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<TABLE>
<CAPTION>
Accredited Home Lenders, Inc.
Asset Backed-Notes
Record Date: 8/31/00
Distribution Date: 9/25/00
AHL Series: 2000-1
Contact: Customer Service - CTSLink
Wells Fargo Bank Minnesota, N.A.
Securities Administration Services
7485 New Horizon Way
Frederick, MD 21703
Telephone: (301) 815-6600
Fax: (301) 846-8152
Certificateholder Distribution Summary
Certificate Certificate Beginning
Class Pass-Through Certificate Interest Principal
Class CUSIP Description Rate Balance Distribution Distribution
<S> <C> <C> <C> <C> <C> <C>
A-1 004735AC5 SEN 7.94000% 51,405,568.64 340,133.51 692,492.20
A-2 004735AD3 SEN 6.95000% 115,169,743.40 689,258.91 2,094,476.73
OC AHL0001OC JUN 0.00000% 3,434,514.54 0.00 0.00
Trust Cert AHL0001TC RES 0.00000% 0.00 0.00 0.00
Totals 170,009,826.58 1,029,392.42 2,786,968.93
</TABLE>
<TABLE>
<CAPTION>
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<S> <C> <C> <C> <C>
A-1 0.00 50,713,076.44 1,032,625.71 0.00
A-2 0.00 113,075,266.67 2,783,735.64 0.00
OC 0.00 3,814,503.49 0.00 0.00
Trust Cert 0.00 0.00 0.00 0.00
Totals 0.00 167,602,846.60 3,816,361.35 0.00
<FN>
All distributions required by the Pooling and Servicing Agreement have been calculated by the
Certificate Administrator on behalf of the Trustee.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Principal Distribution Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal Realized
Class Amount Balance Distribution Distribution Accretion Loss (1)
<S> <C> <C> <C> <C> <C> <C>
A-1 53,047,000.00 51,405,568.64 28,496.28 663,995.92 0.00 0.00
A-2 120,429,000.00 115,169,743.40 54,623.91 2,039,852.82 0.00 0.00
OC 1,324,000.00 3,434,514.54 0.00 0.00 0.00 0.00
Trust Cert 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
Totals 174,800,000.00 170,009,826.58 83,120.19 2,703,848.74 0.00 0.00
<FN>
(1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Principal Distribution Statement (continued)
Total Ending Ending Total
Principal Certificate Certificate Principal
Class Reduction Balance Percentage Distribution
<S> <C> <C> <C> <C>
A-1 692,492.20 50,713,076.44 0.95600272 692,492.20
A-2 2,094,476.73 113,075,266.67 0.93893719 2,094,476.73
OC 0.00 3,814,503.49 2.88104493 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Totals 2,786,968.93 167,602,846.60 0.95882635 2,786,968.93
</TABLE>
<TABLE>
<CAPTION>
Principal Distribution Factors Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal
Class (2) Amount Balance Distribution Distribution Accretion
<S> <C> <C> <C> <C> <C>
A-1 53,047,000.00 969.05703697 0.53718928 12.51712481 0.00000000
A-2 120,429,000.00 956.32898554 0.45357771 16.93821937 0.00000000
OC 1,324,000.00 2594.04421450 0.00000000 0.00000000 0.00000000
Trust Cert 0.00 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
</FN>
</TABLE>
<TABLE>
<CAPTION>
Principal Distribution Factors Statement (continued)
Total Ending Ending Total
Realized Principal Certificate Certificate Principal
Class Loss (3) Reduction Balance Percentage Distribution
<S> <C> <C> <C> <C> <C>
A-1 0.00000000 13.05431410 956.00272287 0.95600272 13.05431410
A-2 0.00000000 17.39179708 938.93718847 0.93893719 17.39179708
OC 0.00000000 0.00000000 2,881.04493202 2.88104493 0.00000000
Trust Cert 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
(3) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses
Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Interest Distribution Statement
Beginning Payment of
Original Current Certificate/ Current Unpaid Current
Face Certificate Notional Accrued Interest Interest
Class Amount Rate Balance Interest Shortfall Shortfall
<S> <C> <C> <C> <C> <C> <C>
A-1 53,047,000.00 7.94000% 51,405,568.64 340,133.51 0.00 0.00
A-2 120,429,000.00 6.95000% 115,169,743.40 689,258.92 0.00 0.00
OC 1,324,000.00 0.00000% 3,434,514.54 0.00 0.00 0.00
Trust Cert 0.00 0.00000% 0.00 0.00 0.00 0.00
Totals 174,800,000.00 1,029,392.43 0.00 0.00
</TABLE>
<TABLE>
<CAPTION>
Interest Distribution Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (4) Distribution Shortfall Balance
<S> <C> <C> <C> <C> <C>
A-1 0.00 0.00 340,133.51 0.00 50,713,076.44
A-2 0.01 0.00 689,258.91 0.00 113,075,266.67
OC 0.00 0.00 0.00 0.00 3,814,503.49
Trust Cert 0.00 0.00 0.00 0.00 0.00
Totals 0.01 0.00 1,029,392.42 0.00
<FN>
(4) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Interest Distribution Factors Statement
Beginning Payment of
Original Current Certificate/ Current Unpaid Current
Face Certificate Notional Accrued Interest Interest
Class (5) Amount Rate Balance Interest Shortfall Shortfall
<S> <C> <C> <C> <C> <C> <C>
A-1 53,047,000.00 7.94000% 969.05703697 6.41192735 0.00000000 0.00000000
A-2 120,429,000.00 6.95000% 956.32898554 5.72336331 0.00000000 0.00000000
OC 1,324,000.00 0.00000% 2594.04421450 0.00000000 0.00000000 0.00000000
Trust Cert 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
(5) Per $1 denomination.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Interest Distribution Factors Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (6) Distribution Shortfall Balance
<S> <C> <C> <C> <C> <C>
A-1 0.00000000 0.00000000 6.41192735 0.00000000 956.00272287
A-2 0.00000008 0.00000000 5.72336323 0.00000000 938.93718847
OC 0.00000000 0.00000000 0.00000000 0.00000000 2881.04493202
Trust Cert 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
(6) Amount Does Not Include Excess Special Hazard, Bankrupcy,or Fraud Losses Unless
Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Certificateholder Component Statement
Component Beginning Ending Beginning Ending Ending
Pass-Through Notional Notional Component Component Component
Class Rate Balance Balance Balance Balance Percentage
<S> <C> <C> <C> <C> <C> <C>
FSA 0.21000% 166,575,312.04 163,788,343.11 0.00 0.00 94.41556360%
FSA-REIMB 0.00000% 0.00 0.00 0.00 0.00 0.00000000%
</TABLE>
<TABLE>
<CAPTION>
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<S> <C>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 3,966,425.70
Liquidations, Insurance Proceeds, Reserve Funds 0.00
Proceeds from Repurchased Loans 0.00
Other Amounts (Servicer Advances) 0.00
Realized Losses 0.00
Total Deposits 3,966,425.70
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 150,064.35
Payment of Interest and Principal 3,816,361.35
Total Withdrawals (Pool Distribution Amount) 3,966,425.70
Ending Balance 0.00
</TABLE>
<TABLE>
<CAPTION>
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL
<S> <C>
Total Prepayment/Curtailment Interest Shortfall 0.00
Servicing Fee Support 0.00
Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
</TABLE>
<TABLE>
<CAPTION>
SERVICING FEES
<S> <C>
Gross Servicing Fee 70,837.40
Trustee Fee- Wells Fargo 2,302.22
FSA Fee Group 1 8,995.97
FSA Fee Group 2 20,154.71
PMI- MGIC Fee 47,774.05
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 150,064.35
</TABLE>
<TABLE>
<CAPTION>
OTHER ACCOUNTS
Beginning Current Current Ending
Account Type Balance Withdrawals Deposits Balance
<S> <C> <C> <C> <C>
Financial Guaranty 0.00 0.00 0.00 0.00
Financial Guaranty 0.00 0.00 0.00 0.00
Financial Guaranty 0.00 0.00 0.00 0.00
Reserve Fund 0.02 0.00 0.02 0.04
</TABLE>
<TABLE>
<CAPTION> LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT
DELINQUENCY STATUS
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<S> <C> <C> <C> <C> <C>
No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 3 0 3
0.00 119,341.17 0.00 119,341.17
30 Days 16 0 0 0 16
1,000,805.45 0.00 0.00 0.00 1,000,805.45
60 Days 16 0 1 0 17
1,485,415.65 0.00 20,132.06 0.00 1,505,547.71
90 Days 3 1 31 0 35
399,801.70 90,000.00 3,503,250.93 0.00 3,993,052.63
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180+ Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 35 1 35 0 71
2,886,022.80 90,000.00 3,642,724.16 0.00 6,618,746.96
No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0.000000% 0.179641% 0.000000% 0.179641%
0.000000% 0.071205% 0.000000% 0.071205%
30 Days 0.958084% 0.000000% 0.000000% 0.000000% 0.958084%
0.597129% 0.000000% 0.000000% 0.000000% 0.597129%
60 Days 0.958084% 0.000000% 0.059880% 0.000000% 1.017964%
0.886271% 0.000000% 0.012012% 0.000000% 0.898283%
90 Days 0.179641% 0.059880% 1.856287% 0.000000% 2.095808%
0.238541% 0.053698% 2.090210% 0.000000% 2.382449%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 2.095808% 0.059880% 2.095808% 0.000000% 4.251497%
1.721941% 0.053698% 2.173426% 0.000000% 3.949066%
</TABLE>
<TABLE> Delinquency Status By Groups
<CAPTION>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<S> <C> <C> <C> <C> <C>
Group 1 No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 1 0 1
0.00 14,583.48 0.00 14,583.48
30 Days 8 0 0 0 8
356,997.57 0.00 0.00 0.00 356,997.57
60 Days 7 0 0 0 7
547,256.85 0.00 0.00 0.00 547,256.85
90 Days 3 0 16 0 19
399,801.70 0.00 1,598,703.08 0.00 1,998,504.78
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 18 0 17 0 35
1,304,056.12 0.00 1,613,286.56 0.00 2,917,342.68
0-29 Days 0.000000% 0.149477% 0.000000% 0.149477%
0.000000% 0.028116% 0.000000% 0.028116%
30 Days 1.195815% 0.000000% 0.000000% 0.000000% 1.195815%
0.688268% 0.000000% 0.000000% 0.000000% 0.688268%
60 Days 1.046338% 0.000000% 0.000000% 0.000000% 1.046338%
1.055076% 0.000000% 0.000000% 0.000000% 1.055076%
90 Days 0.448430% 0.000000% 2.391629% 0.000000% 2.840060%
0.770792% 0.000000% 3.082196% 0.000000% 3.852987%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 2.690583% 0.000000% 2.541106% 0.000000% 5.231689%
2.514135% 0.000000% 3.110312% 0.000000% 5.624447%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<S> <C> <C> <C> <C> <C>
Group 2 No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 2 0 2
0.00 104,757.69 0.00 104,757.69
30 Days 8 0 0 0 8
643,807.88 0.00 0.00 0.00 643,807.88
60 Days 9 0 1 0 10
938,158.80 0.00 20,132.06 0.00 958,290.86
90 Days 0 1 15 0 16
0.00 90,000.00 1,904,547.85 0.00 1,994,547.85
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 17 1 18 0 36
1,581,966.68 90,000.00 2,029,437.60 0.00 3,701,404.28
0-29 Days 0.000000% 0.199800% 0.000000% 0.199800%
0.000000% 0.090516% 0.000000% 0.090516%
30 Days 0.799201% 0.000000% 0.000000% 0.000000% 0.799201%
0.556283% 0.000000% 0.000000% 0.000000% 0.556283%
60 Days 0.899101% 0.000000% 0.099900% 0.000000% 0.999001%
0.810617% 0.000000% 0.017395% 0.000000% 0.828012%
90 Days 0.000000% 0.099900% 1.498501% 0.000000% 1.598402%
0.000000% 0.077765% 1.645627% 0.000000% 1.723392%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 1.698302% 0.099900% 1.798202% 0.000000% 3.596404%
1.366900% 0.077765% 1.753538% 0.000000% 3.198203%
<FN>
The 90 day delinquency field represents delinquencies that are 90+ days
delinquent.
</FN>
</TABLE>
<TABLE>
<CAPTION>
OTHER INFORMATION
<S> <C>
Current Period Realized Loss - Includes Interest Shortfall 0.00
Cumulative Realized Losses - Includes Interest Shortfall 0.00
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 0.00
</TABLE>
<TABLE>
<CAPTION>
COLLATERAL STATEMENT
<S> <C>
Collateral Description Fixed & Mixed ARM
Weighted Average Gross Coupon 11.009570%
Weighted Average Net Coupon 9.833294%
Weighted Average Pass-Through Rate 9.479576%
Weighted Average Maturity(Stepdown Calculation ) 326
Beginning Scheduled Collateral Loan Count 1,693
Number Of Loans Paid In Full 23
Ending Scheduled Collateral Loan Count 1,670
Beginning Scheduled Collateral Balance 170,009,826.58
Ending Scheduled Collateral Balance 167,602,846.60
Ending Actual Collateral Balance at 31-Aug-2000 167,602,846.60
Monthly P &I Constant 1,642,899.46
Ending Scheduled Balance for Premium Loans 167,602,846.60
Scheduled Principal 83,120.19
Unscheduled Principal 2,323,859.79
</TABLE>
<TABLE>
<CAPTION>
<S> <C>
Prepayment Penalties 95,811.42
</TABLE>
<TABLE>
<CAPTION>
Group Level Collateral Statement
<S> <C>
Group ID 1 2 Total
Collateral Description Fixed 30 Year Mixed ARM
Weighted Average Coupon Rate 11.454913 10.810900
Weighted Average Net Rate 10.631778 9.943911
Weighted Average Maturity (1.00) (1.00)
Beginning Loan Count 678 1,015 1,693
Loans Paid In Full 9 14 23
Ending Loan Count 669 1,001 1,670
Beginning Scheduled Balance 52,446,031.45 117,563,795.13 170,009,826.58
Ending scheduled Balance 51,868,969.05 115,733,877.55 167,602,846.60
Record Date 8/31/00 8/31/00
Principal And Interest Constant 529,133.56 1,113,765.90 1,642,899.46
Scheduled Principal 28,496.28 54,623.91 83,120.19
Unscheduled Principal 548,566.12 1,775,293.67 2,323,859.79
Scheduled Interest 500,637.28 1,059,141.99 1,559,779.27
Servicing Fees 21,852.52 48,984.88 70,837.40
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 710.20 1,592.02 2,302.22
FRY Amount 0.00 0.00 0.00
Special Hazard Fee 0.00 0.00 0.00
Other Fee 13,412.44 34,361.78 47,774.22
Pool Insurance Fee 0.00 0.00 0.00
Spread Fee 1 0.00 0.00 0.00
Spread Fee 2 0.00 0.00 0.00
Spread Fee 3 0.00 0.00 0.00
Net Interest 464,662.12 974,203.31 1,438,865.43
Realized Loss Amount 0.00 0.00 0.00
Cumulative Realized Loss 0.00 0.00 0.00
Percentage of Cumulative Losses 0.00 0.00 0.00
Group ID
1 2 Total
Required Overcollateralization Amount 0.00 0.00 0.00
Overcollateralization Increase Amount 115,429.80 264,559.15 379,988.95
Overcollateralization Reduction Amount 0.00 0.00 0.00
Specified Overcollateralization Amount 2,143,305.46 4,848,694.54 6,992,000.00
Overcollateralization Amount 1,155,892.61 2,658,610.88 3,814,503.49
Overcollateralization Deficiency Amount 1,102,842.65 2,454,642.81 3,557,485.46
Base Overcollateralization Amount 0.00 0.00 0.00
Excess Principal Distribution Amount 0.00 0.00 0.00
Excess Cash Amount 115,429.80 264,559.15 379,988.95
</TABLE>
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