8-K 1 cw0211_8k0212.txt 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 25, 2002 CW (Depositor) (Issuer in respect of Mortgage Pass-Through Certificates, Alternative Loan Trust (Exact name of registrant as specified in charter) Delaware 33-63714 95-4449516 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) , , N/A 91110-7137 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (818)-304-4428 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events CW Mortgage Pass-Through Certificates Alternative Loan Trust 2002-7 On December 25, 2002, The Bank of New York, as Trustee for CW, Mortgage Pass-Through Certificates Alternative Loan Trust 2002-7, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of June 1, 2002, among CW as Depositor, Countrywide Home Loans, Seller and Master Servicer and The Bank of New York, as Trustee. Item 7. Financial Statements and Exhibits (c) Exhibits Exhibit No. Description 99 Report to Holders of CW, Mortgage Pass-Through Certificates Alternative Loan Trust 2002-7 relating to the distribution date of December 25, 2002 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of June 1, 2002. SIGNATURES 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 thereunto duly authorized. Dated: December 25, 2002 CW By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated December 25, 2002 Payment Date: 12/25/02 ------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-7 Series 2002-11 ------------------------------------------------------------

Class Information Current Payment Information ---------------------------------------------------------------------------------------------------------------------------------- Beginning Pass Thru Principal Interest Total Principal Interest Type Class Code Name Cert. Bal. Rate Dist. Amt. Dist. Amt. Dist. Losses Shortfalls ---------------------------------------------------------------------------------------------------------------------------------- Senior 1A1 8377,~~097~~421,~~259~~790.0225 2.~~480000~~030000% 53,~~675~~784,~~468~~132.7716 ~~171~~130,~~734~~971.3486 53,~~847~~915,~~203~~104.1102 0.00 0.00 1A2 8377,~~097~~421,~~259~~790.0222 6.~~020000~~470000% 0.00 ~~416~~417,~~871~~432.2549 ~~416~~417,~~871~~432.2549 0.00 0.00 1A3 27,939,103.00 6.500000% 0.00 151,336.81 151,336.81 0.00 0.00 1A4 ~~102~~93,~~003~~788,~~304~~834.3657 6.500000% 85,~~214~~477,~~469~~017.7906 ~~552~~508,~~517~~022.9085 85,~~766~~985,~~987~~039.6991 0.00 0.00 1A5 9,927,000.00 6.500000% 0.00 53,771.25 53,771.25 0.00 0.00 1A6 4340,~~768~~244,~~913~~141.6134 6.250000% 32,~~524~~350,~~772~~150.2720 ~~227~~209,~~963~~604.0990 32,~~752~~559,~~735~~755.3611 0.00 0.00 1A7 4340,~~768~~244,~~913~~141.6134 5.750000% 32,~~524~~350,~~772~~150.2720 ~~209~~192,~~726~~836.0451 32,~~734~~542,~~498~~986.3171 0.00 0.00 1A8 2120,~~884~~122,~~456~~070.8168 21.~~330000~~880000% 1,~~762~~175,~~386~~075.1310 4231,~~492~~524.3258 1,~~804~~206,~~878~~599.4568 0.00 0.00 1A9 2120,~~884~~122,~~456~~070.8166 6.~~170000~~620000% 0.00 ~~112~~111,~~522~~006.5876 ~~112~~111,~~522~~006.5876 0.00 0.00 CB1 3130,~~510~~705,~~001~~740.3505 7.000000% 0.00 ~~183~~179,~~808~~116.3482 ~~183~~179,~~808~~116.3482 0.00 0.00 CB2 30,727,428.00 6.500000% 0.00 166,440.23 166,440.23 0.00 0.00 CB3 ~~118~~115,~~786~~248,~~679~~238.2810 6.500000% 3,~~538~~648,~~441~~666.2009 ~~643~~624,~~427~~261.8529 4,~~181~~272,~~869~~927.0537 0.00 0.00 CB4 ~~119~~115,~~212~~244,~~389~~385.3040 6.500000% 34,~~968~~091,~~003~~609.8894 ~~645~~624,~~733~~240.7842 4,~~613~~715,~~737~~850.6637 0.00 0.00 CB5 13,994,856.00 6.500000% 0.00 75,805.47 75,805.47 0.00 0.00 CB6 11,372,000.00 6.500000% 0.00 61,598.33 61,598.33 0.00 0.00 CB7 30,727,428.00 6.750000% 0.00 172,841.78 172,841.78 0.00 0.00 CB8 9491,~~601~~526,~~143~~533.0305 6.750000% 3,~~074~~170,~~609~~386.9821 ~~532~~514,~~131~~836.4375 3,~~606~~685,~~741~~222.4196 0.00 0.00 CB9 22,519,855.00 6.750000% 0.00 126,674.18 126,674.18 0.00 0.00 CB10 9,884,000.00 6.750000% 0.00 55,597.50 55,597.50 0.00 0.00 CB11 ~~118~~113,~~280~~849,~~925~~090.6050 6.750000% 4,~~431~~569,~~835~~889.0779 ~~665~~640,~~330~~401.2113 5,~~097~~210,~~165~~290.2893 0.00 0.00 CB12 18,080,000.00 6.750000% 0.00 101,700.00 101,700.00 0.00 0.00 PO 9,~~689~~468,~~330~~939.5187 0.000000% ~~220~~245,~~390~~950.6465 0.00 ~~220~~245,~~390~~950.6465 0.00 0.00 Residual AR 0.00 7.000000% 0.00 01.0090 01.0090 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 30,~~671~~648,~~458~~504.5756 7.000000% 2223,~~954~~257.0122 178,~~916~~782.8494 ~~201~~202,~~870~~040.8516 0.00 0.00 B1 11,~~105~~096,~~142~~831.0212 7.000000% 8,~~310~~420.9069 64,~~780~~731.0051 73,~~090~~152.9020 0.00 0.00 B2 9,~~518~~511,~~721~~597.6599 7.000000% 7,~~123~~217.6575 55,~~525~~484.8832 62,~~649~~702.5307 0.00 0.00 B3 5,~~816~~812,~~907~~554.9366 7.000000% 4,~~353~~410.2778 33,~~931~~906.9657 38,~~285~~317.2335 0.00 0.00 B4 2,~~644~~642,~~067~~088.1942 7.000000% 12,~~978~~004.7791 15,~~423~~412.7318 17,~~402~~417.5010 0.00 0.00 B5 3,~~701~~699,~~941~~170.3083 7.000000% 2,~~770~~807.4707 21,~~594~~578.6650 24,~~365~~385.1356 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~993~~955,~~723~~740,~~223~~582.7868 - 3730,~~982~~911,~~641~~145.0784 5,~~740~~519,~~197~~919.7585 4336,~~722~~431,~~838~~065.8269 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 7773,~~421~~637,~~790~~658.2509 0.00 1A2 7773,~~421~~637,~~790~~658.2206 0.00 1A3 27,939,103.00 0.00 1A4 9388,~~788~~311,~~834~~817.5751 0.00 1A5 9,927,000.00 0.00 1A6 4037,~~244~~893,~~141~~991.3414 0.00 1A7 4037,~~244~~893,~~141~~991.3414 0.00 1A8 2018,~~122~~946,~~070~~995.6858 0.00 1A9 2018,~~122~~946,~~070~~995.6656 0.00 CB1 3029,~~705~~876,~~740~~424.0576 0.00 CB2 30,727,428.00 0.00 CB3 ~~115~~111,~~248~~599,~~238~~572.1001 0.00 CB4 ~~115~~111,~~244~~152,~~385~~775.4046 0.00 CB5 13,994,856.00 0.00 CB6 11,372,000.00 0.00 CB7 30,727,428.00 0.00 CB8 9188,~~526~~356,~~533~~146.0584 0.00 CB9 22,519,855.00 0.00 CB10 9,884,000.00 0.00 CB11 ~~113~~109,~~849~~279,~~090~~200.5071 0.00 CB12 18,080,000.00 0.00 PO 9,~~468~~222,~~939~~989.8722 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 30,~~648~~625,~~504~~247.5634 0.00 B1 11,~~096~~088,~~831~~410.1243 0.00 B2 9,~~511~~504,~~597~~380.9924 0.00 B3 5,~~812~~808,~~554~~143.6688 0.00 B4 2,~~642~~640,~~088~~083.4250 0.00 B5 3,~~699~~696,~~170~~363.8376 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~955~~924,~~740~~829,~~582~~436.6884 - --------------------------------------------------------------------------------

Payment Date: 12/25/02 ------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-7 Series 2002-11 ------------------------------------------------------------

Class Information Current Payment Information Factors per $1,000 ------------------------------------------------------------------------------------------------------------------------ Beginning Pass Thru CUSIP Principal Interest Ending Cert./ Type Class Code Name Cert. Bal.(Face) Rate Numbers Dist. Dist. Notional Bal. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Senior 1A1 8377,~~097~~421,~~259~~790.0225 2.~~480000~~030000% 12669CN97 6040.~~941135~~632645 1.~~844021~~406329 ~~831~~790.~~327232~~694587 1A2 8377,~~097~~421,~~259~~790.0222 6.~~020000~~470000% 12669CP20 0.000000 4.~~476213~~482239 ~~831~~790.~~327232~~694587 1A3 27,939,103.00 6.500000% 12669CP38 0.000000 5.416667 1,000.000000 1A4 ~~102~~93,~~003~~788,~~304~~834.3657 6.500000% 12669CP46 7047.~~495445~~003004 4.~~741632~~359782 ~~804~~757.~~882827~~879823 1A5 9,927,000.00 6.500000% 12669CP53 0.000000 5.416667 1,000.000000 1A6 4340,~~768~~244,~~913~~141.6134 6.250000% 12669CP61 7047.~~495445~~003004 4.~~559262~~192098 ~~804~~757.~~882827~~879823 1A7 4340,~~768~~244,~~913~~141.6134 5.750000% 12669CP79 7047.~~495445~~003004 43.~~194521~~856730 ~~804~~757.~~882827~~879823 1A8 2120,~~884~~122,~~456~~070.8168 21.~~330000~~880000% 12669CP87 7047.~~495445~~003004 1.~~699693~~260983 ~~804~~757.~~882827~~879823 1A9 2120,~~884~~122,~~456~~070.8166 6.~~170000~~620000% 12669CP95 0.000000 4.~~500903~~440270 ~~804~~757.~~882826~~879822 CB1 3130,~~510~~705,~~001~~740.3505 7.000000% 12669CQ29 0.000000 5.~~583105~~440602 ~~932~~907.~~674579~~484458 CB2 30,727,428.00 6.500000% 12669CQ37 0.000000 5.416667 1,000.000000 CB3 ~~118~~115,~~786~~248,~~679~~238.2810 6.500000% 12669CQ45 2829.~~307530~~189329 54.~~147423~~994090 ~~921~~892.~~985905~~796576 CB4 ~~119~~115,~~212~~244,~~389~~385.3040 6.500000% 12669CQ52 3132.~~447170~~426771 54.~~117560~~947222 ~~913~~880.~~333218~~906447 CB5 13,994,856.00 6.500000% 12669CR44 0.000000 5.416667 1,000.000000 CB6 11,372,000.00 6.500000% 12669CR51 0.000000 5.416667 1,000.000000 CB7 30,727,428.00 6.750000% 12669CR69 0.000000 5.625000 1,000.000000 CB8 9491,~~601~~526,~~143~~533.0305 6.750000% 12669CR77 3031.~~746100~~703862 5.~~321314~~148367 ~~915~~883.~~265331~~561468 CB9 22,519,855.00 6.750000% 12669CR85 0.000000 5.625000 1,000.000000 CB10 9,884,000.00 6.750000% 12669CR93 0.000000 5.625000 1,000.000000 CB11 ~~118~~113,~~280~~849,~~925~~090.6050 6.750000% 12669CS27 3536.~~155716~~250841 5.~~277760~~080009 ~~903~~866.~~112654~~861813 CB12 18,080,000.00 6.750000% 12669CS35 0.000000 5.625000 1,000.000000 PO 9,~~689~~468,~~330~~939.5187 0.000000% 12669CS43 2224.~~085351~~646720 0.000000 ~~948~~924.~~882667~~235947 Residual AR 0.00 7.000000% 12669CS50 0.000000 019.~~000000~~003870 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 30,~~671~~648,~~458~~504.5756 7.000000% 12669CS68 0.~~746229~~756087 5.~~816542~~812189 ~~996~~995.~~375311~~619224 B1 11,~~105~~096,~~142~~831.0212 7.000000% 12669CS76 0.~~746229~~756087 5.~~816542~~812189 ~~996~~995.~~375312~~619225 B2 9,~~518~~511,~~721~~597.6599 7.000000% 12669CS84 0.~~746229~~756087 5.~~816542~~812189 ~~996~~995.~~375311~~619225 B3 5,~~816~~812,~~907~~554.9366 7.000000% 12669CQ60 0.~~746228~~756087 5.~~816542~~812189 ~~996~~995.~~375312~~619226 B4 2,~~644~~642,~~067~~088.1942 7.000000% 12669CQ78 0.~~746227~~756087 5.~~816542~~812189 ~~996~~995.~~375313~~619227 B5 3,~~701~~699,~~941~~170.3083 7.000000% 12669CQ86 0.~~746229~~756087 5.~~816542~~812189 ~~996~~995.~~375333~~619246 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~993~~955,~~723~~740,~~223~~582.7868 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-7 Series 2002-11 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 321,580,506.57 603,248,930.19 924,829,436.76 Loan count 761 4756 5517 Avg loan rate 7.538318% 7.663059% 7.62 Prepay amount 14,989,589.58 15,194,563.15 30,184,152.73 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 59,858.80 117,120.75 176,979.55 Sub servicer fees 97,225.43 244,818.37 342,043.80 Trustee fees 2,526.20 4,641.85 7,168.05 Agg advances N/A N/A N/A Adv this period 118,904.40 174,905.03 293,809.43 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 100,000.00 100,000.00 200,000.00 Fraud 9,613,291.00 9,613,291.00 19,226,582.00 Special Hazard 9,557,405.83 0.00 9,557,405.83 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 93.369977% 100.000000% 892,329,835.10 ----------------------------------------------------------------------------- Junior 6.630023% 0.000000% 63,362,629.16 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 164 28,181,883.35 60 to 89 days 36 5,697,757.48 90 or more 17 1,730,327.69 Foreclosure 18 3,985,277.24 Totals: 235 39,595,245.76 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 0.00 Current Total Outstanding Number of Loans: 0 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 36,431,065.69 36,431,065.69 Principal remittance amount 30,911,145.84 30,911,145.84 Interest remittance amount 5,519,919.85 5,519,919.85

Filing Compare · CWMBS INC MORTGAGE PASS THR CERT SER 2002-11