8-K 1 cwt420t1_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 Mortgage Pass-Through Certificates, Series 2004-20T1) (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 Mortgage Pass-Through Certificates, Series 2004-20T1 Alternative Loan Trust 2004-20T1 ------------------------------------------------------------

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 A1 ~~101~~95,~~628~~897,~~629~~384.9729 6.000000% 52,~~731~~207,~~245~~833.6774 ~~508~~479,~~143~~486.1592 62,~~239~~687,~~388~~320.8266 0.00 0.00 A2 ~~124~~115,~~186~~491,~~337~~152.9148 6.000000% 83,~~695~~349,~~185~~624.4399 ~~620~~577,~~931~~455.6976 93,~~316~~927,~~117~~080.1275 0.00 0.00 A3 27,000,000.00 6.000000% 0.00 135,000.00 135,000.00 0.00 0.00 A4 3,000,000.00 6.000000% 0.00 15,000.00 15,000.00 0.00 0.00 PO 5,~~609~~518,~~856~~586.5346 0.000000% 91117,~~270~~429.0796 0.00 91117,~~270~~429.0796 0.00 0.00 M 10,~~614~~604,~~504~~840.5852 6.000000% 9,~~664~~863.0568 53,~~072~~024.5220 62,~~736~~887.5888 0.00 0.00 B1 2,~~392~~389,~~001~~823.0322 6.000000% 2,~~177~~222.8280 11,~~960~~949.0112 14,~~137~~171.8292 0.00 0.00 B2 1,~~495~~493,~~000~~639.6551 6.000000% 1,~~361~~389.1325 7,~~475~~468.0020 8,~~836~~857.1445 0.00 0.00 B3 1,~~196~~194,~~000~~911.5261 6.000000% 1,~~088~~111.9140 5,~~980~~974.0056 7,~~068~~085.9196 0.00 0.00 B4 ~~897~~896,~~000~~183.3971 6.000000% ~~816~~833.6855 4,~~485~~480.0092 5,~~301~~314.6847 0.00 0.00 B5 ~~598~~597,~~355~~810.1133 6.000000% ~~544~~555.7495 2,~~991~~989.7805 3,~~536~~545.5100 0.0408 0.00 Residual AR 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~278~~264,~~617~~084,~~686~~332.6814 - 145,~~533~~690,~~354~~865.5031 1,~~365~~292,~~039~~828.1573 156,~~898~~983,~~393~~694.6504 0.0408 - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior A1 9593,~~897~~689,~~384~~550.2956 0.00 A2 ~~115~~112,~~491~~141,~~152~~527.4849 0.00 A3 27,000,000.00 0.00 A4 3,000,000.00 0.00 PO 5,~~518~~401,~~586~~156.4650 0.00 M 10,~~604~~594,~~840~~976.5285 0.00 B1 2,~~389~~387,~~823~~600.2242 0.00 B2 1,~~493~~492,~~639~~250.5126 0.00 B3 1,~~194~~193,~~911~~800.6121 0.00 B4 ~~896~~895,~~183~~350.7116 0.00 B5 597,~~810~~254.3330 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~264~~258,~~084~~393,~~332~~466.1475 - --------------------------------------------------------------------------------

Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans Servicing LP Mortgage Pass-Through Certificates, Series 2004-20T1 Alternative Loan Trust 2004-20T1 ------------------------------------------------------------

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 A1 ~~101~~95,~~628~~897,~~629~~384.9729 6.000000% 12667FPE9 5220.~~102233~~071216 4.~~619483~~358972 ~~871~~851.~~794403~~723187 A2 ~~124~~115,~~186~~491,~~337~~152.9148 6.000000% 12667FPF6 6324.~~520900~~470001 4.~~536090~~218485 ~~843~~819.~~697009~~227008 A3 27,000,000.00 6.000000% 12667FPG4 0.000000 5.000000 1,000.000000 A4 3,000,000.00 6.000000% 12667FPH2 0.000000 5.000000 1,000.000000 PO 5,~~609~~518,~~856~~586.5346 0.000000% 12667FPJ8 1520.~~568339~~030547 0.000000 ~~941~~921.~~329652~~299105 M 10,~~614~~604,~~504~~840.5852 6.000000% 12667FPL3 0.~~907423~~926167 4.~~983335~~978798 ~~995~~994.~~759674~~833507 B1 2,~~392~~389,~~001~~823.0322 6.000000% 12667FPM1 0.~~907423~~926167 4.~~983335~~978798 ~~995~~994.~~759674~~833507 B2 1,~~495~~493,~~000~~639.6551 6.000000% 12667FPN9 0.~~907423~~926167 4.~~983335~~978798 ~~995~~994.~~759674~~833507 B3 1,~~196~~194,~~000~~911.5261 6.000000% 12667FPP4 0.~~907423~~926167 4.~~983335~~978798 ~~995~~994.~~759674~~833507 B4 ~~897~~896,~~000~~183.3971 6.000000% 12667FPQ2 0.~~907423~~926167 4.~~983335~~978798 ~~995~~994.~~759674~~833507 B5 ~~598~~597,~~355~~810.1133 6.000000% 12667FPR0 0.~~907358~~926036 4.~~983335~~978798 ~~995~~994.~~759674~~833507 Residual AR 0.00 6.000000% 12667FPK5 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~278~~264,~~617~~084,~~686~~332.6814 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Servicing LP Mortgage Pass-Through Certificates, Series 2004-20T1 Alternative Loan Trust 2004-20T1 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 258,393,466.75 258,393,466.75 Loan count 520 520 Avg loan rate 6.370330% 6.37 Prepay amount 5,444,458.40 5,444,458.40 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 53,213.79 53,213.79 Sub servicer fees 52,093.31 52,093.31 Trustee fees 1,980.63 1,980.63 Agg advances N/A N/A Adv this period 49,750.78 49,750.78 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 100,000.00 100,000.00 Fraud 2,640,843.32 2,640,843.32 Special Hazard 4,518,565.68 4,518,565.68 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 264,084,332.14 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 12 5,658,938.67 60 to 89 days 2 765,887.71 90 or more 1 521,286.18 Foreclosure 1 918,644.60 Totals: 16 7,864,757.16 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 6,983,694.04 6,983,694.04 Principal remittance amount 5,690,865.31 5,690,865.31 Interest remittance amount 1,292,828.73 1,292,828.73

Filing Compare · ALTERNATIVE LOAN TRUST 2004-20T1