8-K 1 cw0215_8k0211.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): November 25, 2002 CW (Depositor) (Issuer in respect of Mortgage Pass-Through Certificates, Alternative Loan Trust (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) Item 5. Other Events CW Mortgage Pass-Through Certificates Alternative Loan Trust 2002-10 On November 25, 2002, The Bank of New York, as Trustee for CW, Mortgage Pass-Through Certificates Alternative Loan Trust 2002-10, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of July 1, 2002, among CW as Depositor, Countrywide Home Loans, Seller and Master Servicer and The Bank of New York, as Trustee. Item 7. Financial Statements and Exhibits (c) Exhibits Exhibit No. Description 99 Report to Holders of CW, Mortgage Pass-Through Certificates Alternative Loan Trust 2002-10 relating to the distribution date of November 25, 2002 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of July 1, 2002. 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: November 25, 2002 CW By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated November 25, 2002 Payment Date: 11/25/02 ------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-10 Series 2002-15 ------------------------------------------------------------

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 ~~280~~269,~~206~~044,~~653~~441.8072 6.500000% 1115,~~162~~870,~~212~~372.0833 1,~~517~~457,~~786~~324.0406 1217,~~679~~327,~~998~~696.1239 0.00 0.00 A2 1,000,000.00 6.250000% 0.00 5,208.33 5,208.33 0.00 0.00 A3 1,000,000.00 6.750000% 0.00 5,625.00 5,625.00 0.00 0.00 A4 1,500,000.00 6.000000% 0.00 7,500.00 7,500.00 0.00 0.00 A5 2,500,000.00 6.250000% 0.00 13,020.83 13,020.83 0.00 0.00 A6 1,250,000.00 7.000000% 0.00 7,291.67 7,291.67 0.00 0.00 A7 1,000,000.00 7.250000% 0.00 6,041.67 6,041.67 0.00 0.00 A8 1,500,000.00 6.250000% 0.00 7,812.50 7,812.50 0.00 0.00 A9 1,500,000.00 6.750000% 0.00 8,437.50 8,437.50 0.00 0.00 A10 4,057,000.00 6.500000% 0.00 21,975.42 21,975.42 0.00 0.00 A11 3735,~~039~~799,~~294~~049.8708 2.~~413750~~430000% 1,~~240~~763,~~245~~374.7970 7472,~~503~~493.0007 1,~~314~~835,~~748~~867.78 0.00 0.00 A12 3735,~~039~~799,~~294~~049.8708 6.~~586250~~570000% 0.00 ~~203~~195,~~291~~999.7179 ~~203~~195,~~291~~999.7179 0.00 0.00 A13 37,840,000.00 6.500000% 0.00 204,966.67 204,966.67 0.00 0.00 PO 2,~~530~~462,~~310~~145.4661 0.000000% 6888,~~164~~065.8576 0.00 6888,~~164~~065.8576 0.00 0.00 Residual AR 0.00 6.750000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 8,~~977~~970,~~309~~168.4974 6.750000% 7,~~140~~069.7543 50,~~497~~457.3720 57,~~638~~526.1263 0.00 0.00 B1 3,~~391~~388,~~428~~730.0341 6.750000% 2,~~697~~670.6267 19,~~076~~061.7861 21,~~774~~732.4028 0.00 0.00 B2 2,~~593~~591,~~444~~382.9608 6.750000% 2,~~062~~042.8828 14,~~588~~576.1352 16,~~651~~618.0180 0.00 0.00 B3 1,~~396~~395,~~470~~359.3758 6.750000% 1,~~110~~099.7869 7,~~855~~848.1590 8,~~965~~948.9359 0.00 0.00 B4 1,~~396~~395,~~470~~359.3758 6.750000% 1,~~110~~099.7869 7,~~855~~848.1590 8,~~965~~948.9359 0.00 0.00 B5 1,~~197~~196,~~240~~288.8452 6.750000% ~~952~~942.3180 6,~~734~~729.4812 7,~~686~~671.7992 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~391~~379,~~875~~389,~~623~~925.1733 - 1217,~~485~~736,~~697~~737.8436 2,~~190~~120,~~067~~218.3876 1419,~~675~~856,~~765~~956.2212 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior A1 ~~269~~253,~~044~~174,~~441~~069.7239 0.00 A2 1,000,000.00 0.00 A3 1,000,000.00 0.00 A4 1,500,000.00 0.00 A5 2,500,000.00 0.00 A6 1,250,000.00 0.00 A7 1,000,000.00 0.00 A8 1,500,000.00 0.00 A9 1,500,000.00 0.00 A10 4,057,000.00 0.00 A11 3534,~~799~~035,~~049~~674.0838 0.00 A12 3534,~~799~~035,~~049~~674.0838 0.00 A13 37,840,000.00 0.00 PO 2,~~462~~374,~~145~~079.6185 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 8,~~970~~963,~~168~~099.7431 0.00 B1 3,~~388~~386,~~730~~059.4174 0.00 B2 2,~~591~~589,~~382~~339.0880 0.00 B3 1,~~395~~394,~~359~~259.5889 0.00 B4 1,~~395~~394,~~359~~259.5889 0.00 B5 1,~~196~~195,~~288~~345.5272 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~379~~361,~~389~~653,~~925~~187.3397 - --------------------------------------------------------------------------------

Payment Date: 11/25/02 ------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-10 Series 2002-15 ------------------------------------------------------------

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 ~~280~~269,~~206~~044,~~653~~441.8072 6.500000% 12669CX70 3855.~~837446~~218869 5.~~280937~~070567 ~~936~~880.~~104679~~885810 A2 1,000,000.00 6.250000% 12669CX88 0.000000 5.208333 1,000.000000 A3 1,000,000.00 6.750000% 12669CX96 0.000000 5.625000 1,000.000000 A4 1,500,000.00 6.000000% 12669CY20 0.000000 5.000000 1,000.000000 A5 2,500,000.00 6.250000% 12669CY38 0.000000 5.208333 1,000.000000 A6 1,250,000.00 7.000000% 12669CY46 0.000000 5.833333 1,000.000000 A7 1,000,000.00 7.250000% 12669CY53 0.000000 6.041667 1,000.000000 A8 1,500,000.00 6.250000% 12669CY61 0.000000 5.208333 1,000.000000 A9 1,500,000.00 6.750000% 12669CY79 0.000000 5.625000 1,000.000000 A10 4,057,000.00 6.500000% 12669CY87 0.000000 5.416667 1,000.000000 A11 3735,~~039~~799,~~294~~049.8708 2.~~413750~~430000% 12669CY95 3246.~~776485~~601427 1.~~968921~~915804 ~~946~~899.~~076166~~474739 A12 3735,~~039~~799,~~294~~049.8708 6.~~586250~~570000% 12669CZ29 0.000000 5.~~372474~~179767 ~~946~~899.~~076166~~474739 A13 37,840,000.00 6.500000% 12669CZ37 0.000000 5.416667 1,000.000000 PO 2,~~530~~462,~~310~~145.4661 0.000000% 12669CZ45 2633.~~170615~~811197 0.000000 ~~945~~911.~~294606~~483409 Residual AR 0.00 6.750000% 12669CZ52 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 8,~~977~~970,~~309~~168.4974 6.750000% 12669CZ60 0.~~793417~~785492 5.~~610818~~606355 ~~996~~995.~~685416~~899923 B1 3,~~391~~388,~~428~~730.0341 6.750000% 12669CZ78 0.~~793417~~785492 5.~~610818~~606355 ~~996~~995.~~685416~~899923 B2 2,~~593~~591,~~444~~382.9608 6.750000% 12669CZ86 0.~~793417~~785492 5.~~610818~~606355 ~~996~~995.~~685416~~899923 B3 1,~~396~~395,~~470~~359.3758 6.750000% 12669CZ94 0.~~793417~~785492 5.~~610818~~606355 ~~996~~995.~~685416~~899923 B4 1,~~396~~395,~~470~~359.3758 6.750000% 12669C2A7 0.~~793417~~785492 5.~~610818~~606355 ~~996~~995.~~685416~~899923 B5 1,~~197~~196,~~240~~288.8452 6.750000% 12669C2B5 0.~~793417~~785492 5.~~610818~~606355 ~~996~~995.~~685416~~899923 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~391~~379,~~875~~389,~~623~~925.1733 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-10 Series 2002-15 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 361,653,187.97 361,653,187.97 Loan count 887 887 Avg loan rate 7.286073% 7.29 Prepay amount 17,437,511.30 17,437,511.30 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 65,300.12 65,300.12 Sub servicer fees 101,448.46 101,448.46 Trustee fees 2,845.42 2,845.42 Agg advances N/A N/A Adv this period 56,909.10 56,909.10 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 127,308.61 127,308.61 Fraud 4,000,000.00 4,000,000.00 Special Hazard 3,986,289.84 3,986,289.84 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 95.012227% 100.000000% 360,452,636.41 ----------------------------------------------------------------------------- Junior 4.987773% 0.000000% 18,922,364.35 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 17 5,457,367.71 60 to 89 days 2 581,889.21 90 or more 0 0.00 Foreclosure 2 855,057.34 Totals: 21 6,894,314.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 19,856,956.12 19,856,956.12 Principal remittance amount 17,736,737.36 17,736,737.36 Interest remittance amount 2,120,218.76 2,120,218.76

Filing Compare · CWMBS INC MORT PASS THROUGH CERTIFICATES SERIES 2002 15