|
|
|
|
|
|
|
|
|
|
|
|
|
<TABLE>
<CAPTION>
Accredited Home Lenders, Inc.
Mortgage Pass-Through Certificates
Record Date: 11/30/2000
Distribution Date: 12/26/2000
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% 49,814,771.63 329,607.72 979,654.90
A-2 004735AD3 SEN 6.95000% 110,277,677.19 617,401.83 901,240.05
OC AHL0001OC JUN 0.00000% 4,461,634.93 0.00 0.00
Trust Cert AHL0001TC RES 0.00000% 0.00 0.00 0.00
Totals 164,554,083.75 947,009.55 1,880,894.95
</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 48,835,116.73 1,309,262.62 0.00
A-2 0.00 109,376,437.14 1,518,641.88 0.00
OC 0.00 4,838,640.12 0.00 0.00
Trust Cert 0.00 0.00 0.00 0.00
Totals 0.00 163,050,193.99 2,827,904.50 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 49,814,771.63 28,870.87 950,784.03 0.00 0.00
A-2 120,429,000.00 110,277,677.19 54,234.57 847,005.48 0.00 0.00
OC 1,324,000.00 4,461,634.93 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 174,800,000.00 164,554,083.75 83,105.44 1,797,789.51 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-1 979,654.90 48,835,116.73 0.92060091 979,654.90
A-2 901,240.05 109,376,437.14 0.90822341 901,240.05
OC 0.00 4,838,640.12 3.65456202 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Trust Cert 0.00 0.00 0.00000000 0.00
Totals 1,880,894.95 163,050,193.99 0.93278143 1,880,894.95
</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 53,047,000.00 939.06859257 0.54425076 17.92342696 0.00000000
A-2 120,429,000.00 915.70699076 0.45034477 7.03323518 0.00000000
OC 1,324,000.00 3369.81490181 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 18.46767772 920.60091485 0.92060091 18.46767772
A-2 0.00000000 7.48357995 908.22341081 0.90822341 7.48357995
OC 0.00000000 0.00000000 3,654.56202417 3.65456202 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% 49,814,771.63 329,607.74 0.00 0.00
A-2 120,429,000.00 6.95000% 110,277,677.19 617,401.83 0.00 0.00
OC 1,324,000.00 0.00000% 4,461,634.93 0.00 0.00 0.00
Trust Cert 0.00 0.00000% 0.00 0.00 0.00 0.00
Totals 174,800,000.00 947,009.57 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 0.02 0.00 329,607.72 0.00 48,835,116.73
A-2 0.00 0.00 617,401.83 0.00 109,376,437.14
OC 0.00 0.00 0.00 0.00 4,838,640.12
Trust Cert 0.00 0.00 0.00 0.00 0.00
Totals 0.02 0.00 947,009.55 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% 939.06859257 6.21350387 0.00000000 0.00000000
A-2 120,429,000.00 6.95000% 915.70699076 5.12668734 0.00000000 0.00000000
OC 1,324,000.00 0.00000% 3369.81490181 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 0.00000038 0.00000000 6.21350350 0.00000000 920.60091485
A-2 0.00000000 0.00000000 5.12668734 0.00000000 908.22341081
OC 0.00000000 0.00000000 0.00000000 0.00000000 3654.56202417
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% 160,092,448.82 158,211,553.87 0.00 0.00 91.20083116%
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 2,973,101.56
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 2,973,101.56
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 145,197.06
Payment of Interest and Principal 2,827,904.50
Total Withdrawals (Pool Distribution Amount) 2,973,101.56
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 68,564.21
Trustee Fee- Wells Fargo 2,228.34
FSA Fee Group 1 8,717.59
FSA Fee Group 2 19,298.59
PMI- MGIC Fee 46,055.00
Group 1 Owner Trustee Accrual 103.65
Group 2 Owner Trustee Accrual 229.68
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 145,197.06
</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 0.06 0.00 0.02 0.08
</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 2 3 0 5
274,049.32 638,025.08 0.00 912,074.40
30 Days 15 0 1 0 16
1,053,900.41 0.00 101,190.35 0.00 1,155,090.76
60 Days 10 3 0 0 13
839,195.24 241,464.36 0.00 0.00 1,080,659.60
90 Days 5 5 52 6 68
675,329.89 422,979.61 5,116,298.91 687,134.35 6,901,742.76
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 30 10 56 6 102
2,568,425.54 938,493.29 5,855,514.34 687,134.35 10,049,567.52
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 0.122926% 0.184388% 0.000000% 0.307314%
0.168077% 0.391306% 0.000000% 0.559383%
30 Days 0.921942% 0.000000% 0.061463% 0.000000% 0.983405%
0.646366% 0.000000% 0.062061% 0.000000% 0.708426%
60 Days 0.614628% 0.184388% 0.000000% 0.000000% 0.799017%
0.514685% 0.148092% 0.000000% 0.000000% 0.662777%
90 Days 0.307314% 0.307314% 3.196066% 0.368777% 4.179471%
0.414185% 0.259417% 3.137867% 0.421425% 4.232895%
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 1.843884% 0.614628% 3.441918% 0.368777% 6.269207%
1.575236% 0.575586% 3.591234% 0.421425% 6.163481%
</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 1 1 0 2
98,034.89 198,478.28 0.00 296,513.17
30 Days 6 0 1 0 7
342,286.08 0.00 101,190.35 0.00 443,476.43
60 Days 3 0 0 0 3
228,693.15 0.00 0.00 0.00 228,693.15
90 Days 1 0 29 2 32
92,561.22 0.00 2,750,637.71 94,766.27 2,937,965.20
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 10 1 31 2 44
663,540.45 98,034.89 3,050,306.34 94,766.27 3,906,647.95
0-29 Days 0.153846% 0.153846% 0.000000% 0.307692%
0.194890% 0.394567% 0.000000% 0.589457%
30 Days 0.923077% 0.000000% 0.153846% 0.000000% 1.076923%
0.680451% 0.000000% 0.201162% 0.000000% 0.881614%
60 Days 0.461538% 0.000000% 0.000000% 0.000000% 0.461538%
0.454633% 0.000000% 0.000000% 0.000000% 0.454633%
90 Days 0.153846% 0.000000% 4.461538% 0.307692% 4.923077%
0.184008% 0.000000% 5.468161% 0.188392% 5.840561%
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 1.538462% 0.153846% 4.769231% 0.307692% 6.769231%
1.319093% 0.194890% 6.063890% 0.188392% 7.766264%
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 1 2 0 3
176,014.43 439,546.80 0.00 615,561.23
30 Days 9 0 0 0 9
711,614.33 0.00 0.00 0.00 711,614.33
60 Days 7 3 0 0 10
610,502.09 241,464.36 0.00 0.00 851,966.45
90 Days 4 5 23 4 36
582,768.67 422,979.61 2,365,661.20 592,368.08 3,963,777.56
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 20 9 25 4 58
1,904,885.09 840,458.40 2,805,208.00 592,368.08 6,142,919.57
0-29 Days 0.102354% 0.204708% 0.000000% 0.307062%
0.156114% 0.389851% 0.000000% 0.545965%
30 Days 0.921187% 0.000000% 0.000000% 0.000000% 0.921187%
0.631158% 0.000000% 0.000000% 0.000000% 0.631158%
60 Days 0.716479% 0.307062% 0.000000% 0.000000% 1.023541%
0.541478% 0.214164% 0.000000% 0.000000% 0.755642%
90 Days 0.409417% 0.511771% 2.354145% 0.409417% 3.684749%
0.516880% 0.375157% 2.098196% 0.525394% 3.515627%
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 2.047083% 0.921187% 2.558854% 0.409417% 5.936540%
1.689516% 0.745435% 2.488047% 0.525394% 5.448391%
<FN>
(7) The 90 day delinquency field repesents 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 10.336290%
Weighted Average Net Coupon 9.836295%
Weighted Average Pass-Through Rate 9.479820%
Weighted Average Maturity(Stepdown Calculation ) 323
Beginning Scheduled Collateral Loan Count 1,642
Number Of Loans Paid In Full 15
Ending Scheduled Collateral Loan Count 1,627
Beginning Scheduled Collateral Balance 164,554,083.75
Ending Scheduled Collateral Balance 163,050,193.99
Ending Actual Collateral Balance at 30-Nov-2000 163,050,193.99
Monthly P &I Constant 1,500,505.24
Ending Scheduled Balance for Premium Loans 163,050,193.99
</TABLE>
<TABLE>
<CAPTION>
<S> <C>
Prepayment Penalties Group1 21,859.67
Prepayment Penalties Group 2 21,400.10
</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 11.443860 10.384827
Weighted Average Net Rate 10.624498 9.517949
Weighted Average Maturity (2.00) (2.00)
Beginning Loan Count 658 984 1,642
Loans Paid In Full 8 7 15
Ending Loan Count 650 977 1,627
Beginning Scheduled Balance 51,167,850.83 113,386,232.92 164,554,083.75
Ending scheduled Balance 50,302,794.20 112,747,399.79 163,050,193.99
Record Date 11/30/2000 11/30/2000
Principal And Interest Constant 488,443.79 1,012,061.45 1,500,505.24
Scheduled Principal 28,870.87 54,234.57 83,105.44
Unscheduled Principal 836,185.76 584,598.56 1,420,784.32
Scheduled Interest 487,964.78 981,247.05 1,469,211.83
Servicing Fees 21,319.95 47,244.26 68,564.21
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 692.89 1,535.45 2,228.34
FRY Amount 0.00 0.00 0.00
Special Hazard Fee 0.00 0.00 0.00
Other Fee 12,924.67 33,130.33 46,055.00
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 453,027.27 899,337.01 1,352,364.28
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
Required Overcollateralization Amount 1 2 Total
0.00 0.00 0.00
Overcollateralization Increase Amount 114,598.27 262,406.92 377,005.18
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 1,467,677.47 3,370,962.65 4,838,640.12
Overcollateralization Deficiency Amount 790,226.26 1,740,138.81 2,530,365.07
Base Overcollateralization Amount 0.00 0.00 0.00
Extra Principal Distribution Amount 0.00 0.00 0.00
Excess Cash Amount 114,598.27 262,406.92 377,005.18
</TABLE>
|
|