8-K 1 hma04004_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 2004-4 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-116235-02 Pooling and Servicing Agreement) (Commission 54-6636545 (State or other File Number) 54-6636546 jurisdiction 54-6636547 of Incorporation) 54-6636548 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 December 27, 2004 a distribution was made to holders of HOMESTAR MORTGAGE ACCEPTANCE CORP., Asset Backed Pass-Through Certificates, Series 2004-4 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 2004-4 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 2004-4 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 2004-4 Trust, relating to the December 27, 2004 distribution. EX-99.1

Homestar Mortgage Acceptance Corp ~~Mortgage~~Asset Backed Pass-Through Certificates Record Date: 1011/3130/2004 Distribution Date: 1112/2627/2004 ~~HMAC~~Homestar Mortgage Acceptance Corp Asset Backed Pass-Through Certificates Series: 2004-4 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 437690BE9 SEN 2.~~12250~~37000% ~~127~~122,~~105~~854,~~224~~835.4788 ~~239~~250,~~805~~726.1924 45,~~250~~171,~~388~~685.5976 A-2 437690BF6 SEN 2.~~31250~~56000% 100,000,000.00 ~~205~~220,~~555~~444.5644 0.00 A-3 437690BG4 SEN 2.~~48250~~73000% 134,015,000.00 ~~295~~315,~~726~~046.4393 0.00 M-1 437690BH2 MEZ 2.~~55250~~80000% 14,559,000.00 3335,~~032~~103.7537 0.00 M-2 437690BJ8 MEZ 2.~~68250~~93000% 4,511,000.00 1011,~~756~~381.2350 0.00 M-3 437690BK5 MEZ 3.~~38250~~63000% 6,562,000.00 1920,~~729~~511.7572 0.00 M-4 437690BL3 MEZ 3.~~53250~~78000% 3,486,000.00 1011,~~946~~346.0493 0.00 M-5 437690BM1 MEZ 34.~~83250~~08000% 3,486,000.00 1112,~~875~~247.6448 0.00 M-6 437690BN9 MEZ 4.~~03250~~28000% 2,461,000.00 89,~~821~~070.3215 0.00 M-7 437690BP4 MEZ 56.~~93250~~18000% 2,461,000.00 1213,~~977~~096.6762 0.00 C HMA04004C OC 0.00000% 2,460,651.95 1960,~~013,449~~693.5764 0.00 P HMA04004P PrePay 0.00000% 100.00 3270,~~720~~565.0281 0.00 R HMA0404R1 RES 0.00000% 0.00 0.00 0.00 R-X HMA0404RX RES 0.00000% 0.00 0.00 0.00 Totals ~~401~~396,~~106~~856,~~976~~587.4283 1,~~895~~930,~~396~~234.1783 45,~~250~~171,~~388~~685.5976

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1 0.00 ~~122~~117,~~854~~683,~~835~~150.8812 45,~~490~~422,~~193~~412.7800 0.00 A-2 0.00 100,000,000.00 ~~205~~220,~~555~~444.5644 0.00 A-3 0.00 134,015,000.00 ~~295~~315,~~726~~046.4393 0.00 M-1 0.00 14,559,000.00 3335,~~032~~103.7537 0.00 M-2 0.00 4,511,000.00 1011,~~756~~381.2350 0.00 M-3 0.00 6,562,000.00 1920,~~729~~511.7572 0.00 M-4 0.00 3,486,000.00 1011,~~946~~346.0493 0.00 M-5 0.00 3,486,000.00 1112,~~875~~247.6448 0.00 M-6 0.00 2,461,000.00 89,~~821~~070.3215 0.00 M-7 0.00 2,461,000.00 1213,~~977~~096.6762 0.00 C 0.00 2,460,651.95 1960,~~013,449~~693.5764 0.00 P 0.00 100.00 3270,~~720~~565.0281 0.00 R 0.00 0.00 0.00 0.00 R-X 0.00 0.00 0.00 0.00 Totals 0.00 ~~396~~391,~~856~~684,~~587~~902.8307 67,~~145~~101,~~784~~920.7659 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-1 136,121,000.00 ~~127~~122,~~105~~854,~~224~~835.4788 0.00 45,~~250~~171,~~388~~685.5976 0.00 0.00 A-2 100,000,000.00 100,000,000.00 0.00 0.00 0.00 0.00 A-3 134,015,000.00 134,015,000.00 0.00 0.00 0.00 0.00 M-1 14,559,000.00 14,559,000.00 0.00 0.00 0.00 0.00 M-2 4,511,000.00 4,511,000.00 0.00 0.00 0.00 0.00 M-3 6,562,000.00 6,562,000.00 0.00 0.00 0.00 0.00 M-4 3,486,000.00 3,486,000.00 0.00 0.00 0.00 0.00 M-5 3,486,000.00 3,486,000.00 0.00 0.00 0.00 0.00 M-6 2,461,000.00 2,461,000.00 0.00 0.00 0.00 0.00 M-7 2,461,000.00 2,461,000.00 0.00 0.00 0.00 0.00 C 2,463,224.61 2,460,651.95 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R 0.00 0.00 0.00 0.00 0.00 0.00 R-X 0.00 0.00 0.00 0.00 0.00 0.00 Totals 410,125,324.61 ~~401~~396,~~106~~856,~~976~~587.4283 0.00 45,~~250~~171,~~388~~685.5976 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 45,~~250~~171,~~388~~685.5976 ~~122~~117,~~854~~683,~~835~~150.8812 0.~~90254139~~86454809 45,~~250~~171,~~388~~685.5976 A-2 0.00 100,000,000.00 1.00000000 0.00 A-3 0.00 134,015,000.00 1.00000000 0.00 M-1 0.00 14,559,000.00 1.00000000 0.00 M-2 0.00 4,511,000.00 1.00000000 0.00 M-3 0.00 6,562,000.00 1.00000000 0.00 M-4 0.00 3,486,000.00 1.00000000 0.00 M-5 0.00 3,486,000.00 1.00000000 0.00 M-6 0.00 2,461,000.00 1.00000000 0.00 M-7 0.00 2,461,000.00 1.00000000 0.00 C 0.00 2,460,651.95 0.99895557 0.00 P 0.00 100.00 1.00000000 0.00 R 0.00 0.00 0.00000000 0.00 R-X 0.00 0.00 0.00000000 0.00 Totals 45,~~250~~171,~~388~~685.5976 ~~396~~391,~~856~~684,~~587~~902.8307 0.~~96764712~~95503710 45,~~250~~171,~~388~~685.5976

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1 136,121,000.00 ~~933~~902.~~76646124~~54138509 0.00000000 3137.~~22507615~~99329832 0.00000000 A-2 100,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 A-3 134,015,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-1 14,559,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 4,511,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-3 6,562,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-4 3,486,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-5 3,486,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-6 2,461,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-7 2,461,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 C 2,463,224.61 998.95557231 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R-X 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 3137.~~22507615~~99329832 ~~902~~864.~~54138509~~54808678 0.~~90254139~~86454809 3137.~~22507615~~99329832 A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 A-3 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 0.00000000 998.95557231 0.99895557 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-X 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-1 136,121,000.00 2.~~12250~~37000% ~~127~~122,~~105~~854,~~224~~835.4788 ~~239~~250,~~805~~726.1924 0.00 0.00 A-2 100,000,000.00 2.~~31250~~56000% 100,000,000.00 ~~205~~220,~~555~~444.5644 0.00 0.00 A-3 134,015,000.00 2.~~48250~~73000% 134,015,000.00 ~~295~~315,~~726~~046.4393 0.00 0.00 M-1 14,559,000.00 2.~~55250~~80000% 14,559,000.00 3335,~~032~~103.7537 0.00 0.00 M-2 4,511,000.00 2.~~68250~~93000% 4,511,000.00 1011,~~756~~381.2350 0.00 0.00 M-3 6,562,000.00 3.~~38250~~63000% 6,562,000.00 1920,~~729~~511.7572 0.00 0.00 M-4 3,486,000.00 3.~~53250~~78000% 3,486,000.00 1011,~~946~~346.0493 0.00 0.00 M-5 3,486,000.00 34.~~83250~~08000% 3,486,000.00 1112,~~875~~247.6448 0.00 0.00 M-6 2,461,000.00 4.~~03250~~28000% 2,461,000.00 89,~~821~~070.3215 0.00 0.00 M-7 2,461,000.00 56.~~93250~~18000% 2,461,000.00 1213,~~977~~096.6762 0.00 0.00 C 2,463,224.61 0.00000% 2,460,651.95 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R 0.00 0.00000% 0.00 0.00 0.00 0.00 R-X 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 410,125,324.61 ~~849~~898,~~226~~975.5838 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 ~~239~~250,~~805~~726.1924 0.00 ~~122~~117,~~854~~683,~~835~~150.8812 A-2 0.00 0.00 ~~205~~220,~~555~~444.5644 0.00 100,000,000.00 A-3 0.00 0.00 ~~295~~315,~~726~~046.4393 0.00 134,015,000.00 M-1 0.00 0.00 3335,~~032~~103.7537 0.00 14,559,000.00 M-2 0.00 0.00 1011,~~756~~381.2350 0.00 4,511,000.00 M-3 0.00 0.00 1920,~~729~~511.7572 0.00 6,562,000.00 M-4 0.00 0.00 1011,~~946~~346.0493 0.00 3,486,000.00 M-5 0.00 0.00 1112,~~875~~247.6448 0.00 3,486,000.00 M-6 0.00 0.00 89,~~821~~070.3215 0.00 2,461,000.00 M-7 0.00 0.00 1213,~~977~~096.6762 0.00 2,461,000.00 C 0.00 0.00 1960,~~013,449~~693.5764 0.00 2,460,651.95 P 0.00 0.00 3270,~~720~~565.0281 0.00 100.00 R 0.00 0.00 0.00 0.00 0.00 R-X 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 1,~~895~~930,~~396~~234.1783 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-1 136,121,000.00 2.~~12250~~37000% ~~933~~902.~~76646124~~54138509 1.~~76170606~~84193651 0.00000000 0.00000000 A-2 100,000,000.00 2.~~31250~~56000% 1000.00000000 2.~~05555560~~20444440 0.00000000 0.00000000 A-3 134,015,000.00 2.~~48250~~73000% 1000.00000000 2.~~20666664~~35083334 0.00000000 0.00000000 M-1 14,559,000.00 2.~~55250~~80000% 1000.00000000 2.~~26888866~~41111134 0.00000000 0.00000000 M-2 4,511,000.00 2.~~68250~~93000% 1000.00000000 2.~~38444469~~52305476 0.00000000 0.00000000 M-3 6,562,000.00 3.~~38250~~63000% 1000.00000000 3.~~00666717~~12583359 0.00000000 0.00000000 M-4 3,486,000.00 3.~~53250~~78000% 1000.00000000 3.~~14000000~~25500000 0.00000000 0.00000000 M-5 3,486,000.00 34.~~83250~~08000% 1000.00000000 3.~~40666667~~51333333 0.00000000 0.00000000 M-6 2,461,000.00 4.~~03250~~28000% 1000.00000000 3.~~58444535~~68555465 0.00000000 0.00000000 M-7 2,461,000.00 56.~~93250~~18000% 1000.00000000 5.~~27333198~~32166599 0.00000000 0.00000000 C 2,463,224.61 0.00000% 998.95557231 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R-X 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 1.~~76170606~~84193651 0.00000000 ~~902~~864.~~54138509~~54808678 A-2 0.00000000 0.00000000 2.~~05555560~~20444440 0.00000000 1000.00000000 A-3 0.00000000 0.00000000 2.~~20666664~~35083334 0.00000000 1000.00000000 M-1 0.00000000 0.00000000 2.~~26888866~~41111134 0.00000000 1000.00000000 M-2 0.00000000 0.00000000 2.~~38444469~~52305476 0.00000000 1000.00000000 M-3 0.00000000 0.00000000 3.~~00666717~~12583359 0.00000000 1000.00000000 M-4 0.00000000 0.00000000 3.~~14000000~~25500000 0.00000000 1000.00000000 M-5 0.00000000 0.00000000 3.~~40666667~~51333333 0.00000000 1000.00000000 M-6 0.00000000 0.00000000 3.~~58444535~~68555465 0.00000000 1000.00000000 M-7 0.00000000 0.00000000 5.~~27333198~~32166599 0.00000000 1000.00000000 C 0.00000000 0.00000000 ~~411~~390.~~43205775~~01463208 0.00000000 998.95557231 P 0.00000000 0.00000000 ~~327200~~705658.~~20000000~~10000000 0.00000000 1000.00000000 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-X 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 67,~~216~~140,~~686~~377.7904 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 1115,~~973~~563.2268 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 3270,~~720~~565.0281 Total Deposits 67,~~261~~226,~~380~~506.0353 Withdrawals Reimbursement for Servicer Advances 111,~~728~~973.7422 Payment of Service Fee ~~113~~112,~~866~~612.5372 Payment of Interest and Principal 67,~~145~~101,~~784~~920.7659 Total Withdrawals (Pool Distribution Amount) 67,~~261~~226,~~380~~506.0353 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 9392,~~805~~719.7641 LPMI Fee 15,~~882~~759.5739 Master Service Fee 4,~~178~~133.2092 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~113~~112,~~866~~612.5372

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 98 0 0 0 98 21,~~171~~917,~~702~~515.2284 0.00 0.00 0.00 21,~~171~~917,~~702~~515.2284 60 Days 04 0 0 0 04 01,196,818.0047 0.00 0.00 0.00 01,196,818.0047 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 912 0 0 0 912 23,~~171~~114,~~702~~334.2231 0.00 0.00 0.00 23,~~171~~114,~~702~~334.2231 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.~~495868~~446429% 0.000000% 0.000000% 0.000000% 0.~~495868~~446429% 0.~~547061~~489406% 0.000000% 0.000000% 0.000000% 0.~~547061~~489406% 60 Days 0.~~000000~~223214% 0.000000% 0.000000% 0.000000% 0.~~000000~~223214% 0.~~000000~~305463% 0.000000% 0.000000% 0.000000% 0.~~000000~~305463% 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.~~495868~~669643% 0.000000% 0.000000% 0.000000% 0.~~495868~~669643% 0.~~547061~~794869% 0.000000% 0.000000% 0.000000% 0.~~547061~~794869% (7) Delinquencies are stratified according to the information the Servicer has provided. All ~~90+~~delinquencies ~~deliquencies~~ 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 1115,~~973~~563.22 Class M-1 25,430,324.61 6.20062134% 25,427,751.95 6.40728987% 3.668580% 0.000000% Class M-2 20,919,324.61 5.10071392% 20,916,751.95 5.27060721% 1.136683% 0.000000% Class M-3 14,357,324.61 3.50071557% 14,354,751.95 3.61711318% 1.653494% 0.000000% Class M-4 10,871,324.61 2.65073169% 10,868,751.95 2.73871023% 0.878403% 0.000000% Class C 100.00 0.00002438% 100.00 0.00002520% 0.620036% 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 Exposure68

Class M-1 25,430,324.61 6.20062134% 25,427,751.95 6.49188973% 3.717018% 0.000000% Class M-2 20,919,324.61 5.10071392% 20,916,751.95 5.34019867% 1.151691% 0.000000% Class M-3 14,357,324.61 3.50071557% 14,354,751.95 3.66487242% 1.675326% 0.000000% Class M-4 10,871,324.61 2.65073169% 10,868,751.95 2.77487130% 0.890001% 0.000000% Class C 100.00 0.00002438% 100.00 0.00002553% 0.628222% 0.000000% Class P 0.00 0.00000000% 0.00 0.00000000% 0.000026% 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 5.~~960577~~958051% Weighted Average Net Coupon 5.~~679936~~677690% Weighted Average Pass-Through Rate 5.~~619920~~617537% Weighted Average Maturity(Stepdown Calculation ) ~~350~~349 Beginning Scheduled Collateral Loan Count 1,~~833~~815 Number Of Loans Paid In Full 1823 Ending Scheduled Collateral Loan Count 1,~~815~~792 Beginning Scheduled Collateral Balance ~~401~~396,~~106~~856,~~976~~587.4283 Ending Scheduled Collateral Balance ~~396~~391,~~856~~684,~~587~~902.8307 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2004 ~~396~~391,~~976~~804,~~445~~618.8172 Monthly P &I Constant 2,~~137~~114,~~010~~434.2675 Special Servicing Fee 0.00 Prepayment Penalties 3270,~~720~~565.0281 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 144,~~652~~024.8591 Unscheduled Principal 45,~~105~~027,~~735~~660.7485

Other Income ~~(15~~1,~~815~~871.~~11)~~29

Miscellaneous Reporting General Excess Available Amt 1960,~~013,448~~692.8249 Excess Overcollateralization Amt 0.00 Extra Principal Distribution Amt 0.00 Overcollateralization Amt 2,460,751.95 Overcollateralization Deficit Amt 0.00 Overcollateralization Release Amt 0.00 Specified Overcollateralization Amt 2,460,751.95 Overcollateralization Increase Amt 0.00 Stepdown Date 0.00 Trigger Event 0.00

Group Level Collateral Statement Group Group 1 Group 2 Total Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Mixed Fixed & Arm Weighted Average Coupon Rate 6.~~868643~~864661 5.~~658747~~656300 5.~~960577~~958051 Weighted Average Net Rate 6.~~542353~~537955 5.~~393279~~391363 5.~~679936~~677690 Weighted Average Maturity ~~323~~322 ~~355~~354 ~~350~~349 Beginning Loan Count ~~713~~707 1,~~120~~108 1,~~833~~815 Loans Paid In Full 69 1214 1823 Ending Loan Count ~~707~~698 1,~~108~~094 1,~~815~~792 Beginning Scheduled Balance ~~100~~99,~~063~~102,~~270~~874.4384 ~~301~~297,~~043~~753,~~705~~712.99 ~~401~~396,~~106~~856,~~976~~587.4283 Ending scheduled Balance 9997,~~102~~356,~~874~~132.8411 ~~297~~294,~~753~~328,~~712~~769.9996 ~~396~~391,~~856~~684,~~587~~902.8307 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant ~~655~~649,~~267~~428.2788 1,~~481~~465,~~742~~005.9987 2,~~137~~114,~~010~~434.2675 Scheduled Principal 82,~~518~~505.2286 6261,~~134~~519.6305 144,~~652~~024.8591 Unscheduled Principal ~~877~~1,~~877~~664,236.3787 3,~~227~~363,~~858~~423.3798 45,~~105~~027,~~735~~660.7485 Scheduled Interest ~~572~~566,~~749~~923.0502 1,~~419~~403,~~608~~486.3682 1,~~992~~970,~~357~~409.4184 Servicing Fees 2726,~~207~~981.9928 6665,~~597~~738.7713 9392,~~805~~719.7641 Master Servicing Fees 1,~~042~~032.3332 3,~~135~~101.8760 4,~~178~~133.2092 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 0.00 15,~~882~~759.5739 15,~~882~~759.5739 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 ~~545~~539,~~541~~941.1164 1,~~337~~321,~~127~~989.9328 1,~~882~~861,~~669~~930.0492 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 6.~~529853~~525455 5.~~317469~~315350 5.~~619920~~617537

Filing Compare · HOMESTAR MORTGAGE ACCEPTANCE CORP ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-4