8-K 1 cwt044cb_8k0409.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): September 25, 2004 CWT (Depositor) (Issuer in respect of Countrywide Alternative Loan Trust, Series 2004-4CB) (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 CWT Countrywide Alternative Loan Trust Series 2004-4CB On September 25, 2004, The Bank of New York, as Trustee for CWT, Countrywide Alternative Loan Trust Series 2004-4CB, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of February 1, 2004, among CWT as Depositor, Countrywide Home Loans Servicing LP, 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 CWT, Countrywide Alternative Loan Trust Series 2004-4CB relating to the distribution date of September 25, 2004 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of February 1, 2004. 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: September 25, 2004 CWT By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated September 25, 2004 Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans Servicing LP Countrywide Alternative Loan Trust, Series 2004-4CB ------------------------------------------------------------

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 1A1 ~~205~~202,~~134~~617,~~978~~758.6642 4.250000% 2,~~517~~989,~~220~~833.2484 ~~726~~717,~~519~~604.7256 3,~~243~~707,~~739~~438.9640 0.00 0.00 1A2 7372,~~875~~968,~~168~~642.2787 12.~~950000~~115000% ~~906~~1,~~525~~076,727.4053 ~~120~~128,~~047~~607.1523 1,~~026~~205,~~572~~334.5576 0.00 0.00 1A3 7372,~~875~~968,~~168~~642.2787 5.~~550000~~385000% 0.00 ~~341~~327,~~672~~446.6578 ~~341~~327,~~672~~446.6578 0.00 0.00 1A4 19,~~757~~515,~~888~~438.5160 5.500000% 0.00 9089,~~556~~445.9976 9089,~~556~~445.9976 0.00 0.00 1A5 2019,~~012~~913,~~190~~283.5307 5.500000% 9899,~~907~~360.4679 91,~~722~~269.5421 190,630.00 0.00 0.00 1A6 21,~~579~~678,~~809~~716.4793 5.500000% 0.00 0.00 0.00 0.00 0.00 2A1 6,~~899~~818,~~266~~373.0189 5.750000% 0.00 3332,~~058~~671.9837 3332,~~058~~671.9837 0.00 0.00 3A1 4645,~~234~~349,~~919~~551.7812 5.000000% ~~885~~1,~~368~~776,551.6635 ~~192~~188,~~645~~956.5046 1,~~078~~965,~~014~~507.1681 0.00 0.00 3A2 4,860,532.00 5.000000% 0.00 20,252.22 20,252.22 0.00 0.00 3A3 25,~~547~~105,~~725~~041.8956 12.~~950000~~115000% ~~442~~888,~~684~~275.3367 4144,~~515~~247.0564 ~~484~~932,~~199~~523.3931 0.00 0.00 3A4 25,~~547~~105,~~725~~041.8956 65.~~050000~~885000% 0.00 ~~128~~123,~~803~~119.1231 ~~128~~123,~~803~~119.1231 0.00 0.00 PO 1,~~518~~503,~~854~~508.4103 0.000000% 1513,~~346~~257.3779 0.00 1513,~~346~~257.3779 0.00 0.00 Residual AR 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M 10,~~514~~503,~~217~~400.3092 5.~~700077~~700084% 10,~~816~~886.3828 49,~~943~~891.2089 60,~~759~~778.5817 0.00 0.00 B1 4,~~250~~246,~~428~~055.2769 5.~~700077~~700084% 4,~~372~~400.5884 20,~~189~~169.8106 24,~~562~~569.3990 0.00 0.00 B2 2,~~684~~681,~~481~~719.0138 5.~~700077~~700084% 2,~~761~~779.6348 12,~~751~~738.4635 15,~~513~~517.0983 0.00 0.00 B3 2,~~013~~011,~~360~~289.7654 5.~~700077~~700084% 2,~~071~~084.2261 9,~~563~~553.5977 11,~~634~~638.8137 0.00 0.00 B4 1,~~789~~787,~~654~~812.0192 5.~~700077~~700084% 1,~~841~~852.0998 8,~~500~~492.9724 10,~~342~~345.0622 0.00 0.00 B5 1,~~119~~118,~~414~~262.1758 5.~~700077~~700084% 1,~~151~~158.1478 5,~~317~~311.2983 6,~~468~~470.4360 0.4425 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~421~~416,~~135~~345,~~734~~575.5405 - 46,~~889~~867,~~066~~169.5192 1,~~893~~869,~~060~~777.2468 68,~~782~~736,~~126~~947.7460 0.4425 - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~202~~199,~~617~~627,~~758~~924.4258 0.00 1A2 7271,~~968~~891,~~642~~915.8734 0.00 1A3 7271,~~968~~891,~~642~~915.8734 0.00 1A4 19,~~515~~227,~~438~~468.6019 0.00 1A5 19,~~913~~813,~~283~~922.0728 0.00 1A6 21,~~678~~778,~~716~~077.9372 0.00 2A1 6,~~818~~743,~~373~~782.8964 0.00 3A1 4543,~~349~~572,~~551~~999.1277 0.00 3A2 4,860,532.00 0.00 3A3 2524,~~105~~216,~~041~~765.5688 0.00 3A4 2524,~~105~~216,~~041~~765.5688 0.00 PO 1,~~503~~490,~~508~~250.0325 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M 10,~~503~~492,~~400~~514.9265 0.00 B1 4,~~246~~241,~~055~~654.6986 0.00 B2 2,~~681~~678,~~719~~939.3891 0.00 B3 2,~~011~~009,~~289~~204.5493 0.00 B4 1,~~787~~785,~~812~~959.9294 0.00 B5 1,~~118~~117,~~262~~103.5856 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~416~~409,~~345~~577,~~575~~765.0567 - --------------------------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans Servicing LP Countrywide Alternative Loan Trust, Series 2004-4CB ------------------------------------------------------------

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 1A1 ~~205~~202,~~134~~617,~~978~~758.6642 4.250000% 12667FCB9 1113.~~450654~~600540 3.~~304886~~264332 ~~921~~908.~~693650~~093110 1A2 7372,~~875~~968,~~168~~642.2787 12.~~950000~~115000% 12667FCC7 1113.~~450654~~600540 1.~~516359~~624485 ~~921~~908.~~693650~~093110 1A3 7372,~~875~~968,~~168~~642.2787 5.~~550000~~385000% 12667FCD5 0.000000 4.~~315792~~136100 ~~921~~908.~~693650~~093110 1A4 19,~~757~~515,~~888~~438.5160 5.500000% 12667FCE3 0.000000 4.~~276912~~224429 ~~921~~908.~~693674~~093134 1A5 2019,~~012~~913,~~190~~283.5307 5.500000% 12667FCF0 4.~~824754~~846868 4.~~474270~~452157 ~~971~~966.~~379662~~532794 1A6 21,~~579~~678,~~809~~716.4793 5.500000% 12667FCG8 0.000000 0.000000 1,~~027~~032.~~817036~~527865 2A1 6,~~899~~818,~~266~~373.0189 5.750000% 12667FCH6 0.000000 4.~~451030~~398843 ~~918~~907.~~019471~~976575 3A1 4645,~~234~~349,~~919~~551.7812 5.000000% 12667FCJ2 1734.~~011272~~134253 3.~~701447~~630566 ~~871~~837.~~335955~~201702 3A2 4,860,532.00 5.000000% 12667FCK9 0.000000 4.166667 1,000.000000 3A3 25,~~547~~105,~~725~~041.8956 12.~~950000~~115000% 12667FCL7 1531.~~558296~~218760 1.~~459061~~555099 ~~882~~851.~~325479~~106720 3A4 25,~~547~~105,~~725~~041.8956 65.~~050000~~885000% 12667FCM5 0.000000 4.~~526831~~327071 ~~882~~851.~~325479~~106720 PO 1,~~518~~503,~~854~~508.4103 0.000000% 12667FCN3 98.~~918699~~568798 0.000000 ~~971~~963.~~750259~~181460 Residual AR 0.00 5.500000% 12667FCP8 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M 10,~~514~~503,~~217~~400.3092 5.~~700077~~700084% 12667FCQ6 1.~~022826~~029435 4.~~722762~~717909 ~~993~~992.~~229402~~199967 B1 4,~~250~~246,~~428~~055.2769 5.~~700077~~700084% 12667FCR4 1.~~022826~~029435 4.~~722762~~717909 ~~993~~992.~~229402~~199967 B2 2,~~684~~681,~~481~~719.0138 5.~~700077~~700084% 12667FCS2 1.~~022826~~029435 4.~~722762~~717909 ~~993~~992.~~229402~~199967 B3 2,~~013~~011,~~360~~289.7654 5.~~700077~~700084% 12667FCT0 1.~~022826~~029435 4.~~722762~~717909 ~~993~~992.~~229402~~199967 B4 1,~~789~~787,~~654~~812.0192 5.~~700077~~700084% 12667FCU7 1.~~022826~~029435 4.~~722762~~717909 ~~993~~992.~~229402~~199967 B5 1,~~119~~118,~~414~~262.1758 5.~~700077~~700084% 12667FCV5 1.~~022433~~029212 4.~~722762~~717909 ~~993~~992.~~229402~~199967 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~421~~416,~~135~~345,~~734~~575.5405 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Servicing LP Countrywide Alternative Loan Trust, Series 2004-4CB ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 168,114,429.64 164,209,035.03 77,254,301.00 Loan count 1045 936 454 Avg loan rate 5.848782% 6.166395% 6.499074% Prepay amount 2,191,177.60 1,551,409.59 2,593,064.93 Total ----- Prin balance 409,577,765.67 Loan count 2435 Avg loan rate 6.10 Prepay amount 6,335,652.12 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 33,287.00 33,393.63 14,905.23 Sub servicer fees 18,254.40 22,556.41 16,681.96 Trustee fees 1,278.66 1,244.51 599.43 Agg advances N/A N/A N/A Adv this period 14,141.30 22,905.67 14,187.29 Total ----- Master serv fees 81,585.86 Sub servicer fees 57,492.77 Trustee fees 3,122.59 Agg advances N/A Adv this period 51,234.26 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 Cumulative losses 0.00 Coverage Amounts ---------------- Bankruptcy 49,918.80 49,918.80 24,959.40 Fraud 3,600,000.00 3,600,000.00 24,959.40 Special Hazard 4,163,455.75 0.00 0.00 Total ----- Bankruptcy 124,797.00 Fraud 7,224,959.40 Special Hazard 4,163,455.75 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.637479% 100.000000% 393,997,034.00 ----------------------------------------------------------------------------- Junior 5.362521% 0.000000% 22,325,377.84 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 38 6,644,148.72 60 to 89 days 6 1,007,787.67 90 or more 1 262,281.61 Foreclosure 2 294,058.27 Totals: 47 8,208,276.27 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 8,736,947.60 8,736,947.60 Principal remittance amount 6,867,169.92 6,867,169.92 Interest remittance amount 1,869,777.68 1,869,777.68

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