8-K 1 cwt04j5_8k0412.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, 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) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions. []Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) []Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) []Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) []Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Section 8 - Other Events Item 8.01 Other Events Section 9 - Financial Statements and Exhibits Item 9.01 Financial Statements and Exhibits 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, 2004 CWT By: /s/ Maria Tokarz ------------------------------ Name: Maria Tokarz Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated December 25, 2004 Payment Date: 12/25/04 ------------------------------------------------------------ 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 8680,~~444~~578,~~694~~145.6208 2.~~122500~~370000% 56,~~866~~485,~~549~~087.5483 ~~163~~164,~~092~~446.3256 6,~~029~~649,~~641~~534.8640 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.~~862597~~888875% 0.00 4849,~~854~~073.9796 4849,~~854~~073.9796 0.00 0.00 1A5 38,763,000.00 5.~~862597~~888875% 0.00 ~~189~~190,~~376~~225.5337 ~~189~~190,~~376~~225.5337 0.00 0.00 1A6 25,455,000.00 5.687000% 0.00 120,635.49 120,635.49 0.00 0.00 1IO ~~198~~183,~~314~~589,~~556~~029.4613 0.750000% 0.00 ~~123~~114,~~946~~743.6014 ~~123~~114,~~946~~743.6014 0.00 0.00 2A1 ~~282~~273,~~434~~957,~~406~~242.6559 2.~~272500~~520000% 86,~~477~~396,~~164~~624.0601 ~~570~~594,~~517~~487.5022 96,~~047~~991,~~681~~111.5623 0.00 0.00 2A2 3532,~~492~~493,~~726~~822.2779 2.~~122500~~370000% 2,~~998~~262,~~903~~886.4926 66,~~962~~314.9448 32,~~065~~329,~~866~~200.4373 0.00 0.00 2A3 64,422,000.00 2.~~432500~~680000% 0.00 ~~139~~148,~~294~~671.6866 ~~139~~148,~~294~~671.6866 0.00 0.00 2A4 2019,~~223~~616,~~648~~643.9159 2.~~432500~~680000% ~~607~~458,~~005~~028.3375 4345,~~728~~270.0285 ~~650~~503,~~733~~299.3560 0.00 0.00 2IO ~~345~~320,~~923~~405,~~797~~298.8596 0.750000% 0.00 ~~216~~200,~~202~~253.3731 ~~216~~200,~~202~~253.3731 0.00 0.00 C ~~675~~658,~~285~~354,~~357~~597.3863 0.000000% 0.00 0.00 0.00 0.00 0.00 P 0.00 0.000000% 0.00 3657,~~463~~705.6095 3657,~~463~~705.6095 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.~~532500~~780000% 0.00 3638,~~663~~989.8527 3638,~~663~~989.8527 0.00 0.00 M2 15,176,000.00 3.~~032500~~280000% 0.00 4042,~~907~~863.7577 4042,~~907~~863.7577 0.00 0.00 B 11,106,000.00 4.~~082500~~330000% 0.00 4041,~~302~~409.4495 4041,~~302~~409.4495 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~674~~656,~~071~~121,~~476~~854.4605 - 1715,~~949~~602,~~622~~626.4185 2,~~124~~162,~~577~~719.5546 2017,~~074~~765,~~199~~346.9631 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 8074,~~578~~093,~~145~~057.0825 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 ~~183~~169,~~589~~956,~~029~~036.1356 0.00 2A1 ~~273~~267,~~957~~560,~~242~~618.5958 0.00 2A2 3230,~~493~~230,~~822~~936.7953 0.00 2A3 64,422,000.00 0.00 2A4 19,~~616~~158,~~643~~614.5984 0.00 2IO ~~320~~296,~~405~~768,~~298~~892.9622 0.00 C ~~658~~643,~~354~~675,~~597~~488.6335 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 - - ~~656~~640,~~121~~519,~~854~~227.0520 - --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ 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 8680,~~444~~578,~~694~~145.6208 2.~~122500~~370000% 12667FLB9 5257.~~348124~~867436 1.~~455298~~467382 ~~719~~661.~~011181~~143745 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.~~862597~~888875% 12667FLE3 0.000000 4.~~885497~~907396 1,000.000000 1A5 38,763,000.00 5.~~862597~~888875% 12667FLF0 0.000000 4.~~885497~~907396 1,000.000000 1A6 25,455,000.00 5.687000% 12667FLG8 0.000000 4.739167 1,000.000000 1IO ~~198~~183,~~314~~589,~~556~~029.4613 0.750000% 12667FLH6 0.000000 0.~~459061~~424975 ~~679~~629.~~959367~~466802 2A1 ~~282~~273,~~434~~957,~~406~~242.6559 2.~~272500~~520000% 12667FLJ2 2720.~~262759~~571693 1.~~834798~~911885 ~~881~~860.~~052934~~481241 2A2 3532,~~492~~493,~~726~~822.2779 2.~~122500~~370000% 12667FLS2 6549.~~797172~~648652 1.~~469194~~454967 ~~712~~663.~~927789~~279138 2A3 64,422,000.00 2.~~432500~~680000% 12667FNG6 0.000000 2.~~162222~~307778 1,000.000000 2A4 2019,~~223~~616,~~648~~643.9159 2.~~432500~~680000% 12667FNH4 2720.~~262759~~571693 12.~~963980~~033274 ~~881~~860.~~052934~~481241 2IO ~~345~~320,~~923~~405,~~797~~298.8596 0.750000% 12667FLK9 0.000000 0.~~460005~~426071 ~~681~~631.~~713402~~423175 C ~~675~~658,~~285~~354,~~357~~597.3863 0.000000% 12667FLP8 0.000000 0.000000 ~~889~~869.~~270787~~443017 P 0.00 0.000000% 12667FLQ6 0.000000 ~~364~~577,~~636~~059.~~000000~~500000 0.000000 Residual AR 0.00 0.000000% 12667FLR4 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate M1 16,287,000.00 2.~~532500~~780000% 12667FLL7 0.000000 2.~~251111~~393889 1,000.000000 M2 15,176,000.00 3.~~032500~~280000% 12667FLM5 0.000000 2.~~695556~~824444 1,000.000000 B 11,106,000.00 4.~~082500~~330000% 12667FLN3 0.000000 3.~~628889~~728611 1,000.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~674~~656,~~071~~121,~~476~~854.4605 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans CHL Mortgage Pass-Through Certificates, Series 2004-J5 Alternative Loan Trust 2004-J5 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 233,210,830.73 410,464,657.62 643,675,488.35 Loan count 1088 1774 2862 Avg loan rate 6.742214% 5.362477% 5.86 Prepay amount 5,900,048.11 8,463,078.08 14,363,126.19 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 46,670.51 125,851.42 172,521.93 Sub servicer fees 3,784.04 310.90 4,094.95 Trustee fees 1,794.84 3,142.82 4,937.66 Agg advances N/A N/A N/A Adv this period 59,186.02 45,044.26 104,230.28 -------------------------------------------------------------------------------- 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 93.512028% 100.000000% 613,552,854.05 ----------------------------------------------------------------------------- Junior 6.487972% 0.000000% 42,569,000.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 42 6,687,051.18 60 to 89 days 19 4,070,298.92 90 or more 25 5,476,778.37 Foreclosure 0 0.00 Totals: 86 16,234,128.47 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 17,765,346.31 17,765,346.31 Principal remittance amount 15,602,626.85 15,602,626.85 Interest remittance amount 2,162,719.46 2,162,719.46

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