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): October 25, 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)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any
of the following provisions (see General Instruction A.2. below):
[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act(17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act(17 CFR 240.13e-4(c))
ITEM 8.01 Other Events
On October 25, 2004 a distribution was made to holders of BANC OF AMERICA
ALTERNATIVE LOAN TRUST, Mortgage Pass-Through Certificates, Series 2004-6
Trust.
ITEM 9.01 Financial Statements and Exhibits
(c) Exhibits
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of
Mortgage Pass-Through Certificates,
Series 2004-6 Trust, relating to the
October 25, 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
(Registrant)
By: Wells Fargo Bank, N.A. as Trustee
By: /s/ Beth Belfield as Assistant Vice President
By: Beth Belfield as Assistant Vice President
Date: 10/25/2004
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 October 25, 2004 distribution.
EX-99.1
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 9/30/2004
Distribution Date: 10/25/2004
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% 161,985,121.30 809,925.61 2,816,336.19
1-A-R 05948KSE0 SEN 6.00000% 0.00 0.11 0.00
1-A-LR 05948KSF7 SEN 6.00000% 0.00 0.00 0.00
2-A-1 05948KSG5 SEN 6.00000% 91,859,184.78 459,295.92 336,658.34
CB-IO 05948KSH3 SEN 6.00000% 0.00 4,677.66 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% 27,812,860.46 139,064.30 67,580.55
3-A-3 05948KSL4 SEN 6.00000% 2,352,944.14 11,764.72 (11,764.72)
3-IO 05948KSM2 SEN 6.00000% 0.00 1,058.11 0.00
4-A-1 05948KSN0 SEN 5.00000% 113,202,170.18 471,675.71 1,045,055.27
4-IO 05948KSP5 SEN 5.00000% 0.00 16,830.97 0.00
X-PO 05948KSQ3 SEN 0.00000% 14,984,840.22 0.00 71,715.56
15-PO 05948KSR1 SEN 0.00000% 2,958,304.49 0.00 20,783.89
4-B-1 05948KSV2 SUB 5.00000% 1,558,437.01 6,493.49 5,918.43
4-B-2 05948KSW0 SUB 5.00000% 239,303.15 997.10 908.79
4-B-3 05948KSX8 SUB 5.00000% 359,943.57 1,499.76 1,366.95
4-B-4 05948KTB5 SUB 5.00000% 179,971.79 749.88 683.47
4-B-5 05948KTC3 SUB 5.00000% 119,651.57 498.55 454.40
4-B-6 05948KTD1 SUB 5.00000% 180,057.85 750.24 683.76
30-B-1 05948KSS9 SUB 6.00000% 5,965,766.19 29,828.83 6,168.15
30-B-2 05948KST7 SUB 6.00000% 2,902,129.91 14,510.65 3,000.58
30-B-3 05948KSU4 SUB 6.00000% 1,612,072.85 8,060.36 1,666.76
30-B-4 05948KSY6 SUB 6.00000% 1,612,072.85 8,060.36 1,666.76
30-B-5 05948KSZ3 SUB 6.00000% 1,128,550.69 5,642.75 1,166.84
30-B-6 05948KTA7 SUB 6.00000% 1,289,756.95 6,448.78 1,333.51
Totals 436,089,139.95 2,016,763.86 4,371,383.48
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
1-A-1 0.00 159,168,785.11 3,626,261.80 0.00
1-A-R 0.00 0.00 0.11 0.00
1-A-LR 0.00 0.00 0.00 0.00
2-A-1 0.00 91,522,526.44 795,954.26 0.00
CB-IO 0.00 0.00 4,677.66 0.00
3-A-1 0.00 3,786,000.00 18,930.00 0.00
3-A-2 0.00 27,745,279.91 206,644.85 0.00
3-A-3 0.00 2,364,708.86 0.00 0.00
3-IO 0.00 0.00 1,058.11 0.00
4-A-1 0.00 112,157,114.91 1,516,730.98 0.00
4-IO 0.00 0.00 16,830.97 0.00
X-PO 0.00 14,913,124.66 71,715.56 0.00
15-PO 0.00 2,937,520.60 20,783.89 0.00
4-B-1 0.00 1,552,518.58 12,411.92 0.00
4-B-2 0.00 238,394.35 1,905.89 0.00
4-B-3 0.00 358,576.63 2,866.71 0.00
4-B-4 0.00 179,288.31 1,433.35 0.00
4-B-5 0.00 119,197.18 952.95 0.00
4-B-6 0.00 179,374.08 1,434.00 0.00
30-B-1 0.00 5,959,598.04 35,996.98 0.00
30-B-2 0.00 2,899,129.33 17,511.23 0.00
30-B-3 0.00 1,610,406.09 9,727.12 0.00
30-B-4 0.00 1,610,406.09 9,727.12 0.00
30-B-5 0.00 1,127,383.85 6,809.59 0.00
30-B-6 0.00 1,288,423.44 7,782.29 0.00
Totals 0.00 431,717,756.46 6,388,147.34 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-1 165,409,000.00 161,985,121.30 167,880.50 2,648,455.69 0.00 0.00
1-A-R 50.00 0.00 0.00 0.00 0.00 0.00
1-A-LR 50.00 0.00 0.00 0.00 0.00 0.00
2-A-1 93,876,000.00 91,859,184.78 95,151.88 241,506.46 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 27,812,860.46 41,798.20 25,782.35 0.00 0.00
3-A-3 2,318,000.00 2,352,944.14 0.00 0.00 (11,764.72) 0.00
3-IO 0.00 0.00 0.00 0.00 0.00 0.00
4-A-1 115,510,000.00 113,202,170.18 429,904.68 615,150.59 0.00 0.00
4-IO 0.00 0.00 0.00 0.00 0.00 0.00
X-PO 15,171,278.00 14,984,840.22 16,370.84 55,344.72 0.00 0.00
15-PO 3,012,942.00 2,958,304.49 11,726.97 9,056.92 0.00 0.00
4-B-1 1,576,000.00 1,558,437.01 5,918.43 0.00 0.00 0.00
4-B-2 242,000.00 239,303.15 908.79 0.00 0.00 0.00
4-B-3 364,000.00 359,943.57 1,366.95 0.00 0.00 0.00
4-B-4 182,000.00 179,971.79 683.47 0.00 0.00 0.00
4-B-5 121,000.00 119,651.57 454.40 0.00 0.00 0.00
4-B-6 182,087.00 180,057.85 683.76 0.00 0.00 0.00
30-B-1 5,984,000.00 5,965,766.19 6,168.15 0.00 0.00 0.00
30-B-2 2,911,000.00 2,902,129.91 3,000.58 0.00 0.00 0.00
30-B-3 1,617,000.00 1,612,072.85 1,666.76 0.00 0.00 0.00
30-B-4 1,617,000.00 1,612,072.85 1,666.76 0.00 0.00 0.00
30-B-5 1,132,000.00 1,128,550.69 1,166.84 0.00 0.00 0.00
30-B-6 1,293,698.43 1,289,756.95 1,333.51 0.00 0.00 0.00
Totals 444,606,105.43 436,089,139.95 787,851.47 3,595,296.73 (11,764.72) 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 2,816,336.19 159,168,785.11 0.96227403 2,816,336.19
1-A-R 0.00 0.00 0.00000000 0.00
1-A-LR 0.00 0.00 0.00000000 0.00
2-A-1 336,658.34 91,522,526.44 0.97492998 336,658.34
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 67,580.55 27,745,279.91 0.98036394 67,580.55
3-A-3 (11,764.72) 2,364,708.86 1.02015050 (11,764.72)
3-IO 0.00 0.00 0.00000000 0.00
4-A-1 1,045,055.27 112,157,114.91 0.97097321 1,045,055.27
4-IO 0.00 0.00 0.00000000 0.00
X-PO 71,715.56 14,913,124.66 0.98298407 71,715.56
15-PO 20,783.89 2,937,520.60 0.97496752 20,783.89
4-B-1 5,918.43 1,552,518.58 0.98510062 5,918.43
4-B-2 908.79 238,394.35 0.98510062 908.79
4-B-3 1,366.95 358,576.63 0.98510063 1,366.95
4-B-4 683.47 179,288.31 0.98510060 683.47
4-B-5 454.40 119,197.18 0.98510066 454.40
4-B-6 683.76 179,374.08 0.98510097 683.76
30-B-1 6,168.15 5,959,598.04 0.99592213 6,168.15
30-B-2 3,000.58 2,899,129.33 0.99592213 3,000.58
30-B-3 1,666.76 1,610,406.09 0.99592213 1,666.76
30-B-4 1,666.76 1,610,406.09 0.99592213 1,666.76
30-B-5 1,166.84 1,127,383.85 0.99592213 1,166.84
30-B-6 1,333.51 1,288,423.44 0.99592255 1,333.51
Totals 4,371,383.48 431,717,756.46 0.97101176 4,371,383.48
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-1 165,409,000.00 979.30052960 1.01494175 16.01155735 0.00000000
1-A-R 50.00 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 50.00 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 93,876,000.00 978.51617858 1.01359112 2.57261132 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 28,301,000.00 982.75186248 1.47691601 0.91100491 0.00000000
3-A-3 2,318,000.00 1015.07512511 0.00000000 0.00000000 (5.07537532)
3-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 115,510,000.00 980.02051926 3.72179621 5.32551805 0.00000000
4-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
X-PO 15,171,278.00 987.71113548 1.07906796 3.64799327 0.00000000
15-PO 3,012,942.00 981.86572792 3.89219905 3.00600543 0.00000000
4-B-1 1,576,000.00 988.85597081 3.75534898 0.00000000 0.00000000
4-B-2 242,000.00 988.85599174 3.75533058 0.00000000 0.00000000
4-B-3 364,000.00 988.85596154 3.75535714 0.00000000 0.00000000
4-B-4 182,000.00 988.85598901 3.75532967 0.00000000 0.00000000
4-B-5 121,000.00 988.85595041 3.75537190 0.00000000 0.00000000
4-B-6 182,087.00 988.85615118 3.75512804 0.00000000 0.00000000
30-B-1 5,984,000.00 996.95290608 1.03077373 0.00000000 0.00000000
30-B-2 2,911,000.00 996.95290622 1.03077293 0.00000000 0.00000000
30-B-3 1,617,000.00 996.95290662 1.03077304 0.00000000 0.00000000
30-B-4 1,617,000.00 996.95290662 1.03077304 0.00000000 0.00000000
30-B-5 1,132,000.00 996.95290636 1.03077739 0.00000000 0.00000000
30-B-6 1,293,698.43 996.95332397 1.03077345 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 17.02649910 962.27403049 0.96227403 17.02649910
1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 3.58620244 974.92997614 0.97492998 3.58620244
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 2.38792092 980.36394156 0.98036394 2.38792092
3-A-3 0.00000000 (5.07537532) 1,020.15050043 1.02015050 (5.07537532)
3-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 0.00000000 9.04731426 970.97320500 0.97097321 9.04731426
4-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
X-PO 0.00000000 4.72706123 982.98407425 0.98298407 4.72706123
15-PO 0.00000000 6.89820448 974.96752344 0.97496752 6.89820448
4-B-1 0.00000000 3.75534898 985.10062183 0.98510062 3.75534898
4-B-2 0.00000000 3.75533058 985.10061983 0.98510062 3.75533058
4-B-3 0.00000000 3.75535714 985.10063187 0.98510063 3.75535714
4-B-4 0.00000000 3.75532967 985.10060440 0.98510060 3.75532967
4-B-5 0.00000000 3.75537190 985.10066116 0.98510066 3.75537190
4-B-6 0.00000000 3.75512804 985.10096822 0.98510097 3.75512804
30-B-1 0.00000000 1.03077373 995.92213235 0.99592213 1.03077373
30-B-2 0.00000000 1.03077293 995.92213329 0.99592213 1.03077293
30-B-3 0.00000000 1.03077304 995.92213358 0.99592213 1.03077304
30-B-4 0.00000000 1.03077304 995.92213358 0.99592213 1.03077304
30-B-5 0.00000000 1.03077739 995.92212898 0.99592213 1.03077739
30-B-6 0.00000000 1.03077345 995.92255051 0.99592255 1.03077345
<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% 161,985,121.30 809,925.61 0.00 0.00
1-A-R 50.00 6.00000% 0.00 0.00 0.00 0.00
1-A-LR 50.00 6.00000% 0.00 0.00 0.00 0.00
2-A-1 93,876,000.00 6.00000% 91,859,184.78 459,295.92 0.00 0.00
CB-IO 0.00 6.00000% 935,532.47 4,677.66 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% 27,812,860.46 139,064.30 0.00 0.00
3-A-3 2,318,000.00 6.00000% 2,352,944.14 11,764.72 0.00 0.00
3-IO 0.00 6.00000% 211,622.56 1,058.11 0.00 0.00
4-A-1 115,510,000.00 5.00000% 113,202,170.18 471,675.71 0.00 0.00
4-IO 0.00 5.00000% 4,039,432.32 16,830.97 0.00 0.00
X-PO 15,171,278.00 0.00000% 14,984,840.22 0.00 0.00 0.00
15-PO 3,012,942.00 0.00000% 2,958,304.49 0.00 0.00 0.00
4-B-1 1,576,000.00 5.00000% 1,558,437.01 6,493.49 0.00 0.00
4-B-2 242,000.00 5.00000% 239,303.15 997.10 0.00 0.00
4-B-3 364,000.00 5.00000% 359,943.57 1,499.76 0.00 0.00
4-B-4 182,000.00 5.00000% 179,971.79 749.88 0.00 0.00
4-B-5 121,000.00 5.00000% 119,651.57 498.55 0.00 0.00
4-B-6 182,087.00 5.00000% 180,057.85 750.24 0.00 0.00
30-B-1 5,984,000.00 6.00000% 5,965,766.19 29,828.83 0.00 0.00
30-B-2 2,911,000.00 6.00000% 2,902,129.91 14,510.65 0.00 0.00
30-B-3 1,617,000.00 6.00000% 1,612,072.85 8,060.36 0.00 0.00
30-B-4 1,617,000.00 6.00000% 1,612,072.85 8,060.36 0.00 0.00
30-B-5 1,132,000.00 6.00000% 1,128,550.69 5,642.75 0.00 0.00
30-B-6 1,293,698.43 6.00000% 1,289,756.95 6,448.78 0.00 0.00
Totals 444,606,105.43 2,016,763.75 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 0.00 809,925.61 0.00 159,168,785.11
1-A-R 0.00 0.00 0.11 0.00 0.00
1-A-LR 0.00 0.00 0.00 0.00 0.00
2-A-1 0.00 0.00 459,295.92 0.00 91,522,526.44
CB-IO 0.00 0.00 4,677.66 0.00 911,009.72
3-A-1 0.00 0.00 18,930.00 0.00 3,786,000.00
3-A-2 0.00 0.00 139,064.30 0.00 27,745,279.91
3-A-3 0.00 0.00 11,764.72 0.00 2,364,708.86
3-IO 0.00 0.00 1,058.11 0.00 211,422.35
4-A-1 0.00 0.00 471,675.71 0.00 112,157,114.91
4-IO 0.00 0.00 16,830.97 0.00 4,001,560.25
X-PO 0.00 0.00 0.00 0.00 14,913,124.66
15-PO 0.00 0.00 0.00 0.00 2,937,520.60
4-B-1 0.00 0.00 6,493.49 0.00 1,552,518.58
4-B-2 0.00 0.00 997.10 0.00 238,394.35
4-B-3 0.00 0.00 1,499.76 0.00 358,576.63
4-B-4 0.00 0.00 749.88 0.00 179,288.31
4-B-5 0.00 0.00 498.55 0.00 119,197.18
4-B-6 0.00 0.00 750.24 0.00 179,374.08
30-B-1 0.00 0.00 29,828.83 0.00 5,959,598.04
30-B-2 0.00 0.00 14,510.65 0.00 2,899,129.33
30-B-3 0.00 0.00 8,060.36 0.00 1,610,406.09
30-B-4 0.00 0.00 8,060.36 0.00 1,610,406.09
30-B-5 0.00 0.00 5,642.75 0.00 1,127,383.85
30-B-6 0.00 0.00 6,448.78 0.00 1,288,423.44
Totals 0.00 0.00 2,016,763.86 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% 979.30052960 4.89650267 0.00000000 0.00000000
1-A-R 50.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 50.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 93,876,000.00 6.00000% 978.51617858 4.89258085 0.00000000 0.00000000
CB-IO 0.00 6.00000% 918.62804212 4.59313790 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% 982.75186248 4.91375923 0.00000000 0.00000000
3-A-3 2,318,000.00 6.00000% 1015.07512511 5.07537532 0.00000000 0.00000000
3-IO 0.00 6.00000% 997.24260713 4.98619984 0.00000000 0.00000000
4-A-1 115,510,000.00 5.00000% 980.02051926 4.08341884 0.00000000 0.00000000
4-IO 0.00 5.00000% 980.09286074 4.08372074 0.00000000 0.00000000
X-PO 15,171,278.00 0.00000% 987.71113548 0.00000000 0.00000000 0.00000000
15-PO 3,012,942.00 0.00000% 981.86572792 0.00000000 0.00000000 0.00000000
4-B-1 1,576,000.00 5.00000% 988.85597081 4.12023477 0.00000000 0.00000000
4-B-2 242,000.00 5.00000% 988.85599174 4.12024793 0.00000000 0.00000000
4-B-3 364,000.00 5.00000% 988.85596154 4.12021978 0.00000000 0.00000000
4-B-4 182,000.00 5.00000% 988.85598901 4.12021978 0.00000000 0.00000000
4-B-5 121,000.00 5.00000% 988.85595041 4.12024793 0.00000000 0.00000000
4-B-6 182,087.00 5.00000% 988.85615118 4.12022824 0.00000000 0.00000000
30-B-1 5,984,000.00 6.00000% 996.95290608 4.98476437 0.00000000 0.00000000
30-B-2 2,911,000.00 6.00000% 996.95290622 4.98476469 0.00000000 0.00000000
30-B-3 1,617,000.00 6.00000% 996.95290662 4.98476190 0.00000000 0.00000000
30-B-4 1,617,000.00 6.00000% 996.95290662 4.98476190 0.00000000 0.00000000
30-B-5 1,132,000.00 6.00000% 996.95290636 4.98476148 0.00000000 0.00000000
30-B-6 1,293,698.43 6.00000% 996.95332397 4.98476295 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 4.89650267 0.00000000 962.27403049
1-A-R 0.00000000 0.00000000 2.20000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 0.00000000 4.89258085 0.00000000 974.92997614
CB-IO 0.00000000 0.00000000 4.59313790 0.00000000 894.54840134
3-A-1 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
3-A-2 0.00000000 0.00000000 4.91375923 0.00000000 980.36394156
3-A-3 0.00000000 0.00000000 5.07537532 0.00000000 1020.15050043
3-IO 0.00000000 0.00000000 4.98619984 0.00000000 996.29914466
4-A-1 0.00000000 0.00000000 4.08341884 0.00000000 970.97320500
4-IO 0.00000000 0.00000000 4.08372074 0.00000000 970.90390979
X-PO 0.00000000 0.00000000 0.00000000 0.00000000 982.98407425
15-PO 0.00000000 0.00000000 0.00000000 0.00000000 974.96752344
4-B-1 0.00000000 0.00000000 4.12023477 0.00000000 985.10062183
4-B-2 0.00000000 0.00000000 4.12024793 0.00000000 985.10061983
4-B-3 0.00000000 0.00000000 4.12021978 0.00000000 985.10063187
4-B-4 0.00000000 0.00000000 4.12021978 0.00000000 985.10060440
4-B-5 0.00000000 0.00000000 4.12024793 0.00000000 985.10066116
4-B-6 0.00000000 0.00000000 4.12022824 0.00000000 985.10096822
30-B-1 0.00000000 0.00000000 4.98476437 0.00000000 995.92213235
30-B-2 0.00000000 0.00000000 4.98476469 0.00000000 995.92213329
30-B-3 0.00000000 0.00000000 4.98476190 0.00000000 995.92213358
30-B-4 0.00000000 0.00000000 4.98476190 0.00000000 995.92213358
30-B-5 0.00000000 0.00000000 4.98476148 0.00000000 995.92212898
30-B-6 0.00000000 0.00000000 4.98476295 0.00000000 995.92255051
<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% 574,157.71 559,994.38 0.00 0.00 90.10241578%
2-IO 6.00000% 361,374.76 351,015.34 0.00 0.00 88.44077885%
1-PO 0.00000% 0.00 0.00 9,190,735.70 9,127,176.90 97.89980090%
2-PO 0.00000% 0.00 0.00 4,052,715.30 4,047,894.12 99.07766076%
3-PO 0.00000% 0.00 0.00 1,731,570.57 1,728,303.96 98.60679411%
4-PO 0.00000% 0.00 0.00 9,818.66 9,749.68 97.49680000%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 6,480,997.97
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 6,480,997.97
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 92,850.63
Payment of Interest and Principal 6,388,147.34
Total Withdrawals (Pool Distribution Amount) 6,480,997.97
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 90,851.89
Trustee Fee - Wells Fargo Bank, N.A. 1,998.74
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 92,850.63
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 14 0 0 0 14
1,966,181.45 0.00 0.00 0.00 1,966,181.45
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 1 0 1
0.00 0.00 72,925.57 0.00 72,925.57
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 14 0 1 0 15
1,966,181.45 0.00 72,925.57 0.00 2,039,107.02
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 0.457218% 0.000000% 0.000000% 0.000000% 0.457218%
0.454750% 0.000000% 0.000000% 0.000000% 0.454750%
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% 0.032658% 0.000000% 0.032658%
0.000000% 0.000000% 0.016867% 0.000000% 0.016867%
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 0.457218% 0.000000% 0.032658% 0.000000% 0.489876%
0.454750% 0.000000% 0.016867% 0.000000% 0.471617%
Delinquency Status By Groups
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 30 Year Fixed 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 6 0 0 0 6
551,561.34 0.00 0.00 0.00 551,561.34
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 6 0 0 0 6
551,561.34 0.00 0.00 0.00 551,561.34
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.449775% 0.000000% 0.000000% 0.000000% 0.449775%
0.312234% 0.000000% 0.000000% 0.000000% 0.312234%
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 0.449775% 0.000000% 0.000000% 0.000000% 0.449775%
0.312234% 0.000000% 0.000000% 0.000000% 0.312234%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 30 Year Fixed 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 3 0 0 0 3
642,463.57 0.00 0.00 0.00 642,463.57
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 1 0 1
0.00 0.00 72,925.57 0.00 72,925.57
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 3 0 1 0 4
642,463.57 0.00 72,925.57 0.00 715,389.14
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.464396% 0.000000% 0.000000% 0.000000% 0.464396%
0.640877% 0.000000% 0.000000% 0.000000% 0.640877%
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% 0.154799% 0.000000% 0.154799%
0.000000% 0.000000% 0.072745% 0.000000% 0.072745%
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 0.464396% 0.000000% 0.154799% 0.000000% 0.619195%
0.640877% 0.000000% 0.072745% 0.000000% 0.713623%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 30 Year Fixed 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
485,758.22 0.00 0.00 0.00 485,758.22
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
485,758.22 0.00 0.00 0.00 485,758.22
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 1.282051% 0.000000% 0.000000% 0.000000% 1.282051%
1.300373% 0.000000% 0.000000% 0.000000% 1.300373%
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 1.282051% 0.000000% 0.000000% 0.000000% 1.282051%
1.300373% 0.000000% 0.000000% 0.000000% 1.300373%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 15 Year Fixed 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 4 0 0 0 4
286,398.32 0.00 0.00 0.00 286,398.32
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 4 0 0 0 4
286,398.32 0.00 0.00 0.00 286,398.32
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.398406% 0.000000% 0.000000% 0.000000% 0.398406%
0.242479% 0.000000% 0.000000% 0.000000% 0.242479%
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 0.398406% 0.000000% 0.000000% 0.000000% 0.398406%
0.242479% 0.000000% 0.000000% 0.000000% 0.242479%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 12,439.25
COLLATERAL STATEMENT
Collateral Description Fixed
Weighted Average Gross Coupon 5.805092%
Weighted Average Net Coupon 5.555092%
Weighted Average Pass-Through Rate 5.549592%
Weighted Average Maturity(Stepdown Calculation ) 354
Beginning Scheduled Collateral Loan Count 3,085
Number Of Loans Paid In Full 23
Ending Scheduled Collateral Loan Count 3,062
Beginning Scheduled Collateral Balance 436,089,139.64
Ending Scheduled Collateral Balance 431,717,756.11
Ending Actual Collateral Balance at 30-Sep-2004 432,365,376.73
Monthly P &I Constant 2,890,189.80
Special Servicing Fee 0.00
Prepayment Penalties 0.00
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Scheduled Principal 780,575.11
Unscheduled Principal 3,590,808.42
Group Level Collateral Statement
Group 1 - 30 Year Fixed 1 - 30 Year Fixed 1 - 30 Year Fixed
Collateral Description Fixed 30 Year Fixed 30 Year Fixed 30 Year
Weighted Average Coupon Rate 5.967297 6.035153 6.011546
Weighted Average Net Rate 5.717297 5.785153 5.761546
Weighted Average Maturity 354 354 355
Beginning Loan Count 1,349 648 78
Loans Paid In Full 15 2 0
Ending Loan Count 1,334 646 78
Beginning Scheduled Balance 179,384,611.72 100,514,178.66 37,382,690.76
Ending scheduled Balance 176,496,209.23 100,167,931.89 37,321,880.48
Record Date 09/30/2004 09/30/2004 09/30/2004
Principal And Interest Constant 1,078,402.17 609,938.64 225,370.75
Scheduled Principal 186,367.84 104,423.24 38,097.61
Unscheduled Principal 2,702,034.65 241,823.53 22,712.67
Scheduled Interest 892,034.33 505,515.40 187,273.14
Servicing Fees 37,371.79 20,940.45 7,788.07
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 822.18 460.68 171.34
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 853,840.36 484,114.27 179,313.73
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 5.711797 5.779653 5.756046
Group Level Collateral Statement
Group 1 - 15 Year Fixed Total
Collateral Description Fixed 30 Year Fixed
Weighted Average Coupon Rate 5.300586 5.805092
Weighted Average Net Rate 5.050586 5.555092
Weighted Average Maturity 175 354
Beginning Loan Count 1,010 3,085
Loans Paid In Full 6 23
Ending Loan Count 1,004 3,062
Beginning Scheduled Balance 118,807,658.50 436,089,139.64
Ending scheduled Balance 117,731,734.51 431,717,756.11
Record Date 09/30/2004 09/30/2004
Principal And Interest Constant 976,478.24 2,890,189.80
Scheduled Principal 451,686.42 780,575.11
Unscheduled Principal 624,237.57 3,590,808.42
Scheduled Interest 524,791.82 2,109,614.69
Servicing Fees 24,751.58 90,851.89
Master Servicing Fees 0.00 0.00
Trustee Fee 544.54 1,998.74
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 499,495.70 2,016,764.06
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 5.045086 5.549592
Miscellaneous Reporting
Group 1 - 30 Year Fixed
CPR 16.666506%
Subordinate Percenatge 4.823178%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.176822%
Group 1 - 30 Year Fixed
CPR 2.852064%
Subordinate Percenatge 4.771116%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.228884%
Group 1 - 30 Year Fixed
CPR 0.727394%
Subordinate Percenatge 4.766512%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.233488%
Miscellaneous Reporting
Group 1 - 15 Year Fixed
CPR 6.148679%
Subordinate Percenatge 2.276740%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 97.723260%