8-K 1 cwt04j5_8k0501.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): January 25, 2005 CWT (Depositor) (Issuer in respect of CHL Mortgage Pass-Through Certificates, Series 2004-J5) (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) 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. []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)) Section 8 - Other Events Item 8.01 Other Events Section 9 - Financial Statements and Exhibits Item 9.01 Financial Statements and Exhibits 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: January 25, 2005 CWT By: /s/ Maria Tokarz ------------------------------ Name: Maria Tokarz Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated January 25, 2005 Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J5 Alternative Loan Trust 2004-J5 ------------------------------------------------------------

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 8074,~~578~~093,~~145~~057.0825 2.~~370000~~607500% 6,~~485~~881,~~087~~099.8326 ~~164~~155,~~446~~631.5644 67,~~649~~036,~~534~~730.4070 0.00 0.00 1A2 8,394,000.00 4.328000% 0.00 30,274.36 30,274.36 0.00 0.00 1A3 59,873,000.00 5.158000% 0.00 257,354.11 257,354.11 0.00 0.00 1A4 10,000,000.00 5.~~888875~~913731% 0.00 49,~~073~~281.9609 49,~~073~~281.9609 0.00 0.00 1A5 38,763,000.00 5.~~888875~~913731% 0.00 ~~190~~191,~~225~~028.3731 ~~190~~191,~~225~~028.3731 0.00 0.00 1A6 25,455,000.00 5.687000% 0.00 120,635.49 120,635.49 0.00 0.00 1IO ~~183~~169,~~589~~956,~~029~~036.1356 0.750000% 0.00 ~~114~~106,~~743~~222.1452 ~~114~~106,~~743~~222.1452 0.00 0.00 2A1 ~~273~~267,~~957~~560,~~242~~618.5958 2.~~520000~~757500% 6,~~396~~494,~~624~~090.0111 594,~~487~~337.2260 67,~~991~~088,~~111~~427.2372 0.00 0.00 2A2 3230,~~493~~230,~~822~~936.7953 2.~~370000~~607500% 2,~~262~~297,~~886~~366.2612 6663,~~314~~499.4866 2,~~329~~360,~~200~~865.7378 0.00 0.00 2A3 64,422,000.00 2.~~680000~~917500% 0.00 ~~148~~151,~~671~~405.6612 ~~148~~151,~~671~~405.6612 0.00 0.00 2A4 19,~~616~~158,~~643~~614.5984 2.~~680000~~917500% ~~458~~465,~~028~~007.7579 45,~~270~~026.8574 ~~503~~510,~~299~~034.6052 0.00 0.00 2IO ~~320~~296,~~405~~768,~~298~~892.9622 0.750000% 0.00 ~~200~~185,~~253~~480.3156 ~~200~~185,~~253~~480.3156 0.00 0.00 C ~~658~~643,~~354~~675,~~597~~488.6335 0.000000% 0.00 0.00 0.00 0.00 0.00 P 0.00 0.000000% 0.00 5741,~~705~~661.9561 5741,~~705~~661.9561 0.00 0.00 Residual AR 0.00 0.000000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M1 16,287,000.00 23.~~780000~~017500% 0.00 3839,~~989~~589.2785 3839,~~989~~589.2785 0.00 0.00 M2 15,176,000.00 3.~~280000~~517500% 0.00 4243,~~863~~001.7783 4243,~~863~~001.7783 0.00 0.00 B 11,106,000.00 4.~~330000~~567500% 0.00 4140,~~409~~863.9514 4140,~~409~~863.9514 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~656~~640,~~121~~519,~~854~~227.0520 - 1516,~~602~~137,~~626~~563.8528 2,~~162~~115,~~719~~293.4643 1718,~~765~~252,~~346~~856.3172 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 7467,~~093~~211,~~057~~957.2599 0.00 1A2 8,394,000.00 0.00 1A3 59,873,000.00 0.00 1A4 10,000,000.00 0.00 1A5 38,763,000.00 0.00 1A6 25,455,000.00 0.00 1IO ~~169~~157,~~956~~334,~~036~~579.5684 0.00 2A1 ~~267~~261,~~560~~066,~~618~~528.5847 0.00 2A2 3027,~~230~~933,~~936~~570.5341 0.00 2A3 64,422,000.00 0.00 2A4 1918,~~158~~693,~~614~~607.8405 0.00 2IO ~~296~~274,~~768~~875,~~892~~792.2239 0.00 C ~~643~~628,~~675~~424,~~488~~093.3567 0.00 P 0.00 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M1 16,287,000.00 0.00 M2 15,176,000.00 0.00 B 11,106,000.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~640~~624,~~519~~381,~~227~~663.2092 - --------------------------------------------------------------------------------

Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J5 Alternative Loan Trust 2004-J5 ------------------------------------------------------------

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 8074,~~578~~093,~~145~~057.0825 2.~~370000~~607500% 12667FLB9 5761.~~867436~~401107 1.~~467382~~388723 ~~661~~599.~~143745~~742638 1A2 8,394,000.00 4.328000% 12667FLC7 0.000000 3.606667 1,000.000000 1A3 59,873,000.00 5.158000% 12667FLD5 0.000000 4.298333 1,000.000000 1A4 10,000,000.00 5.~~888875~~913731% 12667FLE3 0.000000 4.~~907396~~928109 1,000.000000 1A5 38,763,000.00 5.~~888875~~913731% 12667FLF0 0.000000 4.~~907396~~928109 1,000.000000 1A6 25,455,000.00 5.687000% 12667FLG8 0.000000 4.739167 1,000.000000 1IO ~~183~~169,~~589~~956,~~029~~036.1356 0.750000% 12667FLH6 0.000000 0.~~424975~~393417 ~~629~~582.~~466802~~720666 2A1 ~~273~~267,~~957~~560,~~242~~618.5958 2.~~520000~~757500% 12667FLJ2 20.~~571693~~885147 1.~~911885~~911404 ~~860~~839.~~481241~~596095 2A2 3230,~~493~~230,~~822~~936.7953 2.~~370000~~607500% 12667FLS2 4950.~~648652~~405154 1.~~454967~~393209 ~~663~~612.~~279138~~873983 2A3 64,422,000.00 2.~~680000~~917500% 12667FNG6 0.000000 2.~~307778~~350208 1,000.000000 2A4 19,~~616~~158,~~643~~614.5984 2.~~680000~~917500% 12667FNH4 20.~~571693~~885147 2.~~033274~~022310 ~~860~~839.~~481241~~596095 2IO ~~320~~296,~~405~~768,~~298~~892.9622 0.750000% 12667FLK9 0.000000 0.~~426071~~394639 ~~631~~584.~~423175~~842111 C ~~658~~643,~~354~~675,~~597~~488.6335 0.000000% 12667FLP8 0.000000 0.000000 ~~869~~848.~~443017~~842235 P 0.00 0.000000% 12667FLQ6 0.000000 ~~577~~416,~~059~~616.~~500000~~100000 0.000000 Residual AR 0.00 0.000000% 12667FLR4 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M1 16,287,000.00 23.~~780000~~017500% 12667FLL7 0.000000 2.~~393889~~430764 1,000.000000 M2 15,176,000.00 3.~~280000~~517500% 12667FLM5 0.000000 2.~~824444~~833542 1,000.000000 B 11,106,000.00 4.~~330000~~567500% 12667FLN3 0.000000 3.~~728611~~679375 1,000.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~656~~640,~~121~~519,~~854~~227.0520 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J5 Alternative Loan Trust 2004-J5 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 226,707,596.08 401,716,497.59 628,424,093.67 Loan count 1066 1743 2809 Avg loan rate 6.738764% 5.363931% 5.86 Prepay amount 6,309,401.65 8,635,448.94 14,944,850.59 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 42,386.97 122,884.34 165,271.31 Sub servicer fees 3,781.67 310.90 4,092.56 Trustee fees 1,749.08 3,078.48 4,827.57 Agg advances N/A N/A N/A Adv this period 84,211.74 76,487.54 160,699.28 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 0.00 Fraud 5,401,664.52 9,404,952.48 14,806,617.01 Special Hazard 0.00 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 93.353986% 100.000000% 597,950,227.20 ----------------------------------------------------------------------------- Junior 6.646014% 0.000000% 42,569,000.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 76 15,917,880.83 60 to 89 days 15 2,651,857.97 90 or more 11 2,581,885.77 Foreclosure 20 4,722,697.86 Totals: 122 25,874,322.43 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 346,400.00 Current Total Outstanding Number of Loans: 1 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 18,252,856.72 18,252,856.72 Principal remittance amount 16,137,563.28 16,137,563.28 Interest remittance amount 2,115,293.43 2,115,293.43

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