8-K 1 ahl02001.txt NOVEMBER 8K UNITED STATES 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): November 25, 2002 ACCREDITED MORTGAGE LOAN TRUST Asset-Backed Certificates, Series 2002-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-07219-03 Pooling and Servicing Agreement) (Commission N/A (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) ITEM 5. Other Events On November 25, 2002 a distribution was made to holders of ACCREDITED MORTGAGE LOAN TRUST, Asset-Backed Certificates, Series 2002-1 Trust. ITEM 7. Financial Statements and Exhibits (c) Exhibits furnished in accordance with Item 601(a) of Regulation S-K Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset-Backed Certificates, Series 2002-1 Trust, relating to the November 25, 2002 distribution. 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. ACCREDITED MORTGAGE LOAN TRUST Asset-Backed Certificates, Series 2002-1 Trust By: Wells Fargo Bank Minnesota, N.A., as Indenture Trustee By: /s/ Beth Belfield, Assistant Vice President By: Beth Belfield, Assistant Vice President Date: 12/3/02 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Certificates, Series 2002-1 Trust, relating to the November 25, 2002 distribution.

Accredited Home Lenders, Inc. Mortgage Pass-Through Certificates Record Date: 910/3031/02 ~~Distribution Date: 10~~11/25/02 Distribution Date: AHL Series: 2002-1 Contact: Customer Service - CTSLink Wells Fargo Bank Minnesota, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution A-1 004375AE1 SEN 4.93000% 67,~~843~~224,~~992~~258.2460 ~~278~~276,~~725~~179.7366 ~~619~~836,~~733~~738.6431 A-2 004375AF8 SEN 2.~~13375~~15000% ~~136~~135,~~781~~587,~~001~~654.9148 ~~243~~251,~~213~~025.7248 12,~~193~~103,~~347~~119.4295 OC AHL0001OC JUN 0.00000% 12,~~615~~450,~~346~~965.6455 0.00 0.00 Trust Cert AHL0001TC RES 0.00000% 0.00 0.00 0.00 Totals ~~206~~205,~~240~~262,~~340~~878.7963 ~~521~~527,~~939~~205.4514 12,~~813~~939,~~081~~858.0626

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1 0.00 6766,~~224~~387,~~258~~520.6029 ~~898~~1,~~459~~112,917.3797 0.00 A-2 0.00 ~~135~~133,~~587~~484,~~654~~534.4854 12,~~436~~354,~~561~~145.1443 0.00 OC 0.00 23,~~450~~330,~~965~~489.5515 0.00 0.00 Trust Cert 0.00 0.00 0.00 0.00 Totals 0.00 ~~205~~203,~~262~~202,~~878~~543.6398 23,~~335~~467,~~020~~063.5140 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) A-1 68,704,000.00 67,~~843~~224,~~992~~258.2460 5960,~~938~~134.8071 ~~559~~776,~~794~~603.8460 0.00 0.00 A-2 138,694,000.00 ~~136~~135,~~781~~587,~~001~~654.9148 89,~~037~~349.7205 12,~~104~~013,~~309~~770.7090 0.00 0.00 OC 1,158.72 12,~~615~~450,~~346~~965.6455 0.00 0.00 0.00 0.00 Trust Cert 0.00 0.00 0.00 0.00 0.00 0.00 Totals 207,399,158.72 ~~206~~205,~~240~~262,~~340~~878.7963 ~~148~~149,~~976~~483.5276 12,~~664~~790,~~104~~374.5450 0.00 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution A-1 ~~619~~836,~~733~~738.6431 6766,~~224~~387,~~258~~520.6029 0.~~97846208~~96628319 ~~619~~836,~~733~~738.6431 A-2 12,~~193~~103,~~347~~119.4295 ~~135~~133,~~587~~484,~~654~~534.4854 0.~~97760288~~96243914 12,~~193~~103,~~347~~119.4295 OC 0.00 23,~~450~~330,~~965~~489.5515 2,~~115~~874.~~23538905~~28295878 0.00 Trust Cert 0.00 0.00 0.00000000 0.00 Totals 12,~~813~~939,~~081~~858.0626 ~~205~~203,~~262~~202,~~878~~543.6398 0.~~98969967~~97976552 12,~~813~~939,~~081~~858.0626

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1 68,704,000.00 ~~987~~978.~~48242082~~46207790 0.~~87242082~~87527233 811.~~14792210~~30361551 0.00000000 A-2 138,694,000.00 ~~986~~977.~~20705950~~60288462 0.~~64197240~~64421713 714.~~96220240~~51952428 0.00000000 OC 1,158.72 ~~1394078~~2115235.~~50041425~~38904999 0.00000000 0.00000000 0.00000000 Trust Cert 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All denominations are per $1,000

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A-1 0.00000000 912.~~02034292~~17888784 ~~978~~966.~~46207790~~28319006 0.~~97846208~~96628319 912.~~02034292~~17888784 A-2 0.00000000 815.~~60417480~~16374140 ~~977~~962.~~60288462~~43914329 0.~~97760288~~96243914 815.~~60417480~~16374140 OC 0.00000000 0.00000000 2,~~115~~874,~~235~~282.~~38904999~~9587821 ~~2115~~2874.~~23538905~~28295878 0.00000000 Trust Cert 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall A-1 68,704,000.00 4.93000% 67,~~843~~224,~~992~~258.2460 ~~278~~276,~~725~~179.7366 0.00 0.00 A-2 138,694,000.00 2.~~13375~~15000% ~~136~~135,~~781~~587,~~001~~654.9148 ~~243~~251,~~213~~025.7248 0.00 0.00 OC 1,158.72 0.00000% 0.00 0.00 0.00 0.00 Trust Cert 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 207,399,158.72 ~~521~~527,~~939~~205.4514 0.00 0.00

Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance A-1 0.00 0.00 ~~278~~276,~~725~~179.7366 0.00 6766,~~224~~387,~~258~~520.6029 A-2 0.00 0.00 ~~243~~251,~~213~~025.7248 0.00 ~~135~~133,~~587~~484,~~654~~534.4854 OC 0.00 0.00 0.00 0.00 0.00 Trust Cert 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 ~~521~~527,~~939~~205.4514 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall A-1 68,704,000.00 4.93000% ~~987~~978.~~48242082~~46207790 4.~~05690688~~01984833 0.00000000 0.00000000 A-2 138,694,000.00 2.~~13375~~15000% ~~986~~977.~~20705950~~60288462 1.~~75359943~~80992314 0.00000000 0.00000000 OC 1,158.72 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 Trust Cert 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Denominations are per $1,000

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance A-1 0.00000000 0.00000000 4.~~05690688~~01984833 0.00000000 ~~978~~966.~~46207790~~28319006 A-2 0.00000000 0.00000000 1.~~75359943~~80992314 0.00000000 ~~977~~962.~~60288462~~43914329 OC 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 Trust Cert 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankrupcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Certificateholder Component Statement Component Beginning Ending Beginning Ending Ending Pass-Through Notional Notional Component Component Component Class Rate Balance Balance Balance Balance Percentage AMBAC 0.22000% ~~204,624,994.15~~ 202,811,913.09 199,872,054.83 0.00 0.00 9796.~~78875066~~37125470%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 23,~~436~~515,~~232~~235.2332 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Losses 0.00 Prepayment Penalties 2476,~~114~~409.7182 Total Deposits 23,~~460~~591,~~346~~645.9414 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~125~~124,~~326~~581.4374 Payment of Interest and Principal 23,~~335~~467,~~020~~063.5140 Total Withdrawals (Pool Distribution Amount) 23,~~460~~591,~~346~~645.9414 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 8382,~~355~~960.5441 Ambac Fee 37,~~514~~182.5818 Backup Servicing Fee 2,~~578~~566.5813 Group 1 Owner Trustee Accrual ~~109~~110.6549 Group 2 Owner Trustee Accrual ~~221~~222.0785 Indenture Trustee Fee 1,~~547~~539.0168 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~125~~124,~~326~~581.4374

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 02 0 0 02 0175,960.0067 0.00 0.00 0175,960.0067 30 Days 23 0 0 0 23 ~~275~~527,~~723~~988.9838 0.00 0.00 0.00 ~~275~~527,~~723~~988.9838 60 Days 0 10 0 0 10 0.00 ~~113,600~~0.00 0.00 0.00 ~~113,600~~0.00 90 Days 0 0 01 0 01 0.00 0.00 0113,600.00 0.00 0113,600.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 3 2 1 0 06 3527,988.38 ~~275~~175,~~723~~960.9867 113,600.00 0.00 ~~0.00 389~~817,~~323~~549.9805 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.~~000000~~138600% 0.000000% 0.000000% 0.~~000000~~138600% 0.~~000000~~086539% 0.000000% 0.000000% 0.~~000000~~086539% 30 Days 0.~~137552~~207900% 0.000000% 0.000000% 0.000000% 0.~~137552~~207900% 0.~~134327~~259668% 0.000000% 0.000000% 0.000000% 0.~~134327~~259668% 60 Days 0.000000% 0.~~068776~~000000% 0.000000% 0.000000% 0.~~068776~~000000% 0.000000% 0.~~055344~~000000% 0.000000% 0.000000% 0.~~055344~~000000% 90 Days 0.000000% 0.000000% 0.~~000000~~069300% 0.000000% 0.~~000000~~069300% 0.000000% 0.000000% 0.~~000000~~055869% 0.000000% 0.~~000000~~055869% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.~~137552~~207900% 0.~~068776~~138600% 0.~~000000~~069300% 0.000000% 0.~~206327~~415800% 0.~~134327~~259668% 0.~~055344~~086539% 0.~~000000~~055869% 0.000000% 0.~~189671~~402076% ~~(7) Delinquencies are stratified according to the information the Servicer has provided. All 90+ delinquencies are reported in the 90 delinquency field.~~

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group I No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 01 0 0 01 038,737.0053 0.00 0.00 038,737.0053 30 Days 10 0 0 0 10 ~~139,915~~0.1900 0.00 0.00 0.00 ~~139,915~~0.1900 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 0 1 0 0 0 1 ~~139,915.19~~ 0.00 38,737.53 0.00 0.00 ~~139~~38,~~915~~737.1953 0-29 Days 0.~~000000~~178891% 0.000000% 0.000000% 0.~~000000~~178891% 0.~~000000~~057712% 0.000000% 0.000000% 0.~~000000~~057712% 30 Days 0.~~177936~~000000% 0.000000% 0.000000% 0.000000% 0.~~177936~~000000% 0.~~206594~~000000% 0.000000% 0.000000% 0.000000% 0.~~206594~~000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.~~177936~~000000% 0.~~000000~~178891% 0.000000% 0.000000% 0.~~177936~~178891% 0.~~206594~~000000% 0.~~000000~~057712% 0.000000% 0.000000% 0.~~206594~~057712% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group II No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 01 0 0 01 0137,223.0014 0.00 0.00 0137,223.0014 30 Days 13 0 0 0 13 ~~135~~527,~~808~~988.7938 0.00 0.00 0.00 ~~135~~527,~~808~~988.7938 60 Days 0 10 0 0 10 0.00 ~~113,600~~0.00 0.00 0.00 ~~113,600~~0.00 90 Days 0 0 01 0 01 0.00 0.00 0113,600.00 0.00 0113,600.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 3 1 1 0 05 2527,988.38 ~~135~~137,~~808~~223.7914 113,600.00 0.00 ~~0.00 249~~778,~~408~~811.7952 0-29 Days 0.~~000000~~113122% 0.000000% 0.000000% 0.~~000000~~113122% 0.~~000000~~100744% 0.000000% 0.000000% 0.~~000000~~100744% 30 Days 0.~~112108~~339367% 0.000000% 0.000000% 0.000000% 0.~~112108~~339367% 0.~~098743~~387629% 0.000000% 0.000000% 0.000000% 0.~~098743~~387629% 60 Days 0.000000% 0.~~112108~~000000% 0.000000% 0.000000% 0.~~112108~~000000% 0.000000% 0.~~082595~~000000% 0.000000% 0.000000% 0.~~082595~~000000% 90 Days 0.000000% 0.000000% 0.~~000000~~113122% 0.000000% 0.~~000000~~113122% 0.000000% 0.000000% 0.~~000000~~083401% 0.000000% 0.~~000000~~083401% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.~~112108~~339367% 0.~~112108~~113122% 0.~~000000~~113122% 0.000000% 0.~~224215~~565611% 0.~~098743~~387629% 0.~~082595~~100744% 0.~~000000~~083401% 0.000000% 0.~~181338~~571773%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 0.00 Class A-2 1,158.72 0.00055869% 2,450,965.55 1.19406176% 66.055614% 0.000000% Class OC 0.00 0.00000000% 0.00 0.00000000% 1.194062% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

Class A-2 1,158.72 0.00055869% 3,330,489.15 1.63899973% 65.690386% 0.000000% Class OC 0.00 0.00000000% 0.00 0.00000000% 1.639000% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 8.~~486777~~489478% Weighted Average Net Coupon 8.~~001777~~004478% Weighted Average Pass-Through Rate 7.~~977772~~980475% Weighted Average Maturity(Stepdown Calculation ) ~~357~~356 Beginning Scheduled Collateral Loan Count 1,~~459~~454 Number Of Loans Paid In Full 511 Ending Scheduled Collateral Loan Count 1,~~454~~443 Beginning Scheduled Collateral Balance ~~206~~205,~~240~~262,~~340~~878.7964 Ending Scheduled Collateral Balance ~~205~~203,~~262~~202,~~878~~543.6498 Ending Actual Collateral Balance at 3031-~~Sep~~Oct-2002 ~~205~~203,~~262~~332,~~878~~215.6456 Monthly P &I Constant 1,~~607~~601,~~573~~629.0442 Special Servicing Fee 0.00 Prepayment Penalties 2476,~~114~~409.7182 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans ~~205~~203,~~262~~202,~~878~~543.6498 Scheduled Principal ~~148~~149,~~976~~483.5276 Unscheduled Principal ~~828~~1,~~485~~910,850.6390

Group I - Other Income 12,~~413~~754.6089 Group II - Other Income ~~(1,237~~0.~~84)~~00 Step Down Date Do Not Step Down In Effect SInce: N/A Comments: N/A Step-Up Test Not Triggered In Effect Since: N/A Comments: N/A Group I - Rolling 6 Month 60+ Delinquency 0.00 Group II - Rolling 6 Month 60+ ~~Delinquenc~~Delinquency 0.0002065% Group I - Twelve Month Loss Amount 0.00 Group II - Twelve Month Loss Amount 0.00 Group I - Cut-Off Delinquency Balance 67,~~772~~122,~~128~~365.3153 Group I - Cut-Off Delinquency Balance ~~137~~136,~~615~~209,~~719~~850.9603

Group Level Collateral Statement Group Group I Group II Total Collateral Description Fixed 30 Year Mixed ARM Mixed Fixed & Arm Weighted Average Coupon Rate 8.~~529981~~530148 8.~~465444~~469453 8.~~486777~~489478 Weighted Average Net Rate 8.~~044981~~045148 7.~~980443~~984453 8.~~001777~~004478 Weighted Average Maturity ~~306~~305 ~~357~~356 ~~357~~356 Beginning Loan Count ~~565~~562 ~~894~~892 1,~~459~~454 Loans Paid In Full 3 28 511 Ending Loan Count ~~562~~559 ~~892~~884 1,~~454~~443 Beginning Scheduled Balance 6867,~~174~~724,~~099~~569.7703 ~~138~~137,~~066~~538,~~241~~309.0261 ~~206~~205,~~240~~262,~~340~~878.7964 Ending scheduled Balance 67,~~724~~074,~~569~~116.0328 ~~137~~136,~~538~~128,~~309~~427.6170 ~~205~~203,~~262~~202,~~878~~543.6498 Record Date 0910/3031/2002 0910/3031/2002 0910/3031/2002 Principal And Interest Constant ~~544,~~541,551.9688 1,~~063~~060,~~031~~077.0854 1,~~607~~601,~~573~~629.0442 Scheduled Principal 5960,~~938~~134.8071 89,~~037~~349.7205 ~~148~~149,~~976~~483.5276 Unscheduled Principal ~~389~~590,~~591~~318.9404 ~~438~~1,~~893~~320,532.6986 ~~828~~1,~~485~~910,850.6390 Scheduled Interest ~~484~~481,~~603~~417.1617 ~~973~~970,~~993~~728.3649 1,~~458~~452,~~596~~145.5266 Servicing Fees 27,~~553~~371.6999 55,~~801~~588.8542 8382,~~355~~960.5441 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~511~~508.2801 1,~~035~~031.7367 1,~~547~~539.0168 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee ~~852~~846.3075 1,~~726~~719.2838 2,~~578~~566.5813 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 012,267.0091 024,914.0027 037,182.0018 Spread Fee 2 0110.0049 0222.0084 0333.0033 Spread Fee 3 0.00 0.00 0.00 Net Interest ~~457~~454,~~049~~045.4718 ~~918~~915,~~191~~140.5107 1,~~375~~369,~~240~~185.9825 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.00 0.00 0.00 Prepayment Penalties ~~4,377~~0.7400 ~~19,736~~0.9700 ~~24,114~~0.7100 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 8.~~020980~~021144 7.~~956437~~960450 7.~~977772~~980475

Miscellaneous Reporting Group Group I Specified Overcollaterization Amt 1,~~346~~345,~~399~~460.7287 Excess Cash Amt ~~170~~186,~~202~~285.9056 Overcollateralization Deficiency Amt 1845,~~016,292~~150.1944 Extra Principal Amt ~~170~~186,~~202~~285.9056 Overcollaterization Amt ~~500~~686,~~310~~595.4399 Group Group II Specified Overcollaterization Amt 4,854,302.90 Excess Cash Amt ~~665~~693,~~416~~238.0104 Overcollateralization Deficiency Amt 32,~~569~~903,~~063~~647.7977 Extra Principal Amt ~~665~~693,~~416~~238.0104 Overcollaterization Amt 12,~~950~~643,~~655~~893.1316

Filing Compare · ACCRED HOME LNDRS INC AC MOR LN TR 2002-1 AS BK NT SE 2002-1