8-K 1 cwt420t1_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 Mortgage Pass-Through Certificates, Series 2004-20T1) (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 Mortgage Pass-Through Certificates Series 2004-20T1 On September 25, 2004, The Bank of New York, as Trustee for CWT, Mortgage Pass-Through Certificates Series 2004-20T1, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of July 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, Mortgage Pass-Through Certificates Series 2004-20T1 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 July 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 Mortgage Pass-Through Certificates, Series 2004-20T1 Alternative Loan Trust 2004-20T1 ------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ Countrywide Home Loans Servicing LP Mortgage Pass-Through Certificates, Series 2004-20T1 Alternative Loan Trust 2004-20T1 ------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Servicing LP Mortgage Pass-Through Certificates, Series 2004-20T1 Alternative Loan Trust 2004-20T1 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 290,886,447.62 290,886,447.62 Loan count 580 580 Avg loan rate 6.391379% 6.39 Prepay amount 4,836,454.38 4,836,454.38 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 54,492.39 54,492.39 Sub servicer fees 61,496.03 61,496.03 Trustee fees 2,219.91 2,219.91 Agg advances N/A N/A Adv this period 28,596.19 28,596.19 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 Fraud 6,000,000.00 6,000,000.00 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 295,987,763.77 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 10 4,496,814.50 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 10 4,496,814.50 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 6,552,411.07 6,552,411.07 Principal remittance amount 5,101,316.15 5,101,316.15 Interest remittance amount 1,451,094.92 1,451,094.92

ALTERNATIVE LOAN TRUST 2004-20T1 8-K