8-K 1 rma04001_nov.txt NOVEMBER 8K 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): November 26, 2004 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-106896-03 54-2161143 Pooling and Servicing Agreement) (Commission 54-2161144 (State or other File Number) 54-2161145 jurisdiction 54-2161146 of Incorporation) 54-2161147 IRS EIN 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 November 26, 2004 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2004-1 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-1 Trust, relating to the November 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. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-1 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: 11/30/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-1 Trust, relating to the November 26, 2004 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. Home Equity Loan Asset-Backed ~~Certificates~~Certs. Record Date: 810/31/2004 Distribution Date: 911/2726/2004 RMAC Series: 2004-1 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 AV1 759950CA4 SEN 12.~~99500~~31250% ~~106~~101,~~042~~687,~~955~~972.2781 ~~193~~208,~~883~~976.1260 12,~~925~~614,~~814~~371.5853 AV2 759950CB2 SEN 12.~~77500~~09250% ~~182~~168,~~042~~914,~~435~~301.4997 ~~296~~314,~~132~~107.6343 57,~~805~~881,~~385~~046.2431 AV3 759950CC0 SEN 2.~~08500~~40250% 137,625,000.00 ~~262~~293,~~977~~837.5438 0.00 AIO1 759950CD8 SEN 1.~~80000~~50000% 0.00 ~~650~~489,~~702~~931.8078 0.00 AIO2 759950CE6 SEN 0.40000% 0.00 ~~133~~116,~~740~~861.3555 0.00 M1 759950CF3 MEZ 2.~~19500~~51250% 33,000,000.00 6673,~~384~~682.0584 0.00 M2 759950CG1 MEZ 23.~~86500~~18250% 28,875,000.00 7581,~~816~~665.1814 0.00 M3 759950CH9 MEZ 3.~~06500~~38250% 9,625,000.00 2728,~~036~~932.2543 0.00 M4 759950CJ5 MEZ 3.~~41500~~73250% 8,250,000.00 2527,~~820~~365.2229 0.00 M5 759950CK2 MEZ 3.~~56500~~88250% 6,875,000.00 2223,~~461~~720.9586 0.00 M6 759950CL0 MEZ 5.~~11500~~43250% 6,050,000.00 2829,~~360~~207.6697 0.00 BIO RMA034BIO MEZ 0.00000% 0.01 1,~~565~~541,~~598~~786.4510 0.00 P RMA03004P SEN 0.00000% 0.01 ~~177~~193,~~152~~938.3890 0.00 Totals ~~518~~500,~~385~~902,~~390~~274.7880 3,~~526~~424,~~066~~014.5827 710,~~731~~495,~~199~~417.8284

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AV1 0.00 ~~104~~99,~~117~~073,~~140~~601.7028 2,~~119~~823,~~697~~348.7013 0.00 AV2 0.00 ~~176~~161,~~237~~033,~~050~~255.2466 68,~~101~~195,~~517~~153.8774 0.00 AV3 0.00 137,625,000.00 ~~262~~293,~~977~~837.5438 0.00 AIO1 0.00 0.00 ~~650~~489,~~702~~931.8078 0.00 AIO2 0.00 0.00 ~~133~~116,~~740~~861.3555 0.00 M1 0.00 33,000,000.00 6673,~~384~~682.0584 0.00 M2 0.00 28,875,000.00 7581,~~816~~665.1814 0.00 M3 0.00 9,625,000.00 2728,~~036~~932.2543 0.00 M4 0.00 8,250,000.00 2527,~~820~~365.2229 0.00 M5 0.00 6,875,000.00 2223,~~461~~720.9586 0.00 M6 0.00 6,050,000.00 2829,~~360~~207.6697 0.00 BIO 0.00 0.01 1,~~565~~541,~~598~~786.4510 0.00 P 0.00 0.01 ~~177~~193,~~152~~938.3890 0.00 Totals 0.00 ~~510~~490,~~654~~406,~~190~~856.96 1113,~~257~~919,~~266~~432.4011 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) AV1 112,000,000.00 ~~106~~101,~~042~~687,~~955~~972.2781 0.00 12,~~925~~614,~~814~~371.5853 0.00 0.00 AV2 200,000,000.00 ~~182~~168,~~042~~914,~~435~~301.4997 0.00 57,~~805~~881,~~385~~046.2431 0.00 0.00 AV3 137,625,000.00 137,625,000.00 0.00 0.00 0.00 0.00 AIO1 0.00 0.00 0.00 0.00 0.00 0.00 AIO2 0.00 0.00 0.00 0.00 0.00 0.00 M1 33,000,000.00 33,000,000.00 0.00 0.00 0.00 0.00 M2 28,875,000.00 28,875,000.00 0.00 0.00 0.00 0.00 M3 9,625,000.00 9,625,000.00 0.00 0.00 0.00 0.00 M4 8,250,000.00 8,250,000.00 0.00 0.00 0.00 0.00 M5 6,875,000.00 6,875,000.00 0.00 0.00 0.00 0.00 M6 6,050,000.00 6,050,000.00 0.00 0.00 0.00 0.00 BIO 0.00 0.01 0.00 0.00 0.00 0.00 P 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 Totals 542,300,000.00 ~~518~~500,~~385~~902,~~390~~274.7981 0.00 710,~~731~~495,~~199~~417.8284 0.00 0.00 (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.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution AV1 12,~~925~~614,~~814~~371.5853 ~~104~~99,~~117~~073,~~140~~601.7028 0.~~92961733~~88458573 12,~~925~~614,~~814~~371.5853 AV2 57,~~805~~881,~~385~~046.2431 ~~176~~161,~~237~~033,~~050~~255.2466 0.~~88118525~~80516628 57,~~805~~881,~~385~~046.2431 AV3 0.00 137,625,000.00 1.00000000 0.00 AIO1 0.00 0.00 0.00000000 0.00 AIO2 0.00 0.00 0.00000000 0.00 M1 0.00 33,000,000.00 1.00000000 0.00 M2 0.00 28,875,000.00 1.00000000 0.00 M3 0.00 9,625,000.00 1.00000000 0.00 M4 0.00 8,250,000.00 1.00000000 0.00 M5 0.00 6,875,000.00 1.00000000 0.00 M6 0.00 6,050,000.00 1.00000000 0.00 BIO 0.00 0.01 0.00000000 0.00 P 0.00 0.01 0.00000000 0.00 P 0.00 0.01 0.00000000 0.00 Totals 710,~~731~~495,~~199~~417.8284 ~~510~~490,~~654~~406,~~190~~856.97 0.~~94164520~~90430916 710,~~731~~495,~~199~~417.8284

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion AV1 112,000,000.00 ~~946~~907.~~81210063~~92832866 0.00000000 1723.~~19477304~~34260295 0.00000000 AV2 200,000,000.00 ~~910~~844.~~21217745~~57150985 0.00000000 2939.~~02692620~~40523155 0.00000000 AV3 137,625,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AIO1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 AIO2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 M1 33,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M2 28,875,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M3 9,625,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M4 8,250,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M5 6,875,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M6 6,050,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All classes are per $1000 denomination

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution AV1 0.00000000 1723.~~19477304~~34260295 ~~929~~884.~~61732768~~58572571 0.~~92961733~~88458573 1723.~~19477304~~34260295 AV2 0.00000000 2939.~~02692620~~40523155 ~~881~~805.~~18525120~~16627830 0.~~88118525~~80516628 2939.~~02692620~~40523155 AV3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AIO1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 AIO2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 M1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (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.

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 AV1 112,000,000.00 12.~~99500~~31250% ~~106~~101,~~042~~687,~~955~~972.2781 ~~193~~209,~~926~~025.0528 0.00 0.00 AV2 200,000,000.00 12.~~77500~~09250% ~~182~~168,~~042~~914,~~435~~301.4997 ~~296~~314,~~198~~180.2160 0.00 0.00 AV3 137,625,000.00 2.~~08500~~40250% 137,625,000.00 ~~263~~293,~~035~~905.7883 0.00 0.00 AIO1 0.00 1.~~80000~~50000% ~~433~~392,~~897~~036,~~933~~733.6333 ~~650~~490,~~846~~045.9092 0.00 0.00 AIO2 0.00 0.40000% ~~401~~350,~~309~~666,~~907~~318.5282 ~~133~~116,~~769~~888.9777 0.00 0.00 M1 33,000,000.00 2.~~19500~~51250% 33,000,000.00 6673,~~398~~700.7500 0.00 0.00 M2 28,875,000.00 23.~~86500~~18250% 28,875,000.00 7581,~~832~~684.9717 0.00 0.00 M3 9,625,000.00 3.~~06500~~38250% 9,625,000.00 2728,~~042~~939.2417 0.00 0.00 M4 8,250,000.00 3.~~41500~~73250% 8,250,000.00 2527,~~825~~371.9467 0.00 0.00 M5 6,875,000.00 3.~~56500~~88250% 6,875,000.00 2223,~~466~~726.9339 0.00 0.00 M6 6,050,000.00 5.~~11500~~43250% 6,050,000.00 2829,~~366~~214.9478 0.00 0.00 BIO 0.00 0.00000% 0.01 0.00 0.00 0.00 P 0.00 0.00000% 0.01 0.00 0.00 0.00 Totals 542,300,000.00 1,~~783~~688,~~710~~682.6858 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 AV1 4248.9468 0.00 ~~193~~208,~~883~~976.1260 0.00 ~~104~~99,~~117~~073,~~140~~601.7028 AV2 6573.5817 0.00 ~~296~~314,~~132~~107.6343 0.00 ~~176~~161,~~237~~033,~~050~~255.2466 AV3 5868.2445 0.00 ~~262~~293,~~977~~837.5438 0.00 137,625,000.00 AIO1 ~~144~~114.1013 0.00 ~~650~~489,~~702~~931.8078 0.00 ~~412~~372,~~437~~642,~~988~~052.0613 AIO2 2927.6222 0.00 ~~133~~116,~~740~~861.3555 0.00 ~~375~~327,~~135~~790,~~751~~718.6325 M1 1417.7016 0.00 6673,~~384~~682.0584 0.00 33,000,000.00 M2 1619.7902 0.00 7581,~~816~~665.1814 0.00 28,875,000.00 M3 56.9974 0.00 2728,~~036~~932.2543 0.00 9,625,000.00 M4 56.7237 0.00 2527,~~820~~365.2229 0.00 8,250,000.00 M5 45.9753 0.00 2223,~~461~~720.9586 0.00 6,875,000.00 M6 6.2880 0.00 2829,~~360~~207.6697 0.00 6,050,000.00 BIO 0.00 0.00 1,~~565~~541,~~598~~786.4510 0.00 0.01 P 0.00 0.00 ~~177~~193,~~152~~938.3890 0.00 0.01 Totals ~~394~~393.9327 0.00 3,~~526~~424,~~066~~014.5827 0.00 (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.

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 AV1 112,000,000.00 12.~~99500~~31250% ~~946~~907.~~81210063~~92832866 1.~~73148259~~86629714 0.00000000 0.00000000 AV2 200,000,000.00 12.~~77500~~09250% ~~910~~844.~~21217745~~57150985 1.~~48099105~~57090300 0.00000000 0.00000000 AV3 137,625,000.00 2.~~08500~~40250% 1000.00000000 12.~~91124999~~13555553 0.00000000 0.00000000 AIO1 0.00 1.~~80000~~50000% ~~811~~732.~~02417501~~77894080 10.~~21653626~~91597368 0.00000000 0.00000000 AIO2 0.00 0.40000% ~~750~~655.~~11197667~~45106321 0.~~25003733~~21848368 0.00000000 0.00000000 M1 33,000,000.00 2.~~19500~~51250% 1000.00000000 2.~~01208333~~23333333 0.00000000 0.00000000 M2 28,875,000.00 23.~~86500~~18250% 1000.00000000 2.~~62625004~~82888900 0.00000000 0.00000000 M3 9,625,000.00 3.~~06500~~38250% 1000.00000000 23.~~80958338~~00666701 0.00000000 0.00000000 M4 8,250,000.00 3.~~41500~~73250% 1000.00000000 3.~~13041697~~31777818 0.00000000 0.00000000 M5 6,875,000.00 3.~~56500~~88250% 1000.00000000 3.~~26791709~~45111127 0.00000000 0.00000000 M6 6,050,000.00 5.~~11500~~43250% 1000.00000000 4.~~68875041~~82888926 0.00000000 0.00000000 BIO 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes per $1000 denomination

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance AV1 0.~~00038339~~00043464 0.00000000 1.~~73109929~~86586250 0.00000000 ~~929~~884.~~61732768~~58572571 AV2 0.~~00032790~~00036585 0.00000000 1.~~48066315~~57053715 0.00000000 ~~881~~805.~~18525120~~16627830 AV3 0.~~00042318~~00049737 0.00000000 12.~~91082681~~13505817 0.00000000 1000.00000000 AIO1 0.~~00026935~~00021333 0.00000000 10.~~21626692~~91576034 0.00000000 ~~770~~696.~~91212721~~52720024 AIO2 0.~~00005536~~00005088 0.00000000 0.~~24998196~~21843280 0.00000000 ~~701~~612.~~18832080~~69293131 M1 0.~~00044545~~00052000 0.00000000 2.~~01163788~~23281333 0.00000000 1000.00000000 M2 0.~~00058147~~00065870 0.00000000 2.~~62566857~~82822996 0.00000000 1000.00000000 M3 0.~~00062234~~00070026 0.00000000 23.~~80896104~~00596675 0.00000000 1000.00000000 M4 0.~~00069333~~00077212 0.00000000 3.~~12972364~~31700485 0.00000000 1000.00000000 M5 0.~~00072291~~00080436 0.00000000 3.~~26719273~~45030691 0.00000000 1000.00000000 M6 0.~~00103802~~00112397 0.00000000 4.~~68771240~~82776364 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (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.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 1114,~~393~~051,~~610~~244.1987 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 1114,~~393~~051,~~610~~244.1987 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~136~~131,~~343~~812.7976 Payment of Interest and Principal 1113,~~257~~919,~~266~~432.4011 Total Withdrawals (Pool Distribution Amount) 1114,~~393~~051,~~610~~244.1987 Ending Balance 0.00

PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall ~~394~~393.9327

SERVICING FEES Gross Servicing Fee ~~131~~127,~~521~~150.3557 Wells Fargo Bank, NA 42,~~822~~543.4401 Wells Fargo Bank, NA (Custodian) 02,119.0018 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~136~~131,~~343~~812.7976

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total 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 75 0 0 75 ~~559~~299,~~828~~705.8994 0.00 0.00 ~~559~~299,~~828~~705.8994 30 Days 8694 13 0 0 8797 1214,~~080~~165,~~143~~483.2308 99240,~~674~~136.3010 0.00 0.00 1214,~~179~~405,~~817~~619.5318 60 Days 925 0 2718 0 3643 13,~~027~~215,~~774~~509.4276 0.00 32,~~375~~136,~~968~~035.8875 0.00 45,~~403~~351,~~743~~545.3051 90 Days 4 02 1331 0 1737 ~~354~~538,~~512~~927.0323 0395,030.0085 13,~~720~~963,~~718~~580.5926 0.00 24,~~075~~897,~~230~~538.6234 120 Days 13 0 719 01 823 ~~152~~459,~~514~~589.8539 0.00 ~~510~~1,~~855~~993,470.9664 0120,732.0013 ~~663~~2,~~370~~573,792.8116 150 Days 02 0 09 01 012 0149,052.0081 0.00 01,428,764.0090 059,314.0062 01,637,132.0033 180+ Days 01 0 06 0 07 0152,348.0011 0.00 0413,038.0040 0.00 0565,386.0051 Totals ~~100~~129 810 4783 02 ~~155~~224 1318,~~614~~680,~~944~~910.5338 ~~659~~934,~~503~~872.1989 59,~~607~~934,~~543~~889.4395 0180,046.0075 1929,~~881~~730,~~991~~719.1597 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.~~191309~~142328% 0.000000% 0.000000% 0.~~191309~~142328% 0.~~108001~~060169% 0.000000% 0.000000% 0.~~108001~~060169% 30 Days 2.~~350369~~675776% 0.~~027330~~085397% 0.000000% 0.000000% 2.~~377699~~761173% 2.~~330480~~843864% 0.~~019229~~048210% 0.000000% 0.000000% 2.~~349709~~892074% 60 Days 0.~~245969~~711642% 0.000000% 0.~~737907~~512383% 0.000000% 01.~~983875~~224025% 0.~~198276~~645546% 0.000000% 0.~~651286~~428831% 0.000000% 01.~~849563~~074377% 90 Days 0.~~109319~~113863% 0.~~000000~~056931% 0.~~355288~~882437% 0.000000% 01.~~464608~~053231% 0.~~068392~~108195% 0.~~000000~~079306% 0.~~331958~~795729% 0.000000% 0.~~400350~~983230% 120 Days 0.~~027330~~085397% 0.000000% 0.~~191309~~540848% 0.~~000000~~028466% 0.~~218639~~654711% 0.~~029423~~092267% 0.000000% 0.~~098553~~400209% 0.~~000000~~024238% 0.~~127976~~516715% 150 Days 0.~~000000~~056931% 0.000000% 0.~~000000~~256191% 0.~~000000~~028466% 0.~~000000~~341588% 0.~~000000~~029924% 0.000000% 0.~~000000~~286839% 0.~~000000~~011908% 0.~~000000~~328671% 180+ Days 0.~~000000~~028466% 0.000000% 0.~~000000~~170794% 0.000000% 0.~~000000~~199260% 0.~~000000~~030585% 0.000000% 0.~~000000~~082922% 0.000000% 0.~~000000~~113507% Totals 23.~~732987~~672075% 0.~~218639~~284657% 12.~~284504~~362653% 0.~~000000~~056931% 46.~~236130~~376317% 23.~~626572~~750382% 0.~~127230~~187685% 1.~~081798~~994530% 0.~~000000~~036146% 35.~~835600~~968743%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 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 53 0 0 53 ~~386~~160,~~436~~773.7267 0.00 0.00 ~~386~~160,~~436~~773.7267 30 Days 5863 13 0 0 5966 79,~~720~~764,~~465~~076.1349 99240,~~674~~136.3010 0.00 0.00 710,~~820~~004,~~139~~212.4359 60 Days 518 0 2012 0 2530 ~~368~~1,~~164~~610,443.6735 0.00 21,~~520~~391,~~623~~772.3459 0.00 23,~~888~~002,~~788~~215.0194 90 Days 32 01 822 0 1125 ~~267~~156,~~587~~404.6560 099,578.0090 ~~832~~2,~~268~~680,645.4077 0.00 12,~~099~~936,~~856~~629.0527 120 Days 01 0 414 0 415 0114,223.0043 0.00 ~~270~~1,~~512~~447,032.0871 0.00 ~~270~~1,~~512~~561,256.0814 150 Days 01 0 06 01 08 062,223.0048 0.00 0820,148.0032 059,314.0062 0941,686.0042 180 Days 0 0 04 0 04 0.00 0.00 0270,196.0063 0.00 0270,196.0063 Totals 6685 67 3258 01 ~~104~~151 811,~~356~~707,~~217~~371.4535 ~~486~~500,~~111~~488.0267 36,~~623~~609,~~403~~796.8202 059,314.0062 1218,~~465~~876,~~732~~970.2966 0-29 Days 0.~~170765~~106157% 0.000000% 0.000000% 0.~~170765~~106157% 0.~~093759~~040385% 0.000000% 0.000000% 0.~~093759~~040385% 30 Days 12.~~980874~~229299% 0.~~034153~~106157% 0.000000% 0.000000% 2.~~015027~~335456% 12.~~873182~~452639% 0.~~024184~~060320% 0.000000% 0.000000% 12.~~897365~~512959% 60 Days 0.~~170765~~636943% 0.000000% 0.~~683060~~424628% 0.000000% 01.~~853825~~061571% 0.~~089326~~404527% 0.000000% 0.~~611567~~349600% 0.000000% 0.~~700894~~754127% 90 Days 0.~~102459~~070771% 0.~~000000~~035386% 0.~~273224~~778485% 0.000000% 0.~~375683~~884643% 0.~~064924~~039287% 0.~~000000~~025013% 0.~~201930~~673352% 0.000000% 0.~~266853~~737652% 120 Days 0.~~000000~~035386% 0.000000% 0.~~136612~~495400% 0.000000% 0.~~136612~~530786% 0.~~000000~~028692% 0.000000% 0.~~065633~~363480% 0.000000% 0.~~065633~~392172% 150 Days 0.~~000000~~035386% 0.000000% 0.~~000000~~212314% 0.~~000000~~035386% 0.~~000000~~283086% 0.~~000000~~015630% 0.000000% 0.~~000000~~206013% 0.~~000000~~014899% 0.~~000000~~236542% 180 Days 0.000000% 0.000000% 0.~~000000~~141543% 0.000000% 0.~~000000~~141543% 0.000000% 0.000000% 0.~~000000~~067871% 0.000000% 0.~~000000~~067871% Totals 23.~~254098~~007785% 0.~~204918~~247700% 12.~~092896~~052371% 0.~~000000~~035386% 35.~~551913~~343241% 2.~~027431~~940776% 0.~~117943~~125718% 01.~~879130~~660315% 0.~~000000~~014899% 34.~~024504~~741708% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Arm 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 2 0 0 2 ~~173~~138,~~392~~932.1727 0.00 0.00 ~~173~~138,~~392~~932.1727 30 Days 2831 0 0 0 2831 4,~~359~~401,~~678~~406.1059 0.00 0.00 0.00 4,~~359~~401,~~678~~406.1059 60 Days 47 0 76 0 1113 ~~659~~1,~~609~~605,066.7541 0.00 ~~855~~744,~~345~~263.5416 0.00 12,~~514~~349,~~955~~329.2957 90 Days 2 1 09 5 0 612 86382,~~924~~522.3863 0295,451.0095 ~~888~~1,~~450~~282,934.1949 0.00 ~~975~~1,~~374~~960,909.5707 120 Days 12 0 35 01 48 ~~152~~345,~~514~~365.8596 0.00 ~~240~~546,~~343~~437.8893 0120,732.0013 ~~392~~1,~~858~~012,536.7302 150 Days 01 0 03 0 04 086,829.0033 0.00 0608,616.0058 0.00 0695,445.0091 180 Days 01 0 02 0 03 0152,348.0011 0.00 0142,841.0077 0.00 0295,189.0088 Totals 3444 23 1525 01 5173 56,~~258~~973,~~727~~539.0803 ~~173~~434,~~392~~384.1722 13,~~984~~325,~~139~~093.6193 0120,732.0013 710,~~416~~853,~~258~~749.8631 0-29 Days 0.~~273598~~291121% 0.000000% 0.000000% 0.~~273598~~291121% 0.~~163275~~138929% 0.000000% 0.000000% 0.~~163275~~138929% 30 Days 34.~~830369~~512373% 0.000000% 0.000000% 0.000000% 34.~~830369~~512373% 4.~~105300~~401318% 0.000000% 0.000000% 0.000000% 4.~~105300~~401318% 60 Days 01.~~547196~~018923% 0.000000% 0.~~957592~~873362% 0.000000% 1.~~504788~~892285% 01.~~621123~~605034% 0.000000% 0.~~805438~~744248% 0.000000% 12.~~426561~~349283% 90 Days 0.~~136799~~291121% 0.~~000000~~145560% 01.~~683995~~310044% 0.000000% 01.~~820793~~746725% 0.~~081853~~382515% 0.~~000000~~295446% 01.~~836611~~282909% 0.000000% 01.~~918463~~960870% 120 Days 0.~~136799~~291121% 0.000000% 0.~~410397~~727802% 0.~~000000~~145560% 01.~~547196~~164483% 0.~~143616~~345359% 0.000000% 0.~~226320~~546427% 0.~~000000~~120730% 01.~~369936~~012516% 150 Days 0.~~000000~~145560% 0.000000% 0.~~000000~~436681% 0.000000% 0.~~000000~~582242% 0.~~000000~~086828% 0.000000% 0.~~000000~~608604% 0.000000% 0.~~000000~~695432% 180 Days 0.~~000000~~145560% 0.000000% 0.~~000000~~291121% 0.000000% 0.~~000000~~436681% 0.~~000000~~152345% 0.000000% 0.~~000000~~142839% 0.000000% 0.~~000000~~295184% Totals 46.~~651163~~404658% 0.~~273598~~436681% 23.~~051984~~639010% 0.~~000000~~145560% 610.~~976744~~625910% 46.~~951891~~973399% 0.~~163275~~434376% 13.~~868369~~325027% 0.~~000000~~120730% 610.~~983535~~853532%

COLLATERAL STATEMENT Collateral Description Fixed & Mixed ARM Weighted Average Gross Coupon 7.~~950769~~932992% Weighted Average Net Coupon 7.~~650769~~632992% Weighted Average Pass-Through Rate 7.~~639769~~621992% Weighted Average Maturity(Stepdown Calculation ) ~~320~~318 Beginning Scheduled Collateral Loan Count 3,~~711~~596 Number Of Loans Paid In Full 5283 Ending Scheduled Collateral Loan Count 3,~~659~~513 Beginning Scheduled Collateral Balance ~~526~~508,~~085~~602,~~390~~274.7678 Ending Scheduled Collateral Balance ~~518~~498,~~354~~106,~~190~~856.94 Ending Actual Collateral Balance at 31-~~Aug~~Oct-2004 ~~518~~498,~~354~~106,~~190~~856.94 Monthly P &I Constant 43,~~101~~971,~~492~~640.7134 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.09 Scheduled Principal ~~615~~609,~~839~~358.7992 Unscheduled Principal 79,~~115~~886,~~360~~058.0392

Miscellaneous Reporting Delinquency Event NO Overcollateralization Amount 7,700,000.00 Excess Cash Amount 1,~~565~~541,~~598~~786.4510 Extra Interest Paid as Principal 0.00 Cumulative Loss Event NO Required overcollateralization Amount 7,700,000.00

Group Level Collateral Statement Group Fixed Arm Total Collateral Description Mixed Fixed Mixed ARM Fixed & Mixed ARM Weighted Average Coupon Rate 7.~~894139~~876454 8.~~170300~~154721 7.~~950769~~932992 Weighted Average Net Rate 7.~~594139~~576454 7.~~870300~~854721 7.~~650769~~632992 Weighted Average Maturity ~~310~~308 ~~352~~350 ~~320~~318 Beginning Loan Count 2,~~969~~886 ~~742~~710 3,~~711~~596 Loans Paid In Full 4160 1123 5283 Ending Loan Count 2,~~928~~826 ~~731~~687 3,~~659~~513 Beginning Scheduled Balance ~~418~~405,~~205~~264,~~809~~784.5456 ~~107~~103,~~879~~337,~~581~~490.22 ~~526~~508,~~085~~602,~~390~~274.7678 Ending scheduled Balance ~~412~~398,~~157~~104,~~850~~854.3970 ~~106~~100,~~196~~002,~~340~~002.5524 ~~518~~498,~~354~~106,~~190~~856.94 Record Date 0810/31/2004 0810/31/2004 0810/31/2004 Principal And Interest Constant 3,~~291~~195,~~235~~443.9025 ~~810~~776,~~256~~197.8109 43,~~101~~971,~~492~~640.7134 Scheduled Principal ~~540~~535,~~090~~402.1115 7573,~~749~~956.6877 ~~615~~609,~~839~~358.7992 Unscheduled Principal 56,~~507~~624,~~869~~527.0471 13,~~607~~261,~~490~~531.9921 79,~~115~~886,~~360~~058.0392 Scheduled Interest 2,~~751~~660,~~145~~041.7910 ~~734~~702,~~507~~240.1332 3,~~485~~362,~~652~~281.9242 Servicing Fees ~~104~~101,~~551~~316.4620 2625,~~969~~834.8937 ~~131~~127,~~521~~150.3557 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 3,~~833~~714.5593 ~~988~~947.8926 4,~~822~~662.4419 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 2,~~642~~555,~~760~~009.7897 ~~706~~675,~~548~~458.3569 3,~~349~~230,~~309~~468.1366 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.09 0.09 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 7.~~583139~~565454 7.~~859300~~843721 7.~~639769~~621992

Filing Compare · RENAISSANCE MORT ACC CORP RENAISSANCE HOME EQ LN TR 2004 1