8-K 1 cwt528cb_8k0510.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): October 25, 2005 CWT (Depositor) (Issuer in respect of Countrywide Home Loans, Countrywide Alternative Loan (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: October 25, 2005 CWT By: /s/ Cirino Emanuele ------------------------------ Name: Cirino Emanuele Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated October 25, 2005 Payment Date: 10/25/05 ------------------------------------------------------------ Independent National Mortgage Corporation Countrywide Home Loans, Countrywide Alternative Loan Trust Series 2005-28CB ------------------------------------------------------------

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 2928,~~188~~103,~~571~~088.7665 34.~~760000~~130000% ~~671~~458,~~984~~812.8700 9196,~~457~~721.5246 ~~763~~555,~~442~~533.4046 0.00 0.00 1A2 20,000,000.00 4.~~210000~~580000% 0.00 7076,~~166~~333.6733 7076,~~166~~333.6733 0.00 0.00 1A3 4948,~~188~~103,~~571~~088.7665 10.~~290000~~920000% 0.00 5236,~~877~~879.7103 5236,~~877~~879.7103 0.00 0.00 1A4 35,631,600.00 5.500000% 0.00 163,311.50 163,311.50 0.00 0.00 1A5 ~~106~~104,~~784~~204,000.00 5.500000% 1,290,000.00 ~~489~~477,~~426~~601.67 1,~~779~~767,~~426~~601.67 0.00 0.00 1A6 50,400,000.00 5.500000% 0.00 231,000.00 231,000.00 0.00 0.00 1A7 2,~~488~~511,~~352~~215.9209 5.500000% 0.00 0.00 0.00 0.00 0.00 1A8 2928,~~188~~103,~~571~~088.7665 0.450000% 0.00 10,~~945~~538.7166 10,~~945~~538.7166 0.00 0.00 1A9 ~~149~~146,~~727~~648,~~428~~617.5120 4.~~010000~~380000% 1,~~913~~296,~~947~~002.7339 ~~500~~535,~~339~~267.1645 21,~~414~~831,~~286~~269.8984 0.00 0.00 110 ~~149~~146,~~727~~648,~~428~~617.5120 1.~~490000~~120000% 0.00 ~~185~~136,~~911~~872.5604 ~~185~~136,~~911~~872.5604 0.00 0.00 111 4,395,400.00 5.500000% 0.00 20,145.58 20,145.58 0.00 0.00 2A1 4946,~~307~~892,~~705~~242.5900 34.~~860000~~230000% 1476,~~002,961~~038.1775 ~~158~~165,~~606~~295.4515 1641,~~161,567~~333.6391 0.00 0.00 2A2 8379,~~528~~436,~~798~~927.1011 1.~~890000~~520000% 0.00 ~~131~~100,~~557~~620.8611 ~~131~~100,~~557~~620.8611 0.00 0.00 2A3 3,369,800.00 5.750000% 0.00 16,146.96 16,146.96 0.00 0.00 2A4 14,148,500.00 5.750000% 0.00 67,794.90 67,794.90 0.00 0.00 2A5 4645,~~675~~525,000.00 5.750000% 575,000.00 ~~223~~218,~~651~~140.0463 ~~798~~793,~~651~~140.0463 0.00 0.00 2A6 16,~~717~~673,~~288~~554.9628 5.000000% 2122,~~815~~024.0764 69,~~655~~473.3714 91,~~470~~497.4478 0.00 0.00 2A7 4,~~552~~596,~~711~~445.0472 5.750000% 0.00 0.00 0.00 0.00 0.00 2A8 3432,~~221~~544,~~092~~685.5211 34.~~860000~~230000% ~~696~~330,~~086~~385.4881 ~~110~~114,~~077~~720.8502 ~~806~~445,~~164~~105.3283 0.00 0.00 2A9 3,331,500.00 5.750000% 0.00 15,963.44 15,963.44 0.00 0.00 210 2,~~180~~174,~~515~~811.9543 5.750000% 0.00 10,~~448~~420.3197 10,~~448~~420.3197 0.00 0.00 3A1 4136,~~133~~578,~~572~~957.6853 34.~~710000~~080000% 27,~~093~~118,~~059~~905.0416 ~~127~~124,~~171~~368.3046 27,~~220~~243,~~230~~273.3462 0.00 0.00 3A2 7368,~~133~~578,~~572~~957.6853 1.~~840000~~470000% 0.00 ~~112~~84,~~138~~009.1422 ~~112~~84,~~138~~009.1422 0.00 0.00 3A3 32,000,000.00 4.~~160000~~530000% 0.00 ~~110~~120,~~933~~800.3300 ~~110~~120,~~933~~800.3300 0.00 0.00 3A4 4136,~~133~~578,~~572~~957.6853 0.450000% 0.00 1513,~~425~~717.0911 1513,~~425~~717.0911 0.00 0.00 3A5 4342,~~475~~425,000.00 6.000000% 525,000.00 ~~217~~212,~~375~~125.00 ~~742~~737,~~375~~125.00 0.00 0.00 3A6 5,~~792~~850,~~418~~486.0099 6.000000% 0.00 0.00 0.00 0.00 0.00 3A7 14,000,000.00 6.000000% 0.00 70,000.00 70,000.00 0.00 0.00 4A1 4241,~~057~~290,~~542~~492.6746 5.000000% ~~307~~371,~~123~~241.4520 ~~175~~172,~~239~~043.7672 ~~482~~543,~~363~~284.2191 0.00 0.00 4A2 4241,~~057~~290,~~542~~492.6746 5.500000% ~~307~~371,~~123~~241.4520 ~~192~~189,~~763~~248.7409 ~~499~~560,~~887~~489.1929 0.00 0.00 PO-1 ~~755~~742,~~525~~782.7134 0.000000% 72,~~516~~903.8637 0.00 72,~~516~~903.8637 0.00 0.00 Residual AR 0.00 5.500000% 0.00 0.4700 0.4700 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 19,~~350~~308,~~961~~742.9367 5.~~615583~~615859% 2021,~~993~~409.1943 90,~~555~~362.7865 111,~~548~~772.9707 0.00 0.00 B1 7,~~992~~975,~~582~~144.2733 5.~~615583~~615859% 8,~~670~~842.8880 37,~~402~~322.5174 46,~~073~~165.3853 0.00 0.00 B2 4,~~627~~617,~~284~~188.4782 5.~~615583~~615859% 5,~~019~~119.9851 21,~~654~~607.0890 26,~~674~~727.0641 0.00 0.00 B3 4,~~627~~617,~~284~~188.4782 5.~~615583~~615859% 5,~~019~~119.9851 21,~~654~~607.0890 26,~~674~~727.0641 0.00 0.00 B4 3,~~365~~357,~~297~~955.8051 5.~~615583~~615859% 3,~~650~~723.9028 15,~~748~~714.4284 19,~~399~~438.3212 0.00 0.00 B5 2,~~103~~098,~~365~~776.4237 5.~~615583~~615859% 2,~~281~~326.8799 9,~~843~~822.0203 12,~~124~~149.8901 0.0013 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~834~~815,~~277~~128,~~329~~856.3834 - 912,~~457~~884,~~254~~096.9303 3,~~837~~745,~~388~~995.9869 1316,~~294~~630,~~643~~091.9272 -0.13 - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 2827,~~516~~644,~~586~~276.8965 0.00 1A2 20,000,000.00 0.00 1A3 4847,~~516~~644,~~586~~276.8965 0.00 1A4 35,631,600.00 0.00 1A5 ~~105~~102,~~494~~914,000.00 0.00 1A6 50,400,000.00 0.00 1A7 2,~~499~~522,~~757~~724.8783 0.00 1A8 2827,~~516~~644,~~586~~276.8965 0.00 1A9 ~~147~~145,~~813~~352,~~480~~614.7781 0.00 110 ~~147~~145,~~813~~352,~~480~~614.7781 0.00 111 4,395,400.00 0.00 2A1 4846,~~304~~416,~~744~~203.4225 0.00 2A2 8178,~~829~~630,~~750~~502.4554 0.00 2A3 3,369,800.00 0.00 2A4 14,148,500.00 0.00 2A5 4644,~~100~~950,000.00 0.00 2A6 16,~~695~~651,~~473~~529.8864 0.00 2A7 4,~~574~~618,~~526~~470.1236 0.00 2A8 3332,~~525~~214,~~006~~299.0430 0.00 2A9 3,331,500.00 0.00 210 2,~~177~~171,~~670~~938.5165 0.00 3A1 3929,~~040~~460,~~513~~052.6337 0.00 3A2 7161,~~040~~460,~~513~~052.6337 0.00 3A3 32,000,000.00 0.00 3A4 3929,~~040~~460,~~513~~052.6337 0.00 3A5 4241,~~950~~900,000.00 0.00 3A6 5,~~821~~879,~~380~~739.0943 0.00 3A7 14,000,000.00 0.00 4A1 4140,~~750~~919,~~419~~251.2226 0.00 4A2 4140,~~750~~919,~~419~~251.2226 0.00 PO-1 ~~748~~739,~~008~~878.8597 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 19,~~329~~287,~~968~~333.7424 0.00 B1 7,~~983~~966,~~911~~301.3953 0.00 B2 4,~~622~~612,~~264~~069.4931 0.00 B3 4,~~622~~612,~~264~~069.4931 0.00 B4 3,~~361~~354,~~646~~232.9022 0.00 B5 2,~~101~~096,~~083~~449.5526 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~824~~802,~~882~~307,~~256~~546.5699 - --------------------------------------------------------------------------------

Payment Date: 10/25/05 ------------------------------------------------------------ Independent National Mortgage Corporation Countrywide Home Loans, Countrywide Alternative Loan Trust Series 2005-28CB ------------------------------------------------------------

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 2928,~~188~~103,~~571~~088.7665 34.~~760000~~130000% 12667GWQ2 2215.~~939335~~662320 3.~~122057~~301750 ~~973~~943.~~461695~~683916 1A2 20,000,000.00 4.~~210000~~580000% 12667GWR0 0.000000 3.~~508333~~816667 1,000.000000 1A3 4948,~~188~~103,~~571~~088.7665 10.~~290000~~920000% 12667GWS8 0.000000 10.~~072701~~748144 ~~984~~966.~~229052~~532979 1A4 35,631,600.00 5.500000% 12667GWT6 0.000000 4.583333 1,000.000000 1A5 ~~106~~104,~~784~~204,000.00 5.500000% 12667GWU3 11.936266 4.~~528625~~419210 ~~976~~952.~~127468~~254936 1A6 50,400,000.00 5.500000% 12667GWV1 0.000000 4.583333 1,000.000000 1A7 2,~~488~~511,~~352~~215.9209 5.500000% 12667GWW9 0.000000 0.000000 1,~~009~~018.~~187674~~459761 1A8 2928,~~188~~103,~~571~~088.7665 0.450000% 12667GWX7 0.000000 0.~~373650~~359755 ~~973~~943.~~461695~~683916 1A9 ~~149~~146,~~727~~648,~~428~~617.5120 4.~~010000~~380000% 12667GWY5 128.~~759652~~640016 3.~~335594~~568450 ~~985~~969.~~423205~~017432 110 ~~149~~146,~~727~~648,~~428~~617.5120 1.~~490000~~120000% 12667GWZ2 0.000000 10.~~239410~~912480 ~~985~~969.~~423205~~017432 111 4,395,400.00 5.500000% 12667GE82 0.000000 4.583333 1,000.000000 2A1 4946,~~307~~892,~~705~~242.5900 34.~~860000~~230000% 12667GXA6 199.~~888185~~439595 3.~~145081~~277715 ~~957~~920.~~857315~~408551 2A2 8379,~~528~~436,~~798~~927.1011 1.~~890000~~520000% 12667GXB4 0.000000 1.~~539949~~177808 ~~957~~920.~~857315~~408551 2A3 3,369,800.00 5.750000% 12667GXC2 0.000000 4.791667 1,000.000000 2A4 14,148,500.00 5.750000% 12667GXD0 0.000000 4.791667 1,000.000000 2A5 4645,~~675~~525,000.00 5.750000% 12667GXE8 12.169312 4.~~733355~~616733 ~~975~~951.~~661376~~322751 2A6 16,~~717~~673,~~288~~554.9628 5.000000% 12667GXF5 1.~~303248~~315768 4.~~161262~~150376 ~~997~~994.~~399718~~774458 2A7 4,~~552~~596,~~711~~445.0472 5.750000% 12667GYF4 0.000000 0.000000 1,~~009~~019.~~606293~~304868 2A8 3432,~~221~~544,~~092~~685.5211 34.~~860000~~230000% 12667GYG2 199.~~888185~~439595 3.~~145081~~277715 ~~957~~920.~~857315~~408551 2A9 3,331,500.00 5.750000% 12667GYH0 0.000000 4.791667 1,000.000000 210 2,~~180~~174,~~515~~811.9543 5.750000% 12667GE90 0.000000 4.~~785454~~772934 ~~997~~994.~~400096~~774834 3A1 4136,~~133~~578,~~572~~957.6853 34.~~710000~~080000% 12667GYJ6 47162.~~701788~~243155 2.~~898293~~834415 ~~889~~671.~~751439~~408277 3A2 7368,~~133~~578,~~572~~957.6853 1.~~840000~~470000% 12667GYK3 0.000000 1.~~477874~~107162 ~~936~~809.~~246522~~985139 3A3 32,000,000.00 4.~~160000~~530000% 12667GYL1 0.000000 3.~~466667~~775000 1,000.000000 3A4 4136,~~133~~578,~~572~~957.6853 0.450000% 12667GYM9 0.000000 0.~~351545~~312619 ~~889~~671.~~751439~~408277 3A5 4342,~~475~~425,000.00 6.000000% 12667GYN7 11.931818 4.~~940341~~821023 ~~976~~952.~~136364~~272727 3A6 5,~~792~~850,~~418~~486.0099 6.000000% 12667GYP2 0.000000 0.000000 1,~~010~~020.~~025000~~150501 3A7 14,000,000.00 6.000000% 12667GYQ0 0.000000 5.000000 1,000.000000 4A1 4241,~~057~~290,~~542~~492.6746 5.000000% 12667GYR8 78.~~276341~~795413 4.~~151765~~076044 ~~989~~969.~~147191~~455234 4A2 4241,~~057~~290,~~542~~492.6746 5.500000% 12667GF24 78.~~276341~~795413 4.~~566941~~483649 ~~989~~969.~~147191~~455234 PO-1 ~~755~~742,~~525~~782.7134 0.000000% 12667GYS6 93.~~777946~~776707 0.000000 ~~973~~962.~~010793~~435442 Residual AR 0.00 5.500000% 12667GYT4 0.000000 40.~~718317~~000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 19,~~350~~308,~~961~~742.9367 5.~~615583~~615859% 12667GYU1 1.~~083995~~105488 4.~~675898~~665926 ~~998~~995.~~113688~~912180 B1 7,~~992~~975,~~582~~144.2733 5.~~615583~~615859% 12667GYV9 1.~~083995~~105488 4.~~675898~~665926 ~~998~~995.~~113688~~912180 B2 4,~~627~~617,~~284~~188.4782 5.~~615583~~615859% 12667GYW7 1.~~083995~~105488 4.~~675898~~665926 ~~998~~995.~~113688~~912180 B3 4,~~627~~617,~~284~~188.4782 5.~~615583~~615859% 12667GXG3 1.~~083995~~105488 4.~~675898~~665926 ~~998~~995.~~113688~~912180 B4 3,~~365~~357,~~297~~955.8051 5.~~615583~~615859% 12667GXH1 1.~~083995~~105488 4.~~675898~~665926 ~~998~~995.~~113688~~912180 B5 2,~~103~~098,~~365~~776.4237 5.~~615583~~615859% 12667GXJ7 1.~~083995~~105428 4.~~675898~~665926 ~~998~~995.~~113688~~912180 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~834~~815,~~277~~128,~~329~~856.3834 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Independent National Mortgage Corporation Countrywide Home Loans, Countrywide Alternative Loan Trust Series 2005-28CB ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 410,497,591.40 174,870,553.32 130,580,886.02 Loan count 2407 1087 714 Avg loan rate 6.128600% 6.529045% 6.767578% Prepay amount 2,670,902.05 1,241,829.36 7,556,129.53 Total ----- Prin balance 86,358,516.25 802,307,546.99 Loan count 580 4788 Avg loan rate 5.717161% 6.28 Prepay amount 442,204.00 11,911,064.94 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 84,307.90 35,209.05 22,598.56 Sub servicer fees 0.00 0.00 0.00 Trustee fees 3,101.63 1,321.95 1,036.50 Agg advances N/A N/A N/A Adv this period 23,756.07 19,248.30 19,822.30 Total ----- Master serv fees 18,106.67 160,222.18 Sub servicer fees 0.00 0.00 Trustee fees 653.39 6,113.47 Agg advances N/A N/A Adv this period 18,054.92 80,881.59 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- 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 0.00 0.00 0.00 Fraud 8,440,000.00 3,679,996.23 2,940,000.00 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 1,780,000.00 16,839,996.23 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.855924% 100.000000% 773,153,859.83 ----------------------------------------------------------------------------- Junior 5.144076% 0.000000% 41,928,454.87 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 64 10,175,705.60 60 to 89 days 6 854,408.19 90 or more 5 965,664.80 Foreclosure 1 130,500.00 Totals: 76 12,126,278.59 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 16,630,091.72 16,630,091.72 Principal remittance amount 12,884,096.03 12,884,096.03 Interest remittance amount 3,745,995.69 3,745,995.69

Filing Compare · ALTERNATIVE LOAN TRUST 2005-28CB