UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D. C. 20549
Form 8-K
Current Report Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): July 26, 2004
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2004-6 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-105940-38 54-2155118
Pooling and Servicing Agreement) (Commission 54-2155119
(State or other File Number) IRS EIN
jurisdiction
of Incorporation)
c/o Wells Fargo Bank, N.A.
9062 Old Annapolis Road
Columbia, MD 21045
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (410) 884-2000
(Former name or former address, if changed since last report)
ITEM 5. Other Events
On July 26, 2004 a distribution was made to holders of BANC OF AMERICA
ALTERNATIVE LOAN TRUST, Mortgage Pass-Through Certificates, Series 2004-6
Trust.
ITEM 7. Financial Statements and Exhibits
(c) Exhibits furnished in accordance with Item 601(a) of Regulation S-K
Exhibit Number Description
EX-99.1 Monthly report distributed to holders
of Mortgage Pass-Through Certificates,
Series 2004-6 Trust, relating to the
July 26, 2004 distribution.
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 hereunto duly authorized.
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2004-6 Trust
By: Wells Fargo Bank, N.A. as Trustee
By: /s/ Beth Belfield as Assistant Vice President
By: Beth Belfield as Assistant Vice President
Date: 7/26/04
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of Mortgage
Pass-Through Certificates, Series 2004-6 Trust,
relating to the July 26, 2004 distribution.
EX-99.1
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 6/30/04
Distribution Date: 7/26/04
BAA Series: 2004-6
Contact: Customer Service - CTSLink
Wells Fargo Bank, N.A.
Securities Administration Services
7485 New Horizon Way
Frederick, MD 21703
Telephone: (301) 815-6600
Fax: (301) 815-6660
Certificateholder Distribution Summary
Certificate Certificate Beginning
Class Pass-Through Certificate Interest Principal
Class CUSIP Description Rate Balance Distribution Distribution
<s> <c> <c> <c> <c> <c> <c>
1-A-1 05948KTE9 SEN 6.00000% 165,409,000.00 827,045.00 506,433.76
1-A-R 05948KSE0 SEN 6.00000% 50.00 0.85 50.00
1-A-LR 05948KSF7 SEN 6.00000% 50.00 0.25 50.00
2-A-1 05948KSG5 SEN 6.00000% 93,876,000.00 469,380.00 104,855.17
CB-IO 05948KSH3 SEN 6.00000% 0.00 5,092.01 0.00
3-A-1 05948KSJ9 SEN 6.00000% 3,786,000.00 18,930.00 0.00
3-A-2 05948KSK6 SEN 6.00000% 28,301,000.00 141,505.00 48,544.70
3-A-3 05948KSL4 SEN 6.00000% 2,318,000.00 11,590.00 (11,590.00)
3-IO 05948KSM2 SEN 6.00000% 0.00 1,061.04 0.00
4-A-1 05948KSN0 SEN 5.00000% 115,510,000.00 481,291.67 523,367.16
4-IO 05948KSP5 SEN 5.00000% 0.00 17,172.83 0.00
X-PO 05948KSQ3 SEN 0.00000% 15,171,278.00 0.00 23,521.75
15-PO 05948KSR1 SEN 0.00000% 3,012,942.00 0.00 13,129.97
4-B-1 05948KSV2 SUB 5.00000% 1,576,000.00 6,566.67 5,819.48
4-B-2 05948KSW0 SUB 5.00000% 242,000.00 1,008.33 893.60
4-B-3 05948KSX8 SUB 5.00000% 364,000.00 1,516.67 1,344.09
4-B-4 05948KTB5 SUB 5.00000% 182,000.00 758.33 672.05
4-B-5 05948KTC3 SUB 5.00000% 121,000.00 504.17 446.80
4-B-6 05948KTD1 SUB 5.00000% 182,087.00 758.70 672.37
30-B-1 05948KSS9 SUB 6.00000% 5,984,000.00 29,920.00 6,042.42
30-B-2 05948KST7 SUB 6.00000% 2,911,000.00 14,555.00 2,939.42
30-B-3 05948KSU4 SUB 6.00000% 1,617,000.00 8,085.00 1,632.79
30-B-4 05948KSY6 SUB 6.00000% 1,617,000.00 8,085.00 1,632.79
30-B-5 05948KSZ3 SUB 6.00000% 1,132,000.00 5,660.00 1,143.05
30-B-6 05948KTA7 SUB 6.00000% 1,293,698.43 6,468.49 1,306.33
Totals 444,606,105.43 2,056,955.01 1,232,907.70
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
1-A-1 0.00 164,902,566.24 1,333,478.76 0.00
1-A-R 0.00 0.00 50.85 0.00
1-A-LR 0.00 0.00 50.25 0.00
2-A-1 0.00 93,771,144.83 574,235.17 0.00
CB-IO 0.00 0.00 5,092.01 0.00
3-A-1 0.00 3,786,000.00 18,930.00 0.00
3-A-2 0.00 28,252,455.30 190,049.70 0.00
3-A-3 0.00 2,329,590.00 0.00 0.00
3-IO 0.00 0.00 1,061.04 0.00
4-A-1 0.00 114,986,632.84 1,004,658.83 0.00
4-IO 0.00 0.00 17,172.83 0.00
X-PO 0.00 15,147,756.25 23,521.75 0.00
15-PO 0.00 2,999,812.03 13,129.97 0.00
4-B-1 0.00 1,570,180.52 12,386.15 0.00
4-B-2 0.00 241,106.40 1,901.93 0.00
4-B-3 0.00 362,655.91 2,860.76 0.00
4-B-4 0.00 181,327.95 1,430.38 0.00
4-B-5 0.00 120,553.20 950.97 0.00
4-B-6 0.00 181,414.63 1,431.07 0.00
30-B-1 0.00 5,977,957.58 35,962.42 0.00
30-B-2 0.00 2,908,060.58 17,494.42 0.00
30-B-3 0.00 1,615,367.21 9,717.79 0.00
30-B-4 0.00 1,615,367.21 9,717.79 0.00
30-B-5 0.00 1,130,856.95 6,803.05 0.00
30-B-6 0.00 1,292,392.10 7,774.82 0.00
Totals 0.00 443,373,197.73 3,289,862.71 0.00
<FN>
All distributions required by the Pooling and Servicing Agreement have been calculated by the
Certificate Administrator on behalf of the Trustee.
</FN>
Principal Distribution Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal Realized
Class Amount Balance Distribution Distribution Accretion Loss (1)
<s> <c> <c> <c> <c> <c> <c>
1-A-1 165,409,000.00 165,409,000.00 167,688.26 338,745.50 0.00 0.00
1-A-R 50.00 50.00 16.56 33.44 0.00 0.00
1-A-LR 50.00 50.00 16.56 33.44 0.00 0.00
2-A-1 93,876,000.00 93,876,000.00 94,506.24 10,348.93 0.00 0.00
CB-IO 0.00 0.00 0.00 0.00 0.00 0.00
3-A-1 3,786,000.00 3,786,000.00 0.00 0.00 0.00 0.00
3-A-2 28,301,000.00 28,301,000.00 45,089.00 3,455.70 0.00 0.00
3-A-3 2,318,000.00 2,318,000.00 0.00 0.00 (11,590.00) 0.00
3-IO 0.00 0.00 0.00 0.00 0.00 0.00
4-A-1 115,510,000.00 115,510,000.00 426,528.19 96,838.97 0.00 0.00
4-IO 0.00 0.00 0.00 0.00 0.00 0.00
X-PO 15,171,278.00 15,171,278.00 16,255.45 7,266.30 0.00 0.00
15-PO 3,012,942.00 3,012,942.00 11,608.32 1,521.65 0.00 0.00
4-B-1 1,576,000.00 1,576,000.00 5,819.48 0.00 0.00 0.00
4-B-2 242,000.00 242,000.00 893.60 0.00 0.00 0.00
4-B-3 364,000.00 364,000.00 1,344.09 0.00 0.00 0.00
4-B-4 182,000.00 182,000.00 672.05 0.00 0.00 0.00
4-B-5 121,000.00 121,000.00 446.80 0.00 0.00 0.00
4-B-6 182,087.00 182,087.00 672.37 0.00 0.00 0.00
30-B-1 5,984,000.00 5,984,000.00 6,042.42 0.00 0.00 0.00
30-B-2 2,911,000.00 2,911,000.00 2,939.42 0.00 0.00 0.00
30-B-3 1,617,000.00 1,617,000.00 1,632.79 0.00 0.00 0.00
30-B-4 1,617,000.00 1,617,000.00 1,632.79 0.00 0.00 0.00
30-B-5 1,132,000.00 1,132,000.00 1,143.05 0.00 0.00 0.00
30-B-6 1,293,698.43 1,293,698.43 1,306.33 0.00 0.00 0.00
Totals 444,606,105.43 444,606,105.43 786,253.77 458,243.93 (11,590.00) 0.00
<FN>
(1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
Principal Distribution Statement (continued)
Total Ending Ending Total
Principal Certificate Certificate Principal
Class Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c>
1-A-1 506,433.76 164,902,566.24 0.99693829 506,433.76
1-A-R 50.00 0.00 0.00000000 50.00
1-A-LR 50.00 0.00 0.00000000 50.00
2-A-1 104,855.17 93,771,144.83 0.99888305 104,855.17
CB-IO 0.00 0.00 0.00000000 0.00
3-A-1 0.00 3,786,000.00 1.00000000 0.00
3-A-2 48,544.70 28,252,455.30 0.99828470 48,544.70
3-A-3 (11,590.00) 2,329,590.00 1.00500000 (11,590.00)
3-IO 0.00 0.00 0.00000000 0.00
4-A-1 523,367.16 114,986,632.84 0.99546907 523,367.16
4-IO 0.00 0.00 0.00000000 0.00
X-PO 23,521.75 15,147,756.25 0.99844959 23,521.75
15-PO 13,129.97 2,999,812.03 0.99564214 13,129.97
4-B-1 5,819.48 1,570,180.52 0.99630744 5,819.48
4-B-2 893.60 241,106.40 0.99630744 893.60
4-B-3 1,344.09 362,655.91 0.99630745 1,344.09
4-B-4 672.05 181,327.95 0.99630742 672.05
4-B-5 446.80 120,553.20 0.99630744 446.80
4-B-6 672.37 181,414.63 0.99630742 672.37
30-B-1 6,042.42 5,977,957.58 0.99899024 6,042.42
30-B-2 2,939.42 2,908,060.58 0.99899024 2,939.42
30-B-3 1,632.79 1,615,367.21 0.99899024 1,632.79
30-B-4 1,632.79 1,615,367.21 0.99899024 1,632.79
30-B-5 1,143.05 1,130,856.95 0.99899024 1,143.05
30-B-6 1,306.33 1,292,392.10 0.99899024 1,306.33
Totals 1,232,907.70 443,373,197.73 0.99722697 1,232,907.70
Principal Distribution Factors Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal
Class (2) Amount Balance Distribution Distribution Accretion
<s> <c> <c> <c> <c> <c>
1-A-1 165,409,000.00 1000.00000000 1.01377954 2.04792665 0.00000000
1-A-R 50.00 1000.00000000 331.20000000 668.80000000 0.00000000
1-A-LR 50.00 1000.00000000 331.20000000 668.80000000 0.00000000
2-A-1 93,876,000.00 1000.00000000 1.00671354 0.11024042 0.00000000
CB-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
3-A-1 3,786,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
3-A-2 28,301,000.00 1000.00000000 1.59319459 0.12210523 0.00000000
3-A-3 2,318,000.00 1000.00000000 0.00000000 0.00000000 (5.00000000)
3-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 115,510,000.00 1000.00000000 3.69256506 0.83836006 0.00000000
4-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
X-PO 15,171,278.00 1000.00000000 1.07146214 0.47895108 0.00000000
15-PO 3,012,942.00 1000.00000000 3.85281894 0.50503793 0.00000000
4-B-1 1,576,000.00 1000.00000000 3.69256345 0.00000000 0.00000000
4-B-2 242,000.00 1000.00000000 3.69256198 0.00000000 0.00000000
4-B-3 364,000.00 1000.00000000 3.69255495 0.00000000 0.00000000
4-B-4 182,000.00 1000.00000000 3.69258242 0.00000000 0.00000000
4-B-5 121,000.00 1000.00000000 3.69256198 0.00000000 0.00000000
4-B-6 182,087.00 1000.00000000 3.69257553 0.00000000 0.00000000
30-B-1 5,984,000.00 1000.00000000 1.00976270 0.00000000 0.00000000
30-B-2 2,911,000.00 1000.00000000 1.00976297 0.00000000 0.00000000
30-B-3 1,617,000.00 1000.00000000 1.00976500 0.00000000 0.00000000
30-B-4 1,617,000.00 1000.00000000 1.00976500 0.00000000 0.00000000
30-B-5 1,132,000.00 1000.00000000 1.00976148 0.00000000 0.00000000
30-B-6 1,293,698.43 1000.00000000 1.00976392 0.00000000 0.00000000
<FN>
(2) All Classes are per $1,000 denomination.
</FN>
Principal Distribution Factors Statement (continued)
Total Ending Ending Total
Realized Principal Certificate Certificate Principal
Class Loss (3) Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c> <c>
1-A-1 0.00000000 3.06170619 996.93829381 0.99693829 3.06170619
1-A-R 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000
1-A-LR 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000
2-A-1 0.00000000 1.11695396 998.88304604 0.99888305 1.11695396
CB-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
3-A-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
3-A-2 0.00000000 1.71529981 998.28470019 0.99828470 1.71529981
3-A-3 0.00000000 (5.00000000) 1,005.00000000 1.00500000 (5.00000000)
3-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 0.00000000 4.53092511 995.46907489 0.99546907 4.53092511
4-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
X-PO 0.00000000 1.55041322 998.44958678 0.99844959 1.55041322
15-PO 0.00000000 4.35785687 995.64214313 0.99564214 4.35785687
4-B-1 0.00000000 3.69256345 996.30743655 0.99630744 3.69256345
4-B-2 0.00000000 3.69256198 996.30743802 0.99630744 3.69256198
4-B-3 0.00000000 3.69255495 996.30744505 0.99630745 3.69255495
4-B-4 0.00000000 3.69258242 996.30741758 0.99630742 3.69258242
4-B-5 0.00000000 3.69256198 996.30743802 0.99630744 3.69256198
4-B-6 0.00000000 3.69257553 996.30742447 0.99630742 3.69257553
30-B-1 0.00000000 1.00976270 998.99023730 0.99899024 1.00976270
30-B-2 0.00000000 1.00976297 998.99023703 0.99899024 1.00976297
30-B-3 0.00000000 1.00976500 998.99023500 0.99899024 1.00976500
30-B-4 0.00000000 1.00976500 998.99023500 0.99899024 1.00976500
30-B-5 0.00000000 1.00976148 998.99023852 0.99899024 1.00976148
30-B-6 0.00000000 1.00976392 998.99023608 0.99899024 1.00976392
<FN>
(3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses
Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
Interest Distribution Statement
Beginning Payment of
Original Current Certificate/ Current Unpaid Current
Face Certificate Notional Accrued Interest Interest
Class Amount Rate Balance Interest Shortfall Shortfall
<s> <c> <c> <c> <c> <c> <c>
1-A-1 165,409,000.00 6.00000% 165,409,000.00 827,045.00 0.00 0.00
1-A-R 50.00 6.00000% 50.00 0.25 0.00 0.00
1-A-LR 50.00 6.00000% 50.00 0.25 0.00 0.00
2-A-1 93,876,000.00 6.00000% 93,876,000.00 469,380.00 0.00 0.00
CB-IO 0.00 6.00000% 1,018,401.82 5,092.01 0.00 0.00
3-A-1 3,786,000.00 6.00000% 3,786,000.00 18,930.00 0.00 0.00
3-A-2 28,301,000.00 6.00000% 28,301,000.00 141,505.00 0.00 0.00
3-A-3 2,318,000.00 6.00000% 2,318,000.00 11,590.00 0.00 0.00
3-IO 0.00 6.00000% 212,207.70 1,061.04 0.00 0.00
4-A-1 115,510,000.00 5.00000% 115,510,000.00 481,291.67 0.00 0.00
4-IO 0.00 5.00000% 4,121,479.18 17,172.83 0.00 0.00
X-PO 15,171,278.00 0.00000% 15,171,278.00 0.00 0.00 0.00
15-PO 3,012,942.00 0.00000% 3,012,942.00 0.00 0.00 0.00
4-B-1 1,576,000.00 5.00000% 1,576,000.00 6,566.67 0.00 0.00
4-B-2 242,000.00 5.00000% 242,000.00 1,008.33 0.00 0.00
4-B-3 364,000.00 5.00000% 364,000.00 1,516.67 0.00 0.00
4-B-4 182,000.00 5.00000% 182,000.00 758.33 0.00 0.00
4-B-5 121,000.00 5.00000% 121,000.00 504.17 0.00 0.00
4-B-6 182,087.00 5.00000% 182,087.00 758.70 0.00 0.00
30-B-1 5,984,000.00 6.00000% 5,984,000.00 29,920.00 0.00 0.00
30-B-2 2,911,000.00 6.00000% 2,911,000.00 14,555.00 0.00 0.00
30-B-3 1,617,000.00 6.00000% 1,617,000.00 8,085.00 0.00 0.00
30-B-4 1,617,000.00 6.00000% 1,617,000.00 8,085.00 0.00 0.00
30-B-5 1,132,000.00 6.00000% 1,132,000.00 5,660.00 0.00 0.00
30-B-6 1,293,698.43 6.00000% 1,293,698.43 6,468.49 0.00 0.00
Totals 444,606,105.43 2,056,954.41 0.00 0.00
Interest Distribution Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (4) Distribution Shortfall Balance
<s> <c> <c> <c> <c> <c>
1-A-1 0.00 0.00 827,045.00 0.00 164,902,566.24
1-A-R 0.00 0.00 0.85 0.00 0.00
1-A-LR 0.00 0.00 0.25 0.00 0.00
2-A-1 0.00 0.00 469,380.00 0.00 93,771,144.83
CB-IO 0.00 0.00 5,092.01 0.00 1,013,859.61
3-A-1 0.00 0.00 18,930.00 0.00 3,786,000.00
3-A-2 0.00 0.00 141,505.00 0.00 28,252,455.30
3-A-3 0.00 0.00 11,590.00 0.00 2,329,590.00
3-IO 0.00 0.00 1,061.04 0.00 212,005.79
4-A-1 0.00 0.00 481,291.67 0.00 114,986,632.84
4-IO 0.00 0.00 17,172.83 0.00 4,104,406.24
X-PO 0.00 0.00 0.00 0.00 15,147,756.25
15-PO 0.00 0.00 0.00 0.00 2,999,812.03
4-B-1 0.00 0.00 6,566.67 0.00 1,570,180.52
4-B-2 0.00 0.00 1,008.33 0.00 241,106.40
4-B-3 0.00 0.00 1,516.67 0.00 362,655.91
4-B-4 0.00 0.00 758.33 0.00 181,327.95
4-B-5 0.00 0.00 504.17 0.00 120,553.20
4-B-6 0.00 0.00 758.70 0.00 181,414.63
30-B-1 0.00 0.00 29,920.00 0.00 5,977,957.58
30-B-2 0.00 0.00 14,555.00 0.00 2,908,060.58
30-B-3 0.00 0.00 8,085.00 0.00 1,615,367.21
30-B-4 0.00 0.00 8,085.00 0.00 1,615,367.21
30-B-5 0.00 0.00 5,660.00 0.00 1,130,856.95
30-B-6 0.00 0.00 6,468.49 0.00 1,292,392.10
Totals 0.00 0.00 2,056,955.01 0.00
<FN>
(4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
Interest Distribution Factors Statement
Beginning Payment of
Original Current Certificate/ Current Unpaid Current
Face Certificate Notional Accrued Interest Interest
Class (5) Amount Rate Balance Interest Shortfall Shortfall
<s> <c> <c> <c> <c> <c> <c>
1-A-1 165,409,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
1-A-R 50.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
1-A-LR 50.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
2-A-1 93,876,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
CB-IO 0.00 6.00000% 1000.00000000 5.00000088 0.00000000 0.00000000
3-A-1 3,786,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
3-A-2 28,301,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
3-A-3 2,318,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
3-IO 0.00 6.00000% 1000.00000000 5.00000707 0.00000000 0.00000000
4-A-1 115,510,000.00 5.00000% 1000.00000000 4.16666670 0.00000000 0.00000000
4-IO 0.00 5.00000% 1000.00000000 4.16666669 0.00000000 0.00000000
X-PO 15,171,278.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000
15-PO 3,012,942.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000
4-B-1 1,576,000.00 5.00000% 1000.00000000 4.16666878 0.00000000 0.00000000
4-B-2 242,000.00 5.00000% 1000.00000000 4.16665289 0.00000000 0.00000000
4-B-3 364,000.00 5.00000% 1000.00000000 4.16667582 0.00000000 0.00000000
4-B-4 182,000.00 5.00000% 1000.00000000 4.16664835 0.00000000 0.00000000
4-B-5 121,000.00 5.00000% 1000.00000000 4.16669421 0.00000000 0.00000000
4-B-6 182,087.00 5.00000% 1000.00000000 4.16668955 0.00000000 0.00000000
30-B-1 5,984,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
30-B-2 2,911,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
30-B-3 1,617,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
30-B-4 1,617,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
30-B-5 1,132,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
30-B-6 1,293,698.43 6.00000% 1000.00000000 4.99999834 0.00000000 0.00000000
<FN>
(5) All Classes are per $1,000 denomination.
</FN>
Interest Distribution Factors Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (6) Distribution Shortfall Balance
<s> <c> <c> <c> <c> <c>
1-A-1 0.00000000 0.00000000 5.00000000 0.00000000 996.93829381
1-A-R 0.00000000 0.00000000 17.00000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 5.00000000 0.00000000 0.00000000
2-A-1 0.00000000 0.00000000 5.00000000 0.00000000 998.88304604
CB-IO 0.00000000 0.00000000 5.00000088 0.00000000 995.53986461
3-A-1 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
3-A-2 0.00000000 0.00000000 5.00000000 0.00000000 998.28470019
3-A-3 0.00000000 0.00000000 5.00000000 0.00000000 1005.00000000
3-IO 0.00000000 0.00000000 5.00000707 0.00000000 999.04852651
4-A-1 0.00000000 0.00000000 4.16666670 0.00000000 995.46907489
4-IO 0.00000000 0.00000000 4.16666669 0.00000000 995.85756976
X-PO 0.00000000 0.00000000 0.00000000 0.00000000 998.44958678
15-PO 0.00000000 0.00000000 0.00000000 0.00000000 995.64214313
4-B-1 0.00000000 0.00000000 4.16666878 0.00000000 996.30743655
4-B-2 0.00000000 0.00000000 4.16665289 0.00000000 996.30743802
4-B-3 0.00000000 0.00000000 4.16667582 0.00000000 996.30744505
4-B-4 0.00000000 0.00000000 4.16664835 0.00000000 996.30741758
4-B-5 0.00000000 0.00000000 4.16669421 0.00000000 996.30743802
4-B-6 0.00000000 0.00000000 4.16668955 0.00000000 996.30742447
30-B-1 0.00000000 0.00000000 5.00000000 0.00000000 998.99023730
30-B-2 0.00000000 0.00000000 5.00000000 0.00000000 998.99023703
30-B-3 0.00000000 0.00000000 5.00000000 0.00000000 998.99023500
30-B-4 0.00000000 0.00000000 5.00000000 0.00000000 998.99023500
30-B-5 0.00000000 0.00000000 5.00000000 0.00000000 998.99023852
30-B-6 0.00000000 0.00000000 4.99999834 0.00000000 998.99023608
<FN>
(6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless
Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
</FN>
Certificateholder Component Statement
Component Beginning Ending Beginning Ending Ending
Pass-Through Notional Notional Component Component Component
Class Rate Balance Balance Balance Balance Percentage
<s> <c> <c> <c> <c> <c> <c>
1-IO 6.00000% 621,508.73 617,348.63 0.00 0.00 99.33064496%
2-IO 6.00000% 396,893.09 396,510.98 0.00 0.00 99.90372470%
1-PO 0.00000% 0.00 0.00 9,322,978.00 9,306,350.09 99.82164594%
2-PO 0.00000% 0.00 0.00 4,085,577.00 4,080,700.51 99.88064134%
3-PO 0.00000% 0.00 0.00 1,752,723.00 1,750,749.23 99.88738837%
4-PO 0.00000% 0.00 0.00 10,000.00 9,956.42 99.56420000%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 3,384,527.20
Liquidations, Insurance Proceeds, Reserve Funds 0.00
Proceeds from Repurchased Loans 0.00
Other Amounts (Servicer Advances) 0.00
Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00
Prepayment Penalties 0.00
Total Deposits 3,384,527.20
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 94,664.49
Payment of Interest and Principal 3,289,862.71
Total Withdrawals (Pool Distribution Amount) 3,384,527.20
Ending Balance 0.00
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL
<s> <c>
Total Prepayment/Curtailment Interest Shortfall 0.00
Servicing Fee Support 0.00
Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
SERVICING FEES
<s> <c>
Gross Servicing Fee 92,626.73
Trustee Fee - Wells Fargo Bank, N.A. 2,037.76
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 94,664.49
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT
DELINQUENCY STATUS
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s> <c> <c> <c> <c> <c>
No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 0 0 0
0.00 0.00 0.00 0.00
30 Days 1 0 0 0 1
164,000.00 0.00 0.00 0.00 164,000.00
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180+ Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 1 0 0 0 1
164,000.00 0.00 0.00 0.00 164,000.00
No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.032041% 0.000000% 0.000000% 0.000000% 0.032041%
0.036938% 0.000000% 0.000000% 0.000000% 0.036938%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 0.032041% 0.000000% 0.000000% 0.000000% 0.032041%
0.036938% 0.000000% 0.000000% 0.000000% 0.036938%
Delinquency Status By Groups
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 0 0 0
0.00 0.00 0.00 0.00
30 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
2 No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 0 0 0
0.00 0.00 0.00 0.00
30 Days 1 0 0 0 1
164,000.00 0.00 0.00 0.00 164,000.00
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 1 0 0 0 1
164,000.00 0.00 0.00 0.00 164,000.00
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.152905% 0.000000% 0.000000% 0.000000% 0.152905%
0.159942% 0.000000% 0.000000% 0.000000% 0.159942%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 0.152905% 0.000000% 0.000000% 0.000000% 0.152905%
0.159942% 0.000000% 0.000000% 0.000000% 0.159942%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
3 No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 0 0 0
0.00 0.00 0.00 0.00
30 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
<caption>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
4 No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 0 0 0
0.00 0.00 0.00 0.00
30 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 936.00
COLLATERAL STATEMENT
Collateral Description Fixed
Weighted Average Gross Coupon 5.807259%
Weighted Average Net Coupon 5.557257%
Weighted Average Pass-Through Rate 5.551757%
Weighted Average Maturity(Stepdown Calculation ) 357
Beginning Scheduled Collateral Loan Count 3,123
Number Of Loans Paid In Full 2
Ending Scheduled Collateral Loan Count 3,121
Beginning Scheduled Collateral Balance 444,606,105.43
Ending Scheduled Collateral Balance 443,373,198.00
Ending Actual Collateral Balance at 30-Jun-2004 443,986,407.14
Monthly P &I Constant 2,927,107.82
Special Servicing Fee 0.00
Prepayment Penalties 0.00
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Scheduled Principal 775,488.80
Unscheduled Principal 457,418.89
Group Level Collateral Statement
Group 1 2 3
Collateral Description Fixed 30 Year Fixed 30 Year Fixed 30 Year
Weighted Average Coupon Rate 5.970154 6.039744 6.011376
Weighted Average Net Rate 5.720154 5.789744 5.761376
Weighted Average Maturity 357 357 358
Beginning Loan Count 1,371 654 79
Loans Paid In Full 2 0 0
Ending Loan Count 1,369 654 79
Beginning Scheduled Balance 182,966,029.89 102,577,879.32 37,862,167.22
Ending scheduled Balance 182,434,519.17 102,463,500.36 37,821,538.31
Record Date 06/30/2004 06/30/2004 06/30/2004
Principal And Interest Constant 1,096,279.77 619,892.04 227,529.59
Scheduled Principal 186,000.27 103,605.28 37,859.82
Unscheduled Principal 345,510.45 10,773.68 2,769.09
Scheduled Interest 910,279.50 516,286.76 189,669.77
Servicing Fees 38,117.93 21,370.38 7,887.96
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 838.59 470.16 173.52
FRY Amount 0.00 0.00 0.00
Special Hazard Fee 0.00 0.00 0.00
Other Fee 0.00 0.00 0.00
Pool Insurance Fee 0.00 0.00 0.00
Spread Fee 1 0.00 0.00 0.00
Spread Fee 2 0.00 0.00 0.00
Spread Fee 3 0.00 0.00 0.00
Net Interest 871,322.98 494,446.22 181,608.29
Realized Loss Amount 0.00 0.00 0.00
Cumulative Realized Loss 0.00 0.00 0.00
Percentage of Cumulative Losses 0.0000 0.0000 0.0000
Prepayment Penalties 0.00 0.00 0.00
Special Servicing Fee 0.00 0.00 0.00
Pass-Through Rate 5.714654 5.784244 5.755876
Group Level Collateral Statement
Group 4 Total
Collateral Description Fixed 30 Year Fixed
Weighted Average Coupon Rate 5.300820 5.807259
Weighted Average Net Rate 5.050820 5.557257
Weighted Average Maturity 178 357
Beginning Loan Count 1,019 3,123
Loans Paid In Full 0 2
Ending Loan Count 1,019 3,121
Beginning Scheduled Balance 121,200,029.26 444,606,105.69
Ending scheduled Balance 120,653,640.16 443,373,198.00
Record Date 06/30/2004 06/30/2004
Principal And Interest Constant 983,406.42 2,927,107.82
Scheduled Principal 448,023.43 775,488.80
Unscheduled Principal 98,365.67 457,418.89
Scheduled Interest 535,382.99 2,151,619.02
Servicing Fees 25,250.01 92,626.28
Master Servicing Fees 0.00 0.00
Trustee Fee 555.49 2,037.76
FRY Amount 0.00 0.00
Special Hazard Fee 0.00 0.00
Other Fee 0.00 0.00
Pool Insurance Fee 0.00 0.00
Spread Fee 1 0.00 0.00
Spread Fee 2 0.00 0.00
Spread Fee 3 0.00 0.00
Net Interest 509,577.49 2,056,954.98
Realized Loss Amount 0.00 0.00
Cumulative Realized Loss 0.00 0.00
Percentage of Cumulative Losses 0.0000 0.0000
Prepayment Penalties 0.00 0.00
Special Servicing Fee 0.00 0.00
Pass-Through Rate 5.045320 5.551757
Miscellaneous Reporting
Group 1
CPR 2.244933%
Subordinate Percenatge 4.741884%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.258116%
Group 2
CPR 0.126090%
Subordinate Percenatge 4.686978%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.313022%
Group 3
CPR 0.087816%
Subordinate Percenatge 4.720215%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.279785%
Miscellaneous Reporting
Group 4
CPR 0.973163%
Subordinate Percenatge 2.256856%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 97.743144%