8-K 1 hma04004_nov.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 26, 2004 HOMESTAR MORTGAGE ACCEPTANCE CORP. Asset Backed Pass-Through Certificates, Series 2004-4 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-116235-02 54-6636545 Pooling and Servicing Agreement) (Commission 54-6636546 (State or other File Number) 54-6636547 jurisdiction 54-6636548 of Incorporation) IRS EIN c/o Wells Fargo Bank, 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) 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 (see General Instruction A.2. below): [ ] 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)) ITEM 8.01 Other Events On November 26, 2004 a distribution was made to holders of HOMESTAR MORTGAGE ACCEPTANCE CORP., Asset Backed Pass-Through Certificates, Series 2004-4 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-4 Trust, relating to the November 26, 2004 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. HOMESTAR MORTGAGE ACCEPTANCE CORP. Asset Backed Pass-Through Certificates, Series 2004-4 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 12/2/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-4 Trust, relating to the November 26, 2004 distribution. EX-99.1

Homestar Mortgage Acceptance Corp Mortgage Pass-Through Certificates Record Date: 810/31/2004 Distribution Date: 911/2726/2004 HMAC Series: 2004-4 Contact: Customer Service - CTSLink Wells Fargo Bank, 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 437690BE9 SEN 12.~~79000~~12250% ~~136~~127,~~121~~105,~~000~~224.0047 ~~277~~239,~~497~~805.7819 34,~~314~~250,~~013~~388.7559 A-2 437690BF6 SEN 12.~~98000~~31250% 100,000,000.00 ~~225~~205,~~500~~555.0056 0.00 A-3 437690BG4 SEN 2.~~15000~~48250% 134,015,000.00 ~~328~~295,~~150~~726.6243 0.00 M-1 437690BH2 MEZ 2.~~22000~~55250% 14,559,000.00 3633,~~810~~032.0175 0.00 M-2 437690BJ8 MEZ 2.~~35000~~68250% 4,511,000.00 1210,~~073~~756.1923 0.00 M-3 437690BK5 MEZ 3.~~05000~~38250% 6,562,000.00 2219,~~793~~729.8475 0.00 M-4 437690BL3 MEZ 3.~~20000~~53250% 3,486,000.00 1210,~~704~~946.5304 0.00 M-5 437690BM1 MEZ 3.~~50000~~83250% 3,486,000.00 1311,~~895~~875.5864 0.00 M-6 437690BN9 MEZ 34.~~70000~~03250% 2,461,000.00 108,~~370~~821.3832 0.00 M-7 437690BP4 MEZ 5.~~60000~~93250% 2,461,000.00 1512,~~695~~977.7167 0.00 C HMA04004C OC 0.00000% 2,~~463~~460,~~224~~651.6195 ~~981~~1,~~393~~013,449.7257 ~~2,572~~0.6600 P HMA04004P PrePay 0.00000% 100.00 3332,~~567~~720.5002 0.00 R HMA0404R1 RES 0.00000% 0.00 0.00 0.00 R-X HMA0404RX RES 0.00000% 0.00 0.00 0.00 Totals ~~410~~401,~~125~~106,~~324~~976.6142 1,~~970~~895,~~452~~396.8617 34,~~316~~250,~~586~~388.4159

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1 0.00 ~~132~~122,~~806~~854,~~986~~835.2588 34,~~591~~490,~~511~~193.5378 0.00 A-2 0.00 100,000,000.00 ~~225~~205,~~500~~555.0056 0.00 A-3 0.00 134,015,000.00 ~~328~~295,~~150~~726.6243 0.00 M-1 0.00 14,559,000.00 3633,~~810~~032.0175 0.00 M-2 0.00 4,511,000.00 1210,~~073~~756.1923 0.00 M-3 0.00 6,562,000.00 2219,~~793~~729.8475 0.00 M-4 0.00 3,486,000.00 1210,~~704~~946.5304 0.00 M-5 0.00 3,486,000.00 1311,~~895~~875.5864 0.00 M-6 0.00 2,461,000.00 108,~~370~~821.3832 0.00 M-7 0.00 2,461,000.00 1512,~~695~~977.7167 0.00 C 0.00 2,460,651.95 ~~983~~1,~~966~~013,449.3857 0.00 P 0.00 100.00 3332,~~567~~720.5002 0.00 R 0.00 0.00 0.00 0.00 R-X 0.00 0.00 0.00 0.00 Totals 0.00 ~~406~~396,~~808~~856,~~738~~587.2083 56,~~287~~145,~~039~~784.2776 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-1 136,121,000.00 ~~136~~127,~~121~~105,~~000~~224.0047 0.00 34,~~314~~250,~~013~~388.7559 0.00 0.00 A-2 100,000,000.00 100,000,000.00 0.00 0.00 0.00 0.00 A-3 134,015,000.00 134,015,000.00 0.00 0.00 0.00 0.00 M-1 14,559,000.00 14,559,000.00 0.00 0.00 0.00 0.00 M-2 4,511,000.00 4,511,000.00 0.00 0.00 0.00 0.00 M-3 6,562,000.00 6,562,000.00 0.00 0.00 0.00 0.00 M-4 3,486,000.00 3,486,000.00 0.00 0.00 0.00 0.00 M-5 3,486,000.00 3,486,000.00 0.00 0.00 0.00 0.00 M-6 2,461,000.00 2,461,000.00 0.00 0.00 0.00 0.00 M-7 2,461,000.00 2,461,000.00 0.00 0.00 0.00 0.00 C 2,463,224.61 2,~~463~~460,~~224~~651.6195 0.00 ~~2,572~~0.6600 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R 0.00 0.00 0.00 0.00 0.00 0.00 R-X 0.00 0.00 0.00 0.00 0.00 0.00 Totals 410,125,324.61 ~~410~~401,~~125~~106,~~324~~976.6142 0.00 34,~~316~~250,~~586~~388.4159 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 34,~~314~~250,~~013~~388.7559 ~~132~~122,~~806~~854,~~986~~835.2588 0.~~97565391~~90254139 34,~~314~~250,~~013~~388.7559 A-2 0.00 100,000,000.00 1.00000000 0.00 A-3 0.00 134,015,000.00 1.00000000 0.00 M-1 0.00 14,559,000.00 1.00000000 0.00 M-2 0.00 4,511,000.00 1.00000000 0.00 M-3 0.00 6,562,000.00 1.00000000 0.00 M-4 0.00 3,486,000.00 1.00000000 0.00 M-5 0.00 3,486,000.00 1.00000000 0.00 M-6 0.00 2,461,000.00 1.00000000 0.00 M-7 0.00 2,461,000.00 1.00000000 0.00 C ~~2,572~~0.6600 2,460,651.95 0.99895557 ~~2,572~~0.6600 P 0.00 100.00 1.00000000 0.00 R 0.00 0.00 0.00000000 0.00 R-X 0.00 0.00 0.00000000 0.00 Totals 34,~~316~~250,~~586~~388.4159 ~~406~~396,~~808~~856,~~738~~587.2083 0.~~99191324~~96764712 34,~~316~~250,~~586~~388.4159

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1 136,121,000.00 ~~1000~~933.~~00000000~~76646124 0.00000000 2431.~~34608730~~22507615 0.00000000 A-2 100,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 A-3 134,015,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-1 14,559,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 4,511,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-3 6,562,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-4 3,486,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-5 3,486,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-6 2,461,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-7 2,461,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 C 2,463,224.61 ~~1000~~998.~~00000000~~95557231 0.00000000 10.~~04442769~~00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R-X 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are per $1,000 denomination.

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 2431.~~34608730~~22507615 ~~975~~902.~~65391270~~54138509 0.~~97565391~~90254139 2431.~~34608730~~22507615 A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 C 0.00000000 10.~~04442769~~00000000 998.95557231 0.99895557 10.~~04442769~~00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-X 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, 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-1 136,121,000.00 12.~~79000~~12250% ~~136~~127,~~121~~105,~~000~~224.0047 ~~277~~239,~~497~~805.7819 0.00 0.00 A-2 100,000,000.00 12.~~98000~~31250% 100,000,000.00 ~~225~~205,~~500~~555.0056 0.00 0.00 A-3 134,015,000.00 2.~~15000~~48250% 134,015,000.00 ~~328~~295,~~150~~726.6243 0.00 0.00 M-1 14,559,000.00 2.~~22000~~55250% 14,559,000.00 3633,~~810~~032.0175 0.00 0.00 M-2 4,511,000.00 2.~~35000~~68250% 4,511,000.00 1210,~~073~~756.1923 0.00 0.00 M-3 6,562,000.00 3.~~05000~~38250% 6,562,000.00 2219,~~793~~729.8475 0.00 0.00 M-4 3,486,000.00 3.~~20000~~53250% 3,486,000.00 1210,~~704~~946.5304 0.00 0.00 M-5 3,486,000.00 3.~~50000~~83250% 3,486,000.00 1311,~~895~~875.5864 0.00 0.00 M-6 2,461,000.00 34.~~70000~~03250% 2,461,000.00 108,~~370~~821.3832 0.00 0.00 M-7 2,461,000.00 5.~~60000~~93250% 2,461,000.00 1512,~~695~~977.7167 0.00 0.00 C 2,463,224.61 0.00000% 2,~~463~~460,~~224~~651.6195 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R 0.00 0.00000% 0.00 0.00 0.00 0.00 R-X 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 410,125,324.61 ~~955~~849,~~491~~226.6458 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 ~~277~~239,~~497~~805.7819 0.00 ~~132~~122,~~806~~854,~~986~~835.2588 A-2 0.00 0.00 ~~225~~205,~~500~~555.0056 0.00 100,000,000.00 A-3 0.00 0.00 ~~328~~295,~~150~~726.6243 0.00 134,015,000.00 M-1 0.00 0.00 3633,~~810~~032.0175 0.00 14,559,000.00 M-2 0.00 0.00 1210,~~073~~756.1923 0.00 4,511,000.00 M-3 0.00 0.00 2219,~~793~~729.8475 0.00 6,562,000.00 M-4 0.00 0.00 1210,~~704~~946.5304 0.00 3,486,000.00 M-5 0.00 0.00 1311,~~895~~875.5864 0.00 3,486,000.00 M-6 0.00 0.00 108,~~370~~821.3832 0.00 2,461,000.00 M-7 0.00 0.00 1512,~~695~~977.7167 0.00 2,461,000.00 C 0.00 0.00 ~~981~~1,~~393~~013,449.7257 0.00 2,460,651.95 P 0.00 0.00 3332,~~567~~720.5002 0.00 100.00 R 0.00 0.00 0.00 0.00 0.00 R-X 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 1,~~970~~895,~~452~~396.8617 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, 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-1 136,121,000.00 12.~~79000~~12250% ~~1000~~933.~~00000000~~76646124 21.~~03861109~~76170606 0.00000000 0.00000000 A-2 100,000,000.00 12.~~98000~~31250% 1000.00000000 2.~~25500000~~05555560 0.00000000 0.00000000 A-3 134,015,000.00 2.~~15000~~48250% 1000.00000000 2.~~44861113~~20666664 0.00000000 0.00000000 M-1 14,559,000.00 2.~~22000~~55250% 1000.00000000 2.~~52833368~~26888866 0.00000000 0.00000000 M-2 4,511,000.00 2.~~35000~~68250% 1000.00000000 2.~~67638883~~38444469 0.00000000 0.00000000 M-3 6,562,000.00 3.~~05000~~38250% 1000.00000000 3.~~47361170~~00666717 0.00000000 0.00000000 M-4 3,486,000.00 3.~~20000~~53250% 1000.00000000 3.~~64444349~~14000000 0.00000000 0.00000000 M-5 3,486,000.00 3.~~50000~~83250% 1000.00000000 3.~~98611015~~40666667 0.00000000 0.00000000 M-6 2,461,000.00 34.~~70000~~03250% 1000.00000000 43.~~21388866~~58444535 0.00000000 0.00000000 M-7 2,461,000.00 5.~~60000~~93250% 1000.00000000 65.~~37777733~~27333198 0.00000000 0.00000000 C 2,463,224.61 0.00000% ~~1000~~998.~~00000000~~95557231 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R-X 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All classes are per $1,000 denomination.

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 21.~~03861109~~76170606 0.00000000 ~~975~~902.~~65391270~~54138509 A-2 0.00000000 0.00000000 2.~~25500000~~05555560 0.00000000 1000.00000000 A-3 0.00000000 0.00000000 2.~~44861113~~20666664 0.00000000 1000.00000000 M-1 0.00000000 0.00000000 2.~~52833368~~26888866 0.00000000 1000.00000000 M-2 0.00000000 0.00000000 2.~~67638883~~38444469 0.00000000 1000.00000000 M-3 0.00000000 0.00000000 3.~~47361170~~00666717 0.00000000 1000.00000000 M-4 0.00000000 0.00000000 3.~~64444349~~14000000 0.00000000 1000.00000000 M-5 0.00000000 0.00000000 3.~~98611015~~40666667 0.00000000 1000.00000000 M-6 0.00000000 0.00000000 43.~~21388866~~58444535 0.00000000 1000.00000000 M-7 0.00000000 0.00000000 65.~~37777733~~27333198 0.00000000 1000.00000000 C 0.00000000 0.00000000 ~~398~~411.~~41828310~~43205775 0.00000000 998.95557231 P 0.00000000 0.00000000 ~~335675~~327200.~~00000000~~20000000 0.00000000 1000.00000000 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-X 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 56,~~353~~216,~~507~~686.6979 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 011,973.0022 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 3332,~~567~~720.5002 Total Deposits 56,~~387~~261,~~075~~380.1903 Withdrawals Reimbursement for Servicer Advances 01,728.0074 Payment of Service Fee ~~100~~113,~~035~~866.9253 Payment of Interest and Principal 56,~~287~~145,~~039~~784.2776 Total Withdrawals (Pool Distribution Amount) 56,~~387~~261,~~075~~380.1903 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 9593,~~763~~805.7876 LPMI Fee 15,882.57 Master Service Fee 4,~~272~~178.1420 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~100~~113,~~035~~866.9253

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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 09 0 0 0 09 02,171,702.0022 0.00 0.00 0.00 02,171,702.0022 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 09 0 0 0 09 02,171,702.0022 0.00 0.00 0.00 02,171,702.0022 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% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~000000~~495868% 0.000000% 0.000000% 0.000000% 0.~~000000~~495868% 0.~~000000~~547061% 0.000000% 0.000000% 0.000000% 0.~~000000~~547061% 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.~~000000~~495868% 0.000000% 0.000000% 0.000000% 0.~~000000~~495868% 0.~~000000~~547061% 0.000000% 0.000000% 0.000000% 0.~~000000~~547061% (7) Delinquencies are stratified according to the information the Servicer has provided. All 90+ ~~delinquencies~~deliquencies are ~~repording~~reported in the 90 day

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 11,973.22 Class M-1 25,430,324.61 6.20062134% 25,427,751.95 6.40728987% 3.668580% 0.000000% Class M-2 20,919,324.61 5.10071392% 20,916,751.95 5.27060721% 1.136683% 0.000000% Class M-3 14,357,324.61 3.50071557% 14,354,751.95 3.61711318% 1.653494% 0.000000% Class M-4 10,871,324.61 2.65073169% 10,868,751.95 2.73871023% 0.878403% 0.000000% Class C 100.00 0.00002438% 100.00 0.00002520% 0.620036% 0.000000% Class P 0.00 0.00000000% 0.00 0.00000000% 0.000025% 0.000000% Class R-I 0.00 0.00000000% 0.00 0.00000000% 0.000000% 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 5.~~959853~~960577% Weighted Average Net Coupon 5.~~679654~~679936% Weighted Average Pass-Through Rate 5.~~667154~~619920% Weighted Average Maturity(Stepdown Calculation ) ~~352~~350 Beginning Scheduled Collateral Loan Count 1,~~863~~833 Number Of Loans Paid In Full 018 Ending Scheduled Collateral Loan Count 1,~~863~~815 Beginning Scheduled Collateral Balance ~~410~~401,~~125~~106,~~424~~976.6142 Ending Scheduled Collateral Balance ~~400~~396,~~835~~856,~~468~~587.3583 Ending Actual Collateral Balance at 31-~~Aug~~Oct-2004 ~~400~~396,~~956~~976,~~573~~445.6681 Monthly P &I Constant 2,~~185~~137,~~495~~010.2426 Special Servicing Fee 0.00 Prepayment Penalties 3332,~~567~~720.5002 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal ~~148~~144,~~589~~652.7285 Unscheduled Principal 234,~~611~~105,735.1474

Other Income 0(15,815.0011)

Miscellaneous Reporting General Excess Available Amt ~~985~~1,~~466~~013,448.9582 Excess Overcollateralization Amt ~~2,572~~0.6600 Extra Principal Distribution Amt 0.00 Overcollateralization Amt 2,460,751.95 Overcollateralization Deficit Amt 0.00 Overcollateralization Release Amt ~~2,572~~0.6600 Specified Overcollateralization Amt 2,460,751.95 Overcollateralization Increase Amt 0.00 Stepdown Date 0.00 Trigger Event 0.00

Group Level Collateral Statement Group Group 1 Group 2 Total Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Mixed Fixed & Arm Weighted Average Coupon Rate 6.~~872099~~868643 5.~~662005~~658747 5.~~959853~~960577 Weighted Average Net Rate 6.~~545629~~542353 5.~~396914~~393279 5.~~679654~~679936 Weighted Average Maturity ~~325~~323 ~~357~~355 ~~352~~350 Beginning Loan Count ~~724~~713 1,~~139~~120 1,~~863~~833 Loans Paid In Full 06 012 018 Ending Loan Count ~~724~~707 1,~~139~~108 1,~~863~~815 Beginning Scheduled Balance 100,~~946~~063,~~690~~270.8943 ~~309~~301,~~178~~043,~~633~~705.7299 ~~410~~401,~~125~~106,~~324~~976.6142 Ending scheduled Balance ~~100~~99,~~493~~102,~~465~~874.8284 ~~300~~297,~~342~~753,~~002~~712.5399 ~~400~~396,~~835~~856,~~468~~587.3583 Record Date 0810/31/2004 0810/31/2004 0810/31/2004 Principal And Interest Constant ~~662~~655,~~157~~267.5427 1,~~523~~481,~~337~~742.7099 2,~~185~~137,~~495~~010.2426 Scheduled Principal 8482,~~061~~518.2022 6462,~~528~~134.5263 ~~148~~144,~~589~~652.7285 Unscheduled Principal 9877,~~809~~877.7737 133,~~801~~227,858.37 234,~~611~~105,735.1474 Scheduled Interest ~~578~~572,~~096~~749.3405 1,~~458~~419,~~824~~608.4336 21,~~036~~992,~~920~~357.7741 Servicing Fees 27,~~463~~207.3699 6866,~~300~~597.4277 9593,~~763~~805.7876 Master Servicing Fees 1,~~051~~042.5333 3,~~220~~135.6187 4,~~272~~178.1420 Trustee Fee 0.00 0.00 0.00 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 015,882.0057 015,882.0057 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest ~~549~~545,~~581~~541.3111 1,~~387~~337,~~302~~127.93 1,~~936~~882,~~884~~669.2404 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 6.~~533129~~529853 5.~~384414~~317469 5.~~667154~~619920

Filing Compare · HOMESTAR MORTGAGE ACCEPTANCE CORP ASSET-BACKED PASS-THROUGH CERTIFICATES, SERIES 2004-4