8-K 1 irwin03a8k1103.txt IRWIN03A 8K 1103 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): 25-Nov-03 Credit Suisse First Boston Mortgage Acceptance Corp. (Exact name of registrant as specified in its charter) Delaware 333-65554-10 13-3460894 (State or Other Jurisdiction (Commission (I.R.S. Employer of Incorporation) File Number) Identification No.) 11 Madison Avenue, 5th Floor New York, New York 10010 (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code: (212) 325-2000 Item 5. Other Events On 25-Nov-03 a scheduled distribution was made from the Trust to holders of the Certificates. The Trustee has caused to be filed with the Commission, the Monthly Report dated 25-Nov-03 The Monthly Report is filed pursuant to and in accordance with (1) numerous no-action letters (2) current Commission policy in the area. A. Monthly Report Information See Exhibit No.1 B. Have and deficiencies occurred? NO. Date: Amount: C. Item 1: Legal Proceedings: NONE D. Item 2: Changes in Securities: NONE E. Item 4: Submission of Matters to a Vote of Certificateholders: NONE F. Item 5: Other Information - Form 10-Q, PartII - Items 1,2,4,5 if applicable: NOT APPLICABLE Item 7. Monthly Statements and Exhibits Exhibit No. 1. Monthly Distribution Report Dated 25-Nov-03 Irwin Whole Loan Home Equity Trust Home Equity Loan-Backed Notes Series 2003-A STATEMENT TO CERTIFICATEHOLDERS Original Beginning Certificate Certificate Principal Interest Class Cusip Face Value Balance (1) Distribution Distribution A-1 464187AK9 111500000.00 70666133.62 6570189.28 92219.30 A-2 464187AQ6 27950000.00 17714066.68 1646966.73 26684.27 A-IO 464187AL7 17100000.00 17100000.00 0.00 142500.00 M-1 464187AM5 16000000.00 16000000.00 0.00 27968.89 M-2 464187AN3 12000000.00 12000000.00 0.00 31610.00 B 464187AP8 10743706.81 10743706.81 0.00 39984.50 CE N/A 0.00 0.00 0.00 471845.60 Total 178193706.81 127123907.11 8217156.01 832812.56 Interest Ending Realized Loss Shortfall Certificate of Principal Amount Balance (1) Class A-1 0.00 0.00 64095944.34 A-2 0.00 0.00 16067099.95 A-IO 0.00 0.00 17100000.00 M-1 0.00 0.00 16000000.00 M-2 0.00 0.00 12000000.00 B 0.00 0.00 10743706.81 CE N/A 0.00 0.00 Total 0.00 0.00 118906751.10 AMOUNTS PER $1,000 UNIT Interest Ending Prin Int Carry-forward Total Cert. Class Distribution Distribution Amount Distribution Balance A-1 58.92546 0.82708 0.00000 59.75254 574.85152 A-2 58.92546 0.95471 0.00000 59.88018 574.85152 A-IO 0.00000 8.33333 0.00000 8.33333 1000.00000 M-1 0.00000 1.74806 0.00000 1.74806 1000.00000 M-2 0.00000 2.63417 0.00000 2.63417 1000.00000 B 0.00000 3.72167 0.00000 3.72167 1000.00000 Current Pass-Through Class Interest Rate A-1 1.620% A-2 1.870% A-IO 10.000% M-1 2.170% M-2 3.270% B 4.620% Principal Distributions: Beginning Balance 131578749.78 Scheduled Principal 285675.61 Prepayments (Includes Curtailments) 7224230.16 Net Liquidation Proceeds 119117.51 Loan Purchase Prices 0.00 Total Principal Remittance 7629023.28 Net Realized Losses 588132.73 Ending Balance 123361593.77 Ending Count 2862 Overcollateralization Amount 4454842.67 Targeted Overcollateralization Amount 4454842.67 Scheduled Interest - Current Period - Net of Servicing Fee 1422206.25 Servicing Fee 109648.96 Trustee Fee 1260.96 Certificate Distribution Amount 471845.60 Trigger Event NO Deposit to Basis Risk Reserve Fund 0.00 Basis Risk Reserve Fund Balance 25000.00 Class A-1 Basis Risk Shortfall 0.00 Class A-2 Basis Risk Shortfall 0.00 Class M Basis Risk Shortfall 0.00 Class B Basis Risk Shortfall 0.00 Delinquency Information 30-59 del 60-89 del 90 or more del Cnt Bal Cnt Bal Cnt Bal 55 1998150 24 895000 46 2142564 *Note:above statistics do not incl loans in FC, BK or REO. Outstanding Loans Foreclosure REO Cnt Bal Cnt Bal Cnt Bal 2,862 123361594 1 34582 0 0 Current Delinquency Rate (60+days) 2.49036% Rolling Three Month Delinquency Rate (60+days) 2.26968% Number of Loans Repurchased 0.00 Principal Balance of Loans Repurchased 0.00 Realized Losses incurred during the related Due Period 588132.73 Cumulative Realized Losses since Startup Day 1462996.34 Weighted Average Gross Coupon of Mortgage Loans 13.63705% Weighted Average Net Coupon of Mortgage Loans 12.62555% Senior Enhancement Percentage 35.01783% Principal Balance of Liquidated Loans 707250.24 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. Credit Suisse First Boston Mortgage Acceptance Corp. By: /s/ Sheryl Christopherson Name: Sheryl Christopherson Title: Vice President US Bank, NA, as Trustee

                       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, as amended


               Date of Earliest Event Reported: November 17, 2003
                        (date of earliest event reported)



              CREDIT SUISSE FIRST BOSTON MORTGAGE ACCEPTANCE CORP.
               (Exact name of Registrant as Specified in Charter)

               Delaware                              333-65554                             13-3460894
           (State or Other                          (Commission                         (I.R.S. Employer
    Jurisdiction of Incorporation)                  File Number)                     Identification Number)


                              Eleven Madison Avenue
                            New York, New York 10010
                    (Address of Principal Executive Offices)
                                   (Zip Code)

                        Registrant's telephone number, including area code: (212) 325-2000

                                 Not Applicable
          (Former Name or Former Address, if Changed Since Last Report)

Items 1 through 6, Item 8 and Item 9 are not included because they are not
applicable.

Item 7.  Financial Statements and Exhibits.

Information and Exhibits.

(a) Financial Statements of businesses acquired.

         Not applicable.

(b) Pro Forma financial information.

         Not applicable.

(c)         Exhibit No.                       Description

               25                              Form T-1 Statement of Eligibility under the Trust Indenture
                                               Act of 1939, as amended.  (Certain exhibits to Form T-1 are
                                               incorporated by reference to Exhibit 25).

                                   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 hereunto duly authorized.

                                                     CREDIT SUISSE FIRST BOSTON MORTGAGE ACCEPTANCE CORP.



                                                     By:    /s/John P. Graham
                                                        --------------------------------------------------
                                                          Name:  John P. Graham
                                                          Title:    Vice President






Dated:   November 17, 2003

Exhibit Index


Exhibit                        Description                                                    Page

25                             Form T-1 Statement of Eligibility under the Trust                 5
                               Indenture Act of 1939, as amended.
                               (Certain exhibits to Form T-1 are
                               incorporated by reference to Exhibit
                               25).
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