8-K 1 cwt04j5_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 CHL Mortgage Pass-Through Certificates, Series 2004-J5) (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 CHL Mortgage Pass-Through Certificates Series 2004-J5 On September 25, 2004, The Bank of New York, as Trustee for CWT, CHL Mortgage Pass-Through Certificates Series 2004-J5, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of June 1, 2004, among CWT 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 CWT, CHL Mortgage Pass-Through Certificates Series 2004-J5 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 June 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 CHL Mortgage Pass-Through Certificates, Series 2004-J5 Alternative Loan Trust 2004-J5 ------------------------------------------------------------

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 ~~105~~98,~~962~~918,~~870~~799.5099 1.~~640000~~805000% 7,~~044~~188,~~070~~793.5148 ~~144~~163,~~815~~669.9240 7,~~188~~352,~~886~~462.4388 0.00 0.00 1A2 8,394,000.00 4.328000% 0.00 30,274.36 30,274.36 0.00 0.00 1A3 59,873,000.00 5.158000% 0.00 257,354.11 257,354.11 0.00 0.00 1A4 10,000,000.00 5.927000% 0.00 49,391.67 49,391.67 0.00 0.00 1A5 38,763,000.00 6.000000% 0.00 193,815.00 193,815.00 0.00 0.00 1A6 25,455,000.00 5.687000% 0.00 120,635.49 120,635.49 0.00 0.00 1IO ~~249~~231,~~956~~400,~~700~~134.9300 0.750000% 0.00 ~~156~~144,~~222~~625.9408 ~~156~~144,~~222~~625.9408 0.00 0.00 2A1 ~~306~~298,~~563~~728,~~108~~114.8168 1.~~790000~~955000% 78,~~834~~345,~~994~~892.1330 ~~457~~535,~~289~~345.9768 8,~~292~~881,~~284~~237.1098 0.00 0.00 2A2 4441,~~028~~256,~~558~~830.3657 1.~~640000~~805000% 2,~~771~~952,~~727~~464.7945 6068,~~172~~262.3686 23,~~831~~020,~~900~~727.1531 0.00 0.00 2A3 64,422,000.00 12.~~950000~~115000% 0.00 ~~104~~124,~~685~~898.7515 ~~104~~124,~~685~~898.7515 0.00 0.00 2A4 21,~~951~~390,~~378~~356.9302 12.~~950000~~115000% ~~561~~597,~~022~~605.9065 3541,~~670~~470.9955 ~~596~~639,~~693~~076.8920 0.00 0.00 2IO ~~435~~403,~~330~~218,~~740~~324.5022 0.750000% 0.00 ~~272~~252,~~081~~011.7145 ~~272~~252,~~081~~011.7145 0.00 0.00 C ~~727~~709,~~981~~770,~~916~~101.5926 0.000000% 0.00 1,~~386~~180,~~953~~094.3053 1,~~386~~180,~~953~~094.3053 0.00 0.00 P 0.00 0.000000% 0.00 234,~~763~~276.5764 234,~~763~~276.5764 0.00 0.00 Residual AR 0.00 0.000000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate M1 16,287,000.00 2.~~050000~~215000% 0.00 2733,~~823~~069.6240 2733,~~823~~069.6240 0.00 0.00 M2 15,176,000.00 2.~~550000~~715000% 0.00 3237,~~249~~769.0027 3237,~~249~~769.0027 0.00 0.00 B 11,106,000.00 3.~~600000~~765000% 0.00 3338,~~318~~329.0058 3338,~~318~~329.0058 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~727~~709,~~981~~770,~~916~~101.5926 - 1819,~~211~~084,~~815~~755.3388 3,~~386~~275,~~517~~293.7723 2122,~~598~~360,~~333~~049.1011 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 9891,~~918~~730,~~799~~006.9951 0.00 1A2 8,394,000.00 0.00 1A3 59,873,000.00 0.00 1A4 10,000,000.00 0.00 1A5 38,763,000.00 0.00 1A6 25,455,000.00 0.00 1IO ~~231~~214,~~400~~220,~~134~~098.0042 0.00 2A1 ~~298~~290,~~728~~382,~~114~~222.6837 0.00 2A2 4138,~~256~~304,~~830~~366.5712 0.00 2A3 64,422,000.00 0.00 2A4 2120,~~390~~792,~~356~~750.0238 0.00 2IO ~~403~~373,~~218~~474,~~324~~220.2255 0.00 C ~~709~~690,~~770~~685,~~101~~345.2638 0.00 P 0.00 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate M1 16,287,000.00 0.00 M2 15,176,000.00 0.00 B 11,106,000.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~709~~690,~~770~~685,~~101~~345.2638 - --------------------------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J5 Alternative Loan Trust 2004-J5 ------------------------------------------------------------

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 ~~105~~98,~~962~~918,~~870~~799.5099 1.~~640000~~805000% 12667FLB9 6264.~~855325~~146710 1.~~292215~~460447 ~~882~~818.~~667666~~520956 1A2 8,394,000.00 4.328000% 12667FLC7 0.000000 3.606667 1,000.000000 1A3 59,873,000.00 5.158000% 12667FLD5 0.000000 4.298333 1,000.000000 1A4 10,000,000.00 5.927000% 12667FLE3 0.000000 4.939167 1,000.000000 1A5 38,763,000.00 6.000000% 12667FLF0 0.000000 5.000000 1,000.000000 1A6 25,455,000.00 5.687000% 12667FLG8 0.000000 4.739167 1,000.000000 1IO ~~249~~231,~~956~~400,~~700~~134.9300 0.750000% 12667FLH6 0.000000 0.~~578603~~535648 ~~857~~793.~~037533~~407772 2A1 ~~306~~298,~~563~~728,~~108~~114.8168 1.~~790000~~955000% 12667FLJ2 2526.~~197525~~840586 1.~~470655~~721684 ~~960~~933.~~716642~~876056 2A2 4441,~~028~~256,~~558~~830.3657 1.~~640000~~805000% 12667FLS2 6064.~~812844~~778280 1.~~320206~~497715 ~~905~~840.~~191772~~413492 2A3 64,422,000.00 12.~~950000~~115000% 12667FNG6 0.000000 1.~~625000~~938750 1,000.000000 2A4 21,~~951~~390,~~378~~356.9302 12.~~950000~~115000% 12667FNH4 2526.~~197525~~840586 1.~~602111~~862589 ~~960~~933.~~716642~~876056 2IO ~~435~~403,~~330~~218,~~740~~324.5022 0.750000% 12667FLK9 0.000000 0.~~578897~~536195 ~~857~~794.~~911328~~626001 C ~~727~~709,~~981~~770,~~916~~101.5926 0.000000% 12667FLP8 0.000000 1.~~873424~~594010 ~~958~~932.~~720146~~941461 P 0.00 0.000000% 12667FLQ6 0.000000 0.000000 0.000000 Residual AR 0.00 0.000000% 12667FLR4 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M1 16,287,000.00 2.~~050000~~215000% 12667FLL7 0.000000 12.~~708333~~030417 1,000.000000 M2 15,176,000.00 2.~~550000~~715000% 12667FLM5 0.000000 2.~~125000~~488750 1,000.000000 B 11,106,000.00 3.~~600000~~765000% 12667FLN3 0.000000 3.~~000000~~451250 1,000.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~727~~709,~~981~~770,~~916~~101.5926 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J5 Alternative Loan Trust 2004-J5 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 249,744,761.64 440,940,583.74 690,685,345.38 Loan count 1156 1889 3045 Avg loan rate 6.763989% 5.369906% 5.87 Prepay amount 4,878,081.97 11,778,463.57 16,656,545.54 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 51,788.16 133,900.65 185,688.81 Sub servicer fees 3,921.56 534.05 4,455.61 Trustee fees 1,927.00 3,396.27 5,323.28 Agg advances N/A N/A N/A Adv this period 65,383.87 74,279.66 139,663.53 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 0.00 Fraud 5,401,664.52 9,404,952.48 14,806,617.01 Special Hazard 0.00 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.002424% 100.000000% 667,201,101.26 ----------------------------------------------------------------------------- Junior 5.997576% 0.000000% 42,569,000.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 89 18,779,237.84 60 to 89 days 22 4,844,234.10 90 or more 2 498,757.77 Foreclosure 1 648,000.00 Totals: 114 24,770,229.71 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 22,360,049.11 22,360,049.11 Principal remittance amount 19,084,755.88 19,084,755.88 Interest remittance amount 3,275,293.23 3,275,293.23

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