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<TABLE>
<CAPTION>
Accredited Home Lenders, Inc.
Mortgage Pass-Through Certificates
Record Date: 06/30/2000
Distribution Date: 07/25/2000
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% 51,937,263.47 343,651.56 162,708.56
A-2 004735AD3 SEN 7.01000% 116,955,590.67 660,441.72 744,981.23
OC AHL0001OC JUN 0.00000% 2,777,759.39 0.00 0.00
Trust Cert AHL0001TC RES 0.00000% 0.00 0.00 0.00
Totals 171,670,613.53 1,004,093.28 907,689.79
</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 51,774,554.91 506,360.12 0.00
A-2 0.00 116,210,609.44 1,405,422.95 0.00
OC 0.00 3,117,956.83 0.00 0.00
Trust Cert 0.00 0.00 0.00 0.00
Totals 0.00 171,103,121.18 1,911,783.07 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 51,937,263.47 28,165.57 134,542.99 0.00 0.00
A-2 120,429,000.00 116,955,590.67 54,073.07 690,908.16 0.00 0.00
OC 1,324,000.00 2,777,759.39 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 174,800,000.00 171,670,613.53 82,238.64 825,451.15 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-1 162,708.56 51,774,554.91 0.97601287 162,708.56
A-2 744,981.23 116,210,609.44 0.96497197 744,981.23
OC 0.00 3,117,956.83 2.35495229 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Totals 907,689.79 171,103,121.18 0.97885081 907,689.79
</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 53,047,000.00 979.08012649 0.53095500 2.53629781 0.00000000
A-2 120,429,000.00 971.15803228 0.44900373 5.73705802 0.00000000
OC 1,324,000.00 2098.00558157 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 3.06725281 976.01287368 0.97601287 3.06725281
A-2 0.00000000 6.18606175 964.97197054 0.96497197 6.18606175
OC 0.00000000 0.00000000 2,354.95228852 2.35495229 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% 51,937,263.47 343,651.56 0.00 0.00
A-2 120,429,000.00 7.01000% 116,955,590.67 660,441.72 0.00 0.00
OC 1,324,000.00 0.00000% 2,777,759.39 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 1,004,093.28 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 0.00 343,651.56 0.00 51,774,554.91
A-2 0.00 0.00 660,441.72 0.00 116,210,609.44
OC 0.00 0.00 0.00 0.00 3,117,956.83
Trust Cert 0.00 0.00 0.00 0.00 0.00
Totals 0.00 0.00 1,004,093.28 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% 979.08012649 6.47824684 0.00000000 0.00000000
A-2 120,429,000.00 7.01000% 971.15803228 5.48407543 0.00000000 0.00000000
OC 1,324,000.00 0.00000% 2098.00558157 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 6.47824684 0.00000000 976.01287368
A-2 0.00000000 0.00000000 5.48407543 0.00000000 964.97197054
OC 0.00000000 0.00000000 0.00000000 0.00000000 2354.95228852
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% 168,892,854.13 167,985,164.34 0.00 0.00 96.83481539%
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 2,063,154.94
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 2,063,154.94
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 151,371.87
Payment of Interest and Principal 1,911,783.07
Total Withdrawals (Pool Distribution Amount) 2,063,154.94
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 71,529.41
Trustee Fee- Wells Fargo 2,324.71
FSA Fee 29,556.25
PMI- MGIC Fee 47,961.50
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 151,371.87
</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 0.02
</TABLE>
<TABLE>
<CAPTION> CERTIFICATEHOLDER DELINQUENCY/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
30 Days 147 2 19 0 168
13,989,229.91 245,544.66 2,151,592.76 0.00 16,386,367.33
60 Days 16 0 0 0 16
1,455,393.06 0.00 0.00 0.00 1,455,393.06
90 Days 11 0 0 0 11
1,037,226.10 0.00 0.00 0.00 1,037,226.10
120 Days 12 0 0 0 12
1,222,144.38 0.00 0.00 0.00 1,222,144.38
150 Days 2 0 0 0 2
572,326.80 0.00 0.00 0.00 572,326.80
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 188 2 19 0 209
18,276,320.25 245,544.66 2,151,592.76 0.00 20,673,457.67
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
30 Days 8.636898% 0.117509% 1.116334% 0.000000% 9.870740%
8.175906% 0.143507% 1.257483% 0.000000% 9.576896%
60 Days 0.940071% 0.000000% 0.000000% 0.000000% 0.940071%
0.850594% 0.000000% 0.000000% 0.000000% 0.850594%
90 Days 0.646298% 0.000000% 0.000000% 0.000000% 0.646298%
0.606199% 0.000000% 0.000000% 0.000000% 0.606199%
120 Days 0.705053% 0.000000% 0.000000% 0.000000% 0.705053%
0.714274% 0.000000% 0.000000% 0.000000% 0.714274%
150 Days 0.117509% 0.000000% 0.000000% 0.000000% 0.117509%
0.334492% 0.000000% 0.000000% 0.000000% 0.334492%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 11.045828% 0.117509% 1.116334% 0.000000% 12.279671%
10.681465% 0.143507% 1.257483% 0.000000% 12.082455%
</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
30 Days 59 0 7 0 66
4,097,623.45 0.00 638,398.16 0.00 4,736,021.61
60 Days 8 0 0 0 8
613,877.30 0.00 0.00 0.00 613,877.30
90 Days 7 0 0 0 7
769,500.87 0.00 0.00 0.00 769,500.87
120 Days 3 0 0 0 3
144,938.16 0.00 0.00 0.00 144,938.16
150 Days 1 0 0 0 1
349,416.96 0.00 0.00 0.00 349,416.96
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 78 0 7 0 85
5,975,356.74 0.00 638,398.16 0.00 6,613,754.90
30 Days 8.638360% 0.000000% 1.024890% 0.000000% 9.663250%
7.771075% 0.000000% 1.210712% 0.000000% 8.981787%
60 Days 1.171303% 0.000000% 0.000000% 0.000000% 1.171303%
1.164208% 0.000000% 0.000000% 0.000000% 1.164208%
90 Days 1.024890% 0.000000% 0.000000% 0.000000% 1.024890%
1.459346% 0.000000% 0.000000% 0.000000% 1.459346%
120 Days 0.439239% 0.000000% 0.000000% 0.000000% 0.439239%
0.274873% 0.000000% 0.000000% 0.000000% 0.274873%
150 Days 0.146413% 0.000000% 0.000000% 0.000000% 0.146413%
0.662664% 0.000000% 0.000000% 0.000000% 0.662664%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 11.420205% 0.000000% 1.024890% 0.000000% 12.445095%
11.332166% 0.000000% 1.210712% 0.000000% 12.542877%
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
30 Days 88 2 12 0 102
9,891,606.46 245,544.66 1,513,194.60 0.00 11,650,345.72
60 Days 8 0 0 0 8
841,515.76 0.00 0.00 0.00 841,515.76
90 Days 4 0 0 0 4
267,725.23 0.00 0.00 0.00 267,725.23
120 Days 9 0 0 0 9
1,077,206.22 0.00 0.00 0.00 1,077,206.22
150 Days 1 0 0 0 1
222,909.84 0.00 0.00 0.00 222,909.84
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 110 2 12 0 124
12,300,963.51 245,544.66 1,513,194.60 0.00 14,059,702.77
30 Days 8.635918% 0.196271% 1.177625% 0.000000% 10.009814%
8.356236% 0.207431% 1.278317% 0.000000% 9.841984%
60 Days 0.785083% 0.000000% 0.000000% 0.000000% 0.785083%
0.710896% 0.000000% 0.000000% 0.000000% 0.710896%
90 Days 0.392542% 0.000000% 0.000000% 0.000000% 0.392542%
0.226169% 0.000000% 0.000000% 0.000000% 0.226169%
120 Days 0.883219% 0.000000% 0.000000% 0.000000% 0.883219%
0.910003% 0.000000% 0.000000% 0.000000% 0.910003%
150 Days 0.098135% 0.000000% 0.000000% 0.000000% 0.098135%
0.188310% 0.000000% 0.000000% 0.000000% 0.188310%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 10.794897% 0.196271% 1.177625% 0.000000% 12.168793%
10.391613% 0.207431% 1.278317% 0.000000% 11.877362%
</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 10.119620%
Weighted Average Net Coupon 9.619619%
Weighted Average Pass-Through Rate 9.173915%
Weighted Average Maturity(Stepdown Calculation ) 328
Beginning Scheduled Collateral Loan Count 1,709
Number Of Loans Paid In Full 7
Ending Scheduled Collateral Loan Count 1,702
Beginning Scheduled Collateral Balance 171,670,613.52
Ending Scheduled Collateral Balance 171,103,121.17
Ending Actual Collateral Balance at 30-Jun-2000 171,103,121.17
Monthly P &I Constant 1,578,234.58
Ending Scheduled Balance for Premium Loans 171,103,121.17
Scheduled Principal 82,238.64
Unscheduled Principal 485,253.71
</TABLE>
<TABLE>
<CAPTION>
<S> <C>
Prepayment Penalties $17,121.51
</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 10.781740 10.313031
Weighted Average Net Rate 9.965511 9.445852
Weighted Average Maturity 301.00 354.00
Beginning Loan Count 684 1,025 1,709
Loans Paid In Full 1 6 7
Ending Loan Count 683 1,019 1,702
Beginning Scheduled Balance 52,806,186.86 118,864,426.66 171,670,613.52
Ending scheduled Balance 52,729,169.06 118,373,952.11 171,103,121.17
Record Date 06/30/2000 06/30/2000
Principal And Interest Constant 502,617.73 1,075,616.85 1,578,234.58
Scheduled Principal 28,165.57 54,073.07 82,238.64
Unscheduled Principal 48,852.23 436,401.48 485,253.71
Scheduled Interest 474,452.16 1,021,543.78 1,495,995.94
Servicing Fees 22,002.58 49,526.83 71,529.41
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 715.09 1,609.62 2,324.71
FRY Amount 0.00 0.00 0.00
Special Hazard Fee 0.00 0.00 0.00
Other Fee 13,200.62 34,760.88 47,961.50
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 438,533.87 935,646.45 1,374,180.32
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 85,690.76 254,506.68 340,197.44
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 954,614.15 2,163,342.67 3,117,956.83
Overcollateralization Deficiency Amount 1,274,382.07 2,939,858.55 4,214,240.61
Base Overcollateralization Amount 0.00 0.00 0.00
Extra Principal Distribution Amount 0.00 0.00 0.00
Excess Cash Amount 85,690.76 254,506.68 340,197.44
</TABLE>
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