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<TABLE>
<CAPTION>
Accredited Home Lenders, Inc.
Mortgage Pass-Through Certificates
Record Date: 05/31/2000
Distribution Date: 06/26/2000
AHL Series: 2000-1
Contact: Customer Service - CTSLink
Norwest 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% 52,208,023.01 345,443.09 270,759.55
A-2 004735AD3 SEN 6.95000% 117,872,279.92 728,188.73 916,689.25
OC AHL0001OC JUN 0.00000% 2,495,272.19 0.00 0.00
Trust Cert AHL0001TC RES 0.00000% 0.00 0.00 0.00
Totals 172,575,575.12 1,073,631.82 1,187,448.80
</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 51,937,263.47 616,202.64 0.00
A-2 0.00 116,955,590.67 1,644,877.98 0.00
OC 0.00 2,777,759.39 0.00 0.00
Trust Cert 0.00 0.00 0.00 0.00
Totals 0.00 171,670,613.53 2,261,080.62 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 52,208,023.01 27,936.96 242,822.59 0.00 0.00
A-2 120,429,000.00 117,872,279.92 53,877.89 862,811.36 0.00 0.00
OC 1,324,000.00 2,495,272.19 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 174,800,000.00 172,575,575.12 81,814.85 1,105,633.95 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-1 270,759.55 51,937,263.47 0.97908013 270,759.55
A-2 916,689.25 116,955,590.67 0.97115803 916,689.25
OC 0.00 2,777,759.39 2.09800558 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Totals 1,187,448.80 171,670,613.53 0.98209733 1,187,448.80
</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 53,047,000.00 984.18427074 0.52664543 4.57749901 0.00000000
A-2 120,429,000.00 978.76989695 0.44738302 7.16448164 0.00000000
OC 1,324,000.00 1884.64666918 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 5.10414444 979.08012649 0.97908013 5.10414444
A-2 0.00000000 7.61186467 971.15803228 0.97115803 7.61186467
OC 0.00000000 0.00000000 2,098.00558157 2.09800558 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% 52,208,023.01 345,443.09 0.00 0.00
A-2 120,429,000.00 6.95000% 117,872,279.92 728,188.75 0.00 0.00
OC 1,324,000.00 0.00000% 2,495,272.19 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 1,073,631.84 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 0.00 345,443.09 0.00 51,937,263.47
A-2 0.02 0.00 728,188.73 0.00 116,955,590.67
OC 0.00 0.00 0.00 0.00 2,777,759.39
Trust Cert 0.00 0.00 0.00 0.00 0.00
Totals 0.02 0.00 1,073,631.82 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% 984.18427074 6.51201934 0.00000000 0.00000000
A-2 120,429,000.00 6.95000% 978.76989695 6.04662291 0.00000000 0.00000000
OC 1,324,000.00 0.00000% 1884.64666918 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 6.51201934 0.00000000 979.08012649
A-2 0.00000017 0.00000000 6.04662274 0.00000000 971.15803228
OC 0.00000000 0.00000000 0.00000000 0.00000000 2098.00558157
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
Rate Balance Balance Balance Balance Percentage
Class
<S> <C> <C> <C> <C> <C> <C>
FSA 0.21000% 170,080,302.94 168,892,854.13 0.00 0.00 97.35805191%
</TABLE>
<TABLE>
<CAPTION>
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<S> <C>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 2,413,721.39
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 2,413,721.39
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 152,640.77
Payment of Interest and Principal 2,261,080.62
Total Withdrawals (Pool Distribution Amount) 2,413,721.39
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 71,906.51
Trustee Fee- Norwest Bank 2,336.96
FSA Fee 29,764.05
PMI- MGIC Fee 48,633.25
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 152,640.77
</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 0.00 0.00 0.00 0.00
</TABLE>
<TABLE>
<CAPTION> CERTIFICATEHOLDER DELINQUENCY/CREDIT ENHANCEMENT STATEMENT
DELINQUENCY STATUS
Percentage Delinquent
Based On
Current Unpaid
Number Principal Number Unpaid
Of Loans Balance Of Loans Balance
<S> <C> <C> <C> <C>
30 Days 134 13,028,856.76 7.840843% 7.589451%
60 Days 13 775,843.57 0.760679% 0.451937%
90+ Days 15 1,855,084.40 0.877706% 1.080607%
Foreclosure 13 1,375,914.65 0.760679% 0.801485%
REO 0 0.00 0.000000% 0.000000%
Totals 175 17,035,699.38 10.239906% 9.923480%
</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 10.152953%
Weighted Average Net Coupon 9.652954%
Weighted Average Pass-Through Rate 9.206527%
Weighted Average Maturity(Stepdown Calculation ) 329
Beginning Scheduled Collateral Loan Count 1,721
Number Of Loans Paid In Full 12
Ending Scheduled Collateral Loan Count 1,709
Beginning Scheduled Collateral Balance 172,575,575.13
Ending Scheduled Collateral Balance 171,670,613.52
Ending Actual Collateral Balance at 31-May-2000 171,670,613.52
Monthly P &I Constant 1,590,908.01
Ending Scheduled Balance for Premium Loans 171,670,613.52
Scheduled Principal 81,814.85
Unscheduled Principal 823,146.76
</TABLE>
<TABLE>
<CAPTION>
<S> <C>
Prepayment Penalties $22,269.89
</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 10.783331 10.364982
Weighted Average Net Rate 9.960240 9.496679
Weighted Average Maturity 302.00 355.00
Beginning Loan Count 688 1,033 1,721
Loans Paid In Full 4 8 12
Ending Loan Count 684 1,025 1,709
Beginning Scheduled Balance 52,991,785.83 119,583,789.30 172,575,575.13
Ending scheduled Balance 52,806,186.86 118,864,426.66 171,670,613.52
Record Date 05/31/2000 05/31/2000
Principal And Interest Constant 504,126.94 1,086,781.07 1,590,908.01
Scheduled Principal 27,936.96 53,877.89 81,814.85
Unscheduled Principal 157,662.01 665,484.75 823,146.76
Scheduled Interest 476,189.98 1,032,903.18 1,509,093.16
Servicing Fees 22,079.92 49,826.59 71,906.51
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 717.61 1,619.35 2,336.96
FRY Amount 0.00 0.00 0.00
Special Hazard Fee 0.00 0.00 0.00
Other Fee 13,550.04 35,083.21 48,633.25
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 439,842.41 946,374.03 1,386,216.44
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
</TABLE>
<TABLE>
<CAPTION> Delinquency Status By Groups
<S> <C> <C> <C> <C> <C> <C>
Group 30 Days 60 Days 90 + Days Foreclosure REO Bankruptcy
1 Principal Balance 4,767,056.47 234,763.78 494,508.11 525,174.65 0.00 0.00
Percentage Of Balance 9.027% 0.445% 0.936% 0.995% 0.000% 0.000%
Loan Count 59 5 4 5 0 0
Percentage Of Loans 8.626% 0.731% 0.585% 0.731% 0.000% 0.000%
2 Principal Balance 8,261,800.29 541,079.79 1,360,576.29 850,740.00 0.00 155,637.06
Percentage Of Balance 6.951% 0.455% 1.145% 0.716% 0.000% 0.131%
Loan Count 75 8 11 8 0 1
Percentage Of Loans 7.317% 0.780% 1.073% 0.780% 0.000% 0.098%
Totals:Principal Balance 13,028,856.76 775,843.57 1,855,084.40 1,375,914.65 0.00 155,637.06
Percentage of Balance 7.589% 0.452% 1.081% 0.801% 0.000% 0.091%
Loan Count 134 13 15 13 0 1
Percentage Of Loans 7.841% 0.761% 0.878% 0.761% 0.000% 0.059%
</TABLE>
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