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<TABLE>
<CAPTION>
Accredited Home Lenders, Inc.
Asset Backed-Notes
Record Date: 7/31/00
Distribution Date: 8/25/00
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% 51,774,554.91 342,574.97 368,986.27
A-2 004735AD3 SEN 6.95000% 116,210,609.44 695,488.22 1,040,866.04
OC AHL0001OC JUN 0.00000% 3,117,956.83 0.00 0.00
Trust Cert AHL0001TC RES 0.00000% 0.00 0.00 0.00
Totals 171,103,121.18 1,038,063.19 1,409,852.31
</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 51,405,568.64 711,561.24 0.00
A-2 0.00 115,169,743.40 1,736,354.26 0.00
OC 0.00 3,434,514.54 0.00 0.00
Trust Cert 0.00 0.00 0.00 0.00
Totals 0.00 170,009,826.58 2,447,915.50 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 51,774,554.91 28,447.83 340,538.44 0.00 0.00
A-2 120,429,000.00 116,210,609.44 54,427.60 986,438.44 0.00 0.00
OC 1,324,000.00 3,117,956.83 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 174,800,000.00 171,103,121.18 82,875.43 1,326,976.88 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-1 368,986.27 51,405,568.64 0.96905704 368,986.27
A-2 1,040,866.04 115,169,743.40 0.95632899 1,040,866.04
OC 0.00 3,434,514.54 2.59404421 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Totals 1,409,852.31 170,009,826.58 0.97259626 1,409,852.31
</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 53,047,000.00 976.01287368 0.53627594 6.41956077 0.00000000
A-2 120,429,000.00 964.97197054 0.45194762 8.19103737 0.00000000
OC 1,324,000.00 2354.95228852 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 6.95583671 969.05703697 0.96905704 6.95583671
A-2 0.00000000 8.64298500 956.32898554 0.95632899 8.64298500
OC 0.00000000 0.00000000 2,594.04421450 2.59404421 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% 51,774,554.91 342,574.97 0.00 0.00
A-2 120,429,000.00 6.95000% 116,210,609.44 695,488.22 0.00 0.00
OC 1,324,000.00 0.00000% 3,117,956.83 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 1,038,063.19 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 0.00 342,574.97 0.00 51,405,568.64
A-2 0.00 0.00 695,488.22 0.00 115,169,743.40
OC 0.00 0.00 0.00 0.00 3,434,514.54
Trust Cert 0.00 0.00 0.00 0.00 0.00
Totals 0.00 0.00 1,038,063.19 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% 976.01287368 6.45795182 0.00000000 0.00000000
A-2 120,429,000.00 6.95000% 964.97197054 5.77508922 0.00000000 0.00000000
OC 1,324,000.00 0.00000% 2354.95228852 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 6.45795182 0.00000000 969.05703697
A-2 0.00000000 0.00000000 5.77508922 0.00000000 956.32898554
OC 0.00000000 0.00000000 0.00000000 0.00000000 2594.04421450
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
Class Component Beginning Ending Beginning Ending Ending
Pass-Through Notional Notional Component Component Component
Rate Balance Balance Balance Balance Percentage
<S> <C> <C> <C> <C> <C> <C>
FSA 0.21000% 167,985,164.34 166,575,312.04 0.00 0.00 96.02210798%
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 2,598,942.40
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 2,598,942.40
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 151,026.90
Payment of Interest and Principal 2,447,915.50
Total Withdrawals (Pool Distribution Amount) 2,598,942.40
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 71,292.99
Trustee Fee- Wells Fargo 2,317.03
FSA Fee 29,397.41
PMI- MGIC Fee 48,019.47
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 151,026.90
</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 0.00 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 155 0 0 0 155
13,938,261.35 0.00 0.00 0.00 13,938,261.35
60 Days 18 0 0 0 18
1,782,109.71 0.00 0.00 0.00 1,782,109.71
90 Days 15 0 0 0 15
1,513,959.92 0.00 0.00 0.00 1,513,959.92
120 Days 10 0 0 0 10
838,182.83 0.00 0.00 0.00 838,182.83
150 Days 12 0 0 0 12
1,221,627.60 0.00 0.00 0.00 1,221,627.60
180 Days 2 0 0 0 2
572,135.00 0.00 0.00 0.00 572,135.00
Totals 212 0 0 0 212
19,866,276.41 0.00 0.00 0.00 19,866,276.41
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 9.155346% 0.000000% 0.000000% 0.000000% 9.155346%
8.198503% 0.000000% 0.000000% 0.000000% 8.198503%
60 Days 1.063201% 0.000000% 0.000000% 0.000000% 1.063201%
1.048239% 0.000000% 0.000000% 0.000000% 1.048239%
90 Days 0.886001% 0.000000% 0.000000% 0.000000% 0.886001%
0.890513% 0.000000% 0.000000% 0.000000% 0.890513%
120 Days 0.590667% 0.000000% 0.000000% 0.000000% 0.590667%
0.493020% 0.000000% 0.000000% 0.000000% 0.493020%
150 Days 0.708801% 0.000000% 0.000000% 0.000000% 0.708801%
0.718563% 0.000000% 0.000000% 0.000000% 0.718563%
180 Days 0.118133% 0.000000% 0.000000% 0.000000% 0.118133%
0.336531% 0.000000% 0.000000% 0.000000% 0.336531%
Totals 12.522150% 0.000000% 0.000000% 0.000000% 12.522150%
11.685369% 0.000000% 0.000000% 0.000000% 11.685369%
</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 63 0 0 0 63
4,735,068.02 0.00 0.00 0.00 4,735,068.02
60 Days 8 0 0 0 8
599,855.64 0.00 0.00 0.00 599,855.64
90 Days 11 0 0 0 11
986,176.36 0.00 0.00 0.00 986,176.36
120 Days 6 0 0 0 6
570,557.74 0.00 0.00 0.00 570,557.74
150 Days 3 0 0 0 3
144,884.35 0.00 0.00 0.00 144,884.35
180 Days 1 0 0 0 1
349,316.28 0.00 0.00 0.00 349,316.28
Totals 92 0 0 0 92
7,385,858.39 0.00 0.00 0.00 7,385,858.39
30 Days 9.292035% 0.000000% 0.000000% 0.000000% 9.292035%
9.028458% 0.000000% 0.000000% 0.000000% 9.028458%
60 Days 1.179941% 0.000000% 0.000000% 0.000000% 1.179941%
1.143758% 0.000000% 0.000000% 0.000000% 1.143758%
90 Days 1.622419% 0.000000% 0.000000% 0.000000% 1.622419%
1.880364% 0.000000% 0.000000% 0.000000% 1.880364%
120 Days 0.884956% 0.000000% 0.000000% 0.000000% 0.884956%
1.087895% 0.000000% 0.000000% 0.000000% 1.087895%
150 Days 0.442478% 0.000000% 0.000000% 0.000000% 0.442478%
0.276254% 0.000000% 0.000000% 0.000000% 0.276254%
180 Days 0.147493% 0.000000% 0.000000% 0.000000% 0.147493%
0.666049% 0.000000% 0.000000% 0.000000% 0.666049%
Totals 13.569322% 0.000000% 0.000000% 0.000000% 13.569322%
14.082778% 0.000000% 0.000000% 0.000000% 14.082778%
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 92 0 0 0 92
9,203,193.33 0.00 0.00 0.00 9,203,193.33
60 Days 10 0 0 0 10
1,182,254.07 0.00 0.00 0.00 1,182,254.07
90 Days 4 0 0 0 4
527,783.56 0.00 0.00 0.00 527,783.56
120 Days 4 0 0 0 4
267,625.09 0.00 0.00 0.00 267,625.09
150 Days 9 0 0 0 9
1,076,743.25 0.00 0.00 0.00 1,076,743.25
180 Days 1 0 0 0 1
222,818.72 0.00 0.00 0.00 222,818.72
Totals 120 0 0 0 120
12,480,418.02 0.00 0.00 0.00 12,480,418.02
30 Days 9.064039% 0.000000% 0.000000% 0.000000% 9.064039%
7.828255% 0.000000% 0.000000% 0.000000% 7.828255%
60 Days 0.985222% 0.000000% 0.000000% 0.000000% 0.985222%
1.005628% 0.000000% 0.000000% 0.000000% 1.005628%
90 Days 0.394089% 0.000000% 0.000000% 0.000000% 0.394089%
0.448934% 0.000000% 0.000000% 0.000000% 0.448934%
120 Days 0.394089% 0.000000% 0.000000% 0.000000% 0.394089%
0.227642% 0.000000% 0.000000% 0.000000% 0.227642%
150 Days 0.886700% 0.000000% 0.000000% 0.000000% 0.886700%
0.915880% 0.000000% 0.000000% 0.000000% 0.915880%
180 Days 0.098522% 0.000000% 0.000000% 0.000000% 0.098522%
0.189530% 0.000000% 0.000000% 0.000000% 0.189530%
Totals 11.822660% 0.000000% 0.000000% 0.000000% 11.822660%
10.615869% 0.000000% 0.000000% 0.000000% 10.615869%
</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 10.561919%
Weighted Average Net Coupon 9.836712%
Weighted Average Pass-Through Rate 9.483268%
Weighted Average Maturity(Stepdown Calculation ) 327
Beginning Scheduled Collateral Loan Count 1,702
Number Of Loans Paid In Full 9
Ending Scheduled Collateral Loan Count 1,693
Beginning Scheduled Collateral Balance 171,103,121.17
Ending Scheduled Collateral Balance 170,009,826.58
Ending Actual Collateral Balance at 31-Jul-2000 170,009,826.58
Monthly P &I Constant 1,588,856.52
Ending Scheduled Balance for Premium Loans 170,009,826.58
</TABLE>
<TABLE>
<CAPTION>
<S> <C>
Prepayment Penalties 32,111.39
</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 10.780654 10.464485
Weighted Average Net Rate 10.280654 9.638960
Weighted Average Maturity 0.00 0.00
Beginning Loan Count 683 1,019 1,702
Loans Paid In Full 5 4 9
Ending Loan Count 678 1,015 1,693
Beginning Scheduled Balance 52,729,169.06 118,373,952.11 171,103,121.17
Ending scheduled Balance 52,446,031.45 117,563,795.13 170,009,826.58
Record Date 7/31/00 7/31/00
Principal And Interest Constant 502,160.26 1,086,696.26 1,588,856.52
Scheduled Principal 28,447.83 54,427.60 82,875.43
Unscheduled Principal 254,689.78 755,729.38 1,010,419.16
Scheduled Interest 473,712.43 1,032,268.66 1,505,981.09
Servicing Fees 21,970.49 49,322.50 71,292.99
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 714.04 1,602.99 2,317.03
FRY Amount 0.00 0.00 0.00
Special Hazard Fee 0.00 0.00 0.00
Other Fee 13,441.01 34,578.46 48,019.47
Pool Insurance Fee 9,060.55 20,336.86 29,397.41
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 428,526.34 950,834.84 1,379,361.18
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 85,848.66 230,709.06 316,557.72
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 1,040,462.81 2,394,051.73 3,434,514.54
Overcollateralization Deficiency Amount 1,188,691.31 2,685,351.87 3,874,043.17
Base Overcollateralization Amount 0.00 0.00 0.00
Extra Principal Distribution Amount 0.00 0.00 0.00
Excess Cash Amount 85,848.66 230,709.06 316,557.72
</TABLE>
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