8-K 1 hma04005_dec.txt DECEMBER 8-K 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): December 27, 2004 HOMESTAR MORTGAGE ACCEPTANCE CORP. Asset Backed Pass-Through Certificates, Series 2004-5 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-116235-03 54-2160307 Pooling and Servicing Agreement) (Commission 54-2160306 (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 December 27, 2004 a distribution was made to holders of HOMESTAR MORTGAGE ACCEPTANCE CORP., Asset Backed Pass-Through Certificates, Series 2004-5 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-5 Trust, relating to the December 27, 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. HOMESTAR MORTGAGE ACCEPTANCE CORP. Asset Backed Pass-Through Certificates, Series 2004-5 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 1/3/2005 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-5 Trust, relating to the December 27, 2004 distribution. EX-99.1

Homestar Mortgage Acceptance Corp ~~Mortgage~~Asset Backed Pass-Through Certificates Record Date: 1011/3130/042004 Distribution Date: 1112/2627/042004 ~~HMAC~~Homestar Mortgage Acceptance Corp Asset Backed Pass-Through Certificates Series: 2004-5 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 A-1 437690BU3 SEN 2.~~29000~~63000% ~~281~~279,~~300~~174,~~000~~554.0092 1632,~~002,053~~252.1182 23,~~125~~176,~~445~~163.0844 A-2 437690BV1 SEN 2.~~04000~~38000% 2625,~~120~~423,~~000~~197.0005 8252,~~887~~103.4743 ~~696~~1,~~802~~041,268.9599 A-3 437690BW9 SEN 2.~~22000~~56000% 39,310,000.00 ~~135~~86,~~750~~656.5371 0.00 A-4 437690BX7 SEN 2.~~41000~~75000% 26,791,000.00 ~~100~~63,~~436~~442.4858 0.00 M-1 437690BY5 MEZ 2.~~47000~~81000% 7,657,000.00 2918,~~419~~527.9081 0.00 M-2 437690BZ2 MEZ 2.~~51000~~85000% 6,829,000.00 2616,~~663~~759.4550 0.00 M-3 437690CA6 MEZ 23.~~99000~~33000% 8,484,000.00 3924,~~460~~327.0387 0.00 M-4 437690CB4 MEZ 3.~~19000~~53000% 3,105,000.00 159,~~407~~438.7034 0.00 M-5 437690CC2 MEZ 3.~~39000~~73000% 3,518,000.00 1811,~~551~~299.5962 0.00 M-6 437690CD0 MEZ 34.~~84000~~18000% 3,104,000.00 1811,~~541~~172.2368 0.00 M-7 437690CE8 MEZ 4.~~09000~~43000% 4,759,000.00 3018,~~277~~154.8226 0.00 C HMA04005C SUB 0.00000% 2,897,~~855~~124.9269 ~~522~~1,~~864~~062,623.2581 ~~731~~0.2300 P HMA04005P PrePay 0.00000% 100.00 1417,~~872~~646.6575 0.00 R-1 HMA0405R1 RES 0.00000% 0.00 0.00 0.00 Totals ~~413~~411,~~874~~051,~~955~~976.9266 2,~~037~~024,~~186~~406.2118 24,~~822~~217,~~979~~432.2643

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1 0.00 ~~279~~275,~~174~~998,~~554~~391.9249 3,~~127~~808,~~498~~416.1926 0.00 A-2 0.00 2524,~~423~~381,~~197~~928.05 ~~779~~1,~~690~~093,372.42 0.00 A-3 0.00 39,310,000.00 ~~135~~86,~~750~~656.5371 0.00 A-4 0.00 26,791,000.00 ~~100~~63,~~436~~442.4858 0.00 M-1 0.00 7,657,000.00 2918,~~419~~527.9081 0.00 M-2 0.00 6,829,000.00 2616,~~663~~759.4550 0.00 M-3 0.00 8,484,000.00 3924,~~460~~327.0387 0.00 M-4 0.00 3,105,000.00 159,~~407~~438.7034 0.00 M-5 0.00 3,518,000.00 1811,~~551~~299.5962 0.00 M-6 0.00 3,104,000.00 1811,~~541~~172.2368 0.00 M-7 0.00 4,759,000.00 3018,~~277~~154.8226 0.00 C 0.00 2,897,124.69 ~~523~~1,~~595~~062,623.4881 0.00 P 0.00 100.00 1417,~~872~~646.6575 0.00 R-1 0.00 0.00 0.00 0.00 Totals 0.00 ~~411~~406,~~051~~834,~~976~~544.6623 46,~~860~~241,~~165~~838.4761 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) A-1 281,300,000.00 ~~281~~279,~~300~~174,~~000~~554.0092 0.00 23,~~125~~176,~~445~~163.0844 0.00 0.00 A-2 26,120,000.00 2625,~~120~~423,~~000~~197.0005 0.00 ~~696~~1,~~802~~041,268.9599 0.00 0.00 A-3 39,310,000.00 39,310,000.00 0.00 0.00 0.00 0.00 A-4 26,791,000.00 26,791,000.00 0.00 0.00 0.00 0.00 M-1 7,657,000.00 7,657,000.00 0.00 0.00 0.00 0.00 M-2 6,829,000.00 6,829,000.00 0.00 0.00 0.00 0.00 M-3 8,484,000.00 8,484,000.00 0.00 0.00 0.00 0.00 M-4 3,105,000.00 3,105,000.00 0.00 0.00 0.00 0.00 M-5 3,518,000.00 3,518,000.00 0.00 0.00 0.00 0.00 M-6 3,104,000.00 3,104,000.00 0.00 0.00 0.00 0.00 M-7 4,759,000.00 4,759,000.00 0.00 0.00 0.00 0.00 C 2,897,855.92 2,897,~~855~~124.9269 0.00 ~~731~~0.2300 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R-1 0.00 0.00 0.00 0.00 0.00 0.00 Totals 413,874,955.92 ~~413~~411,~~874~~051,~~955~~976.9266 0.00 24,~~822~~217,~~979~~432.2643 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 A-1 23,~~125~~176,~~445~~163.0844 ~~279~~275,~~174~~998,~~554~~391.9249 0.~~99244421~~98115319 23,~~125~~176,~~445~~163.0844 A-2 ~~696~~1,~~802~~041,268.9599 2524,~~423~~381,~~197~~928.05 0.~~97332301~~93345819 ~~696~~1,~~802~~041,268.9599 A-3 0.00 39,310,000.00 1.00000000 0.00 A-4 0.00 26,791,000.00 1.00000000 0.00 M-1 0.00 7,657,000.00 1.00000000 0.00 M-2 0.00 6,829,000.00 1.00000000 0.00 M-3 0.00 8,484,000.00 1.00000000 0.00 M-4 0.00 3,105,000.00 1.00000000 0.00 M-5 0.00 3,518,000.00 1.00000000 0.00 M-6 0.00 3,104,000.00 1.00000000 0.00 M-7 0.00 4,759,000.00 1.00000000 0.00 C ~~731~~0.2300 2,897,124.69 0.99974767 ~~731~~0.2300 P 0.00 100.00 1.00000000 0.00 R-1 0.00 0.00 0.00000000 0.00 Totals 24,~~822~~217,~~979~~432.2643 ~~411~~406,~~051~~834,~~976~~544.6623 0.~~99317915~~98298904 24,~~822~~217,~~979~~432.2643

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1 281,300,000.00 ~~1000~~992.~~00000000~~44420519 0.00000000 711.~~55579481~~29101827 0.00000000 A-2 26,120,000.00 ~~1000~~973.~~00000000~~32301110 0.00000000 2639.~~67698890~~86481585 0.00000000 A-3 39,310,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 A-4 26,791,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-1 7,657,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 6,829,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-3 8,484,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-4 3,105,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-5 3,518,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-6 3,104,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-7 4,759,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 C 2,897,855.92 ~~1000~~999.~~00000000~~74766516 0.00000000 0.~~25233484~~00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R-1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are per $1,000 denomination.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A-1 0.00000000 711.~~55579481~~29101827 ~~992~~981.~~44420519~~15318695 0.~~99244421~~98115319 711.~~55579481~~29101827 A-2 0.00000000 2639.~~67698890~~86481585 ~~973~~933.~~32301110~~45819487 0.~~97332301~~93345819 2639.~~67698890~~86481585 A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 A-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 C 0.00000000 0.~~25233484~~00000000 999.74766516 0.99974767 0.~~25233484~~00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R-1 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 A-1 281,300,000.00 2.~~29000~~63000% ~~281~~279,~~300~~174,~~000~~554.0092 1632,~~002,053~~252.1182 0.00 0.00 A-2 26,120,000.00 2.~~04000~~38000% 2625,~~120~~423,~~000~~197.0005 8252,~~887~~103.4743 0.00 0.00 A-3 39,310,000.00 2.~~22000~~56000% 39,310,000.00 ~~135~~86,~~750~~656.5371 0.00 0.00 A-4 26,791,000.00 2.~~41000~~75000% 26,791,000.00 ~~100~~63,~~436~~442.4858 0.00 0.00 M-1 7,657,000.00 2.~~47000~~81000% 7,657,000.00 2918,~~419~~527.9081 0.00 0.00 M-2 6,829,000.00 2.~~51000~~85000% 6,829,000.00 2616,~~663~~759.4550 0.00 0.00 M-3 8,484,000.00 23.~~99000~~33000% 8,484,000.00 3924,~~460~~327.0387 0.00 0.00 M-4 3,105,000.00 3.~~19000~~53000% 3,105,000.00 159,~~407~~438.7034 0.00 0.00 M-5 3,518,000.00 3.~~39000~~73000% 3,518,000.00 1811,~~551~~299.5962 0.00 0.00 M-6 3,104,000.00 34.~~84000~~18000% 3,104,000.00 1811,~~541~~172.2368 0.00 0.00 M-7 4,759,000.00 4.~~09000~~43000% 4,759,000.00 3018,~~277~~154.8226 0.00 0.00 C 2,897,855.92 0.00000% 2,897,~~855~~124.9269 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R-1 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 413,874,955.92 1944,~~499,449~~135.3162 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 A-1 0.00 0.00 1632,~~002,053~~252.1182 0.00 ~~279~~275,~~174~~998,~~554~~391.9249 A-2 0.00 0.00 8252,~~887~~103.4743 0.00 2524,~~423~~381,~~197~~928.05 A-3 0.00 0.00 ~~135~~86,~~750~~656.5371 0.00 39,310,000.00 A-4 0.00 0.00 ~~100~~63,~~436~~442.4858 0.00 26,791,000.00 M-1 0.00 0.00 2918,~~419~~527.9081 0.00 7,657,000.00 M-2 0.00 0.00 2616,~~663~~759.4550 0.00 6,829,000.00 M-3 0.00 0.00 3924,~~460~~327.0387 0.00 8,484,000.00 M-4 0.00 0.00 159,~~407~~438.7034 0.00 3,105,000.00 M-5 0.00 0.00 1811,~~551~~299.5962 0.00 3,518,000.00 M-6 0.00 0.00 1811,~~541~~172.2368 0.00 3,104,000.00 M-7 0.00 0.00 3018,~~277~~154.8226 0.00 4,759,000.00 C 0.00 0.00 ~~522~~1,~~864~~062,623.2581 0.00 2,897,124.69 P 0.00 0.00 1417,~~872~~646.6575 0.00 100.00 R-1 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 2,~~037~~024,~~186~~406.2118 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 A-1 281,300,000.00 2.~~29000~~63000% ~~1000~~992.~~00000000~~44420519 32.~~56222222~~24761045 0.00000000 0.00000000 A-2 26,120,000.00 2.~~04000~~38000% ~~1000~~973.~~00000000~~32301110 31.~~17333346~~99477144 0.00000000 0.00000000 A-3 39,310,000.00 2.~~22000~~56000% 1000.00000000 32.~~45333325~~20444442 0.00000000 0.00000000 A-4 26,791,000.00 2.~~41000~~75000% 1000.00000000 32.~~74888881~~36805569 0.00000000 0.00000000 M-1 7,657,000.00 2.~~47000~~81000% 1000.00000000 32.~~84222280~~41972182 0.00000000 0.00000000 M-2 6,829,000.00 2.~~51000~~85000% 1000.00000000 32.~~90444428~~45416606 0.00000000 0.00000000 M-3 8,484,000.00 23.~~99000~~33000% 1000.00000000 42.~~65111150~~86750000 0.00000000 0.00000000 M-4 3,105,000.00 3.~~19000~~53000% 1000.00000000 43.~~96222222~~03972303 0.00000000 0.00000000 M-5 3,518,000.00 3.~~39000~~73000% 1000.00000000 53.~~27333428~~21194429 0.00000000 0.00000000 M-6 3,104,000.00 34.~~84000~~18000% 1000.00000000 53.~~97333441~~59944588 0.00000000 0.00000000 M-7 4,759,000.00 4.~~09000~~43000% 1000.00000000 63.~~36222316~~81472158 0.00000000 0.00000000 C 2,897,855.92 0.00000% ~~1000~~999.~~00000000~~74766516 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R-1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All classes are per $1,000 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 A-1 0.00000000 0.00000000 32.~~56222222~~24761045 0.00000000 ~~992~~981.~~44420519~~15318695 A-2 0.00000000 0.00000000 31.~~17333346~~99477144 0.00000000 ~~973~~933.~~32301110~~45819487 A-3 0.00000000 0.00000000 32.~~45333325~~20444442 0.00000000 1000.00000000 A-4 0.00000000 0.00000000 32.~~74888881~~36805569 0.00000000 1000.00000000 M-1 0.00000000 0.00000000 32.~~84222280~~41972182 0.00000000 1000.00000000 M-2 0.00000000 0.00000000 32.~~90444428~~45416606 0.00000000 1000.00000000 M-3 0.00000000 0.00000000 42.~~65111150~~86750000 0.00000000 1000.00000000 M-4 0.00000000 0.00000000 43.~~96222222~~03972303 0.00000000 1000.00000000 M-5 0.00000000 0.00000000 53.~~27333428~~21194429 0.00000000 1000.00000000 M-6 0.00000000 0.00000000 53.~~97333441~~59944588 0.00000000 1000.00000000 M-7 0.00000000 0.00000000 63.~~36222316~~81472158 0.00000000 1000.00000000 C 0.00000000 0.00000000 ~~180~~366.~~43141703~~69311358 0.00000000 999.74766516 P 0.00000000 0.00000000 ~~148726~~176467.50000000 0.00000000 1000.00000000 R-1 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 46,~~969~~323,~~087~~122.9949 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) ~~939~~25,731.8137 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 1417,~~872~~646.6575 Total Deposits 46,~~984~~366,~~900~~500.4561 Withdrawals Reimbursement for Servicer Advances 0939.0081 Payment of Service Fee ~~124~~123,~~734~~722.9919 Payment of Interest and Principal 46,~~860~~241,~~165~~838.4661 Total Withdrawals (Pool Distribution Amount) 46,~~984~~366,~~900~~500.4561 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 9897,~~358~~734.8031 LPMI Fee 2221,~~064~~706.9909 Master Servicing Fee 4,~~311~~281.2079 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~124~~123,~~734~~722.9919

OTHER ACCOUNTS Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance Reserve Fund 0.00 1417,~~872~~646.6575 1417,~~872~~646.6575 0.00

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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 127 0 0 0 127 ~~161~~3,~~356~~559,897.5272 0.00 0.00 0.00 ~~161~~3,~~356~~559,897.5272 60 Days 01 0 0 0 01 0123,847.0077 0.00 0.00 0.00 0123,847.0077 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 128 0 0 0 128 ~~161~~3,~~356~~683,745.5249 0.00 0.00 0.00 ~~161~~3,~~356~~683,745.5249 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 01.~~051520~~402597% 0.000000% 0.000000% 0.000000% 01.~~051520~~402597% 0.~~039238~~874685% 0.000000% 0.000000% 0.000000% 0.~~039238~~874685% 60 Days 0.~~000000~~051948% 0.000000% 0.000000% 0.000000% 0.~~000000~~051948% 0.~~000000~~030430% 0.000000% 0.000000% 0.000000% 0.~~000000~~030430% 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 01.~~051520~~454545% 0.000000% 0.000000% 0.000000% 01.~~051520~~454545% 0.~~039238~~905115% 0.000000% 0.000000% 0.000000% 0.~~039238~~905115% (7) ~~Deliquencies~~Delinquencies are stratified according to the information the Servicer has provided. All ~~90+~~delinquencies ~~deliqencies~~ are reported in the 90 ~~day~~Day.

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 25,731.37

Class M-1 32,696,955.92 7.90020161% 32,696,224.69 8.03673758% 1.882092% 0.000000% Class M-2 25,867,955.92 6.25018633% 25,867,224.69 6.35816822% 1.678569% 0.000000% Class M-3 17,383,955.92 4.20029182% 17,383,224.69 4.27279958% 2.085369% 0.000000% Class M-4 14,278,955.92 3.45006522% 14,278,224.69 3.50959005% 0.763210% 0.000000% Class C 100.00 0.00002416% 100.00 0.00002458% 0.712114% 0.000000% Class P 0.00 0.00000000% 0.00 0.00000000% 0.000025% 0.000000% Class R-I 0.00 0.00000000% 0.00 0.00000000% 0.000000% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

~~OTHER~~COLLATERAL ~~INFORMATION~~STATEMENT ~~Current~~Collateral ~~Period~~Description ~~Class~~Mixed AFixed ~~Insufficient~~& ~~Funds~~Arm Weighted Average Gross Coupon 6.219596% Weighted Average Net Coupon 5.934277% Weighted Average Pass-Through Rate 5.858409% Weighted Average Maturity(Stepdown Calculation ) 347 Beginning Scheduled Collateral Loan Count 1,941 Number Of Loans Paid In Full 16 Ending Scheduled Collateral Loan Count 1,925 Beginning Scheduled Collateral Balance 411,051,976.66 Ending Scheduled Collateral Balance 406,834,544.23 Ending Actual Collateral Balance at 30-Nov-2004 406,991,929.40 Monthly P &I Constant 2,314,218.46 Special Servicing Fee 0.00 ~~Principal~~Prepayment ~~Balance~~Penalties of17,646.75 ~~Contaminated~~Realized ~~Properties~~Loss Amount 0.00 ~~Periodic~~Cumulative ~~Advance~~Realized ~~939~~Loss 0.8100 Scheduled Principal 183,737.40 Unscheduled Principal 4,033,695.03

Class M-1 32,696,955.92 7.90020161% 32,696,224.69 7.95427988% 1.862781% 0.000000% Class M-2 25,867,955.92 6.25018633% 25,867,224.69 6.29293281% 1.661347% 0.000000% Class M-3 17,383,955.92 4.20029182% 17,383,224.69 4.22896025% 2.063973% 0.000000% Class M-4 14,278,955.92 3.45006522% 14,278,224.69 3.47358132% 0.755379% 0.000000% Class C 100.00 0.00002416% 100.00 0.00002433% 0.704807% 0.000000% Class P 0.00 0.00000000% 0.00 0.00000000% 0.000024% 0.000000% Class R-I 0.00 0.00000000% 0.00 0.00000000% 0.000000% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 6.225208% Weighted Average Net Coupon 5.940024% Weighted Average Pass-Through Rate 5.863548% Weighted Average Maturity(Stepdown Calculation ) 348 Beginning Scheduled Collateral Loan Count 1,953 Number Of Loans Paid In Full 12 Ending Scheduled Collateral Loan Count 1,941 Beginning Scheduled Collateral Balance 413,874,955.92 Ending Scheduled Collateral Balance 411,051,976.66 Ending Actual Collateral Balance at 31-Oct-2004 411,224,902.92 Monthly P &I Constant 2,330,041.47 Special Servicing Fee 0.00 Prepayment Penalties 14,872.65 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 182,993.45 Unscheduled Principal 2,639,985.81

Miscellaneous Reporting General Excess Available Amt ~~522~~1,~~862~~062,623.9481 Extra Principal Distribution Amt 0.00 Overcollateralization Amt 2,897,124.69 Overcollateralization Deficit Amt 0.00 Overcollateralization Release Amt ~~731~~0.2300 Stepdown Date NoNO Trigger Event NoNO

Group Level Collateral Statement Group Group 1 Group 2 Total Collateral Description Mixed ARM Mixed Fixed Mixed Fixed & Arm Weighted Average Coupon Rate 5.~~819248~~814962 7.~~110654~~102862 6.~~225208~~219596 Weighted Average Net Rate 5.~~547203~~542796 6.~~796811~~788829 5.~~940024~~934277 Weighted Average Maturity ~~357~~356 ~~328~~327 ~~348~~347 Beginning Loan Count 1,~~141~~132 ~~812~~809 1,~~953~~941 Loans Paid In Full 910 36 1216 Ending Loan Count 1,~~132~~122 ~~809~~803 1,~~941~~925 Beginning Scheduled Balance ~~283~~281,~~771~~907,~~202~~184.8742 ~~130~~129,~~103~~144,~~753~~792.0524 ~~413~~411,~~874~~051,~~955~~976.9266 Ending scheduled Balance ~~281~~278,~~907~~954,~~184~~241.4254 ~~129~~127,~~144~~880,~~792~~302.2469 ~~411~~406,~~051~~834,~~976~~544.6623 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant 1,~~458~~449,~~972~~460.7316 ~~871~~864,~~068~~758.7430 2,~~330~~314,~~041~~218.4746 Scheduled Principal 8283,~~860~~393.3381 100,~~133~~343.1259 ~~182~~183,~~993~~737.4540 Unscheduled Principal 12,~~781~~869,~~158~~549.1207 ~~858~~1,~~827~~164,145.6996 24,~~639~~033,~~985~~695.8103 Scheduled Interest 1,~~376~~366,~~112~~066.4035 ~~770~~764,~~935~~414.6271 2,~~147~~130,~~048~~481.0206 Servicing Fees 6463,~~332~~937.0589 3433,~~026~~796.7542 9897,~~358~~734.8031 Master Servicing Fees 2,~~955~~936.9553 1,~~355~~345.2526 4,~~311~~281.2079 Trustee Fee 0.00 0.00 0.00 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 1817,~~228~~873.5758 3,~~836~~832.4251 2221,~~064~~706.9909 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 1,~~290~~281,~~595~~318.8335 ~~731~~725,~~717~~440.2052 2,~~022~~006,~~313~~758.0387 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.~~457619~~454214 6.~~748926~~740718 5.~~863548~~858409

Filing Compare · HOMESTAR MORTGAGE ACCEPTANCE CORP ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-5