8-K 1 cwt428cb_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 Countrywide Alternative Loan Trust 2004-28CB, Series (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/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President 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 Servicing LP Countrywide Alternative Loan Trust 2004-28CB, Series 2004-28CB ------------------------------------------------------------

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 ~~263~~261,~~300~~790,~~000~~047.0005 5.500000% 1,~~509~~295,~~952~~533.9574 1,~~206~~199,~~791~~871.6705 2,~~716~~495,~~744~~404.6179 0.00 0.00 1A2 20,000,000.00 5.500000% 0.00 91,666.67 91,666.67 0.00 0.00 1A3 17,355,000.00 5.500000% 0.00 79,543.75 79,543.75 0.00 0.00 2A1 41,~~637~~486,~~827~~243.0067 5.000000% ~~151~~533,~~583~~254.3306 ~~173~~172,~~490~~859.9535 ~~325~~706,~~074~~113.2741 0.00 0.00 2A2 10,000,000.00 5.000000% 0.00 41,666.67 41,666.67 0.00 0.00 2A3 ~~444~~446,~~444~~573.0063 5.750000% 0.00 0.00 0.00 0.00 0.00 2A4 31,000,000.00 5.750000% 0.00 148,541.67 148,541.67 0.00 0.00 2A5 22,~~130~~065,~~496~~531.0072 2.~~550000~~817500% 64228,~~964~~537.2844 4751,~~027~~808.3003 ~~111~~280,~~991~~345.5847 0.00 0.00 2A6 22,~~130~~065,~~496~~531.0072 4.~~950000~~682500% 0.00 9186,~~288~~101.3054 9186,~~288~~101.3054 0.00 0.00 2A7 9594,~~000~~713,~~000~~656.0069 5.750000% ~~286~~1,~~343~~014,472.3163 ~~455~~453,~~208~~836.3327 ~~741~~1,~~551~~468,308.6491 0.00 0.00 2A8 2,170,000.00 5.750000% 0.00 10,397.92 10,397.92 0.00 0.00 2A9 1,937,030.00 5.750000% 0.00 9,281.60 9,281.60 0.00 0.00 3A1 ~~331~~328,~~341~~996,~~240~~692.0076 6.000000% 25,~~344~~776,~~547~~927.2411 1,~~656~~644,~~706~~983.2046 47,~~001~~421,~~253~~910.4458 0.00 0.00 4A1 9493,~~366~~517,~~864~~207.0067 5.000000% ~~849~~1,~~656~~318,963.3319 ~~393~~389,~~195~~655.2703 1,~~242~~708,~~851~~618.5922 0.00 0.00 5A1 4645,~~659~~900,~~443~~359.0091 5.750000% ~~759~~403,~~083~~979.0994 ~~223~~219,~~576~~939.5022 ~~982~~623,~~659~~919.5917 0.00 0.00 6A1 6968,~~414~~981,~~032~~149.0088 6.000000% ~~432~~960,~~882~~939.1214 ~~347~~344,~~070~~905.1675 ~~779~~1,~~952~~305,844.2889 0.00 0.00 7A1 3635,~~199~~923,~~657~~601.0050 5.000000% ~~276~~140,~~055~~366.5042 ~~150~~149,~~831~~681.9067 ~~426~~290,~~887~~048.4010 0.00 0.00 PO ~~979~~975,~~157~~558.0689 0.000000% 31,~~598~~985.1713 0.00 31,~~598~~985.1713 0.00 0.00 Residual AR ~~100~~0.00 5.750000% ~~100~~0.00 0.4800 ~~100~~0.4800 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 26,~~884~~851,~~000~~196.0042 5.~~682471~~682697% 3241,~~803~~107.5857 127,~~306~~156.3002 ~~160~~168,~~109~~263.8858 0.00 0.00 B1 1211,~~012~~997,~~000~~343.0008 5.~~682471~~682697% 1418,~~656~~367.9221 56,~~881~~814.5439 7175,~~538~~181.4660 0.00 0.00 B2 6,~~864~~855,~~000~~624.0062 5.~~682471~~682697% 810,~~375~~495.3855 32,~~503~~465.7437 4042,~~879~~960.1291 0.00 0.00 B3 6,~~292~~284,~~000~~322.0057 5.~~682471~~682697% 79,~~677~~620.4392 29,~~795~~759.0992 3739,~~472~~380.5284 0.00 0.00 B4 4,~~576~~570,~~000~~416.0041 5.~~682471~~682697% 56,~~583~~997.5903 21,~~669~~643.1658 2728,~~252~~640.7461 0.00 0.00 B5 3,~~432~~428,~~553~~364.3295 5.~~682471~~682697% 45,~~188~~248.3746 16,~~254~~235.4930 2021,~~442~~483.8576 0.0016 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - 1,~~143~~137,~~995~~245,~~843~~921.3844 - 611,~~752~~766,~~051~~795.5755 5,~~410~~378,~~695~~814.6322 1217,~~162~~145,~~747~~609.2077 -0.16 - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~261~~260,~~790~~494,~~047~~513.0531 0.00 1A2 20,000,000.00 0.00 1A3 17,355,000.00 0.00 2A1 4140,~~486~~952,~~243~~989.6761 0.00 2A2 10,000,000.00 0.00 2A3 ~~446~~448,~~573~~713.6346 0.00 2A4 31,000,000.00 0.00 2A5 2221,~~065~~836,~~531~~994.7228 0.00 2A6 2221,~~065~~836,~~531~~994.7228 0.00 2A7 9493,~~713~~699,~~656~~184.6906 0.00 2A8 2,170,000.00 0.00 2A9 1,937,030.00 0.00 3A1 ~~328~~323,~~996~~219,~~692~~765.7665 0.00 4A1 9392,~~517~~198,~~207~~244.6749 0.00 5A1 45,~~900~~496,~~359~~379.9196 0.00 6A1 68,~~981~~020,~~149~~210.8874 0.00 7A1 35,~~923~~783,~~601~~235.5008 0.00 PO ~~975~~973,~~558~~573.8976 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 26,~~851~~810,~~196~~088.4286 0.00 B1 11,~~997~~978,~~343~~975.0887 0.00 B2 6,~~855~~845,~~624~~129.6207 0.00 B3 6,~~284~~274,~~322~~701.5765 0.00 B4 4,~~570~~563,~~416~~419.4138 0.00 B5 3,~~428~~423,~~364~~116.9533 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - 1,~~137~~125,~~245~~481,~~921~~265.4456 - --------------------------------------------------------------------------------

Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans Servicing LP Countrywide Alternative Loan Trust 2004-28CB, Series 2004-28CB ------------------------------------------------------------

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 ~~263~~261,~~300~~790,~~000~~047.0005 5.500000% 12667FYE9 54.~~734724~~920371 4.~~583333~~557049 ~~994~~989.~~265276~~344904 1A2 20,000,000.00 5.500000% 12667FYF6 0.000000 4.583333 1,000.000000 1A3 17,355,000.00 5.500000% 12667FYG4 0.000000 4.583333 1,000.000000 2A1 41,~~637~~486,~~827~~243.0067 5.000000% 12667FYH2 312.~~640520~~806962 4.~~166667~~151498 ~~996~~983.~~359480~~552518 2A2 10,000,000.00 5.000000% 12667FYJ8 0.000000 4.166667 1,000.000000 2A3 ~~444~~446,~~444~~573.0063 5.750000% 12667FYK5 0.000000 0.000000 1,~~004~~009.~~791667~~606293 2A4 31,000,000.00 5.750000% 12667FYL3 0.000000 4.791667 1,000.000000 2A5 22,~~130~~065,~~496~~531.0072 2.~~550000~~817500% 12667FYM1 210.~~935509~~326811 2.~~125000~~341024 ~~997~~986.~~064491~~737680 2A6 22,~~130~~065,~~496~~531.0072 4.~~950000~~682500% 12667FYN9 0.000000 43.~~125000~~890629 ~~997~~986.~~064491~~737680 2A7 9594,~~000~~713,~~000~~656.0069 5.750000% 12667FYP4 310.~~014140~~678659 4.~~791667~~777224 ~~996~~986.~~985860~~307201 2A8 2,170,000.00 5.750000% 12667FYQ2 0.000000 4.791667 1,000.000000 2A9 1,937,030.00 5.750000% 12667FYR0 0.000000 4.791667 1,000.000000 3A1 ~~331~~328,~~341~~996,~~240~~692.0076 6.000000% 12667FYS8 717.~~075929~~434978 54.~~000000~~964620 ~~992~~975.~~924071~~489093 4A1 9493,~~366~~517,~~864~~207.0067 5.000000% 12667FYT6 913.~~003757~~976974 4.~~166667~~129151 ~~990~~977.~~996243~~019269 5A1 4645,~~659~~900,~~443~~359.0091 5.750000% 12667FYU3 168.~~268585~~658053 4.~~791667~~713713 ~~983~~975.~~731415~~073362 6A1 6968,~~414~~981,~~032~~149.0088 6.000000% 12667FYV1 613.~~236234~~843586 54.~~000000~~968819 ~~993~~979.~~763766~~920180 7A1 3635,~~199~~923,~~657~~601.0050 5.000000% 12667FYW9 73.~~625915~~877562 4.~~166667~~134892 ~~992~~988.~~374085~~496523 PO ~~979~~975,~~157~~558.0689 0.000000% 12667FYX7 32.~~674766~~027382 0.000000 ~~996~~994.~~325234~~297851 Residual AR ~~100~~0.00 5.750000% 12667FYY5 ~~1,000~~0.000000 40.~~800000~~000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 26,~~884~~851,~~000~~196.0042 5.~~682471~~682697% 12667FYZ2 1.~~220190~~529072 4.~~735393~~729803 ~~998~~997.~~779810~~250739 B1 1211,~~012~~997,~~000~~343.0008 5.~~682471~~682697% 12667FZA6 1.~~220190~~529072 4.~~735393~~729803 ~~998~~997.~~779810~~250739 B2 6,~~864~~855,~~000~~624.0062 5.~~682471~~682697% 12667FZB4 1.~~220190~~529072 4.~~735393~~729803 ~~998~~997.~~779810~~250739 B3 6,~~292~~284,~~000~~322.0057 5.~~682471~~682697% 12667FZC2 1.~~220190~~529072 4.~~735393~~729803 ~~998~~997.~~779810~~250739 B4 4,~~576~~570,~~000~~416.0041 5.~~682471~~682697% 12667FZD0 1.~~220190~~529072 4.~~735393~~729803 ~~998~~997.~~779810~~250739 B5 3,~~432~~428,~~553~~364.3295 5.~~682471~~682697% 12667FZE8 1.~~220190~~529025 4.~~735393~~729803 ~~998~~997.~~779810~~250739 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - 1,~~143~~137,~~995~~245,~~843~~921.3844 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Servicing LP Countrywide Alternative Loan Trust 2004-28CB, Series 2004-28CB ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 315,158,057.92 213,428,564.37 341,558,463.24 Loan count 2040 1361 2083 Avg loan rate 5.962077% 6.176546% 6.552915% Prepay amount 988,996.41 1,576,321.84 5,206,523.08 Prin balance 97,492,916.70 48,104,206.96 71,870,342.52 Loan count 616 345 548 Avg loan rate 5.657082% 6.165603% 6.554079% Prepay amount 984,179.96 359,167.67 898,185.06 Total ----- Prin balance 37,868,713.85 1,125,481,265.56 Loan count 271 7264 Avg loan rate 5.594681% 6.19 Prepay amount 10,509.24 10,023,883.26 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 65,514.64 44,520.82 68,209.97 Sub servicer fees 0.00 0.00 0.00 Trustee fees 2,373.54 1,614.10 2,605.26 Agg advances N/A N/A N/A Adv this period 22,049.15 7,126.90 48,599.22 Master serv fees 20,115.96 9,897.21 14,490.06 Sub servicer fees 0.00 0.00 0.00 Trustee fees 741.23 363.83 546.26 Agg advances N/A N/A N/A Adv this period 23,569.77 7,803.48 4,762.15 Total ----- Master serv fees 7,920.14 230,668.81 Sub servicer fees 0.00 0.00 Trustee fees 285.12 8,529.34 Agg advances N/A N/A Adv this period 9,737.33 123,648.00 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 480,468.00 480,468.00 480,468.00 Fraud 3,164,714.87 2,152,137.65 3,473,675.33 Special Hazard 3,497,272.55 0.00 0.00 Bankruptcy 480,468.00 480,468.00 480,468.00 Fraud 988,309.41 485,107.44 728,347.89 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 480,468.00 3,363,276.00 Fraud 380,166.63 11,372,459.21 Special Hazard 0.00 3,497,272.55 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.732866% 100.000000% 1,077,258,653.38 ----------------------------------------------------------------------------- Junior 5.267134% 0.000000% 59,895,431.16 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 106 17,582,366.76 60 to 89 days 6 819,742.52 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 112 18,402,109.28 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 17,145,609.77 17,145,609.77 Principal remittance amount 11,766,795.55 11,766,795.55 Interest remittance amount 5,378,814.22 5,378,814.22

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