8-K 1 cw0228_8k0212.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): December 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 2002-15CB On December 25, 2002, The Bank of New York, as Trustee for CW, Mortgage Pass-Through Certificates Alternative Loan Trust 2002-15CB, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of September 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 2002-15CB relating to the distribution date of December 25, 2002 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of September 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: December 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 December 25, 2002 Payment Date: 12/25/02 ------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-15CB Series 2002-28 ------------------------------------------------------------

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 ~~414~~409,~~280~~526,~~007~~824.0172 6.500000% 45,~~753~~193,~~182~~958.2883 2,~~244~~218,~~016~~270.7030 67,~~997~~412,~~198~~229.9913 0.00 0.00 X ~~400~~395,~~058~~973,~~979~~424.6551 0.~~984000~~983929% 0.00 ~~328~~324,~~062~~674.6094 ~~328~~324,~~062~~674.6094 0.00 0.00 PO 1,~~272~~269,~~597~~861.5327 0.000000% 24,~~736~~587.2656 0.00 24,~~736~~587.2656 0.00 0.00 Residual AR 0.00 6.500000% 0.00 0.0036 0.0036 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 16,~~071~~059,~~215~~273.0199 6.500000% 1112,~~941~~028.0183 8786,~~052~~987.4173 9899,~~993~~016.4356 0.00 0.00 B1 5,~~739~~735,~~648~~383.3676 6.500000% 4,~~264~~295.6096 31,~~089~~066.7666 35,~~354~~362.3662 0.00 0.00 B2 4,~~591~~588,~~918~~506.2947 6.500000% 3,~~411~~436.8291 24,~~872~~854.8941 28,~~284~~291.7232 0.00 0.00 B3 5,~~510~~506,~~102~~008.3530 6.500000% 4,~~094~~124.0415 29,~~846~~824.3921 33,~~940~~948.4336 0.00 0.00 B4 2,~~984~~982,~~896~~678.5980 6.500000% 2,~~217~~234.8011 16,~~168~~156.1918 18,~~385~~390.9928 0.00 0.00 B5 2,~~984~~982,~~701~~484.7510 6.500000% 2,~~217~~233.6196 16,~~167~~155.1312 18,~~384~~389.7508 0.0400 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~453~~448,~~435~~651,~~086~~021.8942 - 45,~~784~~226,~~065~~900.4330 2,~~777~~747,~~276~~989.0892 7,~~561~~974,~~341~~890.5122 ~~0.04~~- - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior A1 ~~409~~404,~~526~~332,~~824~~865.7290 0.00 X ~~395~~391,~~973~~142,~~424~~485.5102 0.00 PO 1,~~269~~265,~~861~~273.2771 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 16,~~059~~047,~~273~~245.9917 0.00 B1 5,~~735~~731,~~383~~087.7681 0.00 B2 4,~~588~~585,~~506~~069.4755 0.00 B3 5,~~506~~501,~~008~~884.3016 0.00 B4 2,~~982~~980,~~678~~444.8069 0.00 B5 2,~~982~~980,~~484~~250.1014 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~448~~443,~~651~~424,~~021~~121.4212 - --------------------------------------------------------------------------------

Payment Date: 12/25/02 ------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-15CB Series 2002-28 ------------------------------------------------------------

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 ~~414~~409,~~280~~526,~~007~~824.0172 6.500000% 12669DDG0 1112.~~294646~~342032 5.~~332296~~271116 ~~973~~960.~~129195~~787163 X ~~400~~395,~~058~~973,~~979~~424.6551 0.~~984000~~983929% 12669DDH8 0.000000 0.~~807529~~799190 ~~974~~962.~~691789~~800393 PO 1,~~272~~269,~~597~~861.5327 0.000000% 12669DDJ4 23.~~125510~~563590 0.000000 ~~986~~982.~~419798~~856208 Residual AR 0.00 6.500000% 12669DDK1 0.000000 03.~~000000~~635228 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 16,~~071~~059,~~215~~273.0199 6.500000% 12669DDL9 0.~~741540~~746993 5.~~405975~~401958 ~~997~~996.~~284605~~537612 B1 5,~~739~~735,~~648~~383.3676 6.500000% 12669DDM7 0.~~741540~~746993 5.~~405975~~401958 ~~997~~996.~~284605~~537612 B2 4,~~591~~588,~~918~~506.2947 6.500000% 12669DDN5 0.~~741540~~746993 5.~~405975~~401958 ~~997~~996.~~284605~~537612 B3 5,~~510~~506,~~102~~008.3530 6.500000% 12669DEM6 0.~~741540~~746993 5.~~405975~~401958 ~~997~~996.~~284605~~537612 B4 2,~~984~~982,~~896~~678.5980 6.500000% 12669DEN4 0.~~741540~~746993 5.~~405975~~401958 ~~997~~996.~~284605~~537612 B5 2,~~984~~982,~~701~~484.7510 6.500000% 12669DEP9 0.~~741526~~746993 5.~~405975~~401958 ~~997~~996.~~284605~~537612 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~453~~448,~~435~~651,~~086~~021.8942 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Mortgage Pass-Through Certificates, Alternative Loan Trust 2002-15CB Series 2002-28 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 443,424,121.12 443,424,121.12 Loan count 3444 3444 Avg loan rate 7.655903% 7.66 Prepay amount 4,890,566.48 4,890,566.48 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 89,253.80 89,253.80 Sub servicer fees 17,533.90 17,533.90 Trustee fees 3,364.88 3,364.88 Agg advances N/A N/A Adv this period 145,785.90 145,785.90 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 214,575.00 214,575.00 Fraud 9,381,597.00 9,381,597.00 Special Hazard 4,486,510.21 4,486,510.21 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 91.568419% 100.000000% 410,796,686.00 ----------------------------------------------------------------------------- Junior 8.431581% 0.000000% 37,825,981.52 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 130 14,310,237.77 60 to 89 days 29 3,692,305.42 90 or more 9 1,118,322.44 Foreclosure 3 337,943.79 Totals: 171 19,458,809.42 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 7,974,890.22 7,974,890.22 Principal remittance amount 5,226,900.30 5,226,900.30 Interest remittance amount 2,747,989.92 2,747,989.92

Filing Compare · CWMBS INC MORTGAGE PASS THROUGH CERTIFICATES SERIES 2002-28