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 ------------------------------------------------------------

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 ~~110~~108,~~000~~447,~~000~~621.0099 6.000000% 12,~~552~~003,~~378~~775.0115 ~~550~~542,~~000~~238.0011 2,~~102~~546,~~378~~013.0126 0.00 0.00 A2 ~~136~~134,~~887~~531,~~000~~802.0064 6.000000% 23,~~355~~040,~~197~~036.3658 ~~684~~672,~~435~~659.0001 3,~~039~~712,~~632~~695.3659 0.00 0.00 A3 27,000,000.00 6.000000% 0.00 135,000.00 135,000.00 0.00 0.00 A4 3,000,000.00 6.000000% 0.00 15,000.00 15,000.00 0.00 0.00 PO 5,~~862~~768,~~543~~779.9612 0.000000% 9342,~~764~~126.8491 0.00 9342,~~764~~126.8491 0.00 0.00 M 10,~~650~~643,~~000~~334.0077 6.000000% 69,~~665~~493.2375 53,~~250~~216.0067 5962,~~915~~710.2342 0.00 0.00 B1 2,~~400~~398,~~000~~497.0098 6.000000% 12,~~502~~139.0244 1211,~~000~~992.0049 1314,~~502~~131.0293 0.00 0.00 B2 1,~~500~~499,~~000~~061.0023 6.000000% ~~938~~1,337.7715 7,~~500~~495.0031 8,~~438~~832.7745 0.00 0.00 B3 1,~~200~~199,~~000~~248.0099 6.000000% ~~751~~1,069.0172 65,~~000~~996.0024 67,~~751~~065.0196 0.00 0.00 B4 ~~900~~899,~~000~~436.0074 6.000000% ~~563~~802.2629 4,~~500~~497.0018 5,~~063~~299.2647 0.00 0.00 B5 ~~600~~599,~~356~~980.0431 6.000000% ~~375~~535.7318 32,~~001~~999.7890 3,~~377~~535.5108 -0.00 0.00 Residual AR ~~100~~0.00 6.000000% ~~100~~0.00 0.5000 ~~100~~0.5000 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~300~~295,~~000~~987,~~000~~763.0077 - 45,~~012~~101,~~236~~316.2315 1,~~470~~451,~~687~~094.2892 56,~~482~~552,~~923~~411.5107 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior A1 ~~108~~106,~~447~~443,~~621~~846.9984 0.00 A2 ~~134~~131,~~531~~491,~~802~~766.6406 0.00 A3 27,000,000.00 0.00 A4 3,000,000.00 0.00 PO 5,~~768~~726,~~779~~652.1221 0.00 M 10,~~643~~633,~~334~~841.7702 0.00 B1 2,~~398~~396,~~497~~358.9854 0.00 B2 1,~~499~~497,~~061~~724.2309 0.00 B3 1,~~199~~198,~~248~~179.9927 0.00 B4 ~~899~~898,~~436~~634.7445 0.00 B5 599,~~980~~445.3113 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~295~~290,~~987~~886,~~763~~447.7762 - --------------------------------------------------------------------------------

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

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 ~~110~~108,~~000~~447,~~000~~621.0099 6.000000% 12667FPE9 1418.~~112527~~216138 54.~~000000~~929437 ~~985~~967.~~887473~~671335 A2 ~~136~~134,~~887~~531,~~000~~802.0064 6.000000% 12667FPF6 1722.~~205413~~208366 54.~~000000~~913973 ~~982~~960.~~794587~~586221 A3 27,000,000.00 6.000000% 12667FPG4 0.000000 5.000000 1,000.000000 A4 3,000,000.00 6.000000% 12667FPH2 0.000000 5.000000 1,000.000000 PO 5,~~862~~768,~~543~~779.9612 0.000000% 12667FPJ8 157.~~993883~~185772 0.000000 ~~984~~976.~~006117~~820345 M 10,~~650~~643,~~000~~334.0077 6.000000% 12667FPL3 0.~~625844~~891432 54.~~000000~~996871 ~~999~~998.~~374156~~482725 B1 2,~~400~~398,~~000~~497.0098 6.000000% 12667FPM1 0.~~625844~~891432 54.~~000000~~996871 ~~999~~998.~~374156~~482725 B2 1,~~500~~499,~~000~~061.0023 6.000000% 12667FPN9 0.~~625844~~891432 54.~~000000~~996871 ~~999~~998.~~374156~~482725 B3 1,~~200~~199,~~000~~248.0099 6.000000% 12667FPP4 0.~~625844~~891432 54.~~000000~~996871 ~~999~~998.~~374156~~482725 B4 ~~900~~899,~~000~~436.0074 6.000000% 12667FPQ2 0.~~625844~~891432 54.~~000000~~996871 ~~999~~998.~~374156~~482725 B5 ~~600~~599,~~356~~980.0431 6.000000% 12667FPR0 0.~~625838~~891432 54.~~000000~~996871 ~~999~~998.~~374156~~482725 Residual AR ~~100~~0.00 6.000000% 12667FPK5 ~~1,000~~0.000000 50.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~300~~295,~~000~~987,~~000~~763.0077 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ 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

Filing Compare · ALTERNATIVE LOAN TRUST 2004-20T1