subsidiary of Wells Fargo & Company. WFB is a national banking association and is engaged in a wide range of activities typical of a national bank. All of the mortgage loans were originated by WFB or acquired by WFB from correspondent lenders after re-underwriting such acquired mortgage loans generally in accordance with its underwriting guidelines then in effect.

For federal income tax purposes, multiple real estate mortgage investment conduit (REMIC) elections will be made with respect to the trust estate.

Fitch's rating definitions and the terms of use of such ratings are available on the agency's public site, www.fitchratings.com. Published ratings, criteria and methodologies are available from this site, at all times. Fitch's code of conduct, confidentiality, conflicts of interest, affiliate firewall, compliance and other relevant policies and procedures are also available from the 'Code of Conduct' section of this site.