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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1995-QS1(POOL # 4180)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4180
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FAA1 54,500,000.00 0.00 6.600000 % 0.00
A-2 76110FAB9 82,500,000.00 0.00 6.900000 % 0.00
A-3 76110FAC7 22,250,000.00 0.00 7.300000 % 0.00
A-4 76110FAD5 46,000,000.00 7,783,418.41 7.500000 % 1,042,290.54
A-5 76110FAE3 22,100,000.00 22,100,000.00 7.500000 % 0.00
A-6 76110FAF0 31,109,000.00 31,109,000.00 7.500000 % 0.00
R 514.42 1,132,509.07 0.000000 % 14,260.38
-------------------------------------------------------------------------------
258,459,514.42 62,124,927.48 1,056,550.92
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 48,646.37 1,090,936.91 0.00 0.00 6,741,127.87
A-5 138,125.00 138,125.00 0.00 0.00 22,100,000.00
A-6 194,431.25 194,431.25 0.00 0.00 31,109,000.00
R 78,906.21 93,166.59 0.00 0.00 1,118,248.69
-------------------------------------------------------------------------------
460,108.83 1,516,659.75 0.00 0.00 61,068,376.56
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 169.204748 22.658490 1.057530 23.716020 0.000000 146.546258
A-5 1000.000000 0.000000 6.250000 6.250000 0.000000 1000.000000
A-6 1000.000000 0.000000 6.250000 6.250000 0.000000 1000.000000
R ****.****** ****.****** *****.****** *****.****** 0.000000 ****.******
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1995-QS1 (POOL # 4180)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4180
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,813.26
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 291.07
SUBSERVICER ADVANCES THIS MONTH 37,270.53
MASTER SERVICER ADVANCES THIS MONTH 1,332.18
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 31 2,722,425.42
(B) TWO MONTHLY PAYMENTS: 3 294,902.44
(C) THREE OR MORE MONTHLY PAYMENTS: 5 691,665.80
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 609,876.55
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 61,068,376.56
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 818
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 123,693.03
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 950,972.67
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 98.17704560 % 1.82295440 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 98.16885800 % 1.83114200 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.29321958
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 259.45
POOL TRADING FACTOR: 23.62783073
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1996-QS1(POOL # 4194)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4194
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-I-1 76110FAG8 52,015,000.00 0.00 6.000000 % 0.00
A-I-2 76110FAH6 67,186,000.00 0.00 6.250000 % 0.00
A-I-3 76110FAJ2 22,562,000.00 0.00 6.750000 % 0.00
A-I-4 76110FAK9 31,852,000.00 2,049,552.55 6.900000 % 735,009.22
A-I-5 76110FAL7 14,535,000.00 14,535,000.00 7.050000 % 0.00
A-I-6 76110FAM5 18,417,136.00 18,417,136.00 7.250000 % 0.00
A-I-7 76110FAN3 20,000,000.00 20,000,000.00 6.700000 % 0.00
A-II 76110FAQ6 29,374,968.00 5,442,767.93 6.714772 % 166,944.38
R 0.53 1,233,150.62 0.000000 % 11,407.09
-------------------------------------------------------------------------------
255,942,104.53 61,677,607.10 913,360.69
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-I-1 0.00 0.00 0.00 0.00 0.00
A-I-2 0.00 0.00 0.00 0.00 0.00
A-I-3 0.00 0.00 0.00 0.00 0.00
A-I-4 11,784.93 746,794.15 0.00 0.00 1,314,543.33
A-I-5 85,393.13 85,393.13 0.00 0.00 14,535,000.00
A-I-6 111,270.20 111,270.20 0.00 0.00 18,417,136.00
A-I-7 111,666.67 111,666.67 0.00 0.00 20,000,000.00
A-II 32,921.37 199,865.75 0.00 0.00 5,275,823.55
R 89,500.12 100,907.21 0.00 0.00 1,221,743.53
-------------------------------------------------------------------------------
442,536.42 1,355,897.11 0.00 0.00 60,764,246.41
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-I-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-4 64.346118 23.075764 0.369990 23.445754 0.000000 41.270355
A-I-5 1000.000000 0.000000 5.875000 5.875000 0.000000 1000.000000
A-I-6 1000.000000 0.000000 6.041667 6.041667 0.000000 1000.000000
A-I-7 1000.000000 0.000000 5.583334 5.583334 0.000000 1000.000000
A-II 185.285919 5.683219 1.120729 6.803948 0.000000 179.602700
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1996-QS1 (POOL # 4194)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4194
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,980.11
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,053.55
SUBSERVICER ADVANCES THIS MONTH 47,229.45
MASTER SERVICER ADVANCES THIS MONTH 8,112.90
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 21 3,420,887.24
(B) TWO MONTHLY PAYMENTS: 5 408,240.35
(C) THREE OR MORE MONTHLY PAYMENTS: 5 401,244.30
FORECLOSURES
NUMBER OF LOANS 12
AGGREGATE PRINCIPAL BALANCE 1,325,764.86
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 60,764,246.41
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 660
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 1,016,050.59
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 758,172.11
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 98.00065100 % 1.99934900 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 97.98937100 % 2.01062900 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 735,270.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,217,590.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.03898700
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 271.17
POOL TRADING FACTOR: 23.74140297
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1996-QS1 (POOL # 4194)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4194
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 11,468.18
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 969.19
SUBSERVICER ADVANCES THIS MONTH 37,098.47
MASTER SERVICER ADVANCES THIS MONTH 3,500.21
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 18 2,647,483.13
(B) TWO MONTHLY PAYMENTS: 4 300,071.65
(C) THREE OR MORE MONTHLY PAYMENTS: 5 401,244.30
FORECLOSURES
NUMBER OF LOANS 9
AGGREGATE PRINCIPAL BALANCE 993,009.12
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 55,047,798.33
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 612
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 411,624.39
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 596,162.12
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 0.00000000 % 1.42044490 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 735,270.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,217,590.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.99187402
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 268.70
POOL TRADING FACTOR: 24.29646209
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1996-QS1 (POOL # 4194)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4194
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 1,511.93
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 84.36
SUBSERVICER ADVANCES THIS MONTH 10,130.98
MASTER SERVICER ADVANCES THIS MONTH 4,612.69
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 3 773,404.11
(B) TWO MONTHLY PAYMENTS: 1 108,168.70
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 3
AGGREGATE PRINCIPAL BALANCE 332,755.74
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 5,716,448.08
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 48
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 604,426.20
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 162,009.99
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 0.00000000 % 7.48929350 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 735,270.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,217,590.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.49267598
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 294.95
POOL TRADING FACTOR: 19.46026969
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1996-QS2(POOL # 4201)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4201
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FAS2 40,000,000.00 0.00 6.400000 % 0.00
A-2 76110FAT0 16,000,000.00 0.00 7.000000 % 0.00
A-3 76110FAU7 28,500,000.00 0.00 7.050000 % 0.00
A-4 76110FAV5 15,000,000.00 0.00 7.050000 % 0.00
A-5 76110FAW3 14,000,000.00 0.00 7.350000 % 0.00
A-6 76110FAX1 10,000,000.00 0.00 7.450000 % 0.00
A-7 76110FAY9 26,000,000.00 24,713,027.86 7.250000 % 977,725.44
A-8 76110FAZ6 14,043,411.00 14,043,411.00 7.500000 % 0.00
A-9 76110FBA0 18,190,000.00 18,190,000.00 7.500000 % 0.00
A-10 76110FBB8 178,007.00 89,568.30 0.000000 % 152.78
R 0.00 1,819,114.18 0.000000 % 0.00
-------------------------------------------------------------------------------
181,911,418.00 58,855,121.34 977,878.22
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 0.00 0.00 0.00 0.00 0.00
A-5 0.00 0.00 0.00 0.00 0.00
A-6 0.00 0.00 0.00 0.00 0.00
A-7 149,307.88 1,127,033.32 0.00 0.00 23,735,302.42
A-8 87,771.32 87,771.32 0.00 0.00 14,043,411.00
A-9 113,687.50 113,687.50 0.00 0.00 18,190,000.00
A-10 0.00 152.78 0.00 0.00 89,415.52
R 60,996.09 60,996.09 0.00 0.00 1,819,114.18
-------------------------------------------------------------------------------
411,762.79 1,389,641.01 0.00 0.00 57,877,243.12
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-7 950.501072 37.604825 5.742611 43.347436 0.000000 912.896247
A-8 1000.000000 0.000000 6.250000 6.250000 0.000000 1000.000000
A-9 1000.000000 0.000000 6.250000 6.250000 0.000000 1000.000000
A-10 503.172909 0.858281 0.000000 0.858281 0.000000 502.314628
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1996-QS2 (POOL # 4201)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4201
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,112.55
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 65.35
SUBSERVICER ADVANCES THIS MONTH 30,558.14
MASTER SERVICER ADVANCES THIS MONTH 1,532.77
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 25 2,074,222.94
(B) TWO MONTHLY PAYMENTS: 3 331,347.32
(C) THREE OR MORE MONTHLY PAYMENTS: 6 474,992.06
FORECLOSURES
NUMBER OF LOANS 10
AGGREGATE PRINCIPAL BALANCE 863,970.37
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 57,877,243.12
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 667
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 185,652.31
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 896,421.86
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 96.90916590 % 3.09083410 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 96.85694400 % 3.14305600 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.81006321
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 276.13
POOL TRADING FACTOR: 31.81616842
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS3(POOL # 4211)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4211
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-I-1 76110FBC6 42,855,000.00 0.00 6.780000 % 0.00
A-I-2 76110FBD4 26,000,000.00 0.00 7.150000 % 0.00
A-I-3 76110FBE2 10,596,000.00 0.00 7.290000 % 0.00
A-I-4 76110FBF9 25,000,000.00 0.00 7.250000 % 0.00
A-I-5 76110FBG7 18,587,000.00 0.00 7.460000 % 0.00
A-I-6 76110FBH5 21,696,000.00 0.00 7.750000 % 0.00
A-I-7 76110FBJ1 8,047,000.00 0.00 7.750000 % 0.00
A-I-8 76110FBK8 17,436,000.00 1,231,598.33 7.750000 % 917,971.97
A-I-9 76110FBL6 25,145,000.00 25,145,000.00 7.750000 % 0.00
A-I-10 76110FBM4 19,000,000.00 19,000,000.00 7.750000 % 0.00
A-I-11 76110FBN2 15,875,562.00 15,875,562.00 7.750000 % 0.00
A-II 76110FBP7 20,551,438.00 6,290,585.37 7.750000 % 81,697.33
A-P 76110FBQ5 1,166,695.86 647,453.54 0.000000 % 2,656.45
R-I 76110FBR3 100.00 0.00 7.750000 % 0.00
R-II 76110FBS1 100.00 0.00 7.750000 % 0.00
M-1 76110FBT9 12,528,500.00 11,727,143.30 7.750000 % 16,305.32
M-2 76110FBU6 5,568,000.00 5,211,855.63 7.750000 % 7,246.52
M-3 76110FBV4 4,176,000.00 3,908,891.77 7.750000 % 5,434.89
B-1 1,809,600.00 1,693,853.07 7.750000 % 2,355.12
B-2 696,000.00 651,481.94 7.750000 % 905.81
B-3 1,670,738.96 1,085,580.37 7.750000 % 1,509.38
A-V 76110FHY2 0.00 0.00 0.673810 % 0.00
STRIP 0.00 0.00 0.000000 % 0.00
-------------------------------------------------------------------------------
278,404,734.82 92,469,005.32 1,036,082.79
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-I-1 0.00 0.00 0.00 0.00 0.00
A-I-2 0.00 0.00 0.00 0.00 0.00
A-I-3 0.00 0.00 0.00 0.00 0.00
A-I-4 0.00 0.00 0.00 0.00 0.00
A-I-5 0.00 0.00 0.00 0.00 0.00
A-I-6 0.00 0.00 0.00 0.00 0.00
A-I-7 0.00 0.00 0.00 0.00 0.00
A-I-8 7,946.85 925,918.82 0.00 0.00 313,626.36
A-I-9 162,247.37 162,247.37 0.00 0.00 25,145,000.00
A-I-10 122,596.94 122,596.94 0.00 0.00 19,000,000.00
A-I-11 102,436.60 102,436.60 0.00 0.00 15,875,562.00
A-II 40,589.82 122,287.15 0.00 0.00 6,208,888.04
A-P 0.00 2,656.45 0.00 0.00 644,797.09
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 75,669.05 91,974.37 0.00 0.00 11,710,837.98
M-2 33,629.34 40,875.86 0.00 0.00 5,204,609.11
M-3 25,222.01 30,656.90 0.00 0.00 3,903,456.88
B-1 10,929.54 13,284.66 0.00 0.00 1,691,497.95
B-2 4,203.67 5,109.48 0.00 0.00 650,576.13
B-3 7,004.68 8,514.06 0.00 0.00 1,084,070.99
A-V 51,875.02 51,875.02 0.00 0.00 0.00
STRIP 0.00 0.00 0.00 0.00 0.00
-------------------------------------------------------------------------------
644,350.89 1,680,433.68 0.00 0.00 91,432,922.53
===============================================================================
Run: 12/22/00 09:52:17
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS3(POOL # 4211)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4211
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-I-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-6 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-7 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-8 70.635371 52.648083 0.455773 53.103856 0.000000 17.987288
A-I-9 1000.000000 0.000000 6.452470 6.452470 0.000000 1000.000000
A-I-10 1000.000000 0.000000 6.452471 6.452471 0.000000 1000.000000
A-I-11 1000.000000 0.000000 6.452471 6.452471 0.000000 1000.000000
A-II 306.089791 3.975261 1.975036 5.950297 0.000000 302.114530
A-P 554.946291 2.276897 0.000000 2.276897 0.000000 552.669394
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 936.037299 1.301458 6.039753 7.341211 0.000000 934.735841
M-2 936.037290 1.301458 6.039752 7.341210 0.000000 934.735832
M-3 936.037301 1.301458 6.039753 7.341211 0.000000 934.735843
B-1 936.037284 1.301459 6.039755 7.341214 0.000000 934.735826
B-2 936.037270 1.301451 6.039756 7.341207 0.000000 934.735819
B-3 649.760613 0.903421 4.192564 5.095985 0.000000 648.857190
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
STRIP 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS3 (POOL # 4211)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4211
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 19,233.26
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,360.68
SUBSERVICER ADVANCES THIS MONTH 28,168.10
MASTER SERVICER ADVANCES THIS MONTH 1,827.44
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 23 1,341,031.22
(B) TWO MONTHLY PAYMENTS: 8 521,945.43
(C) THREE OR MORE MONTHLY PAYMENTS: 6 859,275.18
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 716,498.86
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 91,432,922.53
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,015
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 4
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 227,302.53
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 900,464.05
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 73.55870640 % 22.54581500 % 3.71034100 %
PREPAYMENT PERCENT 89.51977360 % 0.00000000 % 10.48022640 %
NEXT DISTRIBUTION 73.29491170 % 22.76959261 % 3.77378100 %
BANKRUPTCY AMOUNT AVAILABLE 133,486.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,895,302.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.70048400
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 274.80
POOL TRADING FACTOR: 32.84172684
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS3 (POOL # 4211)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4211
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 17,529.30
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,549.00
SUBSERVICER ADVANCES THIS MONTH 27,374.94
MASTER SERVICER ADVANCES THIS MONTH 1,827.44
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 21 1,281,250.10
(B) TWO MONTHLY PAYMENTS: 8 521,945.43
(C) THREE OR MORE MONTHLY PAYMENTS: 6 859,275.18
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 716,498.86
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 83,330,797.12
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 922
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 4
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 227,302.53
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 853,034.14
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 73.11074810 % 0.00000000 % 0.00000000 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 72.83392440 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 133,486.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,895,302.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.74582575
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 290.05
POOL TRADING FACTOR: 32.63935699
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS3 (POOL # 4211)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4211
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 1,703.96
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 811.68
SUBSERVICER ADVANCES THIS MONTH 793.16
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 2 59,781.12
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 8,102,125.41
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 93
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 47,429.91
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 78.22573320 % 0.00000000 % 0.00000000 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 78.09833470 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 133,486.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,895,302.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.23414243
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 117.97
POOL TRADING FACTOR: 35.07866434
................................................................................
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Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS4(POOL # 4216)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4216
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-I-1 76110FBW2 45,914,000.00 0.00 6.850000 % 0.00
A-I-2 76110FBX0 26,945,000.00 0.00 11.000000 % 0.00
A-I-3 76110FBY8 15,646,000.00 0.00 7.300000 % 0.00
A-I-4 76110FBZ5 32,740,000.00 0.00 7.500000 % 0.00
A-I-5 76110FCA9 10,023,000.00 0.00 7.700000 % 0.00
A-I-6 76110FCB7 26,811,000.00 0.00 8.000000 % 0.00
A-I-7 76110FCC5 18,046,000.00 5,998,592.38 8.000000 % 982,254.61
A-I-8 76110FCD3 9,094,000.00 9,094,000.00 8.000000 % 0.00
A-I-9 76110FCE1 10,284,000.00 10,284,000.00 8.000000 % 0.00
A-I-10 76110FCF8 27,538,000.00 27,538,000.00 7.900000 % 0.00
A-II-1 76110FCG6 16,021,000.00 0.00 7.250000 % 0.00
A-II-2 76110FCH4 8,580,000.00 5,989,626.72 7.650000 % 222,071.44
A-P 76110FCJ0 3,039,637.99 1,449,738.19 0.000000 % 13,139.57
A-V-1 0.00 0.00 0.903562 % 0.00
A-V-2 0.00 0.00 0.353879 % 0.00
R-I 76110FCK7 100.00 0.00 8.000000 % 0.00
R-II 76110FCL5 100.00 0.00 8.000000 % 0.00
M-1 76110FCM3 13,230,500.00 12,370,767.46 8.000000 % 18,456.08
M-2 76110FCN1 5,570,800.00 5,208,803.24 8.000000 % 7,771.07
M-3 76110FCP6 4,456,600.00 4,167,005.21 8.000000 % 6,216.80
B-1 76110FCR2 2,228,400.00 2,083,596.12 8.000000 % 3,108.54
B-2 76110FCS0 696,400.00 653,322.26 8.000000 % 974.70
B-3 76110FCT8 1,671,255.97 669,715.51 8.000000 % 999.16
STRIP 0.00 0.00 0.144662 % 0.00
-------------------------------------------------------------------------------
278,535,793.96 85,507,167.09 1,254,991.97
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-I-1 0.00 0.00 0.00 0.00 0.00
A-I-2 0.00 0.00 0.00 0.00 0.00
A-I-3 0.00 0.00 0.00 0.00 0.00
A-I-4 0.00 0.00 0.00 0.00 0.00
A-I-5 0.00 0.00 0.00 0.00 0.00
A-I-6 0.00 0.00 0.00 0.00 0.00
A-I-7 39,972.52 1,022,227.13 0.00 0.00 5,016,337.77
A-I-8 60,599.24 60,599.24 0.00 0.00 9,094,000.00
A-I-9 68,528.98 68,528.98 0.00 0.00 10,284,000.00
A-I-10 181,209.80 181,209.80 0.00 0.00 27,538,000.00
A-II-1 0.00 0.00 0.00 0.00 0.00
A-II-2 38,166.59 260,238.03 0.00 0.00 5,767,555.28
A-P 0.00 13,139.57 0.00 0.00 1,436,598.62
A-V-1 43,084.03 43,084.03 0.00 0.00 0.00
A-V-2 8,330.78 8,330.78 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 82,434.46 100,890.54 0.00 0.00 12,352,311.38
M-2 34,709.64 42,480.71 0.00 0.00 5,201,032.17
M-3 27,767.46 33,984.26 0.00 0.00 4,160,788.41
B-1 13,884.35 16,992.89 0.00 0.00 2,080,487.58
B-2 4,353.51 5,328.21 0.00 0.00 652,347.56
B-3 4,462.75 5,461.91 0.00 0.00 668,716.36
STRIP 4,039.97 4,039.97 0.00 0.00 0.00
-------------------------------------------------------------------------------
611,544.08 1,866,536.05 0.00 0.00 84,252,175.13
===============================================================================
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Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS4(POOL # 4216)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4216
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-I-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-6 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-7 332.405651 54.430600 2.215035 56.645635 0.000000 277.975051
A-I-8 1000.000000 0.000000 6.663651 6.663651 0.000000 1000.000000
A-I-9 1000.000000 0.000000 6.663650 6.663650 0.000000 1000.000000
A-I-10 1000.000000 0.000000 6.580354 6.580354 0.000000 1000.000000
A-II-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-II-2 698.091692 25.882452 4.448321 30.330773 0.000000 672.209240
A-P 476.944358 4.322743 0.000000 4.322743 0.000000 472.621615
A-V-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-V-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 935.018893 1.394965 6.230638 7.625603 0.000000 933.623928
M-2 935.018891 1.394965 6.230638 7.625603 0.000000 933.623927
M-3 935.018896 1.394965 6.230638 7.625603 0.000000 933.623931
B-1 935.018901 1.394965 6.230636 7.625601 0.000000 933.623937
B-2 938.142246 1.399627 6.251450 7.651077 0.000000 936.742619
B-3 400.725874 0.597850 2.670297 3.268147 0.000000 400.128033
STRIP 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS4 (POOL # 4216)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4216
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 17,747.28
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,361.22
SUBSERVICER ADVANCES THIS MONTH 35,687.95
MASTER SERVICER ADVANCES THIS MONTH 3,310.19
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 43 2,692,274.86
(B) TWO MONTHLY PAYMENTS: 5 306,110.66
(C) THREE OR MORE MONTHLY PAYMENTS: 2 80,523.24
FORECLOSURES
NUMBER OF LOANS 9
AGGREGATE PRINCIPAL BALANCE 962,758.25
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 84,252,175.13
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,027
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 292,224.94
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,123,560.43
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 70.07616090 % 25.43246000 % 3.98403320 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 69.67275420 % 25.77278501 % 4.10738130 %
BANKRUPTCY AMOUNT AVAILABLE 167,584.00
FRAUD AMOUNT AVAILABLE 1,184,931.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,669,705.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.91563600
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 271.06
POOL TRADING FACTOR: 30.24823989
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS4 (POOL # 4216)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4216
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 16,045.23
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,216.39
SUBSERVICER ADVANCES THIS MONTH 28,320.36
MASTER SERVICER ADVANCES THIS MONTH 1,828.11
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 20 2,089,666.95
(B) TWO MONTHLY PAYMENTS: 4 298,245.03
(C) THREE OR MORE MONTHLY PAYMENTS: 2 80,523.24
FORECLOSURES
NUMBER OF LOANS 9
AGGREGATE PRINCIPAL BALANCE 962,758.25
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 76,165,059.43
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 844
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 213,894.07
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 934,513.74
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 0.00000000 % 0.00000000 % 3.98995420 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 0.00000000 % 0.00000000 % 4.03734560 %
BANKRUPTCY AMOUNT AVAILABLE 167,584.00
FRAUD AMOUNT AVAILABLE 1,184,931.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,669,705.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.92752181
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 287.40
POOL TRADING FACTOR: 30.36952718
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS4 (POOL # 4216)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4216
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 1,702.05
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 144.83
SUBSERVICER ADVANCES THIS MONTH 7,367.59
MASTER SERVICER ADVANCES THIS MONTH 1,482.08
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 23 602,607.91
(B) TWO MONTHLY PAYMENTS: 1 7,865.63
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 8,087,115.70
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 183
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 78,330.87
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 189,046.69
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 0.00000000 % 0.00000000 % 3.92911880 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 0.00000000 % 0.00000000 % 4.03734560 %
BANKRUPTCY AMOUNT AVAILABLE 167,584.00
FRAUD AMOUNT AVAILABLE 1,184,931.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,669,705.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.80369310
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 117.13
POOL TRADING FACTOR: 29.15175145
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS6(POOL # 4220)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4220
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A 76110FCQ4 138,145,180.00 35,488,814.61 6.977500 % 1,044,802.11
R 973,833.13 2,337,461.93 0.000000 % 0.00
-------------------------------------------------------------------------------
139,119,013.13 37,826,276.54 1,044,802.11
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A 199,390.11 1,244,192.22 0.00 0.00 34,444,012.50
R 0.00 0.00 51,021.66 0.00 2,388,483.59
-------------------------------------------------------------------------------
199,390.11 1,244,192.22 51,021.66 0.00 36,832,496.09
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A 256.895062 7.563073 1.443337 9.006410 0.000000 249.331989
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:32 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS6 (POOL # 4220)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4220
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 11,500.85
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 16,665.01
MASTER SERVICER ADVANCES THIS MONTH 2,093.06
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 11 815,069.21
(B) TWO MONTHLY PAYMENTS: 5 489,535.69
(C) THREE OR MORE MONTHLY PAYMENTS: 2 106,336.75
FORECLOSURES
NUMBER OF LOANS 3
AGGREGATE PRINCIPAL BALANCE 540,064.24
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 36,832,496.09
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 513
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 269,917.62
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 903,333.26
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 93.82053390 % 6.17946610 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 93.51528180 % 6.48471820 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 395,888.00
SPECIAL HAZARD AMOUNT AVAILABLE 882,448.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.49562069
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 229.77
POOL TRADING FACTOR: 26.47553002
................................................................................
Run: 12/22/00 09:52:18 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS5(POOL # 4222)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4222
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-I-1 76110FCU5 23,848,000.00 0.00 9.500000 % 0.00
A-I-2 76110FCV3 25,000,000.00 0.00 7.600000 % 0.00
A-I-3 76110FCW1 12,373,000.00 0.00 6.650000 % 0.00
A-I-4 76110FCX9 7,100,000.00 0.00 7.450000 % 0.00
A-I-5 76110FCY7 10,137,000.00 0.00 7.600000 % 0.00
A-I-6 76110FCZ4 5,558,000.00 0.00 7.800000 % 0.00
A-I-7 76110FDA8 16,926,000.00 0.00 8.000000 % 0.00
A-I-8 76110FDB6 6,884,000.00 0.00 8.000000 % 0.00
A-I-9 76110FDC4 11,229,000.00 10,562,870.87 8.000000 % 421,701.13
A-I-10 76110FDD2 22,501,000.00 22,501,000.00 8.000000 % 0.00
A-II-1 76110FDE0 11,162,000.00 0.00 8.000000 % 0.00
A-II-2 76110FDF7 4,525,000.00 4,363,789.15 8.000000 % 26,574.75
A-P 76110FDG5 1,105,878.69 589,628.60 0.000000 % 1,280.76
A-V-1 796QS5AV1 0.00 0.00 1.010705 % 0.00
A-V-2 796QS5AV2 0.00 0.00 0.379021 % 0.00
R 76110FDH3 100.00 0.00 8.000000 % 0.00
M-1 76110FDJ9 7,918,500.00 7,275,099.01 8.000000 % 10,587.09
M-2 76110FDK6 3,958,800.00 3,641,390.24 8.000000 % 5,299.13
M-3 76110FDL4 2,815,100.00 2,592,541.59 8.000000 % 3,772.80
B-1 76110FDM2 1,407,600.00 1,310,715.65 8.000000 % 1,907.42
B-2 76110FDN0 439,800.00 413,949.52 8.000000 % 602.40
B-3 76110FDP5 1,055,748.52 535,068.42 8.000000 % 0.00
-------------------------------------------------------------------------------
175,944,527.21 53,786,053.05 471,725.48
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-I-1 0.00 0.00 0.00 0.00 0.00
A-I-2 0.00 0.00 0.00 0.00 0.00
A-I-3 0.00 0.00 0.00 0.00 0.00
A-I-4 0.00 0.00 0.00 0.00 0.00
A-I-5 0.00 0.00 0.00 0.00 0.00
A-I-6 0.00 0.00 0.00 0.00 0.00
A-I-7 0.00 0.00 0.00 0.00 0.00
A-I-8 0.00 0.00 0.00 0.00 0.00
A-I-9 70,397.59 492,098.72 0.00 0.00 10,141,169.74
A-I-10 149,960.77 149,960.77 0.00 0.00 22,501,000.00
A-II-1 0.00 0.00 0.00 0.00 0.00
A-II-2 29,083.03 55,657.78 0.00 0.00 4,337,214.40
A-P 0.00 1,280.76 0.00 0.00 588,347.84
A-V-1 32,867.95 32,867.95 0.00 0.00 0.00
A-V-2 4,657.47 4,657.47 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 48,485.82 59,072.91 0.00 0.00 7,264,511.92
M-2 24,268.50 29,567.63 0.00 0.00 3,636,091.11
M-3 17,278.32 21,051.12 0.00 0.00 2,588,768.79
B-1 8,735.43 10,642.85 0.00 0.00 1,308,808.23
B-2 2,758.82 3,361.22 0.00 0.00 413,347.12
B-3 2,679.23 2,679.23 0.00 0.00 512,117.97
-------------------------------------------------------------------------------
391,172.93 862,898.41 0.00 0.00 53,291,377.12
===============================================================================
Run: 12/22/00 09:52:18
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS5(POOL # 4222)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4222
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-I-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-6 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-7 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-8 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-9 940.677787 37.554647 6.269266 43.823913 0.000000 903.123140
A-I-10 1000.000000 0.000000 6.664627 6.664627 0.000000 1000.000000
A-II-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-II-2 964.373293 5.872873 6.427189 12.300062 0.000000 958.500420
A-P 533.176564 1.158138 0.000000 1.158138 0.000000 532.018426
A-V-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-V-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 918.747112 1.337007 6.123107 7.460114 0.000000 917.410105
M-2 919.821724 1.338570 6.130267 7.468837 0.000000 918.483154
M-3 920.941206 1.340201 6.137729 7.477930 0.000000 919.601005
B-1 931.170539 1.355087 6.205904 7.560991 0.000000 929.815452
B-2 941.222192 1.369714 6.272897 7.642611 0.000000 939.852478
B-3 506.814274 0.000000 2.537754 2.537754 0.000000 485.075717
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS5 (POOL # 4222)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4222
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 11,145.02
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,072.57
SUBSERVICER ADVANCES THIS MONTH 27,216.41
MASTER SERVICER ADVANCES THIS MONTH 587.69
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 15 1,354,406.89
(B) TWO MONTHLY PAYMENTS: 5 612,351.89
(C) THREE OR MORE MONTHLY PAYMENTS: 3 406,297.53
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 883,753.10
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 53,291,377.12
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 650
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 66,530.05
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 376,096.17
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 70.35747310 % 25.11623400 % 4.20133750 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 70.16557610 % 25.31248496 % 4.23936410 %
BANKRUPTCY AMOUNT AVAILABLE 125,000.00
FRAUD AMOUNT AVAILABLE 547,274.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,642,730.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.08054100
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 273.75
POOL TRADING FACTOR: 30.28873814
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS5 (POOL # 4222)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4222
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 9,929.33
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,662.62
SUBSERVICER ADVANCES THIS MONTH 26,661.72
MASTER SERVICER ADVANCES THIS MONTH 587.69
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 13 1,308,354.29
(B) TWO MONTHLY PAYMENTS: 5 612,351.89
(C) THREE OR MORE MONTHLY PAYMENTS: 3 406,297.53
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 883,753.10
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 47,487,231.25
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 550
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 66,530.05
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 372,759.86
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 69.78080130 % 0.00000000 % 4.21971870 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 69.56482560 % 0.00000000 % 4.28652340 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 547,274.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,642,730.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.10043044
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 292.37
POOL TRADING FACTOR: 29.97128157
Run: 12/22/00 09:52:18 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS5 (POOL # 4222)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4222
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 1,215.69
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 409.95
SUBSERVICER ADVANCES THIS MONTH 554.69
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 2 46,052.60
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 5,804,145.87
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 100
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,336.31
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 75.05727900 % 0.00000000 % 4.21971880 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 75.04295890 % 0.00000000 % 4.25358430 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 547,274.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,642,730.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.91781059
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 121.40
POOL TRADING FACTOR: 33.16260165
................................................................................
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Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS7(POOL # 4228)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4228
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-I-1 76110FDQ3 20,106,154.00 0.00 7.050000 % 0.00
A-I-2 76110FDR1 43,322,483.00 0.00 0.000000 % 0.00
A-I-3 76110FDS9 0.00 0.00 0.000000 % 0.00
A-I-4 76110FDT7 13,330,948.00 0.00 7.125000 % 0.00
A-I-5 76110FDU4 24,973,716.00 0.00 7.600000 % 0.00
A-I-6 76110FDV2 0.00 0.00 8.000000 % 0.00
A-I-7 76110FDW0 1,000,000.00 0.00 7.700000 % 0.00
A-I-8 76110FDX8 9,539,699.00 0.00 7.700000 % 0.00
A-I-9 76110FDY6 22,526,000.00 0.00 8.000000 % 0.00
A-I-10 76110FDZ3 11,650,000.00 3,855,897.95 8.000000 % 590,859.92
A-I-11 76110FEA7 30,421,000.00 30,421,000.00 8.000000 % 0.00
A-I-12 76110FEB5 8,619,000.00 8,619,000.00 8.000000 % 0.00
A-II 76110FEC3 20,104,000.00 6,647,520.42 8.000000 % 677,488.44
A-P 76110FED1 601,147.92 271,456.97 0.000000 % 552.38
A-V-1 796QS7AV1 0.00 0.00 0.880936 % 0.00
A-V-2 796QS7AV2 0.00 0.00 0.437869 % 0.00
R-I 76110FEE9 100.00 0.00 8.000000 % 0.00
R-II 76110FEF6 100.00 0.00 8.000000 % 0.00
M-1 76110FEG4 9,114,600.00 8,511,113.93 8.000000 % 16,701.44
M-2 76110FEH2 5,126,400.00 4,786,976.33 8.000000 % 9,393.53
M-3 76110FEJ8 3,645,500.00 3,404,128.08 8.000000 % 6,679.95
B-1 1,822,700.00 1,702,017.37 8.000000 % 3,339.88
B-2 569,600.00 531,886.32 8.000000 % 1,043.73
B-3 1,366,716.75 860,209.44 8.000000 % 1,687.88
-------------------------------------------------------------------------------
227,839,864.67 69,611,206.81 1,307,747.15
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-I-1 0.00 0.00 0.00 0.00 0.00
A-I-2 0.00 0.00 0.00 0.00 0.00
A-I-3 0.00 0.00 0.00 0.00 0.00
A-I-4 0.00 0.00 0.00 0.00 0.00
A-I-5 0.00 0.00 0.00 0.00 0.00
A-I-6 0.00 0.00 0.00 0.00 0.00
A-I-7 0.00 0.00 0.00 0.00 0.00
A-I-8 0.00 0.00 0.00 0.00 0.00
A-I-9 0.00 0.00 0.00 0.00 0.00
A-I-10 25,691.15 616,551.07 0.00 0.00 3,265,038.03
A-I-11 202,689.61 202,689.61 0.00 0.00 30,421,000.00
A-I-12 57,426.83 57,426.83 0.00 0.00 8,619,000.00
A-II 44,291.22 721,779.66 0.00 0.00 5,970,031.98
A-P 0.00 552.38 0.00 0.00 270,904.59
A-V-1 39,606.12 39,606.12 0.00 0.00 0.00
A-V-2 5,699.62 5,699.62 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 56,708.01 73,409.45 0.00 0.00 8,494,412.49
M-2 31,894.76 41,288.29 0.00 0.00 4,777,582.80
M-3 22,681.09 29,361.04 0.00 0.00 3,397,448.13
B-1 11,340.23 14,680.11 0.00 0.00 1,698,677.49
B-2 3,543.86 4,587.59 0.00 0.00 530,842.59
B-3 5,731.42 7,419.30 0.00 0.00 840,480.66
-------------------------------------------------------------------------------
507,303.92 1,815,051.07 0.00 0.00 68,285,418.76
===============================================================================
Run: 12/22/00 09:52:18
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS7(POOL # 4228)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4228
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-I-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-6 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-7 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-8 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-9 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-10 330.978365 50.717590 2.205249 52.922839 0.000000 280.260775
A-I-11 1000.000000 0.000000 6.662819 6.662819 0.000000 1000.000000
A-I-12 1000.000000 0.000000 6.662818 6.662818 0.000000 1000.000000
A-II 330.656607 33.699186 2.203105 35.902291 0.000000 296.957420
A-P 451.564350 0.918878 0.000000 0.918878 0.000000 450.645473
A-V-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-V-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 933.789078 1.832383 6.221667 8.054050 0.000000 931.956695
M-2 933.789078 1.832383 6.221668 8.054051 0.000000 931.956695
M-3 933.789077 1.832382 6.221668 8.054050 0.000000 931.956695
B-1 933.789088 1.832381 6.221666 8.054047 0.000000 931.956707
B-2 933.789185 1.832391 6.221664 8.054055 0.000000 931.956794
B-3 629.398476 1.234989 4.193568 5.428557 0.000000 614.963314
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:18 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS7 (POOL # 4228)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4228
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 14,297.88
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,407.87
SUBSERVICER ADVANCES THIS MONTH 37,199.06
MASTER SERVICER ADVANCES THIS MONTH 1,377.04
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 30 2,894,526.20
(B) TWO MONTHLY PAYMENTS: 4 239,016.76
(C) THREE OR MORE MONTHLY PAYMENTS: 8 817,977.89
FORECLOSURES
NUMBER OF LOANS 6
AGGREGATE PRINCIPAL BALANCE 423,506.71
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 68,285,418.76
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 816
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 161,110.49
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,120,565.77
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 71.45024100 % 23.99357700 % 4.44484910 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 70.97760030 % 24.41142446 % 4.51374350 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 339,246.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,605,368.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.07964600
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 274.79
POOL TRADING FACTOR: 29.97079500
Run: 12/22/00 09:52:18 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS7 (POOL # 4228)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4228
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,663.04
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,407.87
SUBSERVICER ADVANCES THIS MONTH 34,017.96
MASTER SERVICER ADVANCES THIS MONTH 1,377.04
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 27 2,676,576.89
(B) TWO MONTHLY PAYMENTS: 4 239,016.76
(C) THREE OR MORE MONTHLY PAYMENTS: 7 761,480.34
FORECLOSURES
NUMBER OF LOANS 6
AGGREGATE PRINCIPAL BALANCE 423,506.71
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 60,543,376.23
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 689
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 161,110.49
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 476,651.71
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 70.38591940 % 0.00000000 % ***.******** %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 70.15185430 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 339,246.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,605,368.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.11771086
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 294.59
POOL TRADING FACTOR: 29.46520565
Run: 12/22/00 09:52:18 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS7 (POOL # 4228)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4228
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 1,634.84
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 3,181.10
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 3 217,949.31
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 1 56,497.55
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 7,742,042.53
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 127
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 643,914.06
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 79.17591920 % 0.00000000 % ***.******** %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 77.43666750 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 339,246.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,605,368.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.78197657
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 119.93
POOL TRADING FACTOR: 34.61564816
................................................................................
Run: 12/22/00 09:51:34 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS8(POOL # 4231)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4231
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FEK5 4,000,000.00 0.00 7.400000 % 0.00
A-2 76110FEL3 4,074,824.00 0.00 7.300000 % 0.00
A-3 76110FEM1 13,128,206.00 0.00 7.050000 % 0.00
A-4 76110FEN9 3,765,148.00 0.00 7.300000 % 0.00
A-5 76110FEP4 10,500,000.00 0.00 7.400000 % 0.00
A-6 76110FEQ2 2,600,500.00 0.00 7.400000 % 0.00
A-7 76110FER0 31,579,563.00 657,722.64 7.115000 % 212,632.64
A-8 76110FES8 0.00 0.00 1.885000 % 0.00
A-9 76110FET6 32,965,000.00 0.00 0.000000 % 0.00
A-10 76110FEU3 20,953,719.00 2,349,003.90 7.400000 % 759,402.32
A-11 76110FEV1 13,975,000.00 13,975,000.00 7.750000 % 0.00
A-12 76110FEW9 2,000,000.00 2,000,000.00 7.750000 % 0.00
A-13 76110FEX7 20,646,958.00 20,646,958.00 7.750000 % 0.00
A-14 76110FEY5 115,824.70 49,087.43 0.000000 % 84.68
A-15-1 96QS8A151 0.00 0.00 0.961742 % 0.00
A-15-2 96QS8A152 0.00 0.00 0.512205 % 0.00
R-I 76110FEZ2 100.00 0.00 7.750000 % 0.00
R-II 76110FFA6 100.00 0.00 7.750000 % 0.00
M-1 76110FFB4 6,661,000.00 6,236,049.97 7.750000 % 9,395.03
M-2 76110FFC2 4,440,700.00 4,157,397.87 7.750000 % 6,263.40
M-3 76110FFD0 3,108,500.00 2,910,187.88 7.750000 % 4,384.39
B-1 1,509,500.00 1,413,198.82 7.750000 % 2,129.08
B-2 444,000.00 415,674.25 7.750000 % 626.24
B-3 1,154,562.90 883,927.72 7.750000 % 1,331.70
-------------------------------------------------------------------------------
177,623,205.60 55,694,208.48 996,249.48
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 0.00 0.00 0.00 0.00 0.00
A-5 0.00 0.00 0.00 0.00 0.00
A-6 0.00 0.00 0.00 0.00 0.00
A-7 3,898.44 216,531.08 0.00 0.00 445,090.00
A-8 1,032.82 1,032.82 0.00 0.00 0.00
A-9 0.00 0.00 0.00 0.00 0.00
A-10 14,480.66 773,882.98 0.00 0.00 1,589,601.58
A-11 90,224.92 90,224.92 0.00 0.00 13,975,000.00
A-12 12,912.33 12,912.33 0.00 0.00 2,000,000.00
A-13 133,300.19 133,300.19 0.00 0.00 20,646,958.00
A-14 0.00 84.68 0.00 0.00 49,002.75
A-15-1 35,737.94 35,737.94 0.00 0.00 0.00
A-15-2 4,731.07 4,731.07 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 40,260.97 49,656.00 0.00 0.00 6,226,654.94
M-2 26,840.85 33,104.25 0.00 0.00 4,151,134.47
M-3 18,788.65 23,173.04 0.00 0.00 2,905,803.49
B-1 9,123.85 11,252.93 0.00 0.00 1,411,069.74
B-2 2,683.66 3,309.90 0.00 0.00 415,048.01
B-3 5,706.78 7,038.48 0.00 0.00 879,178.51
-------------------------------------------------------------------------------
399,723.13 1,395,972.61 0.00 0.00 54,694,541.49
===============================================================================
Run: 12/22/00 09:51:34
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS8(POOL # 4231)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4231
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-7 20.827478 6.733236 0.123448 6.856684 0.000000 14.094242
A-8 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-9 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-10 112.104391 36.241887 0.691078 36.932965 0.000000 75.862504
A-11 1000.000000 0.000000 6.456166 6.456166 0.000000 1000.000000
A-12 1000.000000 0.000000 6.456165 6.456165 0.000000 1000.000000
A-13 1000.000000 0.000000 6.456166 6.456166 0.000000 1000.000000
A-14 423.807962 0.731105 0.000000 0.731105 0.000000 423.076857
A-15-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-15-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 936.203268 1.410453 6.044283 7.454736 0.000000 934.792815
M-2 936.203272 1.410453 6.044284 7.454737 0.000000 934.792819
M-3 936.203275 1.410452 6.044282 7.454734 0.000000 934.792823
B-1 936.203259 1.410454 6.044286 7.454740 0.000000 934.792806
B-2 936.203266 1.410450 6.044279 7.454729 0.000000 934.792815
B-3 765.595118 1.153424 4.942806 6.096230 0.000000 761.481691
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:34 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1996-QS8 (POOL # 4231)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4231
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 11,467.11
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 32,258.15
MASTER SERVICER ADVANCES THIS MONTH 1,094.17
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 24 2,475,766.39
(B) TWO MONTHLY PAYMENTS: 6 276,416.34
(C) THREE OR MORE MONTHLY PAYMENTS: 4 733,690.27
FORECLOSURES
NUMBER OF LOANS 4
AGGREGATE PRINCIPAL BALANCE 461,730.37
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 54,694,541.49
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 627
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 134,883.56
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 903,881.81
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 71.21681790 % 23.90800000 % 4.87518180 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 70.74072370 % 24.28687130 % 4.95062600 %
BANKRUPTCY AMOUNT AVAILABLE 158,130.00
FRAUD AMOUNT AVAILABLE 3,552,464.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,776,232.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.94092989
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 293.72
POOL TRADING FACTOR: 30.79245266
................................................................................
Run: 12/22/00 09:51:35 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS1(POOL # 4237)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4237
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FFE8 33,258,000.00 0.00 6.750000 % 0.00
A-2 76110FFF5 10,146,000.00 0.00 6.750000 % 0.00
A-3 76110FFG3 24,816,000.00 0.00 6.750000 % 0.00
A-4 76110FFH1 15,938,000.00 0.00 6.750000 % 0.00
A-5 76110FFJ7 10,253,000.00 0.00 6.750000 % 0.00
A-6 76110FFK4 31,511,646.00 3,748,569.92 11.000000 % 194,570.26
A-7 76110FFL2 17,652,000.00 0.00 6.750000 % 0.00
A-8 76110FFM0 5,655,589.00 1,376,297.75 6.750000 % 172,951.35
A-9 76110FFN8 19,068,000.00 5,849,265.31 6.750000 % 735,043.21
A-10 76110FFP3 10,267,765.00 10,267,765.00 6.750000 % 0.00
A-11 76110FFQ1 47,506,000.00 47,506,000.00 7.500000 % 0.00
A-12 76110FFR9 212,947.62 120,496.87 0.000000 % 161.69
A-13-1 0.00 0.00 0.994587 % 0.00
A-13-2 0.00 0.00 0.670270 % 0.00
R 76110FFT5 100.00 0.00 7.500000 % 0.00
M-1 76110FFV0 9,377,000.00 9,007,431.29 7.500000 % 8,925.05
M-2 76110FFW8 6,251,000.00 6,004,634.00 7.500000 % 5,949.72
M-3 76110FFX6 4,375,700.00 4,203,243.79 7.500000 % 4,164.80
B-1 1,624,900.00 1,560,859.02 7.500000 % 1,546.58
B-2 624,800.00 601,209.99 7.500000 % 595.71
B-3 1,500,282.64 1,076,743.53 7.500000 % 1,066.90
-------------------------------------------------------------------------------
250,038,730.26 91,322,516.47 1,124,975.27
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 0.00 0.00 0.00 0.00 0.00
A-5 0.00 0.00 0.00 0.00 0.00
A-6 34,340.10 228,910.36 0.00 0.00 3,553,999.66
A-7 0.00 0.00 0.00 0.00 0.00
A-8 7,736.76 180,688.11 0.00 0.00 1,203,346.40
A-9 32,881.26 767,924.47 0.00 0.00 5,114,222.10
A-10 57,719.56 57,719.56 0.00 0.00 10,267,765.00
A-11 296,724.24 296,724.24 0.00 0.00 47,506,000.00
A-12 0.00 161.69 0.00 0.00 120,335.18
A-13-1 61,124.12 61,124.12 0.00 0.00 0.00
A-13-2 9,783.98 9,783.98 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 56,260.75 65,185.80 0.00 0.00 8,998,506.24
M-2 37,505.16 43,454.88 0.00 0.00 5,998,684.28
M-3 26,253.61 30,418.41 0.00 0.00 4,199,078.99
B-1 9,749.18 11,295.76 0.00 0.00 1,559,312.44
B-2 3,755.18 4,350.89 0.00 0.00 600,614.28
B-3 6,725.38 7,792.28 0.00 0.00 1,075,676.63
-------------------------------------------------------------------------------
640,559.28 1,765,534.55 0.00 0.00 90,197,541.20
===============================================================================
Run: 12/22/00 09:51:35
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS1(POOL # 4237)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4237
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 118.958239 6.174551 1.089759 7.264310 0.000000 112.783688
A-7 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-8 243.351798 30.580608 1.367985 31.948593 0.000000 212.771190
A-9 306.758198 38.548522 1.724421 40.272943 0.000000 268.209676
A-10 1000.000000 0.000000 5.621434 5.621434 0.000000 1000.000000
A-11 1000.000000 0.000000 6.246037 6.246037 0.000000 1000.000000
A-12 565.852157 0.759295 0.000000 0.759295 0.000000 565.092862
A-13-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-13-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 960.587746 0.951802 5.999867 6.951669 0.000000 959.635943
M-2 960.587746 0.951803 5.999866 6.951669 0.000000 959.635943
M-3 960.587744 0.951802 5.999865 6.951667 0.000000 959.635942
B-1 960.587741 0.951800 5.999865 6.951665 0.000000 959.635941
B-2 962.243902 0.953441 6.010211 6.963652 0.000000 961.290461
B-3 717.693787 0.711133 4.482742 5.193875 0.000000 716.982655
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:35 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS1 (POOL # 4237)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4237
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 18,848.40
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,019.24
SUBSERVICER ADVANCES THIS MONTH 37,952.06
MASTER SERVICER ADVANCES THIS MONTH 4,427.07
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 28 2,514,923.73
(B) TWO MONTHLY PAYMENTS: 6 274,795.72
(C) THREE OR MORE MONTHLY PAYMENTS: 6 694,254.81
FORECLOSURES
NUMBER OF LOANS 8
AGGREGATE PRINCIPAL BALANCE 1,277,919.29
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 90,197,541.20
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 991
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 6
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 547,037.16
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,034,453.51
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 75.37979780 % 21.06895100 % 3.55125090 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 75.09705970 % 21.28247539 % 3.59203340 %
BANKRUPTCY AMOUNT AVAILABLE 182,005.00
FRAUD AMOUNT AVAILABLE 516,078.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,272,830.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.75380732
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 298.51
POOL TRADING FACTOR: 36.07342795
................................................................................
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Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1997-QS2(POOL # 4240)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4240
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FFY4 31,108,570.00 1,564,305.30 9.000000 % 366,277.37
A-2 76110FFZ1 37,000,000.00 0.00 7.250000 % 0.00
A-3 76110FGA5 5,200,000.00 0.00 7.250000 % 0.00
A-4 76110FGB3 18,200,000.00 0.00 7.250000 % 0.00
A-5 76110FGC1 10,000,000.00 0.00 7.250000 % 0.00
A-6 76110FGD9 7,371,430.00 3,910,763.55 7.250000 % 915,693.49
A-7 76110FGE7 10,400,783.00 10,400,783.00 7.750000 % 0.00
A-8 76110FGF4 31,000,000.00 31,000,000.00 7.750000 % 0.00
A-9 76110FGG2 130,561.76 75,852.72 0.000000 % 221.11
A-10-1 97QS2A101 0.00 0.00 0.755735 % 0.00
A-10-2 97QS2A102 0.00 0.00 0.404650 % 0.00
R 76100FGJ6 100.00 0.00 7.750000 % 0.00
M-1 76110FGK3 4,931,600.00 4,716,940.79 7.750000 % 4,742.25
M-2 76110FGL1 4,109,600.00 3,930,720.24 7.750000 % 3,951.81
M-3 76110FGM9 2,630,200.00 2,515,714.51 7.750000 % 2,529.21
B-1 1,068,500.00 1,022,469.00 7.750000 % 1,027.95
B-2 410,900.00 393,764.83 7.750000 % 395.88
B-3 821,738.81 627,079.63 7.750000 % 630.43
-------------------------------------------------------------------------------
164,383,983.57 60,158,393.57 1,295,469.50
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 11,728.72 378,006.09 0.00 0.00 1,198,027.93
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 0.00 0.00 0.00 0.00 0.00
A-5 0.00 0.00 0.00 0.00 0.00
A-6 23,620.33 939,313.82 0.00 0.00 2,995,070.06
A-7 67,151.26 67,151.26 0.00 0.00 10,400,783.00
A-8 200,147.35 200,147.35 0.00 0.00 31,000,000.00
A-9 0.00 221.11 0.00 0.00 75,631.61
A-10-1 30,615.16 30,615.16 0.00 0.00 0.00
A-10-2 3,887.19 3,887.19 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 30,454.30 35,196.55 0.00 0.00 4,712,198.54
M-2 25,378.17 29,329.98 0.00 0.00 3,926,768.43
M-3 16,242.37 18,771.58 0.00 0.00 2,513,185.30
B-1 6,601.44 7,629.39 0.00 0.00 1,021,441.05
B-2 2,542.29 2,938.17 0.00 0.00 393,368.95
B-3 4,048.66 4,679.09 0.00 0.00 626,449.20
-------------------------------------------------------------------------------
422,417.24 1,717,886.74 0.00 0.00 58,862,924.07
===============================================================================
Run: 12/22/00 09:51:36
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1997-QS2(POOL # 4240)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4240
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 50.285349 11.774163 0.377025 12.151188 0.000000 38.511186
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 530.529836 124.221961 3.204308 127.426269 0.000000 406.307875
A-7 1000.000000 0.000000 6.456366 6.456366 0.000000 1000.000000
A-8 1000.000000 0.000000 6.456366 6.456366 0.000000 1000.000000
A-9 580.971948 1.693528 0.000000 1.693528 0.000000 579.278420
A-10-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-10-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 956.472705 0.961605 6.175339 7.136944 0.000000 955.511100
M-2 956.472708 0.961605 6.175338 7.136943 0.000000 955.511103
M-3 956.472705 0.961604 6.175336 7.136940 0.000000 955.511102
B-1 956.919981 0.962050 6.178231 7.140281 0.000000 955.957932
B-2 958.298442 0.963446 6.187126 7.150572 0.000000 957.334996
B-3 763.113075 0.767202 4.926943 5.694145 0.000000 762.345885
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:36 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1997-QS2 (POOL # 4240)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4240
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,470.85
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 462.06
SUBSERVICER ADVANCES THIS MONTH 21,634.51
MASTER SERVICER ADVANCES THIS MONTH 749.12
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 21 1,728,840.73
(B) TWO MONTHLY PAYMENTS: 4 483,379.13
(C) THREE OR MORE MONTHLY PAYMENTS: 3 174,819.55
FORECLOSURES
NUMBER OF LOANS 6
AGGREGATE PRINCIPAL BALANCE 317,059.39
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 58,862,924.07
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 684
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 87,681.65
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,234,987.29
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 78.01909040 % 18.58006600 % 3.40084400 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 77.55737520 % 18.94597057 % 3.47227970 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 4,931,520.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,900,600.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.75497483
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 298.56
POOL TRADING FACTOR: 35.80818690
................................................................................
Run: 12/22/00 09:51:36 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS3(POOL # 4244)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4244
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FGS6 32,109,000.00 0.00 7.250000 % 0.00
A-2 76110FGT4 26,579,000.00 0.00 7.500000 % 0.00
A-3 76110FGU1 16,821,000.00 0.00 7.500000 % 0.00
A-4 76110FGV9 23,490,000.00 9,832,115.34 7.750000 % 334,932.72
A-5 76110FGW7 7,138,000.00 7,138,000.00 7.750000 % 0.00
A-6 76110FGX5 1,000,000.00 1,000,000.00 7.750000 % 0.00
A-7 76110FGY3 15,374,000.00 0.00 9.500000 % 0.00
A-8 76110FGZ0 27,500,000.00 27,500,000.00 7.750000 % 0.00
A-9 76110FHA4 107,351.50 61,181.60 0.000000 % 112.00
A-10-1 97QS3A101 0.00 0.00 0.794516 % 0.00
A-10-2 97QS3A102 0.00 0.00 0.491784 % 0.00
R 76110FHC0 100.00 0.00 7.750000 % 0.00
M-1 76110FHD8 5,346,700.00 5,123,928.11 7.750000 % 4,992.42
M-2 76110FHE6 4,112,900.00 3,941,534.77 7.750000 % 0.00
M-3 76110FHF3 2,632,200.00 2,522,528.55 7.750000 % 0.00
B-1 1,069,400.00 1,025,825.87 7.750000 % 0.00
B-2 411,200.00 394,445.10 7.750000 % 0.00
B-3 823,585.68 425,116.50 7.750000 % 0.00
-------------------------------------------------------------------------------
164,514,437.18 58,964,675.84 340,037.14
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 63,474.96 398,407.68 0.00 0.00 9,497,182.62
A-5 46,082.07 46,082.07 0.00 0.00 7,138,000.00
A-6 6,455.88 6,455.88 0.00 0.00 1,000,000.00
A-7 0.00 0.00 0.00 0.00 0.00
A-8 177,536.70 177,536.70 0.00 0.00 27,500,000.00
A-9 0.00 112.00 0.00 0.00 61,069.60
A-10-1 30,065.97 30,065.97 0.00 0.00 0.00
A-10-2 5,545.70 5,545.70 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 33,079.47 38,071.89 0.00 0.00 5,118,935.69
M-2 22,643.45 22,643.45 0.00 0.00 3,941,534.77
M-3 0.00 0.00 0.00 0.00 2,522,528.55
B-1 0.00 0.00 0.00 0.00 1,025,825.87
B-2 0.00 0.00 0.00 0.00 394,445.10
B-3 0.00 0.00 0.00 0.00 417,020.31
-------------------------------------------------------------------------------
384,884.20 724,921.34 0.00 0.00 58,616,542.51
===============================================================================
Run: 12/22/00 09:51:36
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS3(POOL # 4244)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4244
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 418.566000 14.258524 2.702212 16.960736 0.000000 404.307476
A-5 1000.000000 0.000000 6.455880 6.455880 0.000000 1000.000000
A-6 1000.000000 0.000000 6.455880 6.455880 0.000000 1000.000000
A-7 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-8 1000.000000 0.000000 6.455880 6.455880 0.000000 1000.000000
A-9 569.918445 1.043302 0.000000 1.043302 0.000000 568.875144
A-10-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-10-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 958.334694 0.933739 6.186895 7.120634 0.000000 957.400956
M-2 958.334696 0.000000 5.505471 5.505471 0.000000 958.334696
M-3 958.334682 0.000000 0.000000 0.000000 0.000000 958.334682
B-1 959.253666 0.000000 0.000000 0.000000 0.000000 959.253666
B-2 959.253648 0.000000 0.000000 0.000000 0.000000 959.253648
B-3 516.177625 0.000000 0.000000 0.000000 0.000000 506.347208
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:37 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS3 (POOL # 4244)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4244
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,250.24
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,968.23
SUBSERVICER ADVANCES THIS MONTH 14,439.92
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 14 1,259,687.90
(B) TWO MONTHLY PAYMENTS: 3 149,184.29
(C) THREE OR MORE MONTHLY PAYMENTS: 2 126,943.92
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 291,021.65
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 58,616,542.51
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 648
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 290,656.13
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 77.19425800 % 19.67284200 % 3.13289980 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 77.08106580 % 19.76063158 % 3.13769350 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 667,559.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,602,428.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.79384545
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 302.54
POOL TRADING FACTOR: 35.63002951
................................................................................
Run: 12/22/00 09:51:37 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS4(POOL # 4247)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4247
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FHK2 43,231,010.00 0.00 7.250000 % 0.00
A-2 76110FHL0 35,775,000.00 0.00 7.250000 % 0.00
A-3 76110FHM8 22,398,546.00 0.00 7.250000 % 0.00
A-4 76110FHN6 24,498,244.00 747,198.40 10.000000 % 125,202.29
A-5 76110FHP1 17,675,100.00 6,724,785.78 7.500000 % 1,126,820.63
A-6 76110FHQ9 7,150,100.00 7,150,100.00 7.750000 % 0.00
A-7 76110FHR7 52,000,000.00 52,000,000.00 7.750000 % 0.00
A-8 76110FHS5 155,284.33 109,832.78 0.000000 % 140.50
A-9-1 797QS4A91 0.00 0.00 0.793589 % 0.00
A-9-2 797QS4A92 0.00 0.00 0.456131 % 0.00
R 76110FHU0 100.00 0.00 7.750000 % 0.00
M-1 76110FHV8 7,186,600.00 6,924,212.91 7.750000 % 6,761.14
M-2 76110FHW6 4,975,300.00 4,793,648.80 7.750000 % 4,680.75
M-3 76110FHX4 3,316,900.00 3,195,798.00 7.750000 % 3,120.53
B-1 1,216,200.00 1,171,795.80 7.750000 % 1,144.20
B-2 552,900.00 532,713.28 7.750000 % 520.17
B-3 995,114.30 795,906.85 7.750000 % 777.16
-------------------------------------------------------------------------------
221,126,398.63 84,145,992.60 1,269,167.37
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 6,222.61 131,424.90 0.00 0.00 621,996.11
A-5 42,002.64 1,168,823.27 0.00 0.00 5,597,965.15
A-6 46,147.77 46,147.77 0.00 0.00 7,150,100.00
A-7 335,615.46 335,615.46 0.00 0.00 52,000,000.00
A-8 0.00 140.50 0.00 0.00 109,692.28
A-9-1 43,519.27 43,519.27 0.00 0.00 0.00
A-9-2 6,950.37 6,950.37 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 44,689.87 51,451.01 0.00 0.00 6,917,451.77
M-2 30,938.90 35,619.65 0.00 0.00 4,788,968.05
M-3 20,626.14 23,746.67 0.00 0.00 3,192,677.47
B-1 7,562.94 8,707.14 0.00 0.00 1,170,651.60
B-2 3,438.21 3,958.38 0.00 0.00 532,193.11
B-3 5,136.90 5,914.06 0.00 0.00 795,129.69
-------------------------------------------------------------------------------
592,851.08 1,862,018.45 0.00 0.00 82,876,825.23
===============================================================================
Run: 12/22/00 09:51:37
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS4(POOL # 4247)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4247
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 30.500080 5.110664 0.254002 5.364666 0.000000 25.389416
A-5 380.466633 63.751867 2.376374 66.128241 0.000000 316.714765
A-6 1000.000000 0.000000 6.454143 6.454143 0.000000 1000.000000
A-7 1000.000000 0.000000 6.454143 6.454143 0.000000 1000.000000
A-8 707.301117 0.904792 0.000000 0.904792 0.000000 706.396325
A-9-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-9-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 963.489398 0.940798 6.218500 7.159298 0.000000 962.548600
M-2 963.489398 0.940798 6.218499 7.159297 0.000000 962.548600
M-3 963.489403 0.940797 6.218499 7.159296 0.000000 962.548606
B-1 963.489393 0.940799 6.218500 7.159299 0.000000 962.548594
B-2 963.489383 0.940803 6.218502 7.159305 0.000000 962.548580
B-3 799.814504 0.780976 5.162121 5.943097 0.000000 799.033530
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:37 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS4 (POOL # 4247)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4247
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 17,387.65
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,781.87
SUBSERVICER ADVANCES THIS MONTH 29,127.42
MASTER SERVICER ADVANCES THIS MONTH 1,831.61
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 27 2,232,513.54
(B) TWO MONTHLY PAYMENTS: 7 461,910.59
(C) THREE OR MORE MONTHLY PAYMENTS: 2 213,963.12
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 699,392.75
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 82,876,825.23
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 906
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 222,862.25
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,186,995.62
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 79.27787790 % 17.74671700 % 2.97540480 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 78.98070030 % 17.97739869 % 3.01807530 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 884,926.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,055,384.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.78587132
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 303.27
POOL TRADING FACTOR: 37.47938995
................................................................................
Run: 12/22/00 09:51:37 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS5(POOL # 4248)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4248
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FHZ9 33,300,000.00 0.00 7.250000 % 0.00
A-2 76110FJA2 10,800,000.00 0.00 7.250000 % 0.00
A-3 76110FJB0 29,956,909.00 0.00 10.000000 % 0.00
A-4 76110FJC8 24,000,000.00 0.00 7.250000 % 0.00
A-5 76110FJD6 11,785,091.00 0.00 7.250000 % 0.00
A-6 76110FJE4 18,143,000.00 10,439,286.77 8.000000 % 1,033,373.92
A-7 76110FJF1 4,767,000.00 4,767,000.00 8.000000 % 0.00
A-8 76110FJG9 0.00 0.00 0.750000 % 0.00
A-9 76110FJH7 42,917,000.00 42,917,000.00 7.250000 % 0.00
A-10 76110FJJ3 340,158.57 184,929.11 0.000000 % 296.47
A-11-1 0.00 0.00 0.675270 % 0.00
A-11-2 0.00 0.00 0.347407 % 0.00
R-I 76110FJL8 100.00 0.00 8.000000 % 0.00
R-II 76110FJM6 100.00 0.00 8.000000 % 0.00
M-1 76110FJN4 6,730,000.00 6,495,327.79 8.000000 % 5,916.78
M-2 76110FJP9 4,330,000.00 4,179,014.77 8.000000 % 3,806.78
M-3 76110FJQ7 2,886,000.00 2,785,366.45 8.000000 % 2,537.27
B-1 1,058,000.00 1,021,107.97 8.000000 % 930.16
B-2 481,000.00 465,032.27 8.000000 % 423.61
B-3 866,066.26 247,878.56 8.000000 % 33.90
-------------------------------------------------------------------------------
192,360,424.83 73,501,943.69 1,047,318.89
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 0.00 0.00 0.00 0.00 0.00
A-5 0.00 0.00 0.00 0.00 0.00
A-6 69,572.89 1,102,946.81 0.00 0.00 9,405,912.85
A-7 31,769.79 31,769.79 0.00 0.00 4,767,000.00
A-8 26,814.51 26,814.51 0.00 0.00 0.00
A-9 259,206.91 259,206.91 0.00 0.00 42,917,000.00
A-10 0.00 296.47 0.00 0.00 184,632.64
A-11-1 31,637.11 31,637.11 0.00 0.00 0.00
A-11-2 4,996.01 4,996.01 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 43,288.28 49,205.06 0.00 0.00 6,489,411.01
M-2 27,851.15 31,657.93 0.00 0.00 4,175,207.99
M-3 18,563.14 21,100.41 0.00 0.00 2,782,829.18
B-1 6,805.20 7,735.36 0.00 0.00 1,020,177.81
B-2 3,099.22 3,522.83 0.00 0.00 464,608.66
B-3 1,651.99 1,685.89 0.00 0.00 247,652.76
-------------------------------------------------------------------------------
525,256.20 1,572,575.09 0.00 0.00 72,454,432.90
===============================================================================
Run: 12/22/00 09:51:37
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS5(POOL # 4248)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4248
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 575.389228 56.957169 3.834696 60.791865 0.000000 518.432059
A-7 1000.000000 0.000000 6.664525 6.664525 0.000000 1000.000000
A-8 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-9 1000.000000 0.000000 6.039726 6.039726 0.000000 1000.000000
A-10 543.655596 0.871564 0.000000 0.871564 0.000000 542.784032
A-11-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-11-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 965.130429 0.879165 6.432137 7.311302 0.000000 964.251265
M-2 965.130432 0.879164 6.432136 7.311300 0.000000 964.251268
M-3 965.130440 0.879165 6.432134 7.311299 0.000000 964.251275
B-1 965.130406 0.879168 6.432136 7.311304 0.000000 964.251238
B-2 966.803056 0.880686 6.443285 7.323971 0.000000 965.922370
B-3 286.212004 0.039143 1.907464 1.946607 0.000000 285.951285
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:38 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS5 (POOL # 4248)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4248
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 15,156.56
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 914.14
SUBSERVICER ADVANCES THIS MONTH 30,188.19
MASTER SERVICER ADVANCES THIS MONTH 1,909.27
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 25 2,002,326.37
(B) TWO MONTHLY PAYMENTS: 4 632,929.32
(C) THREE OR MORE MONTHLY PAYMENTS: 5 615,014.32
FORECLOSURES
NUMBER OF LOANS 3
AGGREGATE PRINCIPAL BALANCE 556,504.65
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 72,454,432.90
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 777
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 225,235.35
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 980,510.65
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 79.27666870 % 18.35823400 % 2.36509740 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 78.99553150 % 18.55986948 % 2.39718280 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 768,975.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,224,147.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.90293946
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 305.44
POOL TRADING FACTOR: 37.66597675
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS6(POOL # 4249)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4249
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FJR5 42,946,000.00 0.00 7.500000 % 0.00
A-2 76110FJS3 15,683,000.00 3,000,578.43 7.500000 % 511,485.53
A-3 76110FJT1 18,746,000.00 18,746,000.00 7.500000 % 0.00
A-4 76110FJU8 2,046,000.00 2,046,000.00 7.500000 % 0.00
A-5 76110FJV6 21,277,000.00 18,180,486.13 7.500000 % 89,340.09
A-6 76110FJW4 164,986.80 66,907.55 0.000000 % 2,485.66
A-7-1 0.00 0.00 0.834975 % 0.00
A-7-2 0.00 0.00 0.273346 % 0.00
R 76110FJY0 100.00 0.00 7.500000 % 0.00
M-1 2,654,400.00 2,272,382.84 7.500000 % 11,166.64
M-2 76110FKA0 1,061,700.00 908,901.75 7.500000 % 4,466.40
M-3 76110FKB8 690,100.00 590,781.86 7.500000 % 2,903.14
B-1 371,600.00 318,119.91 7.500000 % 1,563.26
B-2 159,300.00 136,373.78 7.500000 % 670.15
B-3 372,446.48 274,447.72 7.500000 % 1,348.65
-------------------------------------------------------------------------------
106,172,633.28 46,540,979.97 625,429.52
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 18,739.37 530,224.90 0.00 0.00 2,489,092.90
A-3 117,073.48 117,073.48 0.00 0.00 18,746,000.00
A-4 12,777.78 12,777.78 0.00 0.00 2,046,000.00
A-5 113,541.70 202,881.79 0.00 0.00 18,091,146.04
A-6 0.00 2,485.66 0.00 0.00 64,421.89
A-7-1 27,170.91 27,170.91 0.00 0.00 0.00
A-7-2 1,698.44 1,698.44 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 14,191.60 25,358.24 0.00 0.00 2,261,216.20
M-2 5,676.32 10,142.72 0.00 0.00 904,435.35
M-3 3,689.58 6,592.72 0.00 0.00 587,878.72
B-1 1,986.74 3,550.00 0.00 0.00 316,556.65
B-2 851.69 1,521.84 0.00 0.00 135,703.63
B-3 1,714.00 3,062.65 0.00 0.00 273,099.07
-------------------------------------------------------------------------------
319,111.61 944,541.13 0.00 0.00 45,915,550.45
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 191.326814 32.614011 1.194884 33.808895 0.000000 158.712804
A-3 1000.000000 0.000000 6.245251 6.245251 0.000000 1000.000000
A-4 1000.000000 0.000000 6.245249 6.245249 0.000000 1000.000000
A-5 854.466613 4.198904 5.336359 9.535263 0.000000 850.267709
A-6 405.532746 15.065811 0.000000 15.065811 0.000000 390.466934
A-7-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-7-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 856.081540 4.206841 5.346444 9.553285 0.000000 851.874699
M-2 856.081520 4.206838 5.346444 9.553282 0.000000 851.874682
M-3 856.081524 4.206840 5.346443 9.553283 0.000000 851.874685
B-1 856.081566 4.206835 5.346448 9.553283 0.000000 851.874731
B-2 856.081481 4.206842 5.346453 9.553295 0.000000 851.874639
B-3 736.878276 3.621057 4.602003 8.223060 0.000000 733.257219
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:38 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS6 (POOL # 4249)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4249
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 9,654.66
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,451.35
SUBSERVICER ADVANCES THIS MONTH 15,511.33
MASTER SERVICER ADVANCES THIS MONTH 946.13
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 14 783,850.70
(B) TWO MONTHLY PAYMENTS: 3 188,323.33
(C) THREE OR MORE MONTHLY PAYMENTS: 2 109,697.47
FORECLOSURES
NUMBER OF LOANS 4
AGGREGATE PRINCIPAL BALANCE 274,203.54
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 45,915,550.45
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 746
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 83,115.74
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 396,718.41
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.31501300 % 8.11649600 % 1.56849050 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.23166980 % 8.17485630 % 1.58198800 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 503,321.00
SPECIAL HAZARD AMOUNT AVAILABLE 698,574.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.56318777
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 128.05
POOL TRADING FACTOR: 43.24612570
................................................................................
Run: 12/22/00 09:52:20 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR1(POOL # 3328)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 3328
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A 24,934,336.17 3,440,795.44 9.028001 % 150,392.83
R 0.00 0.00 0.000000 % 0.00
-------------------------------------------------------------------------------
24,934,336.17 3,440,795.44 150,392.83
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A 24,955.51 175,348.34 0.00 0.00 3,290,402.61
R 0.00 0.00 0.00 0.00 0.00
-------------------------------------------------------------------------------
24,955.51 175,348.34 0.00 0.00 3,290,402.61
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A 137.994267 6.031555 1.000849 7.032404 0.000000 131.962711
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:20 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR1 (POOL # 3328)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 3328
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 1,037.18
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 149.26
SUBSERVICER ADVANCES THIS MONTH 0.00
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 3,290,402.61
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 24
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 147,820.41
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 100.00000000 % 0.00000000 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 100.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.44720100
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 315.88
POOL TRADING FACTOR: 13.19627115
Run: 12/22/00 09:52:20 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR1 (POOL # 3328)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 3328
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 840.76
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 115.27
SUBSERVICER ADVANCES THIS MONTH 0.00
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 2,665,630.56
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 18
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 50,107.66
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 100.00000000 % 0.00000000 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 100.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.30500817
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 317.20
POOL TRADING FACTOR: 13.31889381
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR1 (POOL # 3328)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 3328
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 196.42
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 33.99
SUBSERVICER ADVANCES THIS MONTH 0.00
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 624,772.05
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 6
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 97,712.75
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 100.00000000 % 0.00000000 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 100.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 10.05387779
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 310.25
POOL TRADING FACTOR: 12.69750237
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR2(POOL # 3333)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 3333
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A 30,798,565.76 3,186,456.03 9.329731 % 543,066.18
R 0.00 0.00 0.000000 % 0.00
-------------------------------------------------------------------------------
30,798,565.76 3,186,456.03 543,066.18
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A 21,765.96 564,832.14 0.00 0.00 2,643,389.85
R 0.00 0.00 0.00 0.00 0.00
-------------------------------------------------------------------------------
21,765.96 564,832.14 0.00 0.00 2,643,389.85
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A 103.461182 17.632840 0.706720 18.339560 0.000000 85.828343
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR2 (POOL # 3333)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 3333
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 876.38
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 143.13
SUBSERVICER ADVANCES THIS MONTH 1,837.11
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 1 203,536.80
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 2,643,389.77
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 19
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 541,203.19
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 100.00000250 % 0.00000000 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 100.00000300 % 0.00000000 %
CLASS R - STRIP PASS-THROUGH FOR NEXT DISTRIBUTION 2.1324 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.73054900
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 315.16
POOL TRADING FACTOR: 8.58283399
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR2 (POOL # 3333)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 3333
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 44.46
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 5.93
SUBSERVICER ADVANCES THIS MONTH 0.00
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 142,144.64
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 0.00
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 100.00000000 % 0.00000000 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 100.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.62500000
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 314.00
POOL TRADING FACTOR: 1.23401920
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR2 (POOL # 3333)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 3333
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 319.24
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 54.23
SUBSERVICER ADVANCES THIS MONTH 1,837.11
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 1 203,536.80
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 861,859.92
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 6
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 539,172.10
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 100.00000000 % 0.00000000 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 100.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 10.41755519
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 310.85
POOL TRADING FACTOR: 11.60972777
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR2 (POOL # 3333)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 3333
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 512.68
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 82.97
SUBSERVICER ADVANCES THIS MONTH 0.00
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 1,639,385.21
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 12
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,031.09
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 100.00000000 % 0.00000000 %
CURRENT PREPAYMENT PERCENTAGE 100.00000000 % 0.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 100.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.46523337
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 317.52
POOL TRADING FACTOR: 13.82732270
................................................................................
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Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS7(POOL # 4255)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4255
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FKC6 82,491,000.00 0.00 7.500000 % 0.00
A-2 76110FKD4 20,984,000.00 0.00 7.500000 % 0.00
A-3 76110FKE2 11,000,000.00 10,789,171.80 7.500000 % 724,200.21
A-4 76110FKF9 4,000,000.00 4,000,000.00 7.500000 % 0.00
A-5 76110FKG7 17,500,000.00 17,500,000.00 7.750000 % 0.00
A-6 76110FKH5 17,500,000.00 17,500,000.00 7.250000 % 0.00
A-7 76110FKJ1 21,925,000.00 7,112,738.77 9.500000 % 103,457.17
A-8 76110FKP7 156,262.27 38,619.95 0.000000 % 38.40
A-9-1 0.00 0.00 0.838327 % 0.00
A-9-2 0.00 0.00 0.493829 % 0.00
R 76110FKK8 100.00 0.00 7.750000 % 0.00
M-1 76110FKL6 6,697,000.00 6,363,290.02 7.750000 % 6,066.69
M-2 76110FKM4 3,827,000.00 3,636,301.46 7.750000 % 3,466.81
M-3 76110FKN2 2,870,200.00 2,727,178.60 7.750000 % 2,600.06
B-1 1,052,400.00 999,959.14 7.750000 % 953.35
B-2 478,400.00 454,561.42 7.750000 % 433.37
B-3 861,188.35 631,926.54 7.750000 % 602.46
-------------------------------------------------------------------------------
191,342,550.62 71,753,747.70 841,818.52
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 67,376.10 791,576.31 0.00 0.00 10,064,971.59
A-4 24,979.16 24,979.16 0.00 0.00 4,000,000.00
A-5 112,926.61 112,926.61 0.00 0.00 17,500,000.00
A-6 105,641.03 105,641.03 0.00 0.00 17,500,000.00
A-7 56,262.24 159,719.41 0.00 0.00 7,009,281.60
A-8 0.00 38.40 0.00 0.00 38,581.55
A-9-1 41,993.01 41,993.01 0.00 0.00 0.00
A-9-2 4,767.16 4,767.16 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 41,061.99 47,128.68 0.00 0.00 6,357,223.33
M-2 23,464.87 26,931.68 0.00 0.00 3,632,834.65
M-3 17,598.35 20,198.41 0.00 0.00 2,724,578.54
B-1 6,452.69 7,406.04 0.00 0.00 999,005.79
B-2 2,933.26 3,366.63 0.00 0.00 454,128.05
B-3 4,077.79 4,680.25 0.00 0.00 631,324.08
-------------------------------------------------------------------------------
509,534.26 1,351,352.78 0.00 0.00 70,911,929.18
===============================================================================
Run: 12/22/00 09:51:39
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS7(POOL # 4255)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4255
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 980.833800 65.836383 6.125100 71.961483 0.000000 914.997417
A-4 1000.000000 0.000000 6.244790 6.244790 0.000000 1000.000000
A-5 1000.000000 0.000000 6.452949 6.452949 0.000000 1000.000000
A-6 1000.000000 0.000000 6.036630 6.036630 0.000000 1000.000000
A-7 324.412259 4.718685 2.566123 7.284808 0.000000 319.693574
A-8 247.148272 0.245741 0.000000 0.245741 0.000000 246.902531
A-9-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-9-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 950.170228 0.905882 6.131401 7.037283 0.000000 949.264347
M-2 950.170227 0.905882 6.131401 7.037283 0.000000 949.264345
M-3 950.170232 0.905881 6.131402 7.037283 0.000000 949.264351
B-1 950.170220 0.905882 6.131404 7.037286 0.000000 949.264339
B-2 950.170192 0.905874 6.131396 7.037270 0.000000 949.264319
B-3 733.784357 0.699557 4.735073 5.434630 0.000000 733.084789
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS7 (POOL # 4255)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4255
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 14,848.78
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,636.88
SUBSERVICER ADVANCES THIS MONTH 25,324.48
MASTER SERVICER ADVANCES THIS MONTH 1,831.22
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 19 1,346,592.32
(B) TWO MONTHLY PAYMENTS: 7 924,089.31
(C) THREE OR MORE MONTHLY PAYMENTS: 1 126,104.66
FORECLOSURES
NUMBER OF LOANS 9
AGGREGATE PRINCIPAL BALANCE 722,904.43
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 70,911,929.18
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 798
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 228,407.64
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 773,408.06
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 79.34436200 % 17.74628400 % 2.90935420 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 79.11895670 % 17.93017997 % 2.94110270 %
BANKRUPTCY AMOUNT AVAILABLE 200,000.00
FRAUD AMOUNT AVAILABLE 747,678.00
SPECIAL HAZARD AMOUNT AVAILABLE 925,004.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.85601413
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 303.70
POOL TRADING FACTOR: 37.06019856
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS8(POOL # 4256)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4256
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FKU6 13,399,900.00 0.00 7.000000 % 0.00
A-2 76110FKV4 20,850,000.00 0.00 7.000000 % 0.00
A-3 76110FKW2 16,320,750.00 1,404,932.41 10.000000 % 72,964.28
A-4 76110FKX0 19,700,543.00 0.00 7.000000 % 0.00
A-5 76110FKY8 21,419,142.00 0.00 7.150000 % 0.00
A-6 76110FKZ5 6,323,320.00 0.00 7.250000 % 0.00
A-7 76110FLA9 16,496,308.00 11,549,329.92 7.250000 % 729,643.19
A-8 76110FLB7 25,998,036.00 3,262,583.49 7.500000 % 206,117.74
A-9 76110FLC5 5,000,001.00 5,000,001.00 7.375000 % 0.00
A-10 76110FLD3 54,507,000.00 54,507,000.00 7.500000 % 0.00
A-11 76110FLE1 26,409.16 4,598.43 0.000000 % 6.85
A-12-1 0.00 0.00 0.931393 % 0.00
A-12-2 0.00 0.00 0.634937 % 0.00
R 76110FLG6 100.00 0.00 7.500000 % 0.00
M-1 76110FLH4 7,631,000.00 7,379,225.05 7.500000 % 6,822.64
M-2 76110FLJ0 4,361,000.00 4,217,114.44 7.500000 % 3,899.03
M-3 76110FLK7 3,270,500.00 3,162,594.12 7.500000 % 2,924.05
B-1 1,199,000.00 1,159,440.54 7.500000 % 1,071.99
B-2 545,000.00 527,018.46 7.500000 % 487.27
B-3 981,461.72 518,480.37 7.500000 % 479.37
-------------------------------------------------------------------------------
218,029,470.88 92,692,318.23 1,024,416.41
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 11,704.39 84,668.67 0.00 0.00 1,331,968.13
A-4 0.00 0.00 0.00 0.00 0.00
A-5 0.00 0.00 0.00 0.00 0.00
A-6 0.00 0.00 0.00 0.00 0.00
A-7 69,757.08 799,400.27 0.00 0.00 10,819,686.73
A-8 20,385.27 226,503.01 0.00 0.00 3,056,465.75
A-9 30,720.31 30,720.31 0.00 0.00 5,000,001.00
A-10 340,570.54 340,570.54 0.00 0.00 54,507,000.00
A-11 0.00 6.85 0.00 0.00 4,591.58
A-12-1 56,354.66 56,354.66 0.00 0.00 0.00
A-12-2 10,613.32 10,613.32 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 46,106.86 52,929.50 0.00 0.00 7,372,402.41
M-2 26,349.37 30,248.40 0.00 0.00 4,213,215.41
M-3 19,760.51 22,684.56 0.00 0.00 3,159,670.07
B-1 7,244.41 8,316.40 0.00 0.00 1,158,368.55
B-2 3,292.92 3,780.19 0.00 0.00 526,531.19
B-3 3,239.57 3,718.94 0.00 0.00 516,383.20
-------------------------------------------------------------------------------
646,099.21 1,670,515.62 0.00 0.00 91,666,284.02
===============================================================================
Run: 12/22/00 09:51:39
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS8(POOL # 4256)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4256
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 86.082589 4.470645 0.717148 5.187793 0.000000 81.611944
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-7 700.116045 44.230696 4.228648 48.459344 0.000000 655.885349
A-8 125.493460 7.928204 0.784108 8.712312 0.000000 117.565256
A-9 1000.000000 0.000000 6.144061 6.144061 0.000000 1000.000000
A-10 1000.000000 0.000000 6.248198 6.248198 0.000000 1000.000000
A-11 174.122539 0.259380 0.000000 0.259380 0.000000 173.863160
A-12-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-12-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 967.006297 0.894069 6.042047 6.936116 0.000000 966.112228
M-2 967.006292 0.894068 6.042048 6.936116 0.000000 966.112224
M-3 967.006305 0.894068 6.042046 6.936114 0.000000 966.112237
B-1 967.006289 0.894070 6.042043 6.936113 0.000000 966.112219
B-2 967.006349 0.894073 6.042055 6.936128 0.000000 966.112275
B-3 528.273655 0.488425 3.300760 3.789185 0.000000 526.136869
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:39 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS8 (POOL # 4256)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4256
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 19,192.99
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,308.73
SUBSERVICER ADVANCES THIS MONTH 27,369.62
MASTER SERVICER ADVANCES THIS MONTH 1,269.17
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 26 2,325,301.91
(B) TWO MONTHLY PAYMENTS: 6 417,392.15
(C) THREE OR MORE MONTHLY PAYMENTS: 3 433,505.23
FORECLOSURES
NUMBER OF LOANS 4
AGGREGATE PRINCIPAL BALANCE 200,985.91
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 91,666,284.01
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 944
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 153,695.87
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 940,332.78
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 81.69782040 % 15.92328900 % 2.37889050 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 81.51182860 % 16.08583576 % 2.40152990 %
BANKRUPTCY AMOUNT AVAILABLE 113,527.00
FRAUD AMOUNT AVAILABLE 955,804.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,559,459.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.69898406
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 306.45
POOL TRADING FACTOR: 42.04307043
................................................................................
Run: 12/22/00 09:51:40 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS9(POOL # 4263)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4263
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FLL5 53,750,000.00 0.00 6.750000 % 0.00
A-2 76110FLM3 17,420,000.00 0.00 6.750000 % 0.00
A-3 76110FLN1 22,971,538.00 6,658.63 10.000000 % 6,658.63
A-4 76110FLP6 38,010,000.00 0.00 6.750000 % 0.00
A-5 76110FLQ4 17,163,462.00 36,622.52 6.750000 % 36,622.52
A-6 76110FLR2 29,977,000.00 29,977,000.00 7.250000 % 1,677,179.63
A-7 76110FLS0 16,065,000.00 16,065,000.00 7.250000 % 0.00
A-8 76110FLT8 54,645,000.00 54,645,000.00 7.250000 % 0.00
A-9-1 0.00 0.00 1.031757 % 0.00
A-9-2 0.00 0.00 0.730064 % 0.00
R 76110FLV3 100.00 0.00 7.250000 % 0.00
M-1 76110FLW1 8,130,000.00 7,855,102.57 7.250000 % 7,504.02
M-2 76110FLX9 5,420,000.00 5,236,735.01 7.250000 % 5,002.68
M-3 76110FLY7 4,065,000.00 3,927,551.28 7.250000 % 3,752.01
B-1 1,490,500.00 1,440,102.08 7.250000 % 1,375.74
B-2 677,500.00 654,591.90 7.250000 % 625.34
B-3 1,219,925.82 985,030.72 7.250000 % 941.00
-------------------------------------------------------------------------------
271,005,025.82 120,829,394.71 1,739,661.57
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 55.46 6,714.09 0.00 0.00 0.00
A-4 0.00 0.00 0.00 0.00 0.00
A-5 205.90 36,828.42 0.00 0.00 0.00
A-6 181,019.58 1,858,199.21 0.00 0.00 28,299,820.37
A-7 97,010.37 97,010.37 0.00 0.00 16,065,000.00
A-8 329,980.16 329,980.16 0.00 0.00 54,645,000.00
A-9-1 88,652.29 88,652.29 0.00 0.00 0.00
A-9-2 10,744.14 10,744.14 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 47,433.94 54,937.96 0.00 0.00 7,847,598.55
M-2 31,622.63 36,625.31 0.00 0.00 5,231,732.33
M-3 23,716.98 27,468.99 0.00 0.00 3,923,799.27
B-1 8,696.23 10,071.97 0.00 0.00 1,438,726.34
B-2 3,952.83 4,578.17 0.00 0.00 653,966.56
B-3 5,948.22 6,889.22 0.00 0.00 984,089.72
-------------------------------------------------------------------------------
829,038.73 2,568,700.30 0.00 0.00 119,089,733.14
===============================================================================
Run: 12/22/00 09:51:40
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS9(POOL # 4263)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4263
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.289864 0.289864 0.002414 0.292278 0.000000 0.000000
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 2.133749 2.133749 0.011996 2.145745 0.000000 0.000000
A-6 1000.000000 55.948882 6.038616 61.987498 0.000000 944.051118
A-7 1000.000000 0.000000 6.038616 6.038616 0.000000 1000.000000
A-8 1000.000000 0.000000 6.038616 6.038616 0.000000 1000.000000
A-9-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-9-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 966.187278 0.923004 5.834433 6.757437 0.000000 965.264274
M-2 966.187271 0.923004 5.834434 6.757438 0.000000 965.264268
M-3 966.187277 0.923004 5.834435 6.757439 0.000000 965.264273
B-1 966.187239 0.923006 5.834438 6.757444 0.000000 965.264234
B-2 966.187306 0.923011 5.834435 6.757446 0.000000 965.264295
B-3 807.451325 0.771350 4.875887 5.647237 0.000000 806.679967
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:41 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS9 (POOL # 4263)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4263
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 27,614.30
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,066.79
SUBSERVICER ADVANCES THIS MONTH 39,005.83
MASTER SERVICER ADVANCES THIS MONTH 803.79
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 38 3,685,886.27
(B) TWO MONTHLY PAYMENTS: 3 513,563.99
(C) THREE OR MORE MONTHLY PAYMENTS: 4 497,703.44
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 319,132.17
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 119,089,733.14
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,306
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 98,486.64
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,624,232.61
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 83.36570860 % 14.08547100 % 2.54882080 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 83.13883810 % 14.27757851 % 2.58358340 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 1,345,111.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,690,221.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.59418681
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 307.57
POOL TRADING FACTOR: 43.94373602
................................................................................
Run: 12/22/00 09:51:41 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS10(POOL # 4264)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4264
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FMN0 199,969,492.00 32,629,699.99 7.250000 % 1,528,579.05
A-2 76110FMP5 10,000,000.00 10,000,000.00 7.250000 % 0.00
A-3 76110FMQ3 25,143,000.00 25,143,000.00 7.250000 % 0.00
A-4 76110FMR1 64,916,508.00 62,287,271.20 7.250000 % 62,923.77
A-5 76110FMS9 76,250.57 56,715.66 0.000000 % 63.46
A-6-1 0.00 0.00 0.989279 % 0.00
A-6-2 0.00 0.00 0.684698 % 0.00
R 76110FMU4 100.00 0.00 7.250000 % 0.00
M-1 76110FMV2 10,602,000.00 10,223,305.73 7.250000 % 9,507.16
M-2 76110FMW0 6,524,000.00 6,290,968.37 7.250000 % 5,850.29
M-3 76110FMX8 4,893,000.00 4,718,226.24 7.250000 % 4,387.71
B-1 76110FMY6 1,794,000.00 1,729,919.86 7.250000 % 1,608.74
B-2 76110FMZ3 816,000.00 786,853.18 7.250000 % 731.73
B-3 76110FNA7 1,468,094.11 1,235,662.91 7.250000 % 1,149.10
-------------------------------------------------------------------------------
326,202,444.68 155,101,623.14 1,614,801.01
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 196,977.10 1,725,556.15 0.00 0.00 31,101,120.94
A-2 60,367.43 60,367.43 0.00 0.00 10,000,000.00
A-3 151,781.83 151,781.83 0.00 0.00 25,143,000.00
A-4 376,012.23 438,936.00 0.00 0.00 62,224,347.43
A-5 0.00 63.46 0.00 0.00 56,652.20
A-6-1 101,110.63 101,110.63 0.00 0.00 0.00
A-6-2 18,445.47 18,445.47 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 61,715.47 71,222.63 0.00 0.00 10,213,798.57
M-2 37,976.95 43,827.24 0.00 0.00 6,285,118.08
M-3 28,482.72 32,870.43 0.00 0.00 4,713,838.53
B-1 10,443.08 12,051.82 0.00 0.00 1,728,311.12
B-2 4,750.03 5,481.76 0.00 0.00 786,121.45
B-3 7,459.38 8,608.48 0.00 0.00 1,209,856.36
-------------------------------------------------------------------------------
1,055,522.32 2,670,323.33 0.00 0.00 153,462,164.68
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 163.173390 7.644061 0.985036 8.629097 0.000000 155.529329
A-2 1000.000000 0.000000 6.036743 6.036743 0.000000 1000.000000
A-3 1000.000000 0.000000 6.036743 6.036743 0.000000 1000.000000
A-4 959.498179 0.969303 5.792244 6.761547 0.000000 958.528876
A-5 743.806374 0.832256 0.000000 0.832256 0.000000 742.974118
A-6-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 964.280865 0.896733 5.821116 6.717849 0.000000 963.384132
M-2 964.280866 0.896734 5.821114 6.717848 0.000000 963.384132
M-3 964.280858 0.896732 5.821116 6.717848 0.000000 963.384126
B-1 964.280858 0.896734 5.821115 6.717849 0.000000 963.384125
B-2 964.280858 0.896728 5.821115 6.717843 0.000000 963.384130
B-3 841.678270 0.782715 5.080996 5.863711 0.000000 824.100003
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:41 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS10 (POOL # 4264)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4264
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 32,154.77
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 4,615.26
SUBSERVICER ADVANCES THIS MONTH 52,441.89
MASTER SERVICER ADVANCES THIS MONTH 2,351.74
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 39 4,115,786.40
(B) TWO MONTHLY PAYMENTS: 8 718,567.57
(C) THREE OR MORE MONTHLY PAYMENTS: 6 484,144.24
FORECLOSURES
NUMBER OF LOANS 13
AGGREGATE PRINCIPAL BALANCE 1,396,425.97
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 153,462,164.68
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,546
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 294,094.52
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,460,117.26
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 83.88535510 % 13.69442000 % 2.42022520 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 83.74436240 % 13.82279158 % 2.42774130 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 1,551,500.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,610,799.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.50365069
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 309.98
POOL TRADING FACTOR: 47.04506885
................................................................................
Run: 12/22/00 09:51:41 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS11(POOL # 4265)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4265
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FLZ4 99,650,000.00 47,351,913.27 7.000000 % 520,132.08
A-2 76110FMD2 43,142.76 12,130.51 0.000000 % 126.62
A-3-1 0.00 0.00 1.080049 % 0.00
A-3-2 0.00 0.00 0.651182 % 0.00
R 76110FMF7 100.00 0.00 7.000000 % 0.00
M-1 76110FMG5 3,043,000.00 2,642,289.01 7.000000 % 12,656.72
M-2 76110FMH3 892,000.00 774,538.85 7.000000 % 3,710.09
M-3 76110FMJ9 419,700.00 364,432.72 7.000000 % 1,745.65
B-1 76110FMK6 367,000.00 318,672.37 7.000000 % 1,526.46
B-2 76110FML4 262,400.00 227,846.38 7.000000 % 1,091.40
B-3 76110FMM2 263,388.53 228,704.76 7.000000 % 1,095.50
-------------------------------------------------------------------------------
104,940,731.29 51,920,527.87 542,084.52
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 275,754.95 795,887.03 0.00 0.00 46,831,781.19
A-2 0.00 126.62 0.00 0.00 12,003.89
A-3-1 36,776.02 36,776.02 0.00 0.00 0.00
A-3-2 5,954.42 5,954.42 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 15,387.43 28,044.15 0.00 0.00 2,629,632.29
M-2 4,510.54 8,220.63 0.00 0.00 770,828.76
M-3 2,122.28 3,867.93 0.00 0.00 362,687.07
B-1 1,855.79 3,382.25 0.00 0.00 317,145.91
B-2 1,326.86 2,418.26 0.00 0.00 226,754.98
B-3 1,331.87 2,427.37 0.00 0.00 227,609.26
-------------------------------------------------------------------------------
345,020.16 887,104.68 0.00 0.00 51,378,443.35
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 475.182271 5.219589 2.767235 7.986824 0.000000 469.962681
A-2 281.171395 2.934907 0.000000 2.934907 0.000000 278.236487
A-3-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 868.317125 4.159290 5.056664 9.215954 0.000000 864.157834
M-2 868.317096 4.159294 5.056659 9.215953 0.000000 864.157803
M-3 868.317179 4.159280 5.056660 9.215940 0.000000 864.157899
B-1 868.317084 4.159292 5.056649 9.215941 0.000000 864.157793
B-2 868.316997 4.159299 5.056631 9.215930 0.000000 864.157698
B-3 868.317083 4.159293 5.056674 9.215967 0.000000 864.157828
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:41 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS11 (POOL # 4265)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4265
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 10,786.61
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,238.54
SUBSERVICER ADVANCES THIS MONTH 17,369.78
MASTER SERVICER ADVANCES THIS MONTH 390.47
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 15 1,328,760.63
(B) TWO MONTHLY PAYMENTS: 1 67,464.23
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 1
AGGREGATE PRINCIPAL BALANCE 87,512.54
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 51,378,443.35
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 688
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 34,526.03
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 293,313.64
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.22206750 % 7.28448700 % 1.49344530 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.17194360 % 7.32437161 % 1.50197320 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 521,572.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,464,025.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.31462593
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 132.70
POOL TRADING FACTOR: 48.95948667
................................................................................
Run: 12/22/00 09:51:42 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS12(POOL # 4270)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4270
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FNB5 57,575,000.00 0.00 7.000000 % 0.00
A-2 76110FNC3 22,405,757.00 2,443,045.07 9.000000 % 287,050.28
A-3 76110FND1 62,824,125.00 0.00 7.000000 % 0.00
A-4 76110FNE9 24,294,118.00 11,400,877.96 6.875000 % 1,339,568.07
A-5 76110FNF6 26,000,000.00 26,000,000.00 7.250000 % 0.00
A-6 76110FNG4 22,583,041.00 22,583,041.00 7.250000 % 0.00
A-7 76110FNR0 59,318,800.00 56,786,494.90 7.250000 % 70,812.68
A-8-1 0.00 0.00 0.926154 % 0.00
A-8-2 0.00 0.00 0.722970 % 0.00
R 76110FNJ8 100.00 0.00 7.250000 % 0.00
M-1 76110FNK5 10,433,600.00 10,052,750.20 7.250000 % 9,400.09
M-2 76110FNL3 4,471,600.00 4,308,376.58 7.250000 % 4,028.66
M-3 76110FNM1 4,471,500.00 4,308,280.25 7.250000 % 4,028.57
B-1 76110FNN9 1,639,600.00 1,580,892.60 7.250000 % 1,478.26
B-2 76110FNP4 745,200.00 719,043.88 7.250000 % 672.36
B-3 76110FNQ2 1,341,561.05 877,895.11 7.250000 % 0.00
-------------------------------------------------------------------------------
298,104,002.05 141,060,697.55 1,717,038.97
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 18,316.01 305,366.29 0.00 0.00 2,155,994.79
A-3 0.00 0.00 0.00 0.00 0.00
A-4 65,293.17 1,404,861.24 0.00 0.00 10,061,309.89
A-5 157,024.74 157,024.74 0.00 0.00 26,000,000.00
A-6 136,388.32 136,388.32 0.00 0.00 22,583,041.00
A-7 342,957.10 413,769.78 0.00 0.00 56,715,682.22
A-8-1 91,183.18 91,183.18 0.00 0.00 0.00
A-8-2 13,774.82 13,774.82 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 60,712.72 70,112.81 0.00 0.00 10,043,350.11
M-2 26,020.07 30,048.73 0.00 0.00 4,304,347.92
M-3 26,019.48 30,048.05 0.00 0.00 4,304,251.68
B-1 9,547.67 11,025.93 0.00 0.00 1,579,414.34
B-2 4,342.60 5,014.96 0.00 0.00 718,371.52
B-3 1,549.75 1,549.75 0.00 0.00 782,173.14
-------------------------------------------------------------------------------
953,129.63 2,670,168.60 0.00 0.00 139,247,936.61
===============================================================================
Run: 12/22/00 09:51:42
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS12(POOL # 4270)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4270
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 109.036489 12.811452 0.817469 13.628921 0.000000 96.225037
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 469.285527 55.139605 2.687612 57.827217 0.000000 414.145922
A-5 1000.000000 0.000000 6.039413 6.039413 0.000000 1000.000000
A-6 1000.000000 0.000000 6.039413 6.039413 0.000000 1000.000000
A-7 957.310244 1.193765 5.781592 6.975357 0.000000 956.116479
A-8-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-8-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 963.497757 0.900944 5.818962 6.719906 0.000000 962.596813
M-2 963.497759 0.900944 5.818962 6.719906 0.000000 962.596816
M-3 963.497764 0.900944 5.818960 6.719904 0.000000 962.596820
B-1 964.194072 0.901598 5.823170 6.724768 0.000000 963.292474
B-2 964.900537 0.902254 5.827429 6.729683 0.000000 963.998282
B-3 654.383272 0.000000 1.155184 1.155184 0.000000 583.032086
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:42 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS12 (POOL # 4270)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4270
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 29,158.65
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,255.21
SUBSERVICER ADVANCES THIS MONTH 30,893.80
MASTER SERVICER ADVANCES THIS MONTH 1,064.57
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 26 3,123,568.09
(B) TWO MONTHLY PAYMENTS: 2 147,878.75
(C) THREE OR MORE MONTHLY PAYMENTS: 5 434,738.15
FORECLOSURES
NUMBER OF LOANS 4
AGGREGATE PRINCIPAL BALANCE 312,830.08
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 139,247,936.61
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,453
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 138,105.06
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,548,772.01
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 84.51217170 % 13.23501700 % 2.25281150 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 84.39337110 % 13.39477637 % 2.21185250 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 1,392,294.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,393,501.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.47099589
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 310.68
POOL TRADING FACTOR: 46.71119329
................................................................................
Run: 12/22/00 09:50:59 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR3(POOL # 3359)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 3359
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A 25,117,531.34 3,973,237.50 8.821247 % 140,347.76
R 0.00 0.00 0.000000 % 0.00
-------------------------------------------------------------------------------
25,117,531.34 3,973,237.50 140,347.76
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A 28,670.16 169,017.92 0.00 0.00 3,832,889.74
R 0.00 0.00 0.00 0.00 0.00
-------------------------------------------------------------------------------
28,670.16 169,017.92 0.00 0.00 3,832,889.74
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A 158.185828 5.587641 1.141440 6.729081 0.000000 152.598187
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:50:59 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QPCR3 (POOL # 3359)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 3359
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 1,218.63
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 491.91
SUBSERVICER ADVANCES THIS MONTH 0.00
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 3,832,889.74
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 34
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 137,102.14
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR SUBORDINATE
PERCENTAGE FOR CURRENT DISTRIBUTION 0.00000000 % 0.00000000 %
CURRENT PREPAYMENT PERCENTAGE 0.00000000 % 100.00000000 %
PERCENTAGE FOR NEXT DISTRIBUTION 100.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 0.00
SPECIAL HAZARD AMOUNT AVAILABLE 0.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.24715765
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 319.55
POOL TRADING FACTOR: 15.25981868
................................................................................
Run: 12/22/00 09:51:43 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS13(POOL # 4277)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4277
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FNS8 31,499,000.00 10,745,787.27 7.250000 % 360,159.89
A-2 76110FNT6 30,750,000.00 0.00 7.250000 % 0.00
A-3 76110FNU3 40,799,000.00 17,174,241.90 7.250000 % 943,642.18
A-4 76110FNV1 6,745,000.00 6,745,000.00 7.250000 % 0.00
A-5 76110FNW9 4,235,415.00 4,235,415.00 7.250000 % 0.00
A-6 76110FNX7 10,499,000.00 10,499,000.00 7.250000 % 0.00
A-7 76110fNY5 62,999,000.00 60,950,057.45 7.250000 % 68,266.34
A-8 76110FNZ2 15,495,000.00 0.00 7.250000 % 0.00
A-9 76110FPA5 68,339,000.00 28,599,712.05 7.000000 % 958,558.82
A-10 76110fPB3 0.00 0.00 7.250000 % 0.00
A-11 76110FPC1 100,038,312.00 49,592,355.15 0.000000 % 886,366.00
A-12 76110FPD9 0.00 0.00 7.250000 % 0.00
A-13 76110FPE7 0.00 0.00 8.970000 % 0.00
A-14 76110FPF4 0.00 0.00 5.530000 % 0.00
A-15 76110FPG2 26,249,000.00 8,954,765.83 7.000000 % 300,131.34
A-16 76110FPH0 2,386,273.00 814,069.73 10.000000 % 27,284.67
A-17 76110FPJ6 139,012.74 123,814.53 0.000000 % 148.39
A-18-1 0.00 0.00 0.901871 % 0.00
A-18-2 0.00 0.00 0.595926 % 0.00
R-I 76110FPL1 100.00 0.00 7.250000 % 0.00
R-II 76110FPM9 100.00 0.00 7.250000 % 0.00
M-1 76110FPN7 16,267,000.00 15,766,014.98 7.250000 % 14,606.11
M-2 76110FPP2 5,422,000.00 5,255,015.26 7.250000 % 4,868.40
M-3 76110FPQ0 6,507,000.00 6,306,599.85 7.250000 % 5,842.62
B-1 76110FPR8 2,386,000.00 2,312,516.85 7.250000 % 2,142.39
B-2 76110FPS6 1,085,000.00 1,051,584.56 7.250000 % 974.22
B-3 76110FPT4 1,952,210.06 1,673,709.09 7.250000 % 1,550.57
-------------------------------------------------------------------------------
433,792,422.80 230,799,659.50 3,574,541.94
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 64,904.77 425,064.66 0.00 0.00 10,385,627.38
A-2 0.00 0.00 0.00 0.00 0.00
A-3 103,732.76 1,047,374.94 0.00 0.00 16,230,599.72
A-4 40,739.93 40,739.93 0.00 0.00 6,745,000.00
A-5 25,582.00 25,582.00 0.00 0.00 4,235,415.00
A-6 63,414.17 63,414.17 0.00 0.00 10,499,000.00
A-7 368,139.57 436,405.91 0.00 0.00 60,881,791.11
A-8 0.00 0.00 0.00 0.00 0.00
A-9 166,786.18 1,125,345.00 0.00 0.00 27,641,153.23
A-10 5,956.65 5,956.65 0.00 0.00 0.00
A-11 0.00 886,366.00 0.00 0.00 48,705,989.15
A-12 149,769.41 149,769.41 0.00 0.00 0.00
A-13 92,650.45 92,650.45 0.00 0.00 0.00
A-14 57,118.96 57,118.96 0.00 0.00 0.00
A-15 52,221.89 352,353.23 0.00 0.00 8,654,634.49
A-16 6,782.06 34,066.73 0.00 0.00 786,785.06
A-17 0.00 148.39 0.00 0.00 123,666.14
A-18-1 132,075.29 132,075.29 0.00 0.00 0.00
A-18-2 27,314.07 27,314.07 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 95,227.05 109,833.16 0.00 0.00 15,751,408.87
M-2 31,740.40 36,608.80 0.00 0.00 5,250,146.86
M-3 38,091.99 43,934.61 0.00 0.00 6,300,757.23
B-1 13,967.65 16,110.04 0.00 0.00 2,310,374.46
B-2 6,351.59 7,325.81 0.00 0.00 1,050,610.34
B-3 10,109.23 11,659.80 0.00 0.00 1,629,778.21
-------------------------------------------------------------------------------
1,552,676.07 5,127,218.01 0.00 0.00 227,182,737.25
===============================================================================
Run: 12/22/00 09:51:43
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS13(POOL # 4277)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4277
_______________________________________________________________________________
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 341.146934 11.434010 2.060534 13.494544 0.000000 329.712924
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 420.947619 23.129052 2.542532 25.671584 0.000000 397.818567
A-4 1000.000000 0.000000 6.040019 6.040019 0.000000 1000.000000
A-5 1000.000000 0.000000 6.040022 6.040022 0.000000 1000.000000
A-6 1000.000000 0.000000 6.040020 6.040020 0.000000 1000.000000
A-7 967.476586 1.083610 5.843578 6.927188 0.000000 966.392976
A-8 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-9 418.497667 14.026527 2.440571 16.467098 0.000000 404.471140
A-10 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-11 495.733626 8.860265 0.000000 8.860265 0.000000 486.873361
A-12 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-13 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-14 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-15 341.146932 11.434010 1.989481 13.423491 0.000000 329.712922
A-16 341.146939 11.434010 2.842114 14.276124 0.000000 329.712929
A-17 890.670380 1.067456 0.000000 1.067456 0.000000 889.602924
A-18-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-18-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 969.202372 0.897898 5.854002 6.751900 0.000000 968.304474
M-2 969.202372 0.897897 5.854002 6.751899 0.000000 968.304474
M-3 969.202374 0.897898 5.854002 6.751900 0.000000 968.304477
B-1 969.202368 0.897900 5.854003 6.751903 0.000000 968.304468
B-2 969.202359 0.897899 5.854000 6.751899 0.000000 968.304461
B-3 857.340675 0.794264 5.178352 5.972616 0.000000 834.837521
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:44 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-QS13 (POOL # 4277)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4277
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 47,644.55
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 65,793.31
MASTER SERVICER ADVANCES THIS MONTH 3,312.94
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 57 6,251,095.15
(B) TWO MONTHLY PAYMENTS: 7 766,509.14
(C) THREE OR MORE MONTHLY PAYMENTS: 6 456,869.07
FORECLOSURES
NUMBER OF LOANS 10
AGGREGATE PRINCIPAL BALANCE 976,583.24
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 227,182,737.25
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,161
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 441,381.17
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,316,045.22
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 85.96929790 % 11.84676700 % 2.18393500 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 85.77767630 % 12.01777621 % 2.19800200 %
BANKRUPTCY AMOUNT AVAILABLE 240,007.00
FRAUD AMOUNT AVAILABLE 2,579,320.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,579,320.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.35590524
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 311.96
POOL TRADING FACTOR: 52.37130141
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS1(POOL # 4281)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4281
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FPU1 64,326,000.00 0.00 7.000000 % 0.00
A-2 76110FPV9 117,395,000.00 37,448,014.98 7.000000 % 911,899.72
A-3 76110FPW7 51,380,000.00 42,627,666.02 7.000000 % 833,553.79
A-4 76110FPX5 1,862,000.00 1,862,000.00 7.000000 % 0.00
A-5 76110FPY3 65,040,000.00 65,040,000.00 7.000000 % 0.00
A-6-1 0.00 0.00 1.119711 % 0.00
A-6-2 0.00 0.00 0.879180 % 0.00
R 76110FQB2 100.00 0.00 7.000000 % 0.00
M-1 76110FQC0 11,351,500.00 11,017,868.56 7.000000 % 10,274.18
M-2 76110FQD8 4,054,000.00 3,937,991.31 7.000000 % 3,672.18
M-3 76110FQE6 4,865,000.00 4,736,778.05 7.000000 % 4,417.05
B-1 76110FQF3 1,783,800.00 1,740,467.32 7.000000 % 1,622.99
B-2 76110FQG1 810,800.00 793,113.68 7.000000 % 739.58
B-3 76110FQH9 1,459,579.11 1,224,619.48 7.000000 % 1,141.96
-------------------------------------------------------------------------------
324,327,779.11 170,428,519.40 1,767,321.45
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 218,378.93 1,130,278.65 0.00 0.00 36,536,115.26
A-3 248,584.19 1,082,137.98 0.00 0.00 41,794,112.23
A-4 10,858.30 10,858.30 0.00 0.00 1,862,000.00
A-5 379,282.21 379,282.21 0.00 0.00 65,040,000.00
A-6-1 124,853.41 124,853.41 0.00 0.00 0.00
A-6-2 26,792.67 26,792.67 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 64,250.95 74,525.13 0.00 0.00 11,007,594.38
M-2 22,964.49 26,636.67 0.00 0.00 3,934,319.13
M-3 27,622.63 32,039.68 0.00 0.00 4,732,361.00
B-1 10,149.58 11,772.57 0.00 0.00 1,738,844.33
B-2 4,625.06 5,364.64 0.00 0.00 792,374.10
B-3 7,141.39 8,283.35 0.00 0.00 1,223,477.52
-------------------------------------------------------------------------------
1,145,503.81 2,912,825.26 0.00 0.00 168,661,197.95
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 318.991567 7.767790 1.860206 9.627996 0.000000 311.223777
A-3 829.654847 16.223312 4.838151 21.061463 0.000000 813.431534
A-4 1000.000000 0.000000 5.831525 5.831525 0.000000 1000.000000
A-5 1000.000000 0.000000 5.831522 5.831522 0.000000 1000.000000
A-6-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 970.609044 0.905094 5.660129 6.565223 0.000000 969.703949
M-2 971.384142 0.905816 5.664650 6.570466 0.000000 970.478325
M-3 973.643998 0.907924 5.677827 6.585751 0.000000 972.736074
B-1 975.707658 0.909850 5.689864 6.599714 0.000000 974.797808
B-2 978.186581 0.912161 5.704317 6.616478 0.000000 977.274420
B-3 839.022340 0.782369 4.892774 5.675143 0.000000 838.239950
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:44 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS1 (POOL # 4281)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4281
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 35,341.26
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 329.63
SUBSERVICER ADVANCES THIS MONTH 43,819.21
MASTER SERVICER ADVANCES THIS MONTH 4,849.57
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 31 3,094,232.17
(B) TWO MONTHLY PAYMENTS: 4 484,765.11
(C) THREE OR MORE MONTHLY PAYMENTS: 9 699,068.47
FORECLOSURES
NUMBER OF LOANS 14
AGGREGATE PRINCIPAL BALANCE 1,396,858.44
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 168,661,197.95
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,621
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 8
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 597,566.03
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,608,396.63
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 86.24007390 % 11.55477900 % 2.20514760 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 86.10885570 % 11.66496785 % 2.22617650 %
BANKRUPTCY AMOUNT AVAILABLE 101,905.00
FRAUD AMOUNT AVAILABLE 1,950,206.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,950,206.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.34755281
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 312.96
POOL TRADING FACTOR: 52.00331542
................................................................................
Run: 12/22/00 09:51:45 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS2(POOL # 4284)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4284
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FQJ5 20,000,000.00 3,512,689.18 6.750000 % 245,024.02
A-2 76110FQK2 158,282,400.00 27,799,843.56 6.500000 % 1,939,149.51
A-3 76110FQL0 82,584,000.00 82,584,000.00 6.750000 % 0.00
A-4 76110FQM8 38,888,850.00 13,212,666.22 7.217500 % 381,583.26
A-5 76110FQN6 0.00 0.00 1.808275 % 0.00
A-6 76110FQP1 13,504,750.00 4,499,380.82 7.117500 % 133,832.12
A-7 76110FQQ9 86,753,900.00 86,753,900.00 7.000000 % 0.00
A-8 76110FQR7 138,732.69 116,029.41 0.000000 % 156.90
A-9-1 0.00 0.00 1.038587 % 0.00
A-9-2 0.00 0.00 0.716375 % 0.00
R-I 76110FQT3 100.00 0.00 7.000000 % 0.00
R-II 76110FQU0 100.00 0.00 7.000000 % 0.00
M-1 76110FQV8 17,350,800.00 16,838,999.94 7.000000 % 15,519.26
M-2 76110FQW6 5,422,000.00 5,262,066.17 7.000000 % 4,849.66
M-3 76110FQX4 5,422,000.00 5,262,066.17 7.000000 % 4,849.66
B-1 76110FQY2 2,385,700.00 2,315,328.56 7.000000 % 2,133.87
B-2 76110FQZ9 1,084,400.00 1,052,413.26 7.000000 % 969.93
B-3 76110FRA3 1,952,351.82 1,631,691.77 7.000000 % 1,454.81
-------------------------------------------------------------------------------
433,770,084.51 250,841,075.06 2,729,523.00
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 19,752.30 264,776.32 0.00 0.00 3,267,665.16
A-2 150,532.32 2,089,681.83 0.00 0.00 25,860,694.05
A-3 464,380.24 464,380.24 0.00 0.00 82,584,000.00
A-4 79,442.21 461,025.47 0.00 0.00 12,831,082.96
A-5 26,681.32 26,681.32 0.00 0.00 0.00
A-6 26,678.06 160,510.18 0.00 0.00 4,365,548.70
A-7 505,895.83 505,895.83 0.00 0.00 86,753,900.00
A-8 0.00 156.90 0.00 0.00 115,872.51
A-9-1 161,011.63 161,011.63 0.00 0.00 0.00
A-9-2 38,637.78 38,637.78 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 98,194.78 113,714.04 0.00 0.00 16,823,480.68
M-2 30,685.16 35,534.82 0.00 0.00 5,257,216.51
M-3 30,685.16 35,534.82 0.00 0.00 5,257,216.51
B-1 13,501.58 15,635.45 0.00 0.00 2,313,194.69
B-2 6,137.03 7,106.96 0.00 0.00 1,051,443.33
B-3 9,515.03 10,969.84 0.00 0.00 1,599,263.25
-------------------------------------------------------------------------------
1,661,730.43 4,391,253.43 0.00 0.00 248,080,578.35
===============================================================================
Run: 12/22/00 09:51:45
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS2(POOL # 4284)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4284
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 175.634459 12.251201 0.987615 13.238816 0.000000 163.383258
A-2 175.634458 12.251201 0.951036 13.202237 0.000000 163.383257
A-3 1000.000000 0.000000 5.623126 5.623126 0.000000 1000.000000
A-4 339.754614 9.812151 2.042802 11.854953 0.000000 329.942463
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 333.170242 9.910004 1.975458 11.885462 0.000000 323.260238
A-7 1000.000000 0.000000 5.831390 5.831390 0.000000 1000.000000
A-8 836.352341 1.130952 0.000000 1.130952 0.000000 835.221389
A-9-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-9-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 970.502798 0.894441 5.659381 6.553822 0.000000 969.608357
M-2 970.502798 0.894441 5.659380 6.553821 0.000000 969.608357
M-3 970.502798 0.894441 5.659380 6.553821 0.000000 969.608357
B-1 970.502813 0.894442 5.659379 6.553821 0.000000 969.608371
B-2 970.502822 0.894439 5.659378 6.553817 0.000000 969.608383
B-3 835.757036 0.745158 4.873625 5.618783 0.000000 819.147058
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:45 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS2 (POOL # 4284)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4284
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 51,883.98
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 994.02
SUBSERVICER ADVANCES THIS MONTH 65,879.96
MASTER SERVICER ADVANCES THIS MONTH 6,198.84
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 52 4,816,737.28
(B) TWO MONTHLY PAYMENTS: 8 632,035.91
(C) THREE OR MORE MONTHLY PAYMENTS: 6 872,150.60
FORECLOSURES
NUMBER OF LOANS 16
AGGREGATE PRINCIPAL BALANCE 2,391,545.15
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 248,080,578.35
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,281
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 9
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 795,166.71
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,361,552.12
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 87.09240800 % 10.91360100 % 1.99399050 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 86.97322070 % 11.01977183 % 2.00185800 %
BANKRUPTCY AMOUNT AVAILABLE 110,151.00
FRAUD AMOUNT AVAILABLE 2,788,933.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,788,933.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.23097220
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 315.08
POOL TRADING FACTOR: 57.19172142
................................................................................
Run: 12/22/00 09:52:21 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS3(POOL # 4285)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4285
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FRB1 115,517,963.00 70,069,206.08 6.500000 % 930,045.59
A-2 76110FRC9 34,880,737.00 15,520,987.65 6.500000 % 83,235.24
A-3-1 0.00 0.00 1.239822 % 0.00
A-3-2 0.00 0.00 0.982073 % 0.00
R 76110FRE5 100.00 0.00 6.500000 % 0.00
M-1 76110FRF2 3,927,000.00 3,477,047.99 6.500000 % 15,774.24
M-2 76110FRG0 785,100.00 695,143.99 6.500000 % 3,153.64
M-3 76110FRH8 707,000.00 625,992.60 6.500000 % 2,839.93
B-1 76110FRJ4 471,200.00 417,210.35 6.500000 % 1,892.75
B-2 76110FRK1 314,000.00 278,022.17 6.500000 % 1,261.30
B-3 76110FRL9 471,435.62 384,601.46 6.500000 % 1,744.81
-------------------------------------------------------------------------------
157,074,535.62 91,468,212.29 1,039,947.50
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 379,182.96 1,309,228.55 0.00 0.00 69,139,160.49
A-2 83,992.59 167,227.83 0.00 0.00 15,437,752.41
A-3-1 75,373.87 75,373.87 0.00 0.00 0.00
A-3-2 15,082.07 15,082.07 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 18,816.22 34,590.46 0.00 0.00 3,461,273.75
M-2 3,761.80 6,915.44 0.00 0.00 691,990.35
M-3 3,387.59 6,227.52 0.00 0.00 623,152.67
B-1 2,257.75 4,150.50 0.00 0.00 415,317.60
B-2 1,504.53 2,765.83 0.00 0.00 276,760.87
B-3 2,081.29 3,826.10 0.00 0.00 382,856.66
-------------------------------------------------------------------------------
585,440.67 1,625,388.17 0.00 0.00 90,428,264.80
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 606.565458 8.051091 3.282459 11.333550 0.000000 598.514367
A-2 444.973042 2.386281 2.407994 4.794275 0.000000 442.586761
A-3-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 885.420929 4.016868 4.791500 8.808368 0.000000 881.404062
M-2 885.420953 4.016864 4.791492 8.808356 0.000000 881.404089
M-3 885.420934 4.016874 4.791499 8.808373 0.000000 881.404059
B-1 885.420947 4.016872 4.791490 8.808362 0.000000 881.404075
B-2 885.420924 4.016879 4.791497 8.808376 0.000000 881.404045
B-3 815.809081 3.701057 4.414792 8.115849 0.000000 812.108046
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:21 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS3 (POOL # 4285)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4285
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 19,013.05
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 473.41
SUBSERVICER ADVANCES THIS MONTH 17,299.81
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 15 779,629.77
(B) TWO MONTHLY PAYMENTS: 3 340,304.55
(C) THREE OR MORE MONTHLY PAYMENTS: 2 340,716.96
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 111,326.99
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 90,428,264.80
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,110
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 624,985.88
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 93.57370350 % 5.24574000 % 1.18055660 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 93.52928880 % 5.28199538 % 1.18871590 %
BANKRUPTCY AMOUNT AVAILABLE 1,000,000.00
FRAUD AMOUNT AVAILABLE 1,040,322.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,158,220.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.96847100
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 137.11
POOL TRADING FACTOR: 57.57028944
Run: 12/22/00 09:52:21 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS3 (POOL # 4285)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4285
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 15,505.20
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 14,995.68
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 15 779,629.77
(B) TWO MONTHLY PAYMENTS: 2 121,672.23
(C) THREE OR MORE MONTHLY PAYMENTS: 2 340,716.96
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 111,326.99
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 73,670,840.59
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,047
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 616,791.59
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 93.89835590 % 0.00000000 % 0.00000000 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.65202020 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 1,000,000.00
FRAUD AMOUNT AVAILABLE 1,040,322.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,158,220.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.01239015
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 137.51
POOL TRADING FACTOR: 61.06386827
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS3 (POOL # 4285)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4285
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 3,507.85
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 473.41
SUBSERVICER ADVANCES THIS MONTH 2,304.13
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 1 218,632.32
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 16,757,424.21
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 63
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 8,194.29
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.13558090 % 0.00000000 % 0.00000000 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.64148050 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 1,000,000.00
FRAUD AMOUNT AVAILABLE 1,040,322.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,158,220.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.77538709
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 135.35
POOL TRADING FACTOR: 46.00025110
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS4(POOL # 4290)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4290
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-I-1 76110FRM7 135,006,400.00 37,606,704.28 6.500000 % 1,858,995.45
A-I-2 76110FRN5 59,732,445.00 59,732,445.00 6.750000 % 0.00
A-I-3 76110FRP0 41,218,155.00 16,868,231.04 7.117500 % 464,748.86
A-I-4 76110FRQ8 0.00 0.00 1.882500 % 0.00
A-I-5 76110FRR6 64,868,000.00 64,868,000.00 7.000000 % 0.00
A-II 76110FRS4 75,203,000.00 45,823,443.94 7.000000 % 706,904.96
A-V-1 0.00 0.00 0.875138 % 0.00
A-V-2 0.00 0.00 0.621263 % 0.00
R-I 76110FRV7 100.00 0.00 7.000000 % 0.00
R-II 76110FRW5 100.00 0.00 7.000000 % 0.00
M-1 76110FRX3 14,190,000.00 13,796,433.80 7.000000 % 13,274.52
M-2 76110FRY1 5,067,800.00 4,927,242.21 7.000000 % 4,740.85
M-3 76110FRZ8 5,067,800.00 4,927,242.21 7.000000 % 4,740.85
B-1 76110FSA2 2,230,000.00 2,168,149.89 7.000000 % 2,086.13
B-2 76110FSB0 1,216,400.00 1,182,662.58 7.000000 % 1,137.92
B-3 76110FSC8 1,621,792.30 1,045,515.77 7.000000 % 0.00
-------------------------------------------------------------------------------
405,421,992.30 252,946,070.72 3,056,629.54
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-I-1 203,541.53 2,062,536.98 0.00 0.00 35,747,708.83
A-I-2 335,728.70 335,728.70 0.00 0.00 59,732,445.00
A-I-3 99,970.40 564,719.26 0.00 0.00 16,403,482.18
A-I-4 26,441.07 26,441.07 0.00 0.00 0.00
A-I-5 378,096.77 378,096.77 0.00 0.00 64,868,000.00
A-II 267,175.70 974,080.66 0.00 0.00 45,116,538.98
A-V-1 147,897.08 147,897.08 0.00 0.00 0.00
A-V-2 25,855.43 25,855.43 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 80,412.07 93,686.59 0.00 0.00 13,783,159.28
M-2 28,718.28 33,459.13 0.00 0.00 4,922,501.36
M-3 28,718.28 33,459.13 0.00 0.00 4,922,501.36
B-1 12,636.99 14,723.12 0.00 0.00 2,166,063.76
B-2 6,893.12 8,031.04 0.00 0.00 1,181,524.66
B-3 5,271.44 5,271.44 0.00 0.00 1,044,502.59
-------------------------------------------------------------------------------
1,647,356.86 4,703,986.40 0.00 0.00 249,888,428.00
===============================================================================
Run: 12/22/00 09:52:22
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS4(POOL # 4290)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4290
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-I-1 278.554974 13.769684 1.507644 15.277328 0.000000 264.785290
A-I-2 1000.000000 0.000000 5.620542 5.620542 0.000000 1000.000000
A-I-3 409.242748 11.275344 2.425397 13.700741 0.000000 397.967405
A-I-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-I-5 1000.000000 0.000000 5.828710 5.828710 0.000000 1000.000000
A-II 609.329999 9.399957 3.552727 12.952684 0.000000 599.930042
A-V-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-V-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 972.264538 0.935484 5.666813 6.602297 0.000000 971.329054
M-2 972.264535 0.935485 5.666813 6.602298 0.000000 971.329050
M-3 972.264535 0.935485 5.666813 6.602298 0.000000 971.329050
B-1 972.264525 0.935484 5.666812 6.602296 0.000000 971.329040
B-2 972.264535 0.935482 5.666817 6.602299 0.000000 971.329053
B-3 644.666873 0.000000 3.250379 3.250379 0.000000 644.042144
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS4 (POOL # 4290)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4290
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 52,332.59
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 9,600.50
SUBSERVICER ADVANCES THIS MONTH 66,898.86
MASTER SERVICER ADVANCES THIS MONTH 2,126.66
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 45 4,880,510.19
(B) TWO MONTHLY PAYMENTS: 11 1,401,581.85
(C) THREE OR MORE MONTHLY PAYMENTS: 9 1,051,986.92
FORECLOSURES
NUMBER OF LOANS 15
AGGREGATE PRINCIPAL BALANCE 1,641,673.13
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 249,888,428.00
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,284
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 4
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 278,933.52
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,814,064.44
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 88.91176830 % 9.35018200 % 1.73804960 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 88.78689450 % 9.45548467 % 1.75762080 %
BANKRUPTCY AMOUNT AVAILABLE 194,225.00
FRAUD AMOUNT AVAILABLE 2,756,717.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,756,717.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.15585400
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 315.98
POOL TRADING FACTOR: 61.63662375
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS4 (POOL # 4290)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4290
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 41,759.08
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 9,100.26
SUBSERVICER ADVANCES THIS MONTH 48,532.83
MASTER SERVICER ADVANCES THIS MONTH 677.36
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 30 3,265,319.77
(B) TWO MONTHLY PAYMENTS: 6 765,921.07
(C) THREE OR MORE MONTHLY PAYMENTS: 8 940,753.16
FORECLOSURES
NUMBER OF LOANS 14
AGGREGATE PRINCIPAL BALANCE 1,538,562.13
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 199,182,831.64
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,814
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 91,149.63
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,156,460.77
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 88.85900740 % 0.00000000 % 1.73804960 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 88.73838900 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 194,225.00
FRAUD AMOUNT AVAILABLE 2,756,717.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,756,717.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.14155759
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 315.66
POOL TRADING FACTOR: 61.41165202
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS4 (POOL # 4290)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4290
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 10,573.51
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 500.24
SUBSERVICER ADVANCES THIS MONTH 18,366.03
MASTER SERVICER ADVANCES THIS MONTH 1,449.30
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 15 1,615,190.42
(B) TWO MONTHLY PAYMENTS: 5 635,660.78
(C) THREE OR MORE MONTHLY PAYMENTS: 1 111,233.76
FORECLOSURES
NUMBER OF LOANS 1
AGGREGATE PRINCIPAL BALANCE 103,111.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 50,705,596.36
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 470
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 187,783.89
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 657,603.67
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 89.11855690 % 0.00000000 % 1.73804960 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 88.97743490 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 194,225.00
FRAUD AMOUNT AVAILABLE 2,756,717.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,756,717.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.21201271
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 317.22
POOL TRADING FACTOR: 62.53655037
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS5(POOL # 4299)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4299
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FSD6 151,551,000.00 48,626,055.64 6.750000 % 2,042,778.49
A-2 76110FSE4 75,936,500.00 58,936,545.34 6.750000 % 1,099,957.65
A-3 76110FSF1 17,485,800.00 17,485,800.00 6.750000 % 0.00
A-4 76110FSG9 13,164,700.00 13,164,700.00 6.750000 % 0.00
A-5 76110FSH7 67,790,000.00 67,790,000.00 6.750000 % 0.00
A-6-1 0.00 0.00 1.042802 % 0.00
A-6-2 0.00 0.00 0.830500 % 0.00
R 76110FSK0 100.00 0.00 6.750000 % 0.00
M-1 76110FSL8 12,650,700.00 12,271,735.57 6.750000 % 11,530.03
M-2 76110FSM6 4,216,900.00 4,090,578.53 6.750000 % 3,843.34
M-3 76110FSN4 4,392,600.00 4,261,015.24 6.750000 % 4,003.48
B-1 76110FSP9 1,757,100.00 1,704,464.29 6.750000 % 1,601.45
B-2 76110FSQ7 1,054,300.00 1,022,717.39 6.750000 % 960.90
B-3 76110FSR5 1,405,623.28 1,290,384.66 6.750000 % 609.73
-------------------------------------------------------------------------------
351,405,323.28 230,643,996.66 3,165,285.07
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 273,377.24 2,316,155.73 0.00 0.00 46,583,277.15
A-2 331,343.14 1,431,300.79 0.00 0.00 57,836,587.69
A-3 98,305.73 98,305.73 0.00 0.00 17,485,800.00
A-4 74,012.37 74,012.37 0.00 0.00 13,164,700.00
A-5 381,117.55 381,117.55 0.00 0.00 67,790,000.00
A-6-1 151,465.12 151,465.12 0.00 0.00 0.00
A-6-2 38,911.97 38,911.97 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 68,992.09 80,522.12 0.00 0.00 12,260,205.54
M-2 22,997.36 26,840.70 0.00 0.00 4,086,735.19
M-3 23,955.56 27,959.04 0.00 0.00 4,257,011.76
B-1 9,582.55 11,184.00 0.00 0.00 1,702,862.84
B-2 5,749.75 6,710.65 0.00 0.00 1,021,756.49
B-3 7,254.58 7,864.31 0.00 0.00 1,254,774.09
-------------------------------------------------------------------------------
1,487,065.01 4,652,350.08 0.00 0.00 227,443,710.75
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 320.856053 13.479149 1.803863 15.283012 0.000000 307.376904
A-2 776.129336 14.485230 4.363424 18.848654 0.000000 761.644107
A-3 1000.000000 0.000000 5.622032 5.622032 0.000000 1000.000000
A-4 1000.000000 0.000000 5.622032 5.622032 0.000000 1000.000000
A-5 1000.000000 0.000000 5.622032 5.622032 0.000000 1000.000000
A-6-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 970.043995 0.911414 5.453618 6.365032 0.000000 969.132581
M-2 970.043997 0.911414 5.453618 6.365032 0.000000 969.132583
M-3 970.043992 0.911415 5.453617 6.365032 0.000000 969.132578
B-1 970.043987 0.911417 5.453617 6.365034 0.000000 969.132571
B-2 970.044001 0.911410 5.453619 6.365029 0.000000 969.132590
B-3 918.015999 0.433779 5.161113 5.594892 0.000000 892.681635
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS5 (POOL # 4299)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4299
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 47,524.23
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 7,496.02
SUBSERVICER ADVANCES THIS MONTH 42,004.58
MASTER SERVICER ADVANCES THIS MONTH 9,033.98
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 29 3,175,697.09
(B) TWO MONTHLY PAYMENTS: 3 462,661.58
(C) THREE OR MORE MONTHLY PAYMENTS: 5 422,335.03
FORECLOSURES
NUMBER OF LOANS 11
AGGREGATE PRINCIPAL BALANCE 1,541,541.02
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 227,443,710.75
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,943
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 9
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 1,176,071.99
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,849,919.30
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 89.31648080 % 8.94162900 % 1.74189070 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 89.19145940 % 9.05892382 % 1.74961680 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,483,752.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,483,752.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.07050747
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 317.96
POOL TRADING FACTOR: 64.72403680
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS6(POOL # 4301)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4301
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB-1 76110FSS3 20,174,375.00 12,239,860.14 6.750000 % 144,954.72
CB-2 76110FST1 39,313,092.00 39,313,092.00 6.750000 % 0.00
CB-3 76110FSU8 13,813,906.00 13,813,906.00 6.750000 % 0.00
CB-4 76110FSV6 16,300,000.00 1,065,731.41 6.750000 % 278,313.07
CB-5 76110FSW4 20,500,000.00 20,500,000.00 6.750000 % 0.00
CB-6 76110FSX2 136,500,000.00 71,630,183.35 6.750000 % 1,185,099.09
CB-7 76110FSY0 28,438,625.00 28,438,625.00 6.750000 % 0.00
NB-1 76110FSZ7 75,900,500.00 37,972,929.94 6.750000 % 309,075.25
NB-2 76110FTA1 4,494,000.00 0.00 6.750000 % 0.00
NB-3 76110FTB9 9,662,500.00 9,662,500.00 6.750000 % 0.00
NB-4 76110FTC7 10,000,000.00 5,289,475.53 6.750000 % 34,319.96
A-P 76110FTE3 57,464.36 49,463.52 0.000000 % 67.34
A-V-1 0.00 0.00 0.997495 % 0.00
A-V-2 0.00 0.00 0.714280 % 0.00
R 100.00 0.00 6.750000 % 0.00
M-1 76110FTG8 13,075,500.00 12,693,161.48 6.750000 % 11,699.10
M-2 76110FTH6 5,029,000.00 4,881,947.87 6.750000 % 4,499.62
M-3 76110FTJ2 4,224,500.00 4,100,972.10 6.750000 % 3,779.81
B-1 76110FTK9 2,011,600.00 1,952,779.13 6.750000 % 1,799.85
B-2 76110FTL7 1,207,000.00 1,171,706.32 6.750000 % 1,079.94
B-3 76110FTM5 1,609,449.28 1,560,304.22 6.750000 % 1,438.11
-------------------------------------------------------------------------------
402,311,611.64 266,336,638.01 1,976,125.86
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB-1 68,825.44 213,780.16 0.00 0.00 12,094,905.42
CB-2 221,059.78 221,059.78 0.00 0.00 39,313,092.00
CB-3 77,676.39 77,676.39 0.00 0.00 13,813,906.00
CB-4 5,992.67 284,305.74 0.00 0.00 787,418.34
CB-5 115,272.68 115,272.68 0.00 0.00 20,500,000.00
CB-6 402,780.65 1,587,879.74 0.00 0.00 70,445,084.26
CB-7 159,912.03 159,912.03 0.00 0.00 28,438,625.00
NB-1 213,545.59 522,620.84 0.00 0.00 37,663,854.69
NB-2 0.00 0.00 0.00 0.00 0.00
NB-3 54,338.29 54,338.29 0.00 0.00 9,662,500.00
NB-4 29,746.04 64,066.00 0.00 0.00 5,255,155.57
A-P 0.00 67.34 0.00 0.00 49,396.18
A-V-1 173,434.89 173,434.89 0.00 0.00 0.00
A-V-2 34,401.41 34,401.41 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 71,372.71 83,071.81 0.00 0.00 12,681,462.38
M-2 27,450.84 31,950.46 0.00 0.00 4,877,448.25
M-3 23,059.47 26,839.28 0.00 0.00 4,097,192.29
B-1 10,980.33 12,780.18 0.00 0.00 1,950,979.28
B-2 6,588.42 7,668.36 0.00 0.00 1,170,626.38
B-3 8,773.47 10,211.58 0.00 0.00 1,533,950.61
-------------------------------------------------------------------------------
1,705,211.10 3,681,336.96 0.00 0.00 264,335,596.65
===============================================================================
Run: 12/22/00 09:52:22
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS6(POOL # 4301)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4301
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB-1 606.703312 7.185091 3.411528 10.596619 0.000000 599.518221
CB-2 1000.000000 0.000000 5.623058 5.623058 0.000000 1000.000000
CB-3 1000.000000 0.000000 5.623058 5.623058 0.000000 1000.000000
CB-4 65.382295 17.074421 0.367648 17.442069 0.000000 48.307874
CB-5 1000.000000 0.000000 5.623058 5.623058 0.000000 1000.000000
CB-6 524.763248 8.682045 2.950774 11.632819 0.000000 516.081203
CB-7 1000.000000 0.000000 5.623058 5.623058 0.000000 1000.000000
NB-1 500.298811 4.072111 2.813494 6.885605 0.000000 496.226701
NB-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
NB-3 1000.000000 0.000000 5.623626 5.623626 0.000000 1000.000000
NB-4 528.947553 3.431996 2.974604 6.406600 0.000000 525.515557
A-P 860.768657 1.171820 0.000000 1.171820 0.000000 859.596837
A-V-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-V-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 970.759166 0.894734 5.458507 6.353241 0.000000 969.864432
M-2 970.759171 0.894735 5.458509 6.353244 0.000000 969.864436
M-3 970.759167 0.894735 5.458509 6.353244 0.000000 969.864431
B-1 970.759162 0.894736 5.458506 6.353242 0.000000 969.864426
B-2 970.759171 0.894731 5.458509 6.353240 0.000000 969.864441
B-3 969.464673 0.893542 5.451225 6.344767 0.000000 953.090370
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS6 (POOL # 4301)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4301
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 55,288.51
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 13,947.94
SUBSERVICER ADVANCES THIS MONTH 49,173.63
MASTER SERVICER ADVANCES THIS MONTH 1,173.42
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 38 5,279,825.60
(B) TWO MONTHLY PAYMENTS: 8 892,630.27
(C) THREE OR MORE MONTHLY PAYMENTS: 2 121,654.94
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 404,577.80
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 264,335,596.65
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,204
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 4
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 153,362.55
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,707,570.70
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.10058550 % 8.13860300 % 1.75897300 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.04425540 % 8.19265479 % 1.76155860 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,845,602.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,845,602.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.01476600
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 319.15
POOL TRADING FACTOR: 65.70419272
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS6 (POOL # 4301)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4301
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 42,824.81
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 10,114.25
SUBSERVICER ADVANCES THIS MONTH 31,817.79
MASTER SERVICER ADVANCES THIS MONTH 1,173.42
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 33 3,435,267.59
(B) TWO MONTHLY PAYMENTS: 6 380,216.14
(C) THREE OR MORE MONTHLY PAYMENTS: 2 121,654.94
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 404,577.80
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 204,805,461.40
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,015
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 4
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 153,362.55
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,412,787.24
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.59826780 % 8.13860300 % 1.75897300 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.54336480 % 8.19265479 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,845,602.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,845,602.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.06044610
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 318.61
POOL TRADING FACTOR: 69.42292354
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS6 (POOL # 4301)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4301
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,463.70
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,833.69
SUBSERVICER ADVANCES THIS MONTH 17,355.84
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 5 1,844,558.01
(B) TWO MONTHLY PAYMENTS: 2 512,414.13
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 59,530,135.25
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 189
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 294,783.46
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 88.38506570 % 8.13860300 % 1.75897310 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 88.32755050 % 8.19265479 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,845,602.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,845,602.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.85760863
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 321.02
POOL TRADING FACTOR: 55.47992181
................................................................................
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Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS7(POOL # 4311)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4311
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB-1 76110FTZ6 172,668,000.00 91,638,958.09 6.750000 % 1,905,213.12
CB-2 76110FUA9 35,551,000.00 35,551,000.00 6.750000 % 0.00
CB-3 76110FUB7 44,215,000.00 44,215,000.00 6.750000 % 0.00
NB-1 76110FUC5 32,242,000.00 14,685,272.75 6.750000 % 1,107,276.33
NB-2 76110FUD3 77,840,000.00 43,200,242.31 6.750000 % 528,877.10
NB-3 76110FUE1 3,780,000.00 0.00 6.750000 % 0.00
NB-4 76110FUF8 13,684,000.00 13,684,000.00 6.750000 % 0.00
A-P 76110FUG6 73,404.89 64,503.98 0.000000 % 160.14
A-V 76110FUH4 0.00 0.00 0.930544 % 0.00
R 76110FUJ0 100.00 0.00 6.750000 % 0.00
M-1 76110FUK7 13,245,900.00 12,915,576.14 6.750000 % 11,809.32
M-2 76110FUL5 5,094,600.00 4,967,551.78 6.750000 % 4,542.07
M-3 76110FUM3 4,279,400.00 4,172,681.09 6.750000 % 3,815.28
B-1 76110FUN1 2,037,800.00 1,986,981.73 6.750000 % 1,816.79
B-2 76110FUP6 1,222,600.00 1,192,111.04 6.750000 % 1,090.00
B-3 76110FUQ4 1,631,527.35 1,432,584.59 6.750000 % 1,309.86
-------------------------------------------------------------------------------
407,565,332.24 269,706,463.50 3,565,910.01
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB-1 515,299.26 2,420,512.38 0.00 0.00 89,733,744.97
CB-2 199,908.47 199,908.47 0.00 0.00 35,551,000.00
CB-3 248,627.41 248,627.41 0.00 0.00 44,215,000.00
NB-1 82,584.31 1,189,860.64 0.00 0.00 13,577,996.42
NB-2 242,941.50 771,818.60 0.00 0.00 42,671,365.21
NB-3 0.00 0.00 0.00 0.00 0.00
NB-4 76,953.54 76,953.54 0.00 0.00 13,684,000.00
A-P 0.00 160.14 0.00 0.00 64,343.84
A-V 209,081.05 209,081.05 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 72,624.84 84,434.16 0.00 0.00 12,903,766.82
M-2 27,932.76 32,474.83 0.00 0.00 4,963,009.71
M-3 23,463.16 27,278.44 0.00 0.00 4,168,865.81
B-1 11,172.88 12,989.67 0.00 0.00 1,985,164.94
B-2 6,703.29 7,793.29 0.00 0.00 1,191,021.04
B-3 8,055.49 9,365.35 0.00 0.00 1,431,274.72
-------------------------------------------------------------------------------
1,725,347.96 5,291,257.97 0.00 0.00 266,140,553.48
===============================================================================
Run: 12/22/00 09:52:23
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS7(POOL # 4311)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4311
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB-1 530.723458 11.033968 2.984336 14.018304 0.000000 519.689491
CB-2 1000.000000 0.000000 5.623146 5.623146 0.000000 1000.000000
CB-3 1000.000000 0.000000 5.623146 5.623146 0.000000 1000.000000
NB-1 455.470279 34.342669 2.561389 36.904058 0.000000 421.127611
NB-2 554.987697 6.794413 3.121037 9.915450 0.000000 548.193284
NB-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
NB-4 1000.000000 0.000000 5.623614 5.623614 0.000000 1000.000000
A-P 878.742275 2.181618 0.000000 2.181618 0.000000 876.560656
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 975.062181 0.891545 5.482817 6.374362 0.000000 974.170635
M-2 975.062180 0.891546 5.482817 6.374363 0.000000 974.170634
M-3 975.062179 0.891546 5.482815 6.374361 0.000000 974.170634
B-1 975.062190 0.891545 5.482815 6.374360 0.000000 974.170645
B-2 975.062195 0.891543 5.482815 6.374358 0.000000 974.170653
B-3 878.063485 0.802843 4.937392 5.740235 0.000000 877.260637
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS7 (POOL # 4311)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4311
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 55,772.89
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,308.37
SUBSERVICER ADVANCES THIS MONTH 55,345.99
MASTER SERVICER ADVANCES THIS MONTH 2,745.85
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 27 3,334,814.26
(B) TWO MONTHLY PAYMENTS: 7 994,551.94
(C) THREE OR MORE MONTHLY PAYMENTS: 3 501,355.88
FORECLOSURES
NUMBER OF LOANS 18
AGGREGATE PRINCIPAL BALANCE 2,528,364.62
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 266,140,553.48
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,095
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 367,564.19
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,319,276.73
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.11003840 % 8.17770900 % 1.70988760 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 89.98666470 % 8.27970110 % 1.73163200 %
BANKRUPTCY AMOUNT AVAILABLE 158,374.00
FRAUD AMOUNT AVAILABLE 2,825,805.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,825,805.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.00862600
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 320.29
POOL TRADING FACTOR: 65.30009606
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS7 (POOL # 4311)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4311
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 39,132.26
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 6,653.41
SUBSERVICER ADVANCES THIS MONTH 35,485.32
MASTER SERVICER ADVANCES THIS MONTH 2,745.85
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 25 2,723,831.16
(B) TWO MONTHLY PAYMENTS: 5 473,836.72
(C) THREE OR MORE MONTHLY PAYMENTS: 3 501,355.88
FORECLOSURES
NUMBER OF LOANS 14
AGGREGATE PRINCIPAL BALANCE 1,053,018.28
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 187,295,314.96
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,846
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 367,564.19
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,748,394.06
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.59798340 % 8.17770900 % 1.70988760 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.51020490 % 8.27970110 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 158,374.00
FRAUD AMOUNT AVAILABLE 2,825,805.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,825,805.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.07131603
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 319.65
POOL TRADING FACTOR: 69.18044696
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS7 (POOL # 4311)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4311
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 16,640.63
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,654.96
SUBSERVICER ADVANCES THIS MONTH 19,860.67
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 2 610,983.10
(B) TWO MONTHLY PAYMENTS: 2 520,715.22
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 4
AGGREGATE PRINCIPAL BALANCE 1,475,346.34
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 78,845,238.52
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 249
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,570,882.67
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 88.96253270 % 8.17770900 % 1.70988760 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 88.74252560 % 8.27970110 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 158,374.00
FRAUD AMOUNT AVAILABLE 2,825,805.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,825,805.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.85970743
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 321.82
POOL TRADING FACTOR: 57.62240770
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS8(POOL # 4306)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4306
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 76110FTN3 124,454,000.00 85,821,591.37 6.500000 % 1,059,363.12
NB 76110FTP8 41,430,000.00 23,674,101.40 6.500000 % 185,688.70
A-P 76110FTQ6 63,383.01 54,154.66 0.000000 % 259.98
A-V 76110FTV5 0.00 0.00 0.930468 % 0.00
R 76110FTR4 100.00 0.00 6.500000 % 0.00
M-1 76110FTS2 4,507,000.00 4,054,480.97 6.500000 % 17,919.97
M-2 76110FTT0 780,000.00 701,685.18 6.500000 % 3,101.30
M-3 76110FTU7 693,500.00 623,870.07 6.500000 % 2,757.38
B-1 76110FTW3 520,000.00 467,790.16 6.500000 % 2,067.54
B-2 76110FTX1 433,500.00 389,975.02 6.500000 % 1,723.61
B-3 76110FTY9 433,464.63 389,943.27 6.500000 % 1,723.47
-------------------------------------------------------------------------------
173,314,947.64 116,177,592.10 1,274,605.07
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 464,409.28 1,523,772.40 0.00 0.00 84,762,228.25
NB 128,108.47 313,797.17 0.00 0.00 23,488,412.70
A-P 0.00 259.98 0.00 0.00 53,894.68
A-V 89,994.25 89,994.25 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 21,940.15 39,860.12 0.00 0.00 4,036,561.00
M-2 3,797.05 6,898.35 0.00 0.00 698,583.88
M-3 3,375.97 6,133.35 0.00 0.00 621,112.69
B-1 2,531.37 4,598.91 0.00 0.00 465,722.62
B-2 2,110.28 3,833.89 0.00 0.00 388,251.41
B-3 2,110.11 3,833.58 0.00 0.00 388,219.79
-------------------------------------------------------------------------------
718,376.93 1,992,982.00 0.00 0.00 114,902,987.02
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 689.584838 8.512086 3.731574 12.243660 0.000000 681.072752
NB 571.424123 4.481987 3.092167 7.574154 0.000000 566.942136
A-P 854.403412 4.101786 0.000000 4.101786 0.000000 850.301626
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 899.596399 3.976031 4.868016 8.844047 0.000000 895.620368
M-2 899.596385 3.976026 4.868013 8.844039 0.000000 895.620359
M-3 899.596352 3.976035 4.868017 8.844052 0.000000 895.620317
B-1 899.596462 3.976038 4.868019 8.844057 0.000000 895.620423
B-2 899.596355 3.976032 4.868005 8.844037 0.000000 895.620323
B-3 899.596514 3.976034 4.868010 8.844044 0.000000 895.620465
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:23 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS8 (POOL # 4306)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4306
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 24,079.83
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 5,502.26
SUBSERVICER ADVANCES THIS MONTH 26,222.38
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 20 1,674,753.51
(B) TWO MONTHLY PAYMENTS: 2 264,403.60
(C) THREE OR MORE MONTHLY PAYMENTS: 4 420,836.54
FORECLOSURES
NUMBER OF LOANS 3
AGGREGATE PRINCIPAL BALANCE 199,253.31
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 114,902,987.02
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,359
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 761,118.97
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.29250040 % 4.63087300 % 1.07396650 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.25467690 % 4.66154772 % 1.08158780 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 1,236,139.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,236,139.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.75793300
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 141.36
POOL TRADING FACTOR: 66.29721705
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS8 (POOL # 4306)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4306
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 18,813.13
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 4,020.15
SUBSERVICER ADVANCES THIS MONTH 19,163.84
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 19 1,427,878.50
(B) TWO MONTHLY PAYMENTS: 1 40,044.38
(C) THREE OR MORE MONTHLY PAYMENTS: 3 175,490.78
FORECLOSURES
NUMBER OF LOANS 3
AGGREGATE PRINCIPAL BALANCE 199,253.31
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 89,757,227.55
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,269
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 686,756.39
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.50897400 % 4.63087300 % 1.07396650 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.47039540 % 4.66154772 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 1,236,139.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,236,139.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.82084261
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 141.45
POOL TRADING FACTOR: 69.03261628
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS8 (POOL # 4306)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4306
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 5,266.70
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,482.11
SUBSERVICER ADVANCES THIS MONTH 7,058.54
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 1 246,875.01
(B) TWO MONTHLY PAYMENTS: 1 224,359.22
(C) THREE OR MORE MONTHLY PAYMENTS: 1 245,345.76
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 25,145,759.47
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 90
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 74,362.58
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 93.51600190 % 4.63087300 % 1.07396650 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 93.48434290 % 4.66154773 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 1,236,139.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,236,139.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.53337767
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 141.04
POOL TRADING FACTOR: 58.08210641
................................................................................
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Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS10(POOL # 4313)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4313
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FUR2 25,000,000.00 12,233,423.72 6.750000 % 326,132.09
A-2 76110FUS0 29,011,000.00 0.00 6.750000 % 0.00
A-3 76110FUT8 12,434,000.00 0.00 6.750000 % 0.00
A-4 76110FUU5 17,404,000.00 13,674,724.86 6.750000 % 1,154,011.89
A-5 76110FUV3 7,831,000.00 7,831,000.00 6.750000 % 0.00
A-6 76110FUW1 13,853,000.00 13,853,000.00 6.750000 % 0.00
A-7 76110FUX9 14,886,000.00 14,886,000.00 6.750000 % 0.00
A-8 76110FUY7 8,409,000.00 8,409,000.00 6.750000 % 0.00
A-9 76110FUZ4 5,000,000.00 5,000,000.00 6.750000 % 0.00
A-10 76110FVA8 16,186,000.00 15,803,268.88 6.750000 % 14,177.64
A-11 76110FVB6 10,998.00 10,296.76 0.000000 % 13.64
A-12 76110FVC4 0.00 0.00 0.984556 % 0.00
R 76110FVD2 100.00 0.00 6.750000 % 0.00
M-1 76110FVE0 4,827,000.00 4,712,861.68 6.750000 % 4,228.06
M-2 76110FVF7 2,011,300.00 1,963,741.18 6.750000 % 1,761.74
M-3 76110FVG5 2,011,300.00 1,963,741.18 6.750000 % 1,761.74
B-1 76110FVH3 884,900.00 863,975.82 6.750000 % 775.10
B-2 76110FVJ9 482,700.00 471,286.17 6.750000 % 422.81
B-3 76110FVK6 643,577.01 628,359.00 6.750000 % 563.72
-------------------------------------------------------------------------------
160,885,875.01 102,304,679.25 1,503,848.43
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 68,797.25 394,929.34 0.00 0.00 11,907,291.63
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 0.00 0.00 0.00 0.00
A-4 76,902.72 1,230,914.61 0.00 0.00 12,520,712.97
A-5 44,039.29 44,039.29 0.00 0.00 7,831,000.00
A-6 77,905.29 77,905.29 0.00 0.00 13,853,000.00
A-7 83,714.57 83,714.57 0.00 0.00 14,886,000.00
A-8 47,289.80 47,289.80 0.00 0.00 8,409,000.00
A-9 28,118.56 28,118.56 0.00 0.00 5,000,000.00
A-10 88,873.03 103,050.67 0.00 0.00 15,789,091.24
A-11 0.00 13.64 0.00 0.00 10,283.12
A-12 83,918.04 83,918.04 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 26,503.78 30,731.84 0.00 0.00 4,708,633.62
M-2 11,043.51 12,805.25 0.00 0.00 1,961,979.44
M-3 11,043.51 12,805.25 0.00 0.00 1,961,979.44
B-1 4,858.75 5,633.85 0.00 0.00 863,200.72
B-2 2,650.37 3,073.18 0.00 0.00 470,863.36
B-3 3,533.71 4,097.43 0.00 0.00 627,795.28
-------------------------------------------------------------------------------
659,192.18 2,163,040.61 0.00 0.00 100,800,830.82
===============================================================================
Run: 12/22/00 09:51:48
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS10(POOL # 4313)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4313
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 489.336949 13.045284 2.751890 15.797174 0.000000 476.291665
A-2 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 785.723102 66.307279 4.418681 70.725960 0.000000 719.415822
A-5 1000.000000 0.000000 5.623712 5.623712 0.000000 1000.000000
A-6 1000.000000 0.000000 5.623713 5.623713 0.000000 1000.000000
A-7 1000.000000 0.000000 5.623712 5.623712 0.000000 1000.000000
A-8 1000.000000 0.000000 5.623713 5.623713 0.000000 1000.000000
A-9 1000.000000 0.000000 5.623712 5.623712 0.000000 1000.000000
A-10 976.354188 0.875920 5.490735 6.366655 0.000000 975.478268
A-11 936.239316 1.240225 0.000000 1.240225 0.000000 934.999091
A-12 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 976.354191 0.875919 5.490735 6.366654 0.000000 975.478272
M-2 976.354189 0.875921 5.490732 6.366653 0.000000 975.478268
M-3 976.354189 0.875921 5.490732 6.366653 0.000000 975.478268
B-1 976.354187 0.875918 5.490733 6.366651 0.000000 975.478269
B-2 976.354195 0.875927 5.490719 6.366646 0.000000 975.478268
B-3 976.354019 0.875917 5.490734 6.366651 0.000000 975.478102
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:48 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS10 (POOL # 4313)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4313
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 21,126.05
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,161.18
SUBSERVICER ADVANCES THIS MONTH 31,964.91
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 17 2,307,258.04
(B) TWO MONTHLY PAYMENTS: 4 450,591.88
(C) THREE OR MORE MONTHLY PAYMENTS: 2 504,548.52
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 1,020,359.70
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 100,800,830.82
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 813
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,412,063.40
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 89.63387360 % 8.44654800 % 1.91957850 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 89.48864540 % 8.56400927 % 1.94647160 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 1,105,289.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,275,183.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.06051481
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 321.44
POOL TRADING FACTOR: 62.65362377
................................................................................
Run: 12/22/00 09:51:48 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS9(POOL # 4314)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4314
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FVL4 99,000,000.00 0.00 6.750000 % 0.00
A-2 76110FVM2 43,000,000.00 17,295,442.59 6.750000 % 3,369,240.07
A-3 76110FVN0 60,000,000.00 60,000,000.00 6.750000 % 0.00
A-4 76110FVP5 27,000,000.00 27,000,000.00 6.750000 % 0.00
A-5 76110FVQ3 52,500,000.00 52,500,000.00 6.750000 % 0.00
A-6 76110FVR1 36,500,000.00 36,500,000.00 6.750000 % 0.00
A-7 76110FVS9 25,000,000.00 25,000,000.00 6.750000 % 0.00
A-8 76110FVT7 10,405,000.00 10,405,000.00 7.417500 % 0.00
A-9 76110FVU4 3,469,000.00 3,469,000.00 4.747888 % 0.00
A-10 76110FVV2 7,590,000.00 6,499,490.16 6.750000 % 38,092.33
A-11 76110FVW0 7,500,000.00 7,500,000.00 6.750000 % 0.00
A-12 76110FVX8 28,126,000.00 28,126,000.00 6.750000 % 0.00
A-13 76110FVY6 77,829.78 70,466.23 0.000000 % 72.11
A-14 76110FVZ3 0.00 0.00 0.919685 % 0.00
R 76110FWA7 100.00 0.00 6.750000 % 0.00
M-1 76110FWB5 11,770,000.00 11,496,620.84 6.750000 % 10,395.92
M-2 76110FWC3 5,349,900.00 5,225,639.07 6.750000 % 4,725.33
M-3 76110FWD1 5,349,900.00 5,225,639.07 6.750000 % 4,725.33
B-1 76110FWE9 2,354,000.00 2,299,324.19 6.750000 % 2,079.18
B-2 76110FWF6 1,284,000.00 1,254,176.80 6.750000 % 1,134.10
B-3 76110FWG4 1,712,259.01 1,416,344.10 6.750000 % 1,280.74
-------------------------------------------------------------------------------
427,987,988.79 301,283,143.05 3,431,745.11
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 97,244.51 3,466,484.58 0.00 0.00 13,926,202.52
A-3 337,353.09 337,353.09 0.00 0.00 60,000,000.00
A-4 151,808.89 151,808.89 0.00 0.00 27,000,000.00
A-5 295,183.95 295,183.95 0.00 0.00 52,500,000.00
A-6 205,223.13 205,223.13 0.00 0.00 36,500,000.00
A-7 140,563.79 140,563.79 0.00 0.00 25,000,000.00
A-8 64,287.91 64,287.91 0.00 0.00 10,405,000.00
A-9 13,719.38 13,719.38 0.00 0.00 3,469,000.00
A-10 36,543.72 74,636.05 0.00 0.00 6,461,397.83
A-11 42,169.14 42,169.14 0.00 0.00 7,500,000.00
A-12 158,139.88 158,139.88 0.00 0.00 28,126,000.00
A-13 0.00 72.11 0.00 0.00 70,394.12
A-14 230,804.11 230,804.11 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 64,640.34 75,036.26 0.00 0.00 11,486,224.92
M-2 29,381.43 34,106.76 0.00 0.00 5,220,913.74
M-3 29,381.43 34,106.76 0.00 0.00 5,220,913.74
B-1 12,928.07 15,007.25 0.00 0.00 2,297,245.01
B-2 7,051.67 8,185.77 0.00 0.00 1,253,042.70
B-3 7,963.47 9,244.21 0.00 0.00 1,415,063.36
-------------------------------------------------------------------------------
1,924,387.91 5,356,133.02 0.00 0.00 297,851,397.94
===============================================================================
Run: 12/22/00 09:51:48
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS9(POOL # 4314)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4314
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 402.219595 78.354420 2.261500 80.615920 0.000000 323.865175
A-3 1000.000000 0.000000 5.622552 5.622552 0.000000 1000.000000
A-4 1000.000000 0.000000 5.622551 5.622551 0.000000 1000.000000
A-5 1000.000000 0.000000 5.622551 5.622551 0.000000 1000.000000
A-6 1000.000000 0.000000 5.622552 5.622552 0.000000 1000.000000
A-7 1000.000000 0.000000 5.622552 5.622552 0.000000 1000.000000
A-8 1000.000000 0.000000 6.178559 6.178559 0.000000 1000.000000
A-9 1000.000000 0.000000 3.954852 3.954852 0.000000 1000.000000
A-10 856.322814 5.018752 4.814719 9.833471 0.000000 851.304062
A-11 1000.000000 0.000000 5.622552 5.622552 0.000000 1000.000000
A-12 1000.000000 0.000000 5.622551 5.622551 0.000000 1000.000000
A-13 905.389043 0.926509 0.000000 0.926509 0.000000 904.462534
A-14 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 976.773223 0.883256 5.491958 6.375214 0.000000 975.889968
M-2 976.773224 0.883256 5.491959 6.375215 0.000000 975.889968
M-3 976.773224 0.883256 5.491959 6.375215 0.000000 975.889968
B-1 976.773233 0.883254 5.491958 6.375212 0.000000 975.889979
B-2 976.773209 0.883255 5.491955 6.375210 0.000000 975.889953
B-3 827.178652 0.747983 4.650856 5.398839 0.000000 826.430670
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:49 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS9 (POOL # 4314)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4314
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 62,253.85
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,669.75
SUBSERVICER ADVANCES THIS MONTH 54,931.35
MASTER SERVICER ADVANCES THIS MONTH 3,587.55
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 37 4,942,403.03
(B) TWO MONTHLY PAYMENTS: 7 751,742.82
(C) THREE OR MORE MONTHLY PAYMENTS: 2 133,435.72
FORECLOSURES
NUMBER OF LOANS 12
AGGREGATE PRINCIPAL BALANCE 1,686,880.43
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 297,851,397.94
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,348
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 473,116.16
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,159,299.18
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.06354210 % 7.28651200 % 1.64994550 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.96873100 % 7.36207805 % 1.66745060 %
BANKRUPTCY AMOUNT AVAILABLE 172,792.00
FRAUD AMOUNT AVAILABLE 3,109,031.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,109,031.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.99695124
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 322.78
POOL TRADING FACTOR: 69.59340116
................................................................................
Run: 12/22/00 09:51:50 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS11(POOL # 4319)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4319
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FWH2 112,117,000.00 0.00 6.750000 % 0.00
A-2 76110FWJ8 47,967,000.00 27,076,388.99 6.750000 % 3,994,496.30
A-3 76110FWK5 67,521,000.00 67,521,000.00 6.750000 % 0.00
A-4 76110FWL3 30,346,000.00 30,346,000.00 6.750000 % 0.00
A-5 76110FWM1 45,610,000.00 45,610,000.00 6.750000 % 0.00
A-6 76110FWN9 28,628,000.00 28,628,000.00 6.750000 % 0.00
A-7 76110FWP4 16,219,000.00 16,219,000.00 7.420000 % 0.00
A-8 76110FWQ2 5,046,000.00 5,046,000.00 4.596996 % 0.00
A-9 76110FWR0 96,429,000.00 96,429,000.00 6.750000 % 0.00
A-10 76110FWS8 62,872.89 57,212.69 0.000000 % 78.42
A-11 76110FWT6 0.00 0.00 0.858522 % 0.00
R 76110FWU3 100.00 0.00 6.750000 % 0.00
M-1 76110FWV1 13,198,800.00 12,897,555.72 6.750000 % 15,040.28
M-2 76110FWW9 6,000,000.00 5,863,058.36 6.750000 % 6,837.11
M-3 76110FWX7 4,799,500.00 4,689,958.09 6.750000 % 5,469.12
B-1 76110FWY5 2,639,600.00 2,579,354.79 6.750000 % 3,007.87
B-2 76110FWZ2 1,439,500.00 1,406,645.40 6.750000 % 1,640.34
B-3 76110FXA6 1,919,815.88 1,769,049.03 6.750000 % 757.00
-------------------------------------------------------------------------------
479,943,188.77 346,138,223.07 4,027,326.44
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 152,226.77 4,146,723.07 0.00 0.00 23,081,892.69
A-3 379,611.32 379,611.32 0.00 0.00 67,521,000.00
A-4 170,608.92 170,608.92 0.00 0.00 30,346,000.00
A-5 256,425.00 256,425.00 0.00 0.00 45,610,000.00
A-6 160,950.12 160,950.12 0.00 0.00 28,628,000.00
A-7 100,236.17 100,236.17 0.00 0.00 16,219,000.00
A-8 19,320.48 19,320.48 0.00 0.00 5,046,000.00
A-9 542,135.63 542,135.63 0.00 0.00 96,429,000.00
A-10 0.00 78.42 0.00 0.00 57,134.27
A-11 247,512.64 247,512.64 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 72,511.63 87,551.91 0.00 0.00 12,882,515.44
M-2 32,962.83 39,799.94 0.00 0.00 5,856,221.25
M-3 26,367.51 31,836.63 0.00 0.00 4,684,488.97
B-1 14,501.45 17,509.32 0.00 0.00 2,576,346.92
B-2 7,908.33 9,548.67 0.00 0.00 1,405,005.06
B-3 9,945.81 10,702.81 0.00 0.00 1,766,986.06
-------------------------------------------------------------------------------
2,193,224.61 6,220,551.05 0.00 0.00 342,109,590.66
===============================================================================
Run: 12/22/00 09:51:50
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS11(POOL # 4319)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4319
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 564.479517 83.275925 3.173573 86.449498 0.000000 481.203592
A-3 1000.000000 0.000000 5.622122 5.622122 0.000000 1000.000000
A-4 1000.000000 0.000000 5.622122 5.622122 0.000000 1000.000000
A-5 1000.000000 0.000000 5.622122 5.622122 0.000000 1000.000000
A-6 1000.000000 0.000000 5.622122 5.622122 0.000000 1000.000000
A-7 1000.000000 0.000000 6.180170 6.180170 0.000000 1000.000000
A-8 1000.000000 0.000000 3.828870 3.828870 0.000000 1000.000000
A-9 1000.000000 0.000000 5.622122 5.622122 0.000000 1000.000000
A-10 909.973917 1.247278 0.000000 1.247278 0.000000 908.726639
A-11 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 977.176389 1.139519 5.493805 6.633324 0.000000 976.036870
M-2 977.176393 1.139518 5.493805 6.633323 0.000000 976.036875
M-3 977.176391 1.139519 5.493804 6.633323 0.000000 976.036873
B-1 977.176387 1.139517 5.493806 6.633323 0.000000 976.036869
B-2 977.176381 1.139521 5.493803 6.633324 0.000000 976.036860
B-3 921.468068 0.394309 5.180606 5.574915 0.000000 920.393501
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:50 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS11 (POOL # 4319)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4319
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 71,593.06
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 10,488.58
SUBSERVICER ADVANCES THIS MONTH 78,963.26
MASTER SERVICER ADVANCES THIS MONTH 1,357.21
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 57 7,666,937.41
(B) TWO MONTHLY PAYMENTS: 6 787,615.37
(C) THREE OR MORE MONTHLY PAYMENTS: 10 980,480.14
FORECLOSURES
NUMBER OF LOANS 11
AGGREGATE PRINCIPAL BALANCE 1,269,735.93
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 342,109,590.66
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,685
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 179,065.74
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,624,993.82
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.56104480 % 6.77603600 % 1.66291970 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.47161110 % 6.84670243 % 1.68054280 %
BANKRUPTCY AMOUNT AVAILABLE 136,972.00
FRAUD AMOUNT AVAILABLE 3,565,504.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,565,504.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.93538890
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 322.10
POOL TRADING FACTOR: 71.28126801
................................................................................
Run: 12/22/00 09:52:24 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS12(POOL # 4321)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4321
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB-1 76110FXN8 188,037,444.00 139,960,688.26 7.000000 % 2,043,632.25
CB-2 76110FXP8 6,964,350.00 5,183,729.33 0.000000 % 75,690.09
NB-1 76110FXQ1 25,499,800.00 10,373,008.71 6.750000 % 727,770.88
NB-2 76110FXR9 7,423,000.00 7,423,000.00 6.750000 % 0.00
NB-3 76110FXS7 21,430,159.00 21,430,159.00 6.750000 % 0.00
NB-4 76110FXT5 4,020,000.00 4,020,000.00 6.750000 % 0.00
NB-5 76110FXU2 10,500,000.00 10,500,000.00 6.750000 % 0.00
NB-6 76110FXV0 0.00 0.00 0.350000 % 0.00
NB-7 76110FXW8 15,249,000.00 7,350,930.91 6.400000 % 379,982.02
NB-8 76110FXX6 20,899,000.00 12,222,632.40 6.100000 % 417,426.54
NB-9 76110FXY4 0.00 0.00 0.650000 % 0.00
A-P 76110FXZ1 58,061.92 48,837.04 0.000000 % 57.89
A-V 76110FYA5 0.00 0.00 0.817652 % 0.00
R-I 76110FYB3 100.00 0.00 6.750000 % 0.00
R-II 76110FYC1 100.00 0.00 6.750000 % 0.00
M-1 76110FYD9 8,802,500.00 8,603,685.31 6.750000 % 15,592.63
M-2 76110FYE7 4,001,000.00 3,910,632.74 6.750000 % 7,087.32
M-3 76110FYF4 3,201,000.00 3,128,701.67 6.750000 % 5,670.21
B-1 76110FYG2 1,760,300.00 1,720,541.58 6.750000 % 3,118.17
B-2 76110FYH0 960,000.00 938,317.26 6.750000 % 1,700.53
B-3 76110FYJ6 1,280,602.22 1,197,092.67 6.750000 % 2,169.51
-------------------------------------------------------------------------------
320,086,417.14 238,011,956.88 3,679,898.04
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB-1 816,154.98 2,859,787.23 0.00 0.00 137,917,056.01
CB-2 0.00 75,690.09 0.00 0.00 5,108,039.24
NB-1 58,339.92 786,110.80 0.00 0.00 9,645,237.83
NB-2 41,748.48 41,748.48 0.00 0.00 7,423,000.00
NB-3 120,527.59 120,527.59 0.00 0.00 21,430,159.00
NB-4 22,609.30 22,609.30 0.00 0.00 4,020,000.00
NB-5 59,054.15 59,054.15 0.00 0.00 10,500,000.00
NB-6 2,143.72 2,143.72 0.00 0.00 0.00
NB-7 39,199.42 419,181.44 0.00 0.00 6,970,948.89
NB-8 62,122.92 479,549.46 0.00 0.00 11,805,205.86
NB-9 6,619.65 6,619.65 0.00 0.00 0.00
A-P 0.00 57.89 0.00 0.00 48,779.15
A-V 162,130.97 162,130.97 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 48,380.73 63,973.36 0.00 0.00 8,588,092.68
M-2 21,990.49 29,077.81 0.00 0.00 3,903,545.42
M-3 17,593.49 23,263.70 0.00 0.00 3,123,031.46
B-1 9,675.05 12,793.22 0.00 0.00 1,717,423.41
B-2 5,276.39 6,976.92 0.00 0.00 936,616.73
B-3 6,731.56 8,901.07 0.00 0.00 1,194,646.60
-------------------------------------------------------------------------------
1,500,298.81 5,180,196.85 0.00 0.00 234,331,782.28
===============================================================================
Run: 12/22/00 09:52:24
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS12(POOL # 4321)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4321
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB-1 744.323499 10.868220 4.340385 15.208605 0.000000 733.455279
CB-2 744.323495 10.868220 0.000000 10.868220 0.000000 733.455274
NB-1 406.787846 28.540258 2.287858 30.828116 0.000000 378.247588
NB-2 1000.000000 0.000000 5.624206 5.624206 0.000000 1000.000000
NB-3 1000.000000 0.000000 5.624204 5.624204 0.000000 1000.000000
NB-4 1000.000000 0.000000 5.624204 5.624204 0.000000 1000.000000
NB-5 1000.000000 0.000000 5.624205 5.624205 0.000000 1000.000000
NB-6 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
NB-7 482.059867 24.918488 2.570622 27.489110 0.000000 457.141379
NB-8 584.842930 19.973517 2.972531 22.946048 0.000000 564.869413
NB-9 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-P 841.119963 0.997012 0.000000 0.997012 0.000000 840.122951
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 977.413838 1.771387 5.496249 7.267636 0.000000 975.642452
M-2 977.413832 1.771387 5.496248 7.267635 0.000000 975.642444
M-3 977.413830 1.771387 5.496248 7.267635 0.000000 975.642443
B-1 977.413839 1.771386 5.496251 7.267637 0.000000 975.642453
B-2 977.413813 1.771385 5.496240 7.267625 0.000000 975.642427
B-3 934.788845 1.694133 5.256558 6.950691 0.000000 932.878749
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:24 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS12 (POOL # 4321)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4321
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 49,188.14
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 7,810.78
SUBSERVICER ADVANCES THIS MONTH 47,059.47
MASTER SERVICER ADVANCES THIS MONTH 2,328.31
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 32 4,280,641.49
(B) TWO MONTHLY PAYMENTS: 8 993,160.49
(C) THREE OR MORE MONTHLY PAYMENTS: 2 169,554.44
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 1,068,837.11
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 234,331,782.28
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,698
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 299,466.41
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,245,437.95
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.78704780 % 6.57236700 % 1.62006630 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.69237370 % 6.66348773 % 1.64275120 %
BANKRUPTCY AMOUNT AVAILABLE 113,976.00
FRAUD AMOUNT AVAILABLE 2,395,084.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,395,084.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.89332400
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 324.60
POOL TRADING FACTOR: 73.20891164
Run: 12/22/00 09:52:24 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS12 (POOL # 4321)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4321
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 32,664.49
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 7,810.78
SUBSERVICER ADVANCES THIS MONTH 29,152.00
MASTER SERVICER ADVANCES THIS MONTH 2,328.31
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 26 2,591,769.94
(B) TWO MONTHLY PAYMENTS: 7 727,202.31
(C) THREE OR MORE MONTHLY PAYMENTS: 2 169,554.44
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 547,484.34
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 155,662,463.51
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,441
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 299,466.41
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,785,510.48
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.99022450 % 6.57236700 % 1.62006630 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.89859400 % 6.66348773 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 113,976.00
FRAUD AMOUNT AVAILABLE 2,395,084.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,395,084.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.96986916
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 323.43
POOL TRADING FACTOR: 74.82262178
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS12 (POOL # 4321)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4321
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 16,523.65
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 17,907.47
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 6 1,688,871.55
(B) TWO MONTHLY PAYMENTS: 1 265,958.18
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 521,352.77
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 78,669,318.77
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 257
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,459,927.47
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.44313570 % 6.57236700 % 1.62006630 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.28429950 % 6.66348773 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 113,976.00
FRAUD AMOUNT AVAILABLE 2,395,084.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,395,084.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.74186430
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 326.92
POOL TRADING FACTOR: 70.21260535
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS13(POOL # 4322)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4322
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 112,514,000.00 84,590,085.41 6.500000 % 1,512,002.84
NB 37,758,000.00 26,685,163.26 6.500000 % 541,340.61
A-P 53,454.22 48,149.31 0.000000 % 209.23
A-V 0.00 0.00 0.845632 % 0.00
R 100.00 0.00 6.500000 % 0.00
M-1 4,083,000.00 3,716,920.36 6.500000 % 15,579.98
M-2 706,500.00 643,155.59 6.500000 % 2,695.87
M-3 628,000.00 571,693.86 6.500000 % 2,396.33
B-1 471,000.00 428,770.41 6.500000 % 1,797.25
B-2 314,000.00 285,846.93 6.500000 % 1,198.17
B-3 471,221.05 428,971.65 6.500000 % 1,798.09
-------------------------------------------------------------------------------
156,999,275.27 117,398,756.78 2,079,018.37
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 457,894.94 1,969,897.78 0.00 0.00 83,078,082.57
NB 144,449.56 685,790.17 0.00 0.00 26,143,822.65
A-P 0.00 209.23 0.00 0.00 47,940.08
A-V 82,675.68 82,675.68 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 20,120.08 35,700.06 0.00 0.00 3,701,340.38
M-2 3,481.47 6,177.34 0.00 0.00 640,459.72
M-3 3,094.64 5,490.97 0.00 0.00 569,297.53
B-1 2,320.98 4,118.23 0.00 0.00 426,973.16
B-2 1,547.32 2,745.49 0.00 0.00 284,648.76
B-3 2,322.07 4,120.16 0.00 0.00 427,173.56
-------------------------------------------------------------------------------
717,906.74 2,796,925.11 0.00 0.00 115,319,738.41
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 751.818311 13.438353 4.069671 17.508024 0.000000 738.379958
NB 706.741969 14.337110 3.825668 18.162778 0.000000 692.404859
A-P 900.757882 3.914107 0.000000 3.914107 0.000000 896.843775
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 910.340524 3.815817 4.927769 8.743586 0.000000 906.524707
M-2 910.340538 3.815810 4.927771 8.743581 0.000000 906.524728
M-3 910.340541 3.815812 4.927771 8.743583 0.000000 906.524729
B-1 910.340573 3.815817 4.927771 8.743588 0.000000 906.524756
B-2 910.340541 3.815828 4.927771 8.743599 0.000000 906.524713
B-3 910.340593 3.815810 4.927772 8.743582 0.000000 906.524773
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:24 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS13 (POOL # 4322)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4322
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 24,306.77
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 4,227.18
SUBSERVICER ADVANCES THIS MONTH 16,037.14
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 9 828,754.03
(B) TWO MONTHLY PAYMENTS: 4 295,155.05
(C) THREE OR MORE MONTHLY PAYMENTS: 2 157,517.01
FORECLOSURES
NUMBER OF LOANS 4
AGGREGATE PRINCIPAL BALANCE 313,970.59
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 115,319,738.41
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,186
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,586,919.36
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.82289960 % 4.20087100 % 0.97410660 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.75162770 % 4.25867913 % 0.98792200 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 1,187,991.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,498,952.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.67359800
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 145.65
POOL TRADING FACTOR: 73.45240175
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS13 (POOL # 4322)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4322
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 18,470.72
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,359.10
SUBSERVICER ADVANCES THIS MONTH 16,037.14
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 9 828,754.03
(B) TWO MONTHLY PAYMENTS: 4 295,155.05
(C) THREE OR MORE MONTHLY PAYMENTS: 2 157,517.01
FORECLOSURES
NUMBER OF LOANS 4
AGGREGATE PRINCIPAL BALANCE 313,970.59
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 87,620,465.79
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,096
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,157,689.46
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.88309920 % 4.20087100 % 0.97410660 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.81584220 % 4.25867913 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 1,187,991.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,498,952.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.73220032
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 145.32
POOL TRADING FACTOR: 74.55070267
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS13 (POOL # 4322)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4322
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 5,836.05
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 868.08
SUBSERVICER ADVANCES THIS MONTH 0.00
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 27,699,272.62
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 90
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 429,229.90
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.47126520 % 4.20087100 % 0.97410660 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.38450970 % 4.25867912 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 0.00
FRAUD AMOUNT AVAILABLE 1,187,991.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,498,952.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.48822263
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 146.71
POOL TRADING FACTOR: 70.18177382
................................................................................
Run: 12/22/00 09:51:52 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS14(POOL # 4335)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4335
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FYK3 104,208,000.00 63,960,156.01 6.750000 % 3,064,542.41
A-2 76110FYL1 97,975,000.00 61,959,523.98 6.500000 % 291,148.50
A-3 76110FYM9 46,000,000.00 29,090,462.40 6.250000 % 136,696.39
A-4 76110FYN7 37,995,000.00 24,028,089.45 8.000000 % 112,908.25
A-5 76110FYP2 25,759,000.00 25,759,000.00 6.750000 % 0.00
A-6 76110FYQ0 88,071,000.00 88,071,000.00 6.750000 % 0.00
A-P 76110FYR8 95,321.30 87,381.13 0.000000 % 3,440.56
A-V 76110FYS6 0.00 0.00 0.803321 % 0.00
R 76110FYT4 100.00 0.00 6.750000 % 0.00
M-1 76110FYU1 12,410,000.00 12,147,592.56 6.750000 % 10,845.18
M-2 76110FYV9 5,563,000.00 5,445,371.28 6.750000 % 4,861.54
M-3 76110FYW7 4,279,000.00 4,188,521.24 6.750000 % 3,739.45
B-1 76110FYX5 2,567,500.00 2,513,210.65 6.750000 % 2,243.75
B-2 76110FYY3 1,283,800.00 1,256,654.25 6.750000 % 1,121.92
B-3 76110FYZ0 1,711,695.86 1,602,240.87 6.750000 % 1,430.46
-------------------------------------------------------------------------------
427,918,417.16 320,109,203.82 3,632,978.41
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 359,696.07 3,424,238.48 0.00 0.00 60,895,613.60
A-2 335,539.64 626,688.14 0.00 0.00 61,668,375.48
A-3 151,479.22 288,175.61 0.00 0.00 28,953,766.01
A-4 160,151.72 273,059.97 0.00 0.00 23,915,181.20
A-5 144,862.24 144,862.24 0.00 0.00 25,759,000.00
A-6 495,289.48 495,289.48 0.00 0.00 88,071,000.00
A-P 0.00 3,440.56 0.00 0.00 83,940.57
A-V 214,244.42 214,244.42 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 68,315.05 79,160.23 0.00 0.00 12,136,747.38
M-2 30,623.41 35,484.95 0.00 0.00 5,440,509.74
M-3 23,555.20 27,294.65 0.00 0.00 4,184,781.79
B-1 14,133.67 16,377.42 0.00 0.00 2,510,966.90
B-2 7,067.11 8,189.03 0.00 0.00 1,255,532.33
B-3 9,010.60 10,441.06 0.00 0.00 1,501,973.09
-------------------------------------------------------------------------------
2,013,967.83 5,646,946.24 0.00 0.00 316,377,388.09
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 613.773952 29.407938 3.451713 32.859651 0.000000 584.366014
A-2 632.401367 2.971661 3.424748 6.396409 0.000000 629.429706
A-3 632.401357 2.971661 3.293027 6.264688 0.000000 629.429696
A-4 632.401354 2.971661 4.215074 7.186735 0.000000 629.429693
A-5 1000.000000 0.000000 5.623752 5.623752 0.000000 1000.000000
A-6 1000.000000 0.000000 5.623752 5.623752 0.000000 1000.000000
A-P 916.700989 36.094346 0.000000 36.094346 0.000000 880.606643
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 978.855162 0.873907 5.504839 6.378746 0.000000 977.981255
M-2 978.855164 0.873906 5.504837 6.378743 0.000000 977.981258
M-3 978.855162 0.873907 5.504838 6.378745 0.000000 977.981255
B-1 978.855170 0.873905 5.504837 6.378742 0.000000 977.981266
B-2 978.855157 0.873906 5.504837 6.378743 0.000000 977.981251
B-3 936.054651 0.835698 5.264136 6.099834 0.000000 877.476613
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS14 (POOL # 4335)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4335
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 66,183.98
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,905.91
SUBSERVICER ADVANCES THIS MONTH 66,881.37
MASTER SERVICER ADVANCES THIS MONTH 2,104.80
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 41 4,281,525.41
(B) TWO MONTHLY PAYMENTS: 9 1,856,888.76
(C) THREE OR MORE MONTHLY PAYMENTS: 16 2,042,712.07
FORECLOSURES
NUMBER OF LOANS 9
AGGREGATE PRINCIPAL BALANCE 1,033,023.62
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 316,377,388.09
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,504
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 293,607.69
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,324,241.13
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.51508150 % 6.80625000 % 1.67866860 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.45397690 % 6.87850641 % 1.66569130 %
BANKRUPTCY AMOUNT AVAILABLE 125,051.00
FRAUD AMOUNT AVAILABLE 3,230,370.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,230,370.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.87907404
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 325.50
POOL TRADING FACTOR: 73.93404336
................................................................................
Run: 12/22/00 09:52:24 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS15(POOL # 4336)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4336
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 250,018,000.00 192,293,882.69 6.500000 % 2,169,235.51
NB 150,029,000.00 111,680,306.18 6.500000 % 232,305.60
A-V 0.00 0.00 0.987938 % 0.00
R 100.00 0.00 6.500000 % 0.00
M-1 14,626,000.00 14,306,275.65 6.500000 % 12,925.63
M-2 5,377,000.00 5,259,458.78 6.500000 % 4,751.89
M-3 4,517,000.00 4,418,258.40 6.500000 % 3,991.87
B-1 2,581,000.00 2,524,579.34 6.500000 % 2,280.94
B-2 1,290,500.00 1,262,289.64 6.500000 % 1,140.47
B-3 1,720,903.67 1,233,109.94 6.500000 % 1,114.11
-------------------------------------------------------------------------------
430,159,503.67 332,978,160.62 2,427,746.02
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 1,040,985.65 3,210,221.16 0.00 0.00 190,124,647.18
NB 604,328.35 836,633.95 0.00 0.00 111,448,000.58
A-V 273,932.76 273,932.76 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 77,425.79 90,351.42 0.00 0.00 14,293,350.02
M-2 28,464.28 33,216.17 0.00 0.00 5,254,706.89
M-3 23,911.68 27,903.55 0.00 0.00 4,414,266.53
B-1 13,663.06 15,944.00 0.00 0.00 2,522,298.40
B-2 6,831.53 7,972.00 0.00 0.00 1,261,149.17
B-3 6,673.61 7,787.72 0.00 0.00 1,231,995.83
-------------------------------------------------------------------------------
2,076,216.71 4,503,962.73 0.00 0.00 330,550,414.60
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 769.120154 8.676317 4.163643 12.839960 0.000000 760.443837
NB 744.391459 1.548405 4.028077 5.576482 0.000000 742.843054
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 978.140001 0.883743 5.293709 6.177452 0.000000 977.256257
M-2 978.140000 0.883744 5.293710 6.177454 0.000000 977.256256
M-3 978.140004 0.883744 5.293708 6.177452 0.000000 977.256261
B-1 978.140000 0.883743 5.293708 6.177451 0.000000 977.256257
B-2 978.139977 0.883743 5.293708 6.177451 0.000000 977.256234
B-3 716.547917 0.647398 3.877968 4.525366 0.000000 715.900519
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:24 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS15 (POOL # 4336)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4336
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 69,100.19
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,941.41
SUBSERVICER ADVANCES THIS MONTH 82,793.45
MASTER SERVICER ADVANCES THIS MONTH 4,556.87
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 53 7,559,150.03
(B) TWO MONTHLY PAYMENTS: 8 945,799.42
(C) THREE OR MORE MONTHLY PAYMENTS: 12 1,626,375.69
FORECLOSURES
NUMBER OF LOANS 9
AGGREGATE PRINCIPAL BALANCE 1,341,757.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 330,550,414.60
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,424
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 632,657.36
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,126,892.90
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.28952730 % 7.20287300 % 1.50760010 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.23348040 % 7.24921899 % 1.51730060 %
BANKRUPTCY AMOUNT AVAILABLE 127,875.00
FRAUD AMOUNT AVAILABLE 3,303,613.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,303,613.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.78719500
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 326.78
POOL TRADING FACTOR: 76.84368514
Run: 12/22/00 09:52:24 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS15 (POOL # 4336)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4336
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 43,624.28
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,090.10
SUBSERVICER ADVANCES THIS MONTH 60,455.80
MASTER SERVICER ADVANCES THIS MONTH 1,235.79
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 48 5,741,418.23
(B) TWO MONTHLY PAYMENTS: 7 702,126.23
(C) THREE OR MORE MONTHLY PAYMENTS: 10 1,105,486.94
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 802,762.27
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 208,488,434.09
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,043
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 162,214.85
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,997,460.87
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.27552610 % 0.00000000 % 1.50760010 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.19193970 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 127,875.00
FRAUD AMOUNT AVAILABLE 3,303,613.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,303,613.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.89447438
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 325.94
POOL TRADING FACTOR: 77.55196150
Run: 12/22/00 09:52:24 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1998-QS15 (POOL # 4336)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4336
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 25,475.91
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 5,851.31
SUBSERVICER ADVANCES THIS MONTH 22,337.65
MASTER SERVICER ADVANCES THIS MONTH 3,321.08
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 5 1,817,731.80
(B) TWO MONTHLY PAYMENTS: 1 243,673.19
(C) THREE OR MORE MONTHLY PAYMENTS: 2 520,888.75
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 538,994.73
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 122,061,980.51
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 381
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 470,442.51
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 129,432.03
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.31364500 % 0.00000000 % 1.50760010 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.30443410 % 0.00000000 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 127,875.00
FRAUD AMOUNT AVAILABLE 3,303,613.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,303,613.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.60395591
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 328.21
POOL TRADING FACTOR: 75.66337209
................................................................................
Run: 12/22/00 09:51:52 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS16(POOL # 4337)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4337
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FZA4 109,739,000.00 84,542,998.54 6.500000 % 1,731,793.52
A-P 76110FZB2 32,286.88 25,894.02 0.000000 % 109.99
A-V 76110FZC0 0.00 0.00 0.739404 % 0.00
R 76110FZD8 100.00 0.00 6.500000 % 0.00
M-1 76110FZE6 3,276,000.00 3,007,323.46 6.500000 % 12,324.96
M-2 76110FZF3 517,300.00 474,874.37 6.500000 % 1,946.18
M-3 76110FZG1 459,700.00 421,998.37 6.500000 % 1,729.48
B-1 76110FZH9 344,800.00 316,521.70 6.500000 % 1,297.21
B-2 76110FZJ5 229,800.00 210,953.26 6.500000 % 864.55
B-3 76110FZK2 344,884.43 271,990.52 6.500000 % 1,114.70
-------------------------------------------------------------------------------
114,943,871.31 89,272,554.24 1,751,180.59
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 457,565.12 2,189,358.64 0.00 0.00 82,811,205.02
A-P 0.00 109.99 0.00 0.00 25,784.03
A-V 54,961.92 54,961.92 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 16,276.29 28,601.25 0.00 0.00 2,994,998.50
M-2 2,570.13 4,516.31 0.00 0.00 472,928.19
M-3 2,283.94 4,013.42 0.00 0.00 420,268.89
B-1 1,713.08 3,010.29 0.00 0.00 315,224.49
B-2 1,141.72 2,006.27 0.00 0.00 210,088.71
B-3 1,472.07 2,586.77 0.00 0.00 270,875.82
-------------------------------------------------------------------------------
537,984.27 2,289,164.86 0.00 0.00 87,521,373.65
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 770.400665 15.781022 4.169576 19.950598 0.000000 754.619643
A-P 801.998211 3.406647 0.000000 3.406647 0.000000 798.591564
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 917.986404 3.762198 4.968342 8.730540 0.000000 914.224206
M-2 917.986410 3.762188 4.968355 8.730543 0.000000 914.224222
M-3 917.986448 3.762193 4.968327 8.730520 0.000000 914.224255
B-1 917.986369 3.762210 4.968329 8.730539 0.000000 914.224159
B-2 917.986336 3.762185 4.968320 8.730505 0.000000 914.224151
B-3 788.642503 3.232097 4.268299 7.500396 0.000000 785.410405
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:53 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS16 (POOL # 4337)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4337
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 18,432.29
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,734.62
SUBSERVICER ADVANCES THIS MONTH 10,562.58
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 10 762,207.69
(B) TWO MONTHLY PAYMENTS: 1 197,227.99
(C) THREE OR MORE MONTHLY PAYMENTS: 1 27,154.96
FORECLOSURES
NUMBER OF LOANS 1
AGGREGATE PRINCIPAL BALANCE 75,142.48
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 87,521,373.65
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,023
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,385,311.37
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.72959360 % 4.37461300 % 0.89579320 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.64614770 % 4.44256690 % 0.90997620 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 878,342.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,124,035.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.56404019
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 147.65
POOL TRADING FACTOR: 76.14270570
................................................................................
Run: 12/22/00 09:52:25 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS17(POOL # 4347)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4347
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FZX4 12,110,000.00 1,439,283.68 6.500000 % 204,566.77
A-2 76110FZY2 100,000,000.00 67,756,007.70 6.500000 % 618,144.95
A-3 76110FZZ9 33,937,000.00 24,365,142.14 6.500000 % 183,500.71
A-4 76110FA29 25,000,000.00 25,000,000.00 6.500000 % 0.00
A-5 76110FA37 14,321,000.00 14,321,000.00 6.500000 % 0.00
A-6 76110FA45 723,000.00 723,000.00 6.500000 % 0.00
A-7 76110FA52 15,000,000.00 15,000,000.00 6.500000 % 0.00
A-8 76110FC76 24,000,000.00 24,000,000.00 6.500000 % 0.00
CB 76110FA60 200,070,000.00 154,094,631.48 6.500000 % 2,223,194.84
NB-1 76110FA78 73,215,000.00 51,683,445.92 6.500000 % 815,953.46
NB-2 76110FA86 2,000,000.00 2,000,000.00 6.500000 % 0.00
NB-3 76110FA94 4,725,000.00 4,725,000.00 6.500000 % 0.00
NB-4 76110FB28 4,735,000.00 4,735,000.00 6.500000 % 0.00
NB-5 76110FB36 2,800,000.00 2,800,000.00 6.500000 % 0.00
NB-6 76110FB44 2,664,000.00 2,664,000.00 6.500000 % 0.00
NB-7 76110FB51 10,000,000.00 10,000,000.00 6.500000 % 0.00
A-P 76110FB69 60,240.84 58,609.79 0.000000 % 72.85
A-V 76110FB77 0.00 0.00 0.942008 % 0.00
R 76110FB85 100.00 0.00 6.500000 % 0.00
M-1 76110FB93 19,207,000.00 18,842,035.10 6.500000 % 16,718.94
M-2 76110FC27 7,062,000.00 6,927,810.25 6.500000 % 6,147.19
M-3 76110FC35 5,932,000.00 5,819,282.18 6.500000 % 5,163.57
B-1 76110FC43 3,389,000.00 3,324,603.36 6.500000 % 2,949.99
B-2 76110FC50 1,694,000.00 1,661,811.20 6.500000 % 1,474.56
B-3 76110FC68 2,259,938.31 2,179,608.21 6.500000 % 1,934.00
-------------------------------------------------------------------------------
564,904,279.15 444,120,271.01 4,079,821.83
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 7,792.70 212,359.47 0.00 0.00 1,234,716.91
A-2 366,850.51 984,995.46 0.00 0.00 67,137,862.75
A-3 131,919.88 315,420.59 0.00 0.00 24,181,641.43
A-4 135,357.19 135,357.19 0.00 0.00 25,000,000.00
A-5 77,538.01 77,538.01 0.00 0.00 14,321,000.00
A-6 3,914.53 3,914.53 0.00 0.00 723,000.00
A-7 81,214.31 81,214.31 0.00 0.00 15,000,000.00
A-8 129,942.90 129,942.90 0.00 0.00 24,000,000.00
CB 834,425.77 3,057,620.61 0.00 0.00 151,871,436.64
NB-1 279,875.26 1,095,828.72 0.00 0.00 50,867,492.46
NB-2 10,830.36 10,830.36 0.00 0.00 2,000,000.00
NB-3 25,586.73 25,586.73 0.00 0.00 4,725,000.00
NB-4 25,640.89 25,640.89 0.00 0.00 4,735,000.00
NB-5 15,162.51 15,162.51 0.00 0.00 2,800,000.00
NB-6 14,426.04 14,426.04 0.00 0.00 2,664,000.00
NB-7 54,151.82 54,151.82 0.00 0.00 10,000,000.00
A-P 0.00 72.85 0.00 0.00 58,536.94
A-V 348,513.36 348,513.36 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 102,019.54 118,738.48 0.00 0.00 18,825,316.16
M-2 37,510.39 43,657.58 0.00 0.00 6,921,663.06
M-3 31,508.30 36,671.87 0.00 0.00 5,814,118.61
B-1 18,000.95 20,950.94 0.00 0.00 3,321,653.37
B-2 8,997.82 10,472.38 0.00 0.00 1,660,336.64
B-3 11,801.41 13,735.41 0.00 0.00 2,177,674.21
-------------------------------------------------------------------------------
2,752,981.18 6,832,803.01 0.00 0.00 440,040,449.18
===============================================================================
Run: 12/22/00 09:52:25
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS17(POOL # 4347)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4347
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 118.850841 16.892384 0.643493 17.535877 0.000000 101.958457
A-2 677.560077 6.181450 3.668505 9.849955 0.000000 671.378628
A-3 717.952151 5.407099 3.887199 9.294298 0.000000 712.545052
A-4 1000.000000 0.000000 5.414288 5.414288 0.000000 1000.000000
A-5 1000.000000 0.000000 5.414287 5.414287 0.000000 1000.000000
A-6 1000.000000 0.000000 5.414287 5.414287 0.000000 1000.000000
A-7 1000.000000 0.000000 5.414287 5.414287 0.000000 1000.000000
A-8 1000.000000 0.000000 5.414287 5.414287 0.000000 1000.000000
CB 770.203586 11.112085 4.170669 15.282754 0.000000 759.091501
NB-1 705.913350 11.144621 3.822649 14.967270 0.000000 694.768729
NB-2 1000.000000 0.000000 5.415180 5.415180 0.000000 1000.000000
NB-3 1000.000000 0.000000 5.415182 5.415182 0.000000 1000.000000
NB-4 1000.000000 0.000000 5.415183 5.415183 0.000000 1000.000000
NB-5 1000.000000 0.000000 5.415183 5.415183 0.000000 1000.000000
NB-6 1000.000000 0.000000 5.415182 5.415182 0.000000 1000.000000
NB-7 1000.000000 0.000000 5.415182 5.415182 0.000000 1000.000000
A-P 972.924514 1.209341 0.000000 1.209341 0.000000 971.715173
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 980.998339 0.870461 5.311581 6.182042 0.000000 980.127878
M-2 980.998336 0.870460 5.311581 6.182041 0.000000 980.127876
M-3 980.998345 0.870460 5.311581 6.182041 0.000000 980.127884
B-1 980.998336 0.870460 5.311582 6.182042 0.000000 980.127876
B-2 980.998347 0.870460 5.311583 6.182043 0.000000 980.127887
B-3 964.454738 0.855780 5.222006 6.077786 0.000000 963.598963
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:25 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS17 (POOL # 4347)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4347
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 92,131.14
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 17,872.63
SUBSERVICER ADVANCES THIS MONTH 76,018.72
MASTER SERVICER ADVANCES THIS MONTH 4,795.01
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 52 6,038,231.54
(B) TWO MONTHLY PAYMENTS: 12 1,804,222.21
(C) THREE OR MORE MONTHLY PAYMENTS: 7 789,071.47
FORECLOSURES
NUMBER OF LOANS 8
AGGREGATE PRINCIPAL BALANCE 1,852,019.01
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 440,040,449.18
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 3,353
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 662,865.38
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,681,278.87
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.26052950 % 7.11274200 % 1.61353200 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.19946500 % 7.17231743 % 1.62726330 %
BANKRUPTCY AMOUNT AVAILABLE 206,283.00
FRAUD AMOUNT AVAILABLE 4,974,611.00
SPECIAL HAZARD AMOUNT AVAILABLE 4,974,611.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.77014200
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 327.46
POOL TRADING FACTOR: 77.89646236
Run: 12/22/00 09:52:25 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS17 (POOL # 4347)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4347
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 39,235.20
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 10,878.05
SUBSERVICER ADVANCES THIS MONTH 30,497.22
MASTER SERVICER ADVANCES THIS MONTH 3,362.56
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 19 2,242,014.38
(B) TWO MONTHLY PAYMENTS: 6 1,176,792.19
(C) THREE OR MORE MONTHLY PAYMENTS: 4 587,170.38
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 188,270.84
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 188,208,814.10
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,422
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 475,448.39
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 850,523.02
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.45164340 % 0.00000000 % 1.61353200 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.41271890 % 0.00000000 % 8.58728110 %
BANKRUPTCY AMOUNT AVAILABLE 206,283.00
FRAUD AMOUNT AVAILABLE 4,974,611.00
SPECIAL HAZARD AMOUNT AVAILABLE 4,974,611.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.75209671
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 327.33
POOL TRADING FACTOR: 77.75596209
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS17 (POOL # 4347)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4347
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 35,069.48
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,971.92
SUBSERVICER ADVANCES THIS MONTH 32,353.69
MASTER SERVICER ADVANCES THIS MONTH 1,432.45
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 31 3,292,475.45
(B) TWO MONTHLY PAYMENTS: 6 627,430.02
(C) THREE OR MORE MONTHLY PAYMENTS: 3 201,901.09
FORECLOSURES
NUMBER OF LOANS 3
AGGREGATE PRINCIPAL BALANCE 323,798.07
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 166,622,861.86
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,666
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 187,416.99
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,087,252.89
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.26468350 % 0.00000000 % 1.61353200 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.15524770 % 0.00000000 % 8.84475230 %
BANKRUPTCY AMOUNT AVAILABLE 206,283.00
FRAUD AMOUNT AVAILABLE 4,974,611.00
SPECIAL HAZARD AMOUNT AVAILABLE 4,974,611.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.90792729
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 326.85
POOL TRADING FACTOR: 77.44629773
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1998-QS17 (POOL # 4347)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4347
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 17,826.46
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,022.66
SUBSERVICER ADVANCES THIS MONTH 13,167.81
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 2 503,741.71
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 3
AGGREGATE PRINCIPAL BALANCE 1,339,950.10
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 85,208,773.22
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 265
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 743,502.96
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.40009520 % 0.00000000 % 1.61353200 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.32503180 % 0.00000000 % 8.67496820 %
BANKRUPTCY AMOUNT AVAILABLE 206,283.00
FRAUD AMOUNT AVAILABLE 4,974,611.00
SPECIAL HAZARD AMOUNT AVAILABLE 4,974,611.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.54056448
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 328.93
POOL TRADING FACTOR: 79.11141663
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1999-QS1(POOL # 4355)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4355
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FC84 49,523,000.00 0.00 6.500000 % 0.00
A-2 76110FC92 25,000,000.00 24,196,027.93 6.500000 % 344,787.34
A-3 76110FD26 25,001,570.00 24,478,356.96 6.500000 % 34,071.23
A-4 76110FD34 2,475,344.00 2,475,344.00 6.500000 % 0.00
A-5 76110FD42 14,025,030.00 14,025,030.00 6.500000 % 0.00
A-6 76110FD59 133,990,656.00 130,069,877.23 6.500000 % 1,681,445.09
A-P 76110FD67 16,409.82 15,658.29 0.000000 % 16.90
A-V 76110FD75 0.00 0.00 1.045568 % 0.00
R 76110FD83 100.00 0.00 6.500000 % 0.00
M-1 76110FD91 9,141,000.00 8,955,538.10 6.500000 % 7,784.17
M-2 76110FE25 3,360,700.00 3,292,514.70 6.500000 % 2,861.86
M-3 76110FE33 2,823,000.00 2,765,724.10 6.500000 % 2,403.97
B-1 76110FE41 1,613,200.00 1,580,469.74 6.500000 % 1,373.75
B-2 76110FE58 806,600.00 790,234.88 6.500000 % 686.87
B-3 76110FE66 1,075,021.18 1,040,026.40 6.500000 % 903.99
-------------------------------------------------------------------------------
268,851,631.00 213,684,802.33 2,076,335.17
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 131,030.03 475,817.37 0.00 0.00 23,851,240.59
A-3 132,558.94 166,630.17 0.00 0.00 24,444,285.73
A-4 13,404.86 13,404.86 0.00 0.00 2,475,344.00
A-5 75,950.48 75,950.48 0.00 0.00 14,025,030.00
A-6 704,374.27 2,385,819.36 0.00 0.00 128,388,432.14
A-P 0.00 16.90 0.00 0.00 15,641.39
A-V 186,139.92 186,139.92 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 48,497.39 56,281.56 0.00 0.00 8,947,753.93
M-2 17,830.12 20,691.98 0.00 0.00 3,289,652.84
M-3 14,977.38 17,381.35 0.00 0.00 2,763,320.13
B-1 8,558.80 9,932.55 0.00 0.00 1,579,095.99
B-2 4,279.40 4,966.27 0.00 0.00 789,548.01
B-3 5,632.11 6,536.10 0.00 0.00 959,591.51
-------------------------------------------------------------------------------
1,343,233.70 3,419,568.87 0.00 0.00 211,528,936.26
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 967.841117 13.791494 5.241201 19.032695 0.000000 954.049624
A-3 979.072793 1.362764 5.302025 6.664789 0.000000 977.710029
A-4 1000.000000 0.000000 5.415352 5.415352 0.000000 1000.000000
A-5 1000.000000 0.000000 5.415352 5.415352 0.000000 1000.000000
A-6 970.738416 12.548973 5.256891 17.805864 0.000000 958.189444
A-P 954.202423 1.029871 0.000000 1.029871 0.000000 953.172552
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 979.710983 0.851567 5.305480 6.157047 0.000000 978.859417
M-2 979.710983 0.851567 5.305478 6.157045 0.000000 978.859416
M-3 979.710981 0.851566 5.305484 6.157050 0.000000 978.859416
B-1 979.710972 0.851568 5.305480 6.157048 0.000000 978.859404
B-2 979.710984 0.851562 5.305480 6.157042 0.000000 978.859422
B-3 967.447358 0.840904 5.239069 6.079973 0.000000 892.625678
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1999-QS1 (POOL # 4355)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4355
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 44,181.91
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,377.33
SUBSERVICER ADVANCES THIS MONTH 39,649.84
MASTER SERVICER ADVANCES THIS MONTH 3,137.73
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 26 3,247,706.33
(B) TWO MONTHLY PAYMENTS: 6 824,275.22
(C) THREE OR MORE MONTHLY PAYMENTS: 4 1,054,865.36
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 430,343.64
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 211,528,936.26
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,592
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 445,490.79
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,778,914.22
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.37708540 % 7.02664700 % 1.59626750 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.33436860 % 7.09157204 % 1.57353490 %
BANKRUPTCY AMOUNT AVAILABLE 150,000.00
FRAUD AMOUNT AVAILABLE 2,364,452.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,364,452.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.87195775
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 328.98
POOL TRADING FACTOR: 78.67868812
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS2(POOL # 4362)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4362
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FG80 18,049,000.00 0.00 6.500000 % 0.00
A-2 76110FE74 95,030,000.00 84,988,778.57 6.500000 % 1,174,430.19
A-3 76110FE82 135,727,000.00 102,010,735.39 6.500000 % 1,409,650.65
A-4 76110FE90 3,798,000.00 3,798,000.00 6.500000 % 0.00
A-5 76110FF24 5,219,000.00 5,219,000.00 6.500000 % 0.00
A-6 76110FF32 1,000,000.00 1,000,000.00 6.000000 % 0.00
A-7 76110FF40 1,000,000.00 1,000,000.00 7.000000 % 0.00
A-8 76110FF57 8,003,000.00 8,003,000.00 6.500000 % 0.00
A-9 76110FF65 32,176,000.00 32,176,000.00 6.500000 % 0.00
A-P 76110FF73 35,672.56 26,081.44 0.000000 % 36.49
A-V 76110FF81 0.00 0.00 1.023922 % 0.00
R 76110FF99 100.00 0.00 6.500000 % 0.00
M-1 76110FG23 10,297,000.00 10,110,357.80 6.500000 % 8,768.69
M-2 76110FG31 3,861,100.00 3,791,114.17 6.500000 % 3,288.02
M-3 76110FG49 3,378,500.00 3,317,261.73 6.500000 % 2,877.05
B-1 76110FG56 1,930,600.00 1,895,606.18 6.500000 % 1,644.05
B-2 76110FG64 965,300.00 947,803.08 6.500000 % 822.03
B-3 76110FG72 1,287,113.52 1,225,269.65 6.500000 % 1,062.67
-------------------------------------------------------------------------------
321,757,386.08 259,509,008.01 2,602,579.84
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 0.00 0.00 0.00 0.00 0.00
A-2 460,093.81 1,634,524.00 0.00 0.00 83,814,348.38
A-3 552,243.59 1,961,894.24 0.00 0.00 100,601,084.74
A-4 20,560.79 20,560.79 0.00 0.00 3,798,000.00
A-5 28,253.49 28,253.49 0.00 0.00 5,219,000.00
A-6 4,997.15 4,997.15 0.00 0.00 1,000,000.00
A-7 5,830.01 5,830.01 0.00 0.00 1,000,000.00
A-8 43,324.90 43,324.90 0.00 0.00 8,003,000.00
A-9 174,187.45 174,187.45 0.00 0.00 32,176,000.00
A-P 0.00 36.49 0.00 0.00 26,044.95
A-V 221,304.77 221,304.77 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 54,733.26 63,501.95 0.00 0.00 10,101,589.11
M-2 20,523.51 23,811.53 0.00 0.00 3,787,826.15
M-3 17,958.27 20,835.32 0.00 0.00 3,314,384.68
B-1 10,262.02 11,906.07 0.00 0.00 1,893,962.13
B-2 5,131.01 5,953.04 0.00 0.00 946,981.05
B-3 6,633.10 7,695.77 0.00 0.00 1,207,384.22
-------------------------------------------------------------------------------
1,626,037.13 4,228,616.97 0.00 0.00 256,889,605.41
===============================================================================
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS2(POOL # 4362)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4362
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 894.336300 12.358520 4.841564 17.200084 0.000000 881.977779
A-3 751.587638 10.385927 4.068782 14.454709 0.000000 741.201712
A-4 1000.000000 0.000000 5.413583 5.413583 0.000000 1000.000000
A-5 1000.000000 0.000000 5.413583 5.413583 0.000000 1000.000000
A-6 1000.000000 0.000000 4.997150 4.997150 0.000000 1000.000000
A-7 1000.000000 0.000000 5.830010 5.830010 0.000000 1000.000000
A-8 1000.000000 0.000000 5.413582 5.413582 0.000000 1000.000000
A-9 1000.000000 0.000000 5.413583 5.413583 0.000000 1000.000000
A-P 731.134519 1.022915 0.000000 1.022915 0.000000 730.111604
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 981.874119 0.851577 5.315457 6.167034 0.000000 981.022542
M-2 981.874121 0.851576 5.315457 6.167033 0.000000 981.022545
M-3 981.874125 0.851576 5.315457 6.167033 0.000000 981.022549
B-1 981.874122 0.851575 5.315456 6.167031 0.000000 981.022547
B-2 981.874112 0.851580 5.315456 6.167036 0.000000 981.022532
B-3 951.951503 0.825623 5.153469 5.979092 0.000000 938.055740
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS2 (POOL # 4362)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4362
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 53,603.33
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 9,240.61
SUBSERVICER ADVANCES THIS MONTH 68,492.84
MASTER SERVICER ADVANCES THIS MONTH 4,662.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 41 6,295,710.93
(B) TWO MONTHLY PAYMENTS: 9 1,025,912.90
(C) THREE OR MORE MONTHLY PAYMENTS: 5 439,866.59
FORECLOSURES
NUMBER OF LOANS 11
AGGREGATE PRINCIPAL BALANCE 1,808,405.92
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 256,889,605.41
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,939
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 4
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 628,248.59
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,370,222.82
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.79621840 % 6.63578700 % 1.56799480 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.72629730 % 6.69696227 % 1.57606140 %
BANKRUPTCY AMOUNT AVAILABLE 102,858.00
FRAUD AMOUNT AVAILABLE 5,652,626.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,826,313.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.85299750
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 330.51
POOL TRADING FACTOR: 79.83953641
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS3(POOL # 4363)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4363
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FJ38 167,033,000.00 129,675,581.16 6.500000 % 2,272,648.59
A-2 76110FJ46 9,013,000.00 9,013,000.00 6.500000 % 0.00
A-3 76110FJ53 25,854,000.00 25,854,000.00 6.500000 % 0.00
A-4 76110FJ61 45,000,000.00 36,584,835.08 6.500000 % 511,938.81
A-5 76110FJ79 60,600,000.00 20,208,281.90 6.500000 % 2,457,241.00
A-6 76110FJ87 100,000,000.00 100,000,000.00 6.500000 % 0.00
A-7 76110FJ95 20,000,000.00 20,000,000.00 6.500000 % 0.00
A-8 76110FK28 47,527,000.00 46,740,451.14 6.500000 % 40,939.65
A-P 76110FK36 12,443.31 10,844.36 0.000000 % 13.40
A-V 76110FK44 0.00 0.00 1.007086 % 0.00
R 76110FK51 100.00 0.00 6.500000 % 0.00
M-1 76110FK69 16,301,800.00 16,032,554.97 6.500000 % 14,042.81
M-2 76110FK77 6,113,300.00 6,012,331.08 6.500000 % 5,266.16
M-3 76110FK85 5,349,000.00 5,260,654.44 6.500000 % 4,607.77
B-1 76110FK93 3,056,500.00 3,006,018.01 6.500000 % 2,632.95
B-2 76110FL27 1,528,300.00 1,503,058.16 6.500000 % 1,316.52
B-3 76110FL35 2,037,744.61 1,966,339.61 6.500000 % 1,722.30
-------------------------------------------------------------------------------
509,426,187.92 421,867,949.91 5,312,369.96
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 702,090.57 2,974,739.16 0.00 0.00 127,402,932.57
A-2 48,798.26 48,798.26 0.00 0.00 9,013,000.00
A-3 139,978.93 139,978.93 0.00 0.00 25,854,000.00
A-4 198,077.91 710,016.72 0.00 0.00 36,072,896.27
A-5 109,411.85 2,566,652.85 0.00 0.00 17,751,040.90
A-6 541,420.81 541,420.81 0.00 0.00 100,000,000.00
A-7 108,284.16 108,284.16 0.00 0.00 20,000,000.00
A-8 253,062.52 294,002.17 0.00 0.00 46,699,511.49
A-P 0.00 13.40 0.00 0.00 10,830.96
A-V 353,887.04 353,887.04 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 86,803.59 100,846.40 0.00 0.00 16,018,512.16
M-2 32,552.01 37,818.17 0.00 0.00 6,007,064.92
M-3 28,482.28 33,090.05 0.00 0.00 5,256,046.67
B-1 16,275.21 18,908.16 0.00 0.00 3,003,385.06
B-2 8,137.87 9,454.39 0.00 0.00 1,501,741.64
B-3 10,646.18 12,368.48 0.00 0.00 1,964,617.31
-------------------------------------------------------------------------------
2,637,909.19 7,950,279.15 0.00 0.00 416,555,579.95
===============================================================================
Run: 12/22/00 09:51:56
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS3(POOL # 4363)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4363
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 776.347076 13.605986 4.203305 17.809291 0.000000 762.741091
A-2 1000.000000 0.000000 5.414208 5.414208 0.000000 1000.000000
A-3 1000.000000 0.000000 5.414208 5.414208 0.000000 1000.000000
A-4 812.996335 11.376418 4.401731 15.778149 0.000000 801.619917
A-5 333.469998 40.548531 1.805476 42.354007 0.000000 292.921467
A-6 1000.000000 0.000000 5.414208 5.414208 0.000000 1000.000000
A-7 1000.000000 0.000000 5.414208 5.414208 0.000000 1000.000000
A-8 983.450484 0.861398 5.324605 6.186003 0.000000 982.589086
A-P 871.501232 1.076884 0.000000 1.076884 0.000000 870.424349
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 983.483724 0.861427 5.324786 6.186213 0.000000 982.622297
M-2 983.483729 0.861427 5.324785 6.186212 0.000000 982.622302
M-3 983.483724 0.861426 5.324786 6.186212 0.000000 982.622298
B-1 983.483726 0.861426 5.324787 6.186213 0.000000 982.622300
B-2 983.483714 0.861428 5.324786 6.186214 0.000000 982.622286
B-3 964.958808 0.845199 5.224492 6.069691 0.000000 964.113611
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:57 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS3 (POOL # 4363)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4363
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 87,337.43
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 13,743.90
SUBSERVICER ADVANCES THIS MONTH 81,705.20
MASTER SERVICER ADVANCES THIS MONTH 436.67
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 65 6,817,526.63
(B) TWO MONTHLY PAYMENTS: 13 1,216,488.21
(C) THREE OR MORE MONTHLY PAYMENTS: 14 1,473,900.77
FORECLOSURES
NUMBER OF LOANS 11
AGGREGATE PRINCIPAL BALANCE 1,796,584.16
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 416,555,579.95
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 3,632
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 59,390.20
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 4,942,854.72
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.99232260 % 6.47269900 % 1.53497850 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.89730090 % 6.54933581 % 1.55319300 %
BANKRUPTCY AMOUNT AVAILABLE 181,971.00
FRAUD AMOUNT AVAILABLE 4,559,310.00
SPECIAL HAZARD AMOUNT AVAILABLE 4,559,310.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.83538215
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 329.59
POOL TRADING FACTOR: 81.76956541
................................................................................
Run: 12/22/00 09:51:57 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS4(POOL # 4364)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4364
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FG98 200,000,000.00 164,402,556.75 6.250000 % 2,055,529.16
A-P 76110FH22 33,549.74 29,790.40 0.000000 % 135.52
A-V 76110FH30 0.00 0.00 0.893938 % 0.00
R 76110FH48 100.00 0.00 6.250000 % 0.00
M-1 76110FH55 5,865,400.00 5,461,338.10 6.250000 % 21,982.15
M-2 76110FH63 942,600.00 877,665.15 6.250000 % 3,532.64
M-3 76110FH71 942,600.00 877,665.15 6.250000 % 3,532.64
B-1 76110FH89 628,400.00 585,110.10 6.250000 % 2,355.10
B-2 76110FH97 523,700.00 487,622.79 6.250000 % 1,962.71
B-3 76110FJ20 523,708.79 487,631.02 6.250000 % 1,962.73
-------------------------------------------------------------------------------
209,460,058.53 173,209,379.46 2,090,992.65
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 855,171.66 2,910,700.82 0.00 0.00 162,347,027.59
A-P 0.00 135.52 0.00 0.00 29,654.88
A-V 128,867.50 128,867.50 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 28,408.21 50,390.36 0.00 0.00 5,439,355.95
M-2 4,565.34 8,097.98 0.00 0.00 874,132.51
M-3 4,565.34 8,097.98 0.00 0.00 874,132.51
B-1 3,043.56 5,398.66 0.00 0.00 582,755.00
B-2 2,536.46 4,499.17 0.00 0.00 485,660.08
B-3 2,536.50 4,499.23 0.00 0.00 485,668.29
-------------------------------------------------------------------------------
1,029,694.57 3,120,687.22 0.00 0.00 171,118,386.81
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 822.012784 10.277646 4.275858 14.553504 0.000000 811.735138
A-P 887.947269 4.039376 0.000000 4.039376 0.000000 883.907893
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 931.110939 3.747767 4.843354 8.591121 0.000000 927.363172
M-2 931.110917 3.747762 4.843348 8.591110 0.000000 927.363155
M-3 931.110917 3.747762 4.843348 8.591110 0.000000 927.363155
B-1 931.110917 3.747772 4.843348 8.591120 0.000000 927.363145
B-2 931.110922 3.747775 4.843345 8.591120 0.000000 927.363147
B-3 931.111009 3.747770 4.843341 8.591111 0.000000 927.363259
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:57 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS4 (POOL # 4364)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4364
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 35,935.91
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,748.87
SUBSERVICER ADVANCES THIS MONTH 31,030.47
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 31 2,143,392.31
(B) TWO MONTHLY PAYMENTS: 6 522,470.67
(C) THREE OR MORE MONTHLY PAYMENTS: 4 332,773.49
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 197,230.20
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 171,118,386.81
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,845
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,393,801.11
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.93183210 % 4.16715900 % 0.90100910 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.89054350 % 4.20037911 % 0.90834930 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 1,872,766.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,872,766.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.47126242
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 151.00
POOL TRADING FACTOR: 81.69499618
................................................................................
Run: 12/22/00 09:52:27 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS5(POOL # 4372)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4372
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB-1 76110FL50 166,515,517.00 140,432,095.03 7.250000 % 1,103,808.68
CB-P 76110FL68 12,334,483.00 10,402,377.62 0.000000 % 81,763.61
NB-1 76110FL76 36,987,960.00 26,853,460.70 6.750000 % 35,298.31
NB-2 76110FL84 3,534,000.00 3,534,000.00 6.750000 % 0.00
NB-3 76110FL92 9,618,710.00 9,618,710.00 6.750000 % 0.00
NB-4 76110FM26 21,500,000.00 9,538,101.72 6.750000 % 41,662.70
NB-5 76110FM34 24,546,330.00 24,546,330.00 6.750000 % 0.00
A-P 76110FM42 248,854.76 203,231.61 0.000000 % 276.52
A-V 76110FM59 0.00 0.00 0.789595 % 0.00
R 76110FM67 100.00 0.00 6.750000 % 0.00
M-1 76110FM75 9,620,300.00 9,475,873.48 6.750000 % 8,115.76
M-2 76110FM83 3,848,100.00 3,790,329.70 6.750000 % 3,246.29
M-3 76110FM91 3,256,100.00 3,207,217.21 6.750000 % 2,746.87
B-1 76110FN25 1,924,100.00 1,895,214.09 6.750000 % 1,623.19
B-2 76110FN33 888,100.00 874,767.26 6.750000 % 749.21
B-3 76110FN41 1,183,701.20 1,166,075.81 6.750000 % 998.68
-------------------------------------------------------------------------------
296,006,355.96 245,537,784.23 1,280,289.82
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB-1 848,248.37 1,952,057.05 0.00 0.00 139,328,286.35
CB-P 0.00 81,763.61 0.00 0.00 10,320,614.01
NB-1 151,033.51 186,331.82 0.00 0.00 26,818,162.39
NB-2 19,876.49 19,876.49 0.00 0.00 3,534,000.00
NB-3 54,099.08 54,099.08 0.00 0.00 9,618,710.00
NB-4 53,645.71 95,308.41 0.00 0.00 9,496,439.02
NB-5 138,057.38 138,057.38 0.00 0.00 24,546,330.00
A-P 0.00 276.52 0.00 0.00 202,955.09
A-V 161,531.93 161,531.93 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 53,290.39 61,406.15 0.00 0.00 9,467,757.72
M-2 21,316.04 24,562.33 0.00 0.00 3,787,083.41
M-3 18,036.74 20,783.61 0.00 0.00 3,204,470.34
B-1 10,658.30 12,281.49 0.00 0.00 1,893,590.90
B-2 4,919.52 5,668.73 0.00 0.00 874,018.05
B-3 6,557.78 7,556.46 0.00 0.00 1,165,077.12
-------------------------------------------------------------------------------
1,541,271.24 2,821,561.06 0.00 0.00 244,257,494.40
===============================================================================
Run: 12/22/00 09:52:27
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS5(POOL # 4372)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4372
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB-1 843.357409 6.628864 5.094110 11.722974 0.000000 836.728546
CB-P 843.357409 6.628864 0.000000 6.628864 0.000000 836.728545
NB-1 726.005454 0.954319 4.083315 5.037634 0.000000 725.051135
NB-2 1000.000000 0.000000 5.624360 5.624360 0.000000 1000.000000
NB-3 1000.000000 0.000000 5.624359 5.624359 0.000000 1000.000000
NB-4 443.632638 1.937800 2.495149 4.432949 0.000000 441.694838
NB-5 1000.000000 0.000000 5.624359 5.624359 0.000000 1000.000000
A-P 816.667561 1.111155 0.000000 1.111155 0.000000 815.556407
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 984.987316 0.843608 5.539369 6.382977 0.000000 984.143709
M-2 984.987318 0.843609 5.539367 6.382976 0.000000 984.143710
M-3 984.987319 0.843607 5.539369 6.382976 0.000000 984.143712
B-1 984.987314 0.843610 5.539369 6.382979 0.000000 984.143704
B-2 984.987344 0.843610 5.539376 6.382986 0.000000 984.143734
B-3 985.109933 0.843693 5.540064 6.383757 0.000000 984.266229
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:27 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS5 (POOL # 4372)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4372
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 50,868.31
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 13,618.41
SUBSERVICER ADVANCES THIS MONTH 54,840.89
MASTER SERVICER ADVANCES THIS MONTH 6,888.62
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 38 5,310,446.21
(B) TWO MONTHLY PAYMENTS: 8 1,127,498.03
(C) THREE OR MORE MONTHLY PAYMENTS: 5 355,865.30
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 705,270.05
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 244,257,494.40
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,822
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 4
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 930,947.52
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,070,285.06
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.68096080 % 6.70911800 % 1.60303520 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.64449160 % 6.73850827 % 1.61139640 %
BANKRUPTCY AMOUNT AVAILABLE 150,000.00
FRAUD AMOUNT AVAILABLE 2,610,952.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,610,952.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.86015400
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 332.51
POOL TRADING FACTOR: 82.51765190
Run: 12/22/00 09:52:27 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS5 (POOL # 4372)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4372
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 34,019.82
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,438.18
SUBSERVICER ADVANCES THIS MONTH 41,794.45
MASTER SERVICER ADVANCES THIS MONTH 3,289.33
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 33 3,485,321.71
(B) TWO MONTHLY PAYMENTS: 8 1,127,498.03
(C) THREE OR MORE MONTHLY PAYMENTS: 5 355,865.30
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 705,270.05
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 162,968,910.09
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,613
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 442,186.51
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,060,408.87
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.91523710 % 6.70911800 % 1.60303520 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.86261130 % 6.73850827 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 150,000.00
FRAUD AMOUNT AVAILABLE 2,610,952.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,610,952.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.95150482
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 333.03
POOL TRADING FACTOR: 84.70064349
Run: 12/22/00 09:52:27 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS5 (POOL # 4372)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4372
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 16,848.49
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 5,180.23
SUBSERVICER ADVANCES THIS MONTH 13,046.44
MASTER SERVICER ADVANCES THIS MONTH 3,599.29
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 5 1,825,124.50
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 81,288,584.31
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 209
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 488,761.01
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 9,876.19
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.20769010 % 6.70911800 % 1.60303520 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.20662250 % 6.73850827 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 150,000.00
FRAUD AMOUNT AVAILABLE 2,610,952.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,610,952.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.67701223
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 331.46
POOL TRADING FACTOR: 78.46342707
................................................................................
Run: 12/22/00 09:52:27 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS6(POOL # 4376)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4376
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB-1 76110FN58 226,382,557.00 192,216,327.29 7.000000 % 1,070,935.38
CB-P 76110FN66 17,414,043.00 14,785,871.47 0.000000 % 82,379.65
NB-1 76110FN74 114,280,000.00 90,184,408.03 6.500000 % 435,616.17
NB-2 76110FN82 3,836,000.00 3,836,000.00 6.500000 % 0.00
NB-3 76110FN90 13,124,100.00 13,124,100.00 6.500000 % 0.00
A-P 76110FP23 47,335.68 44,878.90 0.000000 % 50.74
A-V 76110FP31 0.00 0.00 0.987102 % 0.00
R 76110FP49 100.00 0.00 6.500000 % 0.00
M-1 76110FP56 12,871,500.00 12,667,675.22 6.500000 % 10,749.62
M-2 76110FP64 4,826,800.00 4,750,365.89 6.500000 % 4,031.10
M-3 76110FP72 4,223,400.00 4,156,520.97 6.500000 % 3,527.17
B-1 76110FP80 2,413,400.00 2,375,182.95 6.500000 % 2,015.55
B-2 76110FP98 1,206,800.00 1,187,689.89 6.500000 % 1,007.86
B-3 76110FQ22 1,608,966.42 1,468,425.48 6.500000 % 1,246.06
-------------------------------------------------------------------------------
402,235,002.10 340,797,446.09 1,611,559.30
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB-1 1,120,859.05 2,191,794.43 0.00 0.00 191,145,391.91
CB-P 0.00 82,379.65 0.00 0.00 14,703,491.82
NB-1 488,444.30 924,060.47 0.00 0.00 89,748,791.86
NB-2 20,776.01 20,776.01 0.00 0.00 3,836,000.00
NB-3 71,080.94 71,080.94 0.00 0.00 13,124,100.00
A-P 0.00 50.74 0.00 0.00 44,828.16
A-V 280,257.93 280,257.93 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 68,594.81 79,344.43 0.00 0.00 12,656,925.60
M-2 25,722.99 29,754.09 0.00 0.00 4,746,334.79
M-3 22,507.35 26,034.52 0.00 0.00 4,152,993.80
B-1 12,861.49 14,877.04 0.00 0.00 2,373,167.40
B-2 6,431.28 7,439.14 0.00 0.00 1,186,682.03
B-3 7,951.45 9,197.51 0.00 0.00 1,467,179.41
-------------------------------------------------------------------------------
2,125,487.60 3,737,046.90 0.00 0.00 339,185,886.78
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB-1 849.077464 4.730644 4.951172 9.681816 0.000000 844.346819
CB-P 849.077464 4.730645 0.000000 4.730645 0.000000 844.346819
NB-1 789.153028 3.811832 4.274101 8.085933 0.000000 785.341196
NB-2 1000.000000 0.000000 5.416061 5.416061 0.000000 1000.000000
NB-3 1000.000000 0.000000 5.416062 5.416062 0.000000 1000.000000
A-P 948.098770 1.071993 0.000000 1.071993 0.000000 947.026777
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 984.164644 0.835149 5.329201 6.164350 0.000000 983.329495
M-2 984.164641 0.835150 5.329202 6.164352 0.000000 983.329492
M-3 984.164647 0.835149 5.329202 6.164351 0.000000 983.329498
B-1 984.164643 0.835150 5.329199 6.164349 0.000000 983.329494
B-2 984.164642 0.835151 5.329201 6.164352 0.000000 983.329491
B-3 912.651415 0.774447 4.941961 5.716408 0.000000 911.876964
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:28 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS6 (POOL # 4376)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4376
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 70,753.96
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 18,945.25
SUBSERVICER ADVANCES THIS MONTH 73,510.15
MASTER SERVICER ADVANCES THIS MONTH 3,156.93
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 42 6,813,774.09
(B) TWO MONTHLY PAYMENTS: 6 764,212.19
(C) THREE OR MORE MONTHLY PAYMENTS: 6 969,487.57
FORECLOSURES
NUMBER OF LOANS 14
AGGREGATE PRINCIPAL BALANCE 1,670,985.90
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 339,185,886.78
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,392
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 424,141.03
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,322,350.13
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.19202940 % 6.33061100 % 1.47633100 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.16158520 % 6.35529220 % 1.48228260 %
BANKRUPTCY AMOUNT AVAILABLE 131,996.00
FRAUD AMOUNT AVAILABLE 3,585,896.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,585,896.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.81523200
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 334.37
POOL TRADING FACTOR: 84.32530362
Run: 12/22/00 09:52:28 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS6 (POOL # 4376)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4376
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 46,523.90
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 12,499.67
SUBSERVICER ADVANCES THIS MONTH 36,537.38
MASTER SERVICER ADVANCES THIS MONTH 3,156.93
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 31 3,175,913.07
(B) TWO MONTHLY PAYMENTS: 5 457,542.12
(C) THREE OR MORE MONTHLY PAYMENTS: 5 525,874.71
FORECLOSURES
NUMBER OF LOANS 11
AGGREGATE PRINCIPAL BALANCE 747,142.55
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 223,111,393.85
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,038
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 424,141.03
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 977,535.95
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.30369530 % 6.33061100 % 1.47633100 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.26997240 % 6.35529220 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 131,996.00
FRAUD AMOUNT AVAILABLE 3,585,896.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,585,896.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.89428718
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 333.40
POOL TRADING FACTOR: 85.33810054
Run: 12/22/00 09:52:28 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS6 (POOL # 4376)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4376
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 24,230.06
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 6,445.58
SUBSERVICER ADVANCES THIS MONTH 36,972.77
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 11 3,637,861.02
(B) TWO MONTHLY PAYMENTS: 1 306,670.07
(C) THREE OR MORE MONTHLY PAYMENTS: 1 443,612.86
FORECLOSURES
NUMBER OF LOANS 3
AGGREGATE PRINCIPAL BALANCE 923,843.35
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 116,074,492.93
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 354
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 344,814.18
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.97705530 % 6.33061100 % 1.47633100 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.95321650 % 6.35529220 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 131,996.00
FRAUD AMOUNT AVAILABLE 3,585,896.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,585,896.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.66327646
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 336.24
POOL TRADING FACTOR: 82.44457370
................................................................................
Run: 12/22/00 09:51:59 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS7(POOL # 4380)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4380
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FQ30 260,286,000.00 204,852,244.71 6.750000 % 3,861,004.25
A-2 76110FQ48 15,420,000.00 13,994,650.55 6.750000 % 88,116.45
A-3 76110FQ55 35,050,000.00 35,050,000.00 6.750000 % 0.00
A-4 76110FQ63 14,250,000.00 15,675,349.45 6.750000 % 0.00
A-P 76110FQ89 91,079.98 85,743.13 0.000000 % 103.84
A-V 76110FQ97 0.00 0.00 0.844291 % 0.00
R 76110FQ71 100.00 0.00 6.750000 % 0.00
M-1 76110FR21 12,969,000.00 12,765,243.83 6.750000 % 10,436.37
M-2 76110FR39 4,206,600.00 4,140,510.04 6.750000 % 3,385.12
M-3 76110FR47 3,680,500.00 3,622,675.60 6.750000 % 2,961.76
B-1 76110FR54 2,103,100.00 2,070,058.16 6.750000 % 1,692.40
B-2 76110FR62 1,051,600.00 1,035,078.29 6.750000 % 846.24
B-3 76110FR70 1,402,095.46 1,336,999.45 6.750000 % 1,093.07
-------------------------------------------------------------------------------
350,510,075.44 294,628,553.21 3,969,639.50
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 1,151,543.88 5,012,548.13 0.00 0.00 200,991,240.46
A-2 78,668.67 166,785.12 0.00 0.00 13,906,534.10
A-3 197,027.93 197,027.93 0.00 0.00 35,050,000.00
A-4 0.00 0.00 88,116.45 0.00 15,763,465.90
A-P 0.00 103.84 0.00 0.00 85,639.29
A-V 207,158.64 207,158.64 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 71,757.76 82,194.13 0.00 0.00 12,754,807.46
M-2 23,275.21 26,660.33 0.00 0.00 4,137,124.92
M-3 20,364.29 23,326.05 0.00 0.00 3,619,713.84
B-1 11,636.50 13,328.90 0.00 0.00 2,068,365.76
B-2 5,818.53 6,664.77 0.00 0.00 1,034,232.05
B-3 7,515.72 8,608.79 0.00 0.00 1,335,906.38
-------------------------------------------------------------------------------
1,774,767.13 5,744,406.63 88,116.45 0.00 290,747,030.16
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 787.027519 14.833699 4.424148 19.257847 0.000000 772.193819
A-2 907.564887 5.714426 5.101730 10.816156 0.000000 901.850460
A-3 1000.000000 0.000000 5.621339 5.621339 0.000000 1000.000000
A-4 1100.024523 0.000000 0.000000 0.000000 6.183611 1106.208133
A-P 941.404796 1.140097 0.000000 1.140097 0.000000 940.264699
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 984.288984 0.804717 5.533022 6.337739 0.000000 983.484267
M-2 984.288984 0.804716 5.533022 6.337738 0.000000 983.484268
M-3 984.288982 0.804717 5.533023 6.337740 0.000000 983.484266
B-1 984.288983 0.804717 5.533023 6.337740 0.000000 983.484266
B-2 984.288979 0.804717 5.533026 6.337743 0.000000 983.484262
B-3 953.572341 0.779605 5.360348 6.139953 0.000000 952.792744
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:59 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS7 (POOL # 4380)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4380
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 60,914.02
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,511.15
SUBSERVICER ADVANCES THIS MONTH 59,182.82
MASTER SERVICER ADVANCES THIS MONTH 4,631.54
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 27 3,846,385.19
(B) TWO MONTHLY PAYMENTS: 11 1,435,763.27
(C) THREE OR MORE MONTHLY PAYMENTS: 8 1,133,953.41
FORECLOSURES
NUMBER OF LOANS 8
AGGREGATE PRINCIPAL BALANCE 1,826,900.81
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 290,747,030.16
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,255
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 4
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 638,140.61
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,640,624.15
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.52226280 % 6.96959100 % 1.50814610 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.41607690 % 7.05480851 % 1.52703600 %
BANKRUPTCY AMOUNT AVAILABLE 134,666.00
FRAUD AMOUNT AVAILABLE 3,115,480.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,115,480.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.92088218
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 335.35
POOL TRADING FACTOR: 82.94969261
................................................................................
Run: 12/22/00 09:51:59 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS8(POOL # 4381)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4381
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FR88 100,048,000.00 85,962,036.16 6.500000 % 947,108.10
A-P 76110FR96 122,858.97 114,740.60 0.000000 % 466.73
A-V 76110FS20 0.00 0.00 0.682340 % 0.00
R 76110FS38 100.00 0.00 6.500000 % 0.00
M-1 76110FS46 2,563,600.00 2,417,079.34 6.500000 % 9,224.63
M-2 76110FS53 575,400.00 542,513.44 6.500000 % 2,070.47
M-3 76110FS61 470,800.00 443,891.79 6.500000 % 1,694.08
B-1 76110FS79 313,900.00 295,959.28 6.500000 % 1,129.51
B-2 76110FS87 261,600.00 246,648.44 6.500000 % 941.32
B-3 76110FS95 261,601.59 246,649.95 6.500000 % 941.33
-------------------------------------------------------------------------------
104,617,860.56 90,269,519.00 963,576.17
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 465,350.18 1,412,458.28 0.00 0.00 85,014,928.06
A-P 0.00 466.73 0.00 0.00 114,273.87
A-V 51,298.14 51,298.14 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 13,084.71 22,309.34 0.00 0.00 2,407,854.71
M-2 2,936.86 5,007.33 0.00 0.00 540,442.97
M-3 2,402.98 4,097.06 0.00 0.00 442,197.71
B-1 1,602.15 2,731.66 0.00 0.00 294,829.77
B-2 1,335.21 2,276.53 0.00 0.00 245,707.12
B-3 1,335.22 2,276.55 0.00 0.00 245,708.62
-------------------------------------------------------------------------------
539,345.45 1,502,921.62 0.00 0.00 89,305,942.83
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 859.207942 9.466537 4.651269 14.117806 0.000000 849.741405
A-P 933.921227 3.798909 0.000000 3.798909 0.000000 930.122318
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 942.845740 3.598311 5.104037 8.702348 0.000000 939.247429
M-2 942.845742 3.598314 5.104032 8.702346 0.000000 939.247428
M-3 942.845773 3.598301 5.104036 8.702337 0.000000 939.247472
B-1 942.845747 3.598312 5.104014 8.702326 0.000000 939.247436
B-2 942.845719 3.598318 5.104014 8.702332 0.000000 939.247401
B-3 942.845760 3.598296 5.104021 8.702317 0.000000 939.247426
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:51:59 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS8 (POOL # 4381)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4381
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 18,688.71
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,063.82
SUBSERVICER ADVANCES THIS MONTH 12,011.05
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 13 937,388.24
(B) TWO MONTHLY PAYMENTS: 3 259,378.78
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 89,305,942.83
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 939
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 619,043.34
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 95.34939540 % 3.77515700 % 0.87544740 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 95.31711770 % 3.79649470 % 0.88152350 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 954,907.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,338,340.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.50175796
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 155.52
POOL TRADING FACTOR: 85.36395445
................................................................................
Run: 12/22/00 09:52:00 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS9(POOL # 4389)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4389
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FT29 165,986,000.00 136,033,608.61 7.000000 % 1,639,436.57
A-2 76110FT37 10,215,000.00 9,264,592.98 7.000000 % 62,403.13
A-3 76110FT45 27,081,000.00 27,081,000.00 7.000000 % 0.00
A-4 76110FT52 9,750,000.00 10,700,407.02 7.000000 % 0.00
A-5 76110FT60 37,000,000.00 30,086,007.99 7.000000 % 378,435.60
A-P 76110FT78 469,164.61 445,687.91 0.000000 % 853.21
A-V 76110FT86 0.00 0.00 0.740528 % 0.00
R 76110FT94 100.00 0.00 7.000000 % 0.00
M-1 76110FU27 10,698,000.00 10,554,417.16 7.000000 % 8,505.04
M-2 76110FU35 3,250,000.00 3,206,380.22 7.000000 % 2,583.79
M-3 76110FU43 2,843,700.00 2,805,533.38 7.000000 % 2,260.78
B-1 76110FU50 1,624,500.00 1,602,696.82 7.000000 % 1,291.50
B-2 76110FU68 812,400.00 801,496.38 7.000000 % 645.87
B-3 76110FU76 1,083,312.85 997,768.23 7.000000 % 804.03
-------------------------------------------------------------------------------
270,813,177.46 233,579,596.70 2,097,219.52
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 793,327.06 2,432,763.63 0.00 0.00 134,394,172.04
A-2 54,029.68 116,432.81 0.00 0.00 9,202,189.85
A-3 157,932.22 157,932.22 0.00 0.00 27,081,000.00
A-4 0.00 0.00 62,403.13 0.00 10,762,810.15
A-5 175,456.96 553,892.56 0.00 0.00 29,707,572.39
A-P 0.00 853.21 0.00 0.00 444,834.70
A-V 144,106.86 144,106.86 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 61,551.73 70,056.77 0.00 0.00 10,545,912.12
M-2 18,699.11 21,282.90 0.00 0.00 3,203,796.43
M-3 16,361.44 18,622.22 0.00 0.00 2,803,272.60
B-1 9,346.68 10,638.18 0.00 0.00 1,601,405.32
B-2 4,674.21 5,320.08 0.00 0.00 800,850.51
B-3 5,818.83 6,622.86 0.00 0.00 996,964.20
-------------------------------------------------------------------------------
1,441,304.78 3,538,524.30 62,403.13 0.00 231,544,780.31
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 819.548689 9.876957 4.779482 14.656439 0.000000 809.671732
A-2 906.959665 6.108970 5.289249 11.398219 0.000000 900.850695
A-3 1000.000000 0.000000 5.831846 5.831846 0.000000 1000.000000
A-4 1097.477643 0.000000 0.000000 0.000000 6.400321 1103.877964
A-5 813.135351 10.227989 4.742080 14.970069 0.000000 802.907362
A-P 949.960633 1.818573 0.000000 1.818573 0.000000 948.142060
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 986.578534 0.795012 5.753574 6.548586 0.000000 985.783522
M-2 986.578529 0.795012 5.753572 6.548584 0.000000 985.783517
M-3 986.578535 0.795014 5.753575 6.548589 0.000000 985.783522
B-1 986.578529 0.795014 5.753573 6.548587 0.000000 985.783515
B-2 986.578508 0.795015 5.753582 6.548597 0.000000 985.783493
B-3 921.034242 0.742196 5.371329 6.113525 0.000000 920.292047
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:00 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS9 (POOL # 4389)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4389
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 48,360.28
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 7,784.67
SUBSERVICER ADVANCES THIS MONTH 53,908.70
MASTER SERVICER ADVANCES THIS MONTH 2,148.96
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 37 5,787,891.41
(B) TWO MONTHLY PAYMENTS: 5 1,051,251.91
(C) THREE OR MORE MONTHLY PAYMENTS: 1 90,964.09
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 555,541.08
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 231,544,780.31
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,706
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 274,059.82
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,846,515.21
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.43484000 % 7.10592900 % 1.45923060 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.36641890 % 7.14893297 % 1.47088740 %
BANKRUPTCY AMOUNT AVAILABLE 150,000.00
FRAUD AMOUNT AVAILABLE 2,425,842.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,425,842.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.05119399
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 336.51
POOL TRADING FACTOR: 85.49982039
................................................................................
Run: 12/22/00 09:52:00 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS10(POOL # 4390)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4390
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110FV34 268,170,000.00 222,668,323.65 7.250000 % 3,211,153.50
A-2 76110FV42 24,330,000.00 24,330,000.00 7.250000 % 0.00
A-3 76110FV59 32,602,000.00 32,165,930.76 7.250000 % 47,338.02
A-P 76110FV67 1,164,452.78 1,079,231.24 0.000000 % 28,987.53
A-V 76110FV75 0.00 0.00 0.640530 % 0.00
R 76110FV83 100.00 0.00 7.250000 % 0.00
M-1 76110FV91 13,932,800.00 13,748,334.62 7.250000 % 18,810.94
M-2 76110FW25 4,232,700.00 4,176,660.54 7.250000 % 5,714.65
M-3 76110FW33 3,703,600.00 3,654,565.62 7.250000 % 5,000.30
B-1 76110FU84 2,116,400.00 2,088,379.61 7.250000 % 2,857.39
B-2 76110FU92 1,058,200.00 1,044,189.80 7.250000 % 1,428.70
B-3 76110FV26 1,410,899.63 1,376,977.77 7.250000 % 1,884.03
-------------------------------------------------------------------------------
352,721,152.41 306,332,593.61 3,323,175.06
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 1,344,858.73 4,556,012.23 0.00 0.00 219,457,170.15
A-2 146,946.87 146,946.87 0.00 0.00 24,330,000.00
A-3 194,273.85 241,611.87 0.00 0.00 32,118,592.74
A-P 0.00 28,987.53 0.00 0.00 1,050,243.71
A-V 163,460.63 163,460.63 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 83,036.36 101,847.30 0.00 0.00 13,729,523.68
M-2 25,225.94 30,940.59 0.00 0.00 4,170,945.89
M-3 22,072.63 27,072.93 0.00 0.00 3,649,565.32
B-1 12,613.27 15,470.66 0.00 0.00 2,085,522.22
B-2 6,306.64 7,735.34 0.00 0.00 1,042,761.10
B-3 8,316.59 10,200.62 0.00 0.00 1,342,861.13
-------------------------------------------------------------------------------
2,007,111.51 5,330,286.57 0.00 0.00 302,977,185.94
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 830.325255 11.974320 5.014948 16.989268 0.000000 818.350935
A-2 1000.000000 0.000000 6.039740 6.039740 0.000000 1000.000000
A-3 986.624464 1.451997 5.958955 7.410952 0.000000 985.172466
A-P 926.814087 24.893693 0.000000 24.893693 0.000000 901.920394
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 986.760351 1.350119 5.959775 7.309894 0.000000 985.410232
M-2 986.760352 1.350119 5.959775 7.309894 0.000000 985.410232
M-3 986.760347 1.350119 5.959777 7.309896 0.000000 985.410228
B-1 986.760352 1.350118 5.959776 7.309894 0.000000 985.410234
B-2 986.760348 1.350123 5.959781 7.309904 0.000000 985.410225
B-3 975.957283 1.335339 5.894530 7.229869 0.000000 951.776513
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:00 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS10 (POOL # 4390)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4390
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 64,183.96
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 8,824.93
SUBSERVICER ADVANCES THIS MONTH 63,769.74
MASTER SERVICER ADVANCES THIS MONTH 5,010.51
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 38 5,580,086.88
(B) TWO MONTHLY PAYMENTS: 8 1,200,537.93
(C) THREE OR MORE MONTHLY PAYMENTS: 11 959,176.33
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 853,567.23
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 302,977,185.94
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 2,344
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 676,260.07
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,872,961.80
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 184,655.09
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.45329380 % 7.06939300 % 1.47731290 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.38163060 % 7.11275828 % 1.48086960 %
BANKRUPTCY AMOUNT AVAILABLE 144,124.00
FRAUD AMOUNT AVAILABLE 3,170,918.00
SPECIAL HAZARD AMOUNT AVAILABLE 3,170,918.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.19200083
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 338.16
POOL TRADING FACTOR: 85.89708439
................................................................................
Run: 12/22/00 09:52:29 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS11(POOL # 4394)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4394
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 76110FX73 131,664,000.00 114,879,167.44 7.500000 % 1,646,209.36
NB-1 76110FX81 57,150,000.00 44,431,709.59 7.500000 % 1,912,833.05
NB-2 76110FX99 3,983,000.00 3,983,000.00 7.500000 % 0.00
NB-3 76110FY23 7,400,000.00 7,400,000.00 7.500000 % 0.00
A-P 76110FY31 1,364,847.05 1,281,886.86 0.000000 % 9,233.58
A-V 76110FY49 0.00 0.00 0.597382 % 0.00
R 76110FY56 100.00 0.00 7.500000 % 0.00
M-1 76110FY64 8,041,000.00 7,952,237.85 7.500000 % 5,827.22
M-2 76110FY72 2,608,000.00 2,579,211.07 7.500000 % 1,889.99
M-3 76110FY80 2,282,000.00 2,256,809.70 7.500000 % 1,653.74
B-1 76110FY98 1,304,000.00 1,289,605.54 7.500000 % 944.99
B-2 76110FZ22 652,000.00 644,802.78 7.500000 % 472.50
B-3 76110FZ30 869,417.87 855,901.85 7.500000 % 0.00
-------------------------------------------------------------------------------
217,318,364.92 187,554,332.68 3,579,064.43
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 717,770.29 2,363,979.65 0.00 0.00 113,232,958.08
NB-1 277,665.45 2,190,498.50 0.00 0.00 42,518,876.54
NB-2 24,890.82 24,890.82 0.00 0.00 3,983,000.00
NB-3 46,244.55 46,244.55 0.00 0.00 7,400,000.00
A-P 0.00 9,233.58 0.00 0.00 1,272,653.28
A-V 93,344.75 93,344.75 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 49,688.21 55,515.43 0.00 0.00 7,946,410.63
M-2 16,115.76 18,005.75 0.00 0.00 2,577,321.08
M-3 14,101.29 15,755.03 0.00 0.00 2,255,155.96
B-1 8,057.88 9,002.87 0.00 0.00 1,288,660.55
B-2 4,028.94 4,501.44 0.00 0.00 644,330.28
B-3 5,273.15 5,273.15 0.00 0.00 855,274.66
-------------------------------------------------------------------------------
1,257,181.09 4,836,245.52 0.00 0.00 183,974,641.06
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 872.517677 12.503109 5.451530 17.954639 0.000000 860.014568
NB-1 777.457736 33.470395 4.858538 38.328933 0.000000 743.987341
NB-2 1000.000000 0.000000 6.249264 6.249264 0.000000 1000.000000
NB-3 1000.000000 0.000000 6.249264 6.249264 0.000000 1000.000000
A-P 939.216493 6.765284 0.000000 6.765284 0.000000 932.451209
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 988.961305 0.724688 6.179357 6.904045 0.000000 988.236616
M-2 988.961300 0.724689 6.179356 6.904045 0.000000 988.236610
M-3 988.961306 0.724689 6.179356 6.904045 0.000000 988.236617
B-1 988.961304 0.724686 6.179356 6.904042 0.000000 988.236618
B-2 988.961319 0.724693 6.179356 6.904049 0.000000 988.236626
B-3 984.453943 0.000000 6.065150 6.065150 0.000000 983.732550
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:29 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS11 (POOL # 4394)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4394
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 38,643.72
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,311.07
SUBSERVICER ADVANCES THIS MONTH 57,199.11
MASTER SERVICER ADVANCES THIS MONTH 262.10
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 27 4,186,781.57
(B) TWO MONTHLY PAYMENTS: 7 1,046,077.40
(C) THREE OR MORE MONTHLY PAYMENTS: 4 443,451.19
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 1,722,276.13
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 183,974,641.06
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,402
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 37,262.39
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,442,002.35
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.63667570 % 6.81842900 % 1.48773430 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.47948340 % 6.94600495 % 1.52612760 %
BANKRUPTCY AMOUNT AVAILABLE 174,133.00
FRAUD AMOUNT AVAILABLE 1,894,254.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,894,254.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.36244000
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 338.68
POOL TRADING FACTOR: 84.65673903
Run: 12/22/00 09:52:29 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS11 (POOL # 4394)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4394
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 26,019.66
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,311.07
SUBSERVICER ADVANCES THIS MONTH 29,353.52
MASTER SERVICER ADVANCES THIS MONTH 262.10
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 21 2,263,999.44
(B) TWO MONTHLY PAYMENTS: 6 795,072.29
(C) THREE OR MORE MONTHLY PAYMENTS: 3 181,184.25
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 496,304.83
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 124,088,004.35
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,226
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 37,262.39
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,564,430.76
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.83008550 % 6.81842900 % 1.48773430 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.72672610 % 6.94600495 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 174,133.00
FRAUD AMOUNT AVAILABLE 1,894,254.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,894,254.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.43011961
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 337.79
POOL TRADING FACTOR: 86.94761537
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS11 (POOL # 4394)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4394
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,624.06
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 27,845.59
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 6 1,922,782.13
(B) TWO MONTHLY PAYMENTS: 1 251,005.11
(C) THREE OR MORE MONTHLY PAYMENTS: 1 262,266.94
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 1,225,971.30
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 59,886,636.71
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 176
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,877,571.59
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.24114610 % 6.81842900 % 1.48773430 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.96440960 % 6.94600495 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 174,133.00
FRAUD AMOUNT AVAILABLE 1,894,254.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,894,254.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.22220351
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 340.53
POOL TRADING FACTOR: 80.27425702
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS12(POOL # 4395)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4395
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 76110FW41 74,644,000.00 65,413,228.28 7.000000 % 467,006.91
NB 76110FW58 25,183,000.00 20,346,020.00 7.000000 % 382,194.69
A-P 76110FW66 994,755.29 872,103.91 0.000000 % 3,981.27
A-V 76110FW74 0.00 0.00 0.512228 % 0.00
R 76110FW82 100.00 0.00 7.000000 % 0.00
M-1 76110FW90 3,503,000.00 3,343,636.51 7.000000 % 12,185.33
M-2 76110FX24 531,000.00 506,842.98 7.000000 % 1,847.10
M-3 76110FX32 477,700.00 455,967.78 7.000000 % 1,661.70
B-1 76110FX40 318,400.00 303,914.89 7.000000 % 1,107.57
B-2 76110FX57 212,300.00 202,641.76 7.000000 % 738.49
B-3 76110FX65 265,344.67 253,221.26 7.000000 % 922.82
-------------------------------------------------------------------------------
106,129,599.96 91,697,577.37 871,645.88
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 381,348.48 848,355.39 0.00 0.00 64,946,221.37
NB 118,626.94 500,821.63 0.00 0.00 19,963,825.31
A-P 0.00 3,981.27 0.00 0.00 868,122.64
A-V 39,119.30 39,119.30 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 19,492.53 31,677.86 0.00 0.00 3,331,451.18
M-2 2,954.76 4,801.86 0.00 0.00 504,995.88
M-3 2,658.17 4,319.87 0.00 0.00 454,306.08
B-1 1,771.75 2,879.32 0.00 0.00 302,807.32
B-2 1,181.35 1,919.84 0.00 0.00 201,903.27
B-3 1,476.21 2,399.03 0.00 0.00 252,298.44
-------------------------------------------------------------------------------
568,629.49 1,440,275.37 0.00 0.00 90,825,931.49
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 876.336052 6.256456 5.108897 11.365353 0.000000 870.079596
NB 807.926776 15.176694 4.710596 19.887290 0.000000 792.750082
A-P 876.701958 4.002258 0.000000 4.002258 0.000000 872.699699
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 954.506569 3.478541 5.564525 9.043066 0.000000 951.028027
M-2 954.506554 3.478531 5.564520 9.043051 0.000000 951.028023
M-3 954.506552 3.478543 5.564517 9.043060 0.000000 951.028009
B-1 954.506564 3.478549 5.564541 9.043090 0.000000 951.028015
B-2 954.506642 3.478521 5.564531 9.043052 0.000000 951.028121
B-3 954.310708 3.477816 5.563368 9.041184 0.000000 950.832882
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS12 (POOL # 4395)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4395
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 19,050.62
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 4,232.57
SUBSERVICER ADVANCES THIS MONTH 16,639.70
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 14 1,543,484.88
(B) TWO MONTHLY PAYMENTS: 1 71,695.88
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 105,921.40
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 90,825,931.49
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 928
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 537,385.54
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.42202170 % 4.69635900 % 0.82856920 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.38874490 % 4.72414989 % 0.84151560 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 929,837.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,255,634.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.76235200
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 158.43
POOL TRADING FACTOR: 85.58020715
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS12 (POOL # 4395)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4395
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 14,488.65
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,825.68
SUBSERVICER ADVANCES THIS MONTH 16,639.70
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 14 1,543,484.88
(B) TWO MONTHLY PAYMENTS: 1 71,695.88
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 105,921.40
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 69,195,172.70
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 860
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 231,114.70
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.53837040 % 4.74145300 % 0.83652510 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.52003190 % 4.76973949 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 929,837.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,255,634.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.85061627
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 158.64
POOL TRADING FACTOR: 87.44400386
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS12 (POOL # 4395)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4395
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 4,561.97
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 406.89
SUBSERVICER ADVANCES THIS MONTH 0.00
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 0 0.00
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 21,630,758.79
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 68
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 306,270.84
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.04989140 % 4.74145300 % 0.83652510 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 93.96415650 % 4.76973952 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 929,837.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,255,634.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.48000223
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 157.77
POOL TRADING FACTOR: 80.11759398
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS13(POOL # 4405)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4405
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB-1 76110FZ48 158,406,900.00 136,910,260.36 8.000000 % 2,495,357.94
CB-P 76110FZ55 5,109,900.00 4,416,460.01 0.000000 % 80,495.42
NB 76110FZ63 86,842,100.00 69,909,103.94 7.750000 % 1,338,332.19
A-P 76110FZ71 1,432,398.79 1,266,591.15 0.000000 % 27,889.31
A-V 76110FZ89 0.00 0.00 0.522745 % 0.00
R 76110FZ97 100.00 0.00 7.750000 % 0.00
M-1 76110F2A0 11,328,000.00 11,197,343.93 7.750000 % 8,002.66
M-2 76110F2B8 3,411,900.00 3,372,547.48 7.750000 % 2,410.33
M-3 76110F2C6 2,866,000.00 2,832,943.84 7.750000 % 2,024.68
B-1 76110F2D4 1,637,700.00 1,618,810.92 7.750000 % 1,156.95
B-2 76110F2E2 818,900.00 809,454.88 7.750000 % 578.51
B-3 76110F2F9 1,091,849.28 893,355.96 7.750000 % 638.47
-------------------------------------------------------------------------------
272,945,748.07 233,226,872.47 3,956,886.46
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB-1 912,247.14 3,407,605.08 0.00 0.00 134,414,902.42
CB-P 0.00 80,495.42 0.00 0.00 4,335,964.59
NB 451,394.18 1,789,726.37 0.00 0.00 68,570,771.75
A-P 0.00 27,889.31 0.00 0.00 1,238,701.84
A-V 101,554.67 101,554.67 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 72,282.80 80,285.46 0.00 0.00 11,189,341.27
M-2 21,770.98 24,181.31 0.00 0.00 3,370,137.15
M-3 18,287.65 20,312.33 0.00 0.00 2,830,919.16
B-1 10,449.99 11,606.94 0.00 0.00 1,617,653.97
B-2 5,225.32 5,803.83 0.00 0.00 808,876.37
B-3 5,766.93 6,405.40 0.00 0.00 892,717.47
-------------------------------------------------------------------------------
1,598,979.66 5,555,866.12 0.00 0.00 229,269,985.99
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB-1 864.294803 15.752836 5.758885 21.511721 0.000000 848.541966
CB-P 864.294802 15.752837 0.000000 15.752837 0.000000 848.541966
NB 805.013973 15.411099 5.197873 20.608972 0.000000 789.602874
A-P 884.244778 19.470354 0.000000 19.470354 0.000000 864.774424
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 988.466096 0.706450 6.380897 7.087347 0.000000 987.759646
M-2 988.466098 0.706448 6.380896 7.087344 0.000000 987.759650
M-3 988.466099 0.706448 6.380897 7.087345 0.000000 987.759651
B-1 988.466093 0.706448 6.380894 7.087342 0.000000 987.759645
B-2 988.466089 0.706448 6.380901 7.087349 0.000000 987.759641
B-3 818.204469 0.584760 5.281800 5.866560 0.000000 817.619692
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS13 (POOL # 4405)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4405
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 48,180.93
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,227.63
SUBSERVICER ADVANCES THIS MONTH 58,010.96
MASTER SERVICER ADVANCES THIS MONTH 893.87
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 26 3,317,399.60
(B) TWO MONTHLY PAYMENTS: 6 911,459.15
(C) THREE OR MORE MONTHLY PAYMENTS: 11 1,377,002.97
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 1,307,032.73
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 229,269,985.99
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,845
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 110,196.10
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,790,097.17
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.06551480 % 7.46176200 % 1.42420200 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.91806830 % 7.58511739 % 1.45561070 %
BANKRUPTCY AMOUNT AVAILABLE 181,562.00
FRAUD AMOUNT AVAILABLE 2,370,219.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,370,219.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.55151300
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 338.58
POOL TRADING FACTOR: 83.99837243
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS13 (POOL # 4405)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4405
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 32,115.65
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,034.61
SUBSERVICER ADVANCES THIS MONTH 34,156.07
MASTER SERVICER ADVANCES THIS MONTH 893.87
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 23 2,315,632.73
(B) TWO MONTHLY PAYMENTS: 5 551,002.99
(C) THREE OR MORE MONTHLY PAYMENTS: 10 770,002.97
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 615,967.75
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 153,021,450.69
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,615
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 110,196.10
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,481,066.84
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.17751460 % 7.46176200 % 1.42420200 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.03415310 % 7.58511739 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 181,562.00
FRAUD AMOUNT AVAILABLE 2,370,219.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,370,219.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.63357656
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 338.01
POOL TRADING FACTOR: 85.97072647
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS13 (POOL # 4405)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4405
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 16,065.28
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,193.02
SUBSERVICER ADVANCES THIS MONTH 23,854.89
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 3 1,001,766.87
(B) TWO MONTHLY PAYMENTS: 1 360,456.16
(C) THREE OR MORE MONTHLY PAYMENTS: 1 607,000.00
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 691,064.98
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 76,248,535.30
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 230
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,309,030.33
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.83993130 % 7.46176200 % 1.42420200 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.68407220 % 7.58511739 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 181,562.00
FRAUD AMOUNT AVAILABLE 2,370,219.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,370,219.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.38682137
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 339.73
POOL TRADING FACTOR: 80.30113964
................................................................................
Run: 12/22/00 09:52:02 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS14(POOL # 4410)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4410
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110F2G7 138,880,000.00 115,929,941.92 7.500000 % 3,260,922.23
A-2 76110F2H5 27,776,000.00 23,185,988.39 7.217500 % 652,184.45
A-3 76110F2J1 0.00 0.00 1.782500 % 0.00
A-4 76110F2K8 11,426,000.00 11,426,000.00 7.750000 % 0.00
A-5 76110F2L6 21,743,000.00 21,743,000.00 7.750000 % 0.00
A-P 76110F2M4 865,434.18 806,165.12 0.000000 % 886.45
A-V 76110F2N2 0.00 0.00 0.561012 % 0.00
R-I 76110F2P7 100.00 0.00 7.750000 % 0.00
R-II 76110F2Q5 100.00 0.00 7.750000 % 0.00
M-1 76110F2R3 8,698,000.00 8,625,758.84 7.750000 % 5,943.85
M-2 76110F2S1 2,718,000.00 2,695,425.67 7.750000 % 1,857.37
M-3 76110F2T9 2,391,800.00 2,371,934.92 7.750000 % 1,634.46
B-1 76110F2U6 1,413,400.00 1,401,661.02 7.750000 % 965.86
B-2 76110F2V4 652,300.00 646,882.34 7.750000 % 445.75
B-3 76110F2W2 869,779.03 862,555.07 7.750000 % 594.38
-------------------------------------------------------------------------------
217,433,913.21 189,695,313.29 3,925,434.80
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 724,439.96 3,985,362.19 0.00 0.00 112,669,019.69
A-2 139,430.54 791,614.99 0.00 0.00 22,533,803.94
A-3 34,435.04 34,435.04 0.00 0.00 0.00
A-4 73,780.48 73,780.48 0.00 0.00 11,426,000.00
A-5 140,399.86 140,399.86 0.00 0.00 21,743,000.00
A-P 0.00 886.45 0.00 0.00 805,278.67
A-V 88,669.47 88,669.47 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 55,698.64 61,642.49 0.00 0.00 8,619,814.99
M-2 17,405.02 19,262.39 0.00 0.00 2,693,568.30
M-3 15,316.17 16,950.63 0.00 0.00 2,370,300.46
B-1 9,050.86 10,016.72 0.00 0.00 1,400,695.16
B-2 4,177.08 4,622.83 0.00 0.00 646,436.59
B-3 5,569.73 6,164.11 0.00 0.00 861,960.69
-------------------------------------------------------------------------------
1,308,372.85 5,233,807.65 0.00 0.00 185,769,878.49
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 834.749006 23.480143 5.216302 28.696445 0.000000 811.268863
A-2 834.749006 23.480143 5.019821 28.499964 0.000000 811.268863
A-3 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-4 1000.000000 0.000000 6.457245 6.457245 0.000000 1000.000000
A-5 1000.000000 0.000000 6.457244 6.457244 0.000000 1000.000000
A-P 931.515231 1.024284 0.000000 1.024284 0.000000 930.490947
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 991.694509 0.683358 6.403615 7.086973 0.000000 991.011151
M-2 991.694507 0.683359 6.403613 7.086972 0.000000 991.011148
M-3 991.694506 0.683360 6.403617 7.086977 0.000000 991.011146
B-1 991.694510 0.683359 6.403608 7.086967 0.000000 991.011150
B-2 991.694527 0.683351 6.403618 7.086969 0.000000 991.011176
B-3 991.694488 0.683357 6.403615 7.086972 0.000000 991.011119
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:02 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS14 (POOL # 4410)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4410
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 39,094.83
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 31,189.87
MASTER SERVICER ADVANCES THIS MONTH 7,421.48
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 27 2,531,065.21
(B) TWO MONTHLY PAYMENTS: 7 673,132.02
(C) THREE OR MORE MONTHLY PAYMENTS: 3 205,222.98
FORECLOSURES
NUMBER OF LOANS 5
AGGREGATE PRINCIPAL BALANCE 617,312.82
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 185,769,878.49
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,463
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 5
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 963,097.55
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,794,573.18
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.20954380 % 7.24928900 % 1.54116760 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.02921520 % 7.36593244 % 1.57278340 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 1,849,317.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,849,317.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.59441533
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 341.14
POOL TRADING FACTOR: 85.43739831
................................................................................
Run: 12/22/00 09:52:02 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS15(POOL # 4416)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4416
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110F2X0 112,000,000.00 92,368,286.32 7.000000 % 2,856,091.62
A-2 76110F2Y8 20,028,000.00 20,028,000.00 7.750000 % 0.00
A-3 76110F2Z5 48,000,000.00 39,586,408.42 7.067500 % 1,224,039.26
A-4 76110F3A9 0.00 0.00 2.432500 % 0.00
A-5 76110F3B7 20,253,000.00 20,051,320.05 7.750000 % 13,291.03
A-P 76110F3C5 242,044.80 230,943.20 0.000000 % 251.17
A-V 76110F3D3 0.00 0.00 0.708730 % 0.00
R-I 76110F3E1 100.00 0.00 7.750000 % 0.00
R-II 76110F3F8 100.00 0.00 7.750000 % 0.00
M-1 76110F3G6 8,695,000.00 8,608,414.93 7.750000 % 5,706.09
M-2 76110F3H4 2,825,900.00 2,797,759.62 7.750000 % 1,854.50
M-3 76110F3J0 2,391,000.00 2,367,190.35 7.750000 % 1,569.09
B-1 76110F3K7 1,412,900.00 1,398,830.32 7.750000 % 927.22
B-2 76110F3L5 652,100.00 645,606.36 7.750000 % 427.94
B-3 76110F3M3 869,572.62 860,913.37 7.750000 % 570.66
-------------------------------------------------------------------------------
217,369,717.42 188,943,672.94 4,104,728.58
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 538,616.16 3,394,707.78 0.00 0.00 89,512,194.70
A-2 129,299.77 129,299.77 0.00 0.00 20,028,000.00
A-3 233,061.41 1,457,100.67 0.00 0.00 38,362,369.16
A-4 80,215.34 80,215.34 0.00 0.00 0.00
A-5 129,450.32 142,741.35 0.00 0.00 20,038,029.02
A-P 0.00 251.17 0.00 0.00 230,692.03
A-V 111,550.54 111,550.54 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 55,575.49 61,281.58 0.00 0.00 8,602,708.84
M-2 18,062.19 19,916.69 0.00 0.00 2,795,905.12
M-3 15,282.46 16,851.55 0.00 0.00 2,365,621.26
B-1 9,030.78 9,958.00 0.00 0.00 1,397,903.10
B-2 4,168.00 4,595.94 0.00 0.00 645,178.42
B-3 5,558.02 6,128.68 0.00 0.00 860,342.71
-------------------------------------------------------------------------------
1,329,870.48 5,434,599.06 0.00 0.00 184,838,944.36
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 824.716842 25.500818 4.809073 30.309891 0.000000 799.216024
A-2 1000.000000 0.000000 6.455950 6.455950 0.000000 1000.000000
A-3 824.716842 25.500818 4.855446 30.356264 0.000000 799.216024
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 990.041972 0.656250 6.391661 7.047911 0.000000 989.385722
A-P 954.134111 1.037700 0.000000 1.037700 0.000000 953.096410
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 990.041970 0.656250 6.391661 7.047911 0.000000 989.385721
M-2 990.041976 0.656251 6.391659 7.047910 0.000000 989.385725
M-3 990.041970 0.656248 6.391660 7.047908 0.000000 989.385722
B-1 990.041985 0.656253 6.391663 7.047916 0.000000 989.385732
B-2 990.041957 0.656249 6.391658 7.047907 0.000000 989.385708
B-3 990.041947 0.656253 6.391669 7.047922 0.000000 989.385694
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:02 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 1999-QS15 (POOL # 4416)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4416
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 38,822.14
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 54,204.99
MASTER SERVICER ADVANCES THIS MONTH 2,394.25
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 23 3,495,780.57
(B) TWO MONTHLY PAYMENTS: 10 1,222,943.98
(C) THREE OR MORE MONTHLY PAYMENTS: 9 1,266,556.24
FORECLOSURES
NUMBER OF LOANS 4
AGGREGATE PRINCIPAL BALANCE 972,288.20
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 184,838,944.36
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,347
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 1
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 305,199.66
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,979,445.06
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.16184960 % 7.29858800 % 1.53956230 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.97133570 % 7.44660995 % 1.57274890 %
BANKRUPTCY AMOUNT AVAILABLE 130,054.00
FRAUD AMOUNT AVAILABLE 4,247,394.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,173,697.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.77448398
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 342.19
POOL TRADING FACTOR: 85.03435831
................................................................................
Run: 12/22/00 09:52:11 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS1(POOL # 4420)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4420
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 76110F3N1 130,396,000.00 117,754,410.14 7.750000 % 1,338,211.41
NB-1 76110F3P6 58,661,000.00 45,224,925.82 7.750000 % 826,168.55
NB-2 76110F3Q4 4,186,000.00 4,186,000.00 7.750000 % 0.00
NB-3 76110F3R2 6,983,000.00 6,983,000.00 7.750000 % 0.00
A-P 76110F3S0 496,620.41 478,834.31 0.000000 % 952.33
A-V 76110F3T8 0.00 0.00 0.632251 % 0.00
R 76110F3U5 100.00 0.00 7.750000 % 0.00
M-1 76110F3V3 9,273,000.00 9,211,072.95 7.750000 % 6,168.94
M-2 76110F3W1 3,273,000.00 3,251,142.21 7.750000 % 2,177.39
M-3 76110F3X9 2,073,000.00 2,059,156.08 7.750000 % 1,379.08
B-1 76110F3Y7 1,309,100.00 1,300,357.55 7.750000 % 870.89
B-2 76110F3Z4 654,500.00 650,129.11 7.750000 % 435.41
B-3 76110F4A8 872,717.76 866,890.47 7.750000 % 580.58
-------------------------------------------------------------------------------
218,178,038.17 191,965,918.64 2,176,944.58
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 760,295.81 2,098,507.22 0.00 0.00 116,416,198.73
NB-1 292,058.06 1,118,226.61 0.00 0.00 44,398,757.27
NB-2 27,032.77 27,032.77 0.00 0.00 4,186,000.00
NB-3 45,095.52 45,095.52 0.00 0.00 6,983,000.00
A-P 0.00 952.33 0.00 0.00 477,881.98
A-V 101,121.88 101,121.88 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 59,475.49 65,644.43 0.00 0.00 9,204,904.01
M-2 20,992.48 23,169.87 0.00 0.00 3,248,964.82
M-3 13,295.88 14,674.96 0.00 0.00 2,057,777.00
B-1 8,396.35 9,267.24 0.00 0.00 1,299,486.66
B-2 4,197.85 4,633.26 0.00 0.00 649,693.70
B-3 5,597.48 6,178.06 0.00 0.00 866,309.89
-------------------------------------------------------------------------------
1,337,559.57 3,514,504.15 0.00 0.00 189,788,974.06
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 903.052319 10.262672 5.830668 16.093340 0.000000 892.789646
NB-1 770.953885 14.083779 4.978743 19.062522 0.000000 756.870106
NB-2 1000.000000 0.000000 6.457900 6.457900 0.000000 1000.000000
NB-3 1000.000000 0.000000 6.457901 6.457901 0.000000 1000.000000
A-P 964.185725 1.917613 0.000000 1.917613 0.000000 962.268112
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 993.321789 0.665258 6.413835 7.079093 0.000000 992.656531
M-2 993.321787 0.665258 6.413834 7.079092 0.000000 992.656529
M-3 993.321795 0.665258 6.413835 7.079093 0.000000 992.656536
B-1 993.321786 0.665259 6.413834 7.079093 0.000000 992.656527
B-2 993.321788 0.665256 6.413827 7.079083 0.000000 992.656532
B-3 993.322824 0.665255 6.413849 7.079104 0.000000 992.657564
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:11 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS1 (POOL # 4420)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4420
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 39,922.14
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 5,727.42
SUBSERVICER ADVANCES THIS MONTH 54,303.30
MASTER SERVICER ADVANCES THIS MONTH 5,158.43
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 36 4,294,720.01
(B) TWO MONTHLY PAYMENTS: 4 420,176.85
(C) THREE OR MORE MONTHLY PAYMENTS: 4 1,012,991.76
FORECLOSURES
NUMBER OF LOANS 10
AGGREGATE PRINCIPAL BALANCE 1,215,487.59
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 189,788,974.06
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,433
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 632,650.52
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,048,347.03
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.94521260 % 7.56455700 % 1.46764440 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.84726840 % 7.64620068 % 1.48722940 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 4,363,561.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,181,780.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.68694500
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 342.87
POOL TRADING FACTOR: 86.98812018
Run: 12/22/00 09:52:11 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS1 (POOL # 4420)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4420
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 26,853.71
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 4,599.83
SUBSERVICER ADVANCES THIS MONTH 44,389.09
MASTER SERVICER ADVANCES THIS MONTH 5,158.43
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 34 3,743,440.75
(B) TWO MONTHLY PAYMENTS: 4 420,176.85
(C) THREE OR MORE MONTHLY PAYMENTS: 2 280,360.62
FORECLOSURES
NUMBER OF LOANS 10
AGGREGATE PRINCIPAL BALANCE 1,215,487.59
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 127,860,496.83
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,252
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 3
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 632,650.52
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,260,393.92
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.26010630 % 7.56455700 % 1.46764440 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.17386500 % 7.64620068 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 4,363,561.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,181,780.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.78946320
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 341.85
POOL TRADING FACTOR: 90.08623691
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS1 (POOL # 4420)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4420
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 13,068.43
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,127.59
SUBSERVICER ADVANCES THIS MONTH 9,914.21
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 2 551,279.26
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 2 732,631.14
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 61,928,477.23
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 181
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 787,953.11
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.29464880 % 7.56455700 % 1.46764440 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.17056780 % 7.64620068 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 4,363,561.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,181,780.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.47528084
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 344.99
POOL TRADING FACTOR: 81.22106637
................................................................................
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Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS2(POOL # 4425)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4425
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110F4B6 15,000,000.00 10,241,250.69 7.750000 % 666,873.77
A-2 76110F4C4 83,021,000.00 65,724,215.36 7.750000 % 2,423,908.31
A-3 76110F4D2 25,652,000.00 25,652,000.00 7.750000 % 0.00
A-4 76110F4E0 17,862,000.00 17,862,000.00 7.750000 % 0.00
A-5 76110F4F7 17,150,000.00 17,150,000.00 7.750000 % 0.00
A-6 76110F4G5 20,000,000.00 20,000,000.00 7.750000 % 0.00
A-7 76110F4H3 21,888,000.00 21,888,000.00 7.750000 % 0.00
A-P 76110F4J9 250,505.68 246,290.27 0.000000 % 266.65
R-I 76110F4K6 100.00 0.00 7.750000 % 0.00
R-II 76110F4L4 100.00 0.00 7.750000 % 0.00
M-1 76110F4M2 9,850,100.00 9,796,690.25 7.750000 % 6,233.52
M-2 76110F4N0 2,845,500.00 2,830,070.97 7.750000 % 1,800.74
M-3 76110F4P5 2,407,700.00 2,394,644.84 7.750000 % 1,523.69
IO-A 0.00 0.00 0.753380 % 0.00
IO-B 0.00 0.00 0.753380 % 0.00
B-1 76110F4Q3 1,422,700.00 1,414,985.76 7.750000 % 900.34
B-2 76110F4R1 656,700.00 653,139.20 7.750000 % 415.59
B-3 76110F4S9 875,528.01 870,780.66 7.750000 % 554.05
-------------------------------------------------------------------------------
218,881,933.69 196,724,068.00 3,102,476.66
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 66,087.03 732,960.80 0.00 0.00 9,574,376.92
A-2 424,119.88 2,848,028.19 0.00 0.00 63,300,307.05
A-3 165,532.95 165,532.95 0.00 0.00 25,652,000.00
A-4 115,263.90 115,263.90 0.00 0.00 17,862,000.00
A-5 110,669.35 110,669.35 0.00 0.00 17,150,000.00
A-6 129,060.47 129,060.47 0.00 0.00 20,000,000.00
A-7 141,243.77 141,243.77 0.00 0.00 21,888,000.00
A-P 0.00 266.65 0.00 0.00 246,023.62
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 63,218.27 69,451.79 0.00 0.00 9,790,456.73
M-2 18,262.51 20,063.25 0.00 0.00 2,828,270.23
M-3 15,452.69 16,976.38 0.00 0.00 2,393,121.15
IO-A 123,159.60 123,159.60 0.00 0.00 0.00
IO-B 91.00 91.00 0.00 0.00 0.00
B-1 9,130.94 10,031.28 0.00 0.00 1,414,085.42
B-2 4,214.72 4,630.31 0.00 0.00 652,723.61
B-3 5,619.17 6,173.22 0.00 0.00 870,226.61
-------------------------------------------------------------------------------
1,391,126.25 4,493,602.91 0.00 0.00 193,621,591.34
===============================================================================
Run: 12/22/00 09:52:04
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS2(POOL # 4425)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4425
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 682.750046 44.458251 4.405802 48.864053 0.000000 638.291795
A-2 791.657717 29.196328 5.108586 34.304914 0.000000 762.461390
A-3 1000.000000 0.000000 6.453023 6.453023 0.000000 1000.000000
A-4 1000.000000 0.000000 6.453023 6.453023 0.000000 1000.000000
A-5 1000.000000 0.000000 6.453023 6.453023 0.000000 1000.000000
A-6 1000.000000 0.000000 6.453024 6.453024 0.000000 1000.000000
A-7 1000.000000 0.000000 6.453023 6.453023 0.000000 1000.000000
A-P 983.172398 1.064447 0.000000 1.064447 0.000000 982.107951
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 994.577745 0.632838 6.418033 7.050871 0.000000 993.944907
M-2 994.577744 0.632838 6.418032 7.050870 0.000000 993.944906
M-3 994.577746 0.632840 6.418030 7.050870 0.000000 993.944906
IO-A 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
IO-B 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
B-1 994.577747 0.632839 6.418036 7.050875 0.000000 993.944908
B-2 994.577737 0.632846 6.418030 7.050876 0.000000 993.944891
B-3 994.577729 0.632841 6.418036 7.050877 0.000000 993.944911
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS2 (POOL # 4425)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4425
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 40,694.23
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 41,421.88
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 26 3,239,433.33
(B) TWO MONTHLY PAYMENTS: 1 299,624.43
(C) THREE OR MORE MONTHLY PAYMENTS: 6 519,956.68
FORECLOSURES
NUMBER OF LOANS 9
AGGREGATE PRINCIPAL BALANCE 1,052,439.15
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 193,621,591.34
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,397
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,977,239.06
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.85885850 % 7.64534600 % 1.49579540 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.71812230 % 7.75318910 % 1.51882460 %
BANKRUPTCY AMOUNT AVAILABLE 157,492.00
FRAUD AMOUNT AVAILABLE 4,377,639.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,188,819.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.81284447
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 344.94
POOL TRADING FACTOR: 88.45937537
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS3(POOL # 4432)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4432
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110F5F6 115,869,000.00 85,948,907.05 7.750000 % 2,009,956.32
A-2 76110F5G4 40,867,000.00 40,867,000.00 7.750000 % 0.00
A-3 76110F5J8 21,838,000.00 21,838,000.00 7.750000 % 0.00
A-4 76110F5K5 21,838,000.00 21,838,000.00 7.750000 % 0.00
A-P 76110F5L3 499,056.21 490,262.67 0.000000 % 553.44
R-I 76110F5M1 100.00 0.00 7.750000 % 0.00
R-II 76110F5N9 100.00 0.00 7.750000 % 0.00
M-1 76110F5P4 9,281,800.00 9,234,940.42 7.750000 % 5,843.07
M-2 76110F5Q2 2,839,000.00 2,824,667.17 7.750000 % 1,787.21
M-3 76110F5R0 2,402,200.00 2,390,072.39 7.750000 % 1,512.23
IO-A 0.00 0.00 0.858203 % 0.00
IO-B 0.00 0.00 0.858203 % 0.00
B-1 76110F5S8 1,419,500.00 1,412,333.59 7.750000 % 893.60
B-2 76110F5T6 655,100.00 651,792.70 7.750000 % 412.40
B-3 76110F5U3 873,616.21 869,205.72 7.750000 % 549.96
-------------------------------------------------------------------------------
218,382,472.42 188,365,181.71 2,021,508.23
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 555,003.08 2,564,959.40 0.00 0.00 83,938,950.73
A-2 263,892.95 263,892.95 0.00 0.00 40,867,000.00
A-3 141,015.84 141,015.84 0.00 0.00 21,838,000.00
A-4 141,015.84 141,015.84 0.00 0.00 21,838,000.00
A-P 0.00 553.44 0.00 0.00 489,709.23
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 59,633.34 65,476.41 0.00 0.00 9,229,097.35
M-2 18,239.89 20,027.10 0.00 0.00 2,822,879.96
M-3 15,433.55 16,945.78 0.00 0.00 2,388,560.16
IO-A 134,342.11 134,342.11 0.00 0.00 0.00
IO-B 0.00 0.00 0.00 0.00 0.00
B-1 9,119.95 10,013.55 0.00 0.00 1,411,439.99
B-2 4,208.86 4,621.26 0.00 0.00 651,380.30
B-3 5,612.77 6,162.73 0.00 0.00 868,655.76
-------------------------------------------------------------------------------
1,347,518.18 3,369,026.41 0.00 0.00 186,343,673.48
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 741.776550 17.346800 4.789919 22.136719 0.000000 724.429750
A-2 1000.000000 0.000000 6.457360 6.457360 0.000000 1000.000000
A-3 1000.000000 0.000000 6.457361 6.457361 0.000000 1000.000000
A-4 1000.000000 0.000000 6.457361 6.457361 0.000000 1000.000000
A-P 982.379660 1.108973 0.000000 1.108973 0.000000 981.270687
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 994.951456 0.629519 6.424760 7.054279 0.000000 994.321937
M-2 994.951451 0.629521 6.424759 7.054280 0.000000 994.321930
M-3 994.951457 0.629519 6.424756 7.054275 0.000000 994.321938
IO-A 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
IO-B 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
B-1 994.951455 0.629517 6.424762 7.054279 0.000000 994.321937
B-2 994.951458 0.629522 6.424760 7.054282 0.000000 994.321936
B-3 994.951456 0.629521 6.424755 7.054276 0.000000 994.321935
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS3 (POOL # 4432)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4432
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 39,054.49
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 6,061.88
SUBSERVICER ADVANCES THIS MONTH 66,323.23
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 34 4,998,239.93
(B) TWO MONTHLY PAYMENTS: 12 1,714,881.30
(C) THREE OR MORE MONTHLY PAYMENTS: 5 397,099.43
FORECLOSURES
NUMBER OF LOANS 7
AGGREGATE PRINCIPAL BALANCE 1,065,023.52
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 186,343,673.48
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,400
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,902,185.76
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 90.74756120 % 7.69111700 % 1.56132180 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 90.65286900 % 7.74941118 % 1.57730080 %
BANKRUPTCY AMOUNT AVAILABLE 150,000.00
FRAUD AMOUNT AVAILABLE 4,367,649.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,183,825.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.91266231
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 345.63
POOL TRADING FACTOR: 85.32904286
................................................................................
Run: 12/22/00 09:52:11 REPT1B.FRG
Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS4(POOL # 4433)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4433
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 76110F4T7 80,517,000.00 74,274,989.72 7.500000 % 1,035,241.35
NB 76110F4U4 21,235,000.00 17,542,500.37 7.500000 % 91,321.15
A-P 76110F4V2 933,718.95 878,591.90 0.000000 % 3,908.84
R-I 76110F4WO 100.00 0.00 7.500000 % 0.00
R-II 76110F4X8 100.00 0.00 7.500000 % 0.00
M-1 76110F4Y6 3,459,000.00 3,372,773.18 7.500000 % 11,227.38
M-2 76110F4Z3 649,000.00 632,821.58 7.500000 % 2,106.55
M-3 76110F5D1 487,000.00 474,859.95 7.500000 % 1,580.73
IO-A 0.00 0.00 0.538733 % 0.00
IO-B 0.00 0.00 0.538733 % 0.00
B-1 76110F5A7 324,300.00 316,215.77 7.500000 % 1,052.63
B-2 76110F5B5 216,200.00 210,810.52 7.500000 % 701.75
B-3 76110F5C3 270,246.88 263,507.11 7.500000 % 877.17
-------------------------------------------------------------------------------
108,091,665.83 97,967,070.10 1,148,017.55
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 463,497.25 1,498,738.60 0.00 0.00 73,239,748.37
NB 109,484.52 200,805.67 0.00 0.00 17,451,179.22
A-P 0.00 3,908.84 0.00 0.00 874,683.06
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 21,045.20 32,272.58 0.00 0.00 3,361,545.80
M-2 3,948.63 6,055.18 0.00 0.00 630,715.03
M-3 2,962.99 4,543.72 0.00 0.00 473,279.22
IO-A 40,173.76 40,173.76 0.00 0.00 0.00
IO-B 3,346.91 3,346.91 0.00 0.00 0.00
B-1 1,973.10 3,025.73 0.00 0.00 315,163.14
B-2 1,315.41 2,017.16 0.00 0.00 210,108.77
B-3 1,644.21 2,521.38 0.00 0.00 262,629.93
-------------------------------------------------------------------------------
649,391.98 1,797,409.53 0.00 0.00 96,819,052.54
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 922.475871 12.857426 5.756514 18.613940 0.000000 909.618445
NB 826.112567 4.300502 5.155852 9.456354 0.000000 821.812066
A-P 940.959697 4.186317 0.000000 4.186317 0.000000 936.773380
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 975.071749 3.245846 6.084186 9.330032 0.000000 971.825903
M-2 975.071772 3.245840 6.084176 9.330016 0.000000 971.825932
M-3 975.071766 3.245852 6.084168 9.330020 0.000000 971.825914
IO-A 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
IO-B 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
B-1 975.071755 3.245853 6.084181 9.330034 0.000000 971.825902
B-2 975.071785 3.245837 6.084228 9.330065 0.000000 971.825948
B-3 975.060693 3.245810 6.084104 9.329914 0.000000 971.814857
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:11 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS4 (POOL # 4433)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4433
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 20,327.56
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 4,696.12
SUBSERVICER ADVANCES THIS MONTH 15,718.88
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 11 1,270,754.06
(B) TWO MONTHLY PAYMENTS: 2 180,552.21
(C) THREE OR MORE MONTHLY PAYMENTS: 2 88,537.62
FORECLOSURES
NUMBER OF LOANS 1
AGGREGATE PRINCIPAL BALANCE 57,846.23
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 96,819,052.54
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 972
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 822,035.75
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.57094370 % 4.57342900 % 0.80693790 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.52449170 % 4.61225341 % 0.82120700 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,161,833.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,968,867.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.28711200
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 163.46
POOL TRADING FACTOR: 89.57124659
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS4 (POOL # 4433)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4433
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 16,360.58
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,587.41
SUBSERVICER ADVANCES THIS MONTH 11,111.19
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 10 788,003.74
(B) TWO MONTHLY PAYMENTS: 2 180,552.21
(C) THREE OR MORE MONTHLY PAYMENTS: 2 88,537.62
FORECLOSURES
NUMBER OF LOANS 1
AGGREGATE PRINCIPAL BALANCE 57,846.23
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 77,846,299.65
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 915
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 793,564.04
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.69616850 % 4.61481600 % 0.81424020 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.64179050 % 4.65430132 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,161,833.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,968,867.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.38658187
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 163.71
POOL TRADING FACTOR: 91.29289218
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS4 (POOL # 4433)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4433
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 3,966.98
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 1,108.71
SUBSERVICER ADVANCES THIS MONTH 4,607.69
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 1 482,750.32
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 18,972,752.89
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 57
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 28,471.71
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 94.04439920 % 4.61481600 % 0.81424020 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 94.03537030 % 4.65430133 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,161,833.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,968,867.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 7.87898139
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 162.42
POOL TRADING FACTOR: 83.13822289
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS5(POOL # 4438)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4438
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110F5V1 92,675,000.00 88,649,484.89 7.750000 % 807,899.42
A-2 76110F5W9 74,478,000.00 58,961,103.36 7.750000 % 3,789,876.92
A-3 76110F5X7 10,750,000.00 10,750,000.00 7.750000 % 0.00
A-4 76110F5Y5 21,700,000.00 21,700,000.00 7.750000 % 0.00
A-5 76110F5Z2 1,075,000.00 0.00 7.750000 % 0.00
A-P 76110F6A6 145,114.60 142,836.20 0.000000 % 144.68
A-V 76110F6B4 0.00 0.00 0.982791 % 0.00
R 76110F6C2 100.00 0.00 7.750000 % 0.00
M-1 76110F6D0 8,141,800.00 8,109,303.14 7.750000 % 4,823.56
M-2 76110F6E8 2,822,400.00 2,811,134.79 7.750000 % 1,672.11
M-3 76110F6F5 2,388,200.00 2,378,667.82 7.750000 % 1,414.88
B-1 76110F6G3 1,411,200.00 1,405,567.38 7.750000 % 836.06
B-2 76110F6H1 651,400.00 648,800.02 7.750000 % 385.92
B-3 76110F6J7 868,514.12 865,047.58 7.750000 % 514.54
-------------------------------------------------------------------------------
217,106,728.72 196,421,945.18 4,607,568.09
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 572,208.34 1,380,107.76 0.00 0.00 87,841,585.47
A-2 380,577.90 4,170,454.82 0.00 0.00 55,171,226.44
A-3 69,388.33 69,388.33 0.00 0.00 10,750,000.00
A-4 140,067.60 140,067.60 0.00 0.00 21,700,000.00
A-5 0.00 0.00 0.00 0.00 0.00
A-P 0.00 144.68 0.00 0.00 142,691.52
A-V 160,778.26 160,778.26 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 52,343.35 57,166.91 0.00 0.00 8,104,479.58
M-2 18,145.12 19,817.23 0.00 0.00 2,809,462.68
M-3 15,353.65 16,768.53 0.00 0.00 2,377,252.94
B-1 9,072.55 9,908.61 0.00 0.00 1,404,731.32
B-2 4,187.83 4,573.75 0.00 0.00 648,414.10
B-3 5,583.65 6,098.19 0.00 0.00 864,533.04
-------------------------------------------------------------------------------
1,427,706.58 6,035,274.67 0.00 0.00 191,814,377.09
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 956.563096 8.717555 6.174355 14.891910 0.000000 947.845541
A-2 791.657984 50.885858 5.109937 55.995795 0.000000 740.772127
A-3 1000.000000 0.000000 6.454728 6.454728 0.000000 1000.000000
A-4 1000.000000 0.000000 6.454728 6.454728 0.000000 1000.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-P 984.299306 0.997005 0.000000 0.997005 0.000000 983.302300
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 996.008639 0.592444 6.428965 7.021409 0.000000 995.416195
M-2 996.008642 0.592443 6.428968 7.021411 0.000000 995.416199
M-3 996.008634 0.592446 6.428963 7.021409 0.000000 995.416188
B-1 996.008631 0.592446 6.428961 7.021407 0.000000 995.416185
B-2 996.008628 0.592447 6.428968 7.021415 0.000000 995.416181
B-3 996.008654 0.592437 6.428969 7.021406 0.000000 995.416217
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS5 (POOL # 4438)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4438
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 40,392.81
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 60,749.88
MASTER SERVICER ADVANCES THIS MONTH 4,920.01
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 41 4,630,985.10
(B) TWO MONTHLY PAYMENTS: 3 792,163.97
(C) THREE OR MORE MONTHLY PAYMENTS: 7 904,466.13
FORECLOSURES
NUMBER OF LOANS 9
AGGREGATE PRINCIPAL BALANCE 1,057,227.15
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 191,814,377.09
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,383
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 2
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 622,570.88
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 4,490,698.72
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.73701120 % 6.77560900 % 1.48737940 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.54341780 % 6.92919655 % 1.52222720 %
BANKRUPTCY AMOUNT AVAILABLE 150,000.00
FRAUD AMOUNT AVAILABLE 4,342,135.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,171,067.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.05453291
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 346.82
POOL TRADING FACTOR: 88.35026819
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS6(POOL # 4440)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4440
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110F6K4 92,574,000.00 89,305,898.86 7.750000 % 751,634.28
A-2 76110F6L2 75,000,000.00 56,725,843.66 7.750000 % 2,323,549.61
A-3 76110F6M0 10,750,000.00 10,750,000.00 7.750000 % 0.00
A-4 76110F6N8 21,500,000.00 21,500,000.00 7.750000 % 0.00
A-5 76110F6P3 1,075,000.00 0.00 7.750000 % 0.00
A-P 76110F6Q1 75,687.86 72,859.53 0.000000 % 83.96
A-V 76110F6R9 0.00 0.00 1.009467 % 0.00
R 76110F6S7 100.00 0.00 7.750000 % 0.00
M-1 76110F6T5 8,714,800.00 8,685,965.33 7.750000 % 5,001.07
M-2 76110F6U2 2,723,300.00 2,714,289.42 7.750000 % 1,562.79
M-3 76110F6V0 2,505,400.00 2,497,110.39 7.750000 % 1,437.75
B-1 76110F6W8 1,416,100.00 1,411,414.55 7.750000 % 812.64
B-2 76110F6X6 653,600.00 651,437.43 7.750000 % 375.07
B-3 76110F6Y4 871,524.04 868,640.42 7.750000 % 500.14
-------------------------------------------------------------------------------
217,859,511.90 195,183,459.59 3,084,957.31
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 576,691.12 1,328,325.40 0.00 0.00 88,554,264.58
A-2 366,306.05 2,689,855.66 0.00 0.00 54,402,294.05
A-3 69,417.92 69,417.92 0.00 0.00 10,750,000.00
A-4 138,835.84 138,835.84 0.00 0.00 21,500,000.00
A-5 0.00 0.00 0.00 0.00 0.00
A-P 0.00 83.96 0.00 0.00 72,775.57
A-V 164,171.11 164,171.11 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 56,089.46 61,090.53 0.00 0.00 8,680,964.26
M-2 17,527.48 19,090.27 0.00 0.00 2,712,726.63
M-3 16,125.04 17,562.79 0.00 0.00 2,495,672.64
B-1 9,114.19 9,926.83 0.00 0.00 1,410,601.91
B-2 4,206.64 4,581.71 0.00 0.00 651,062.36
B-3 5,609.23 6,109.37 0.00 0.00 868,140.28
-------------------------------------------------------------------------------
1,424,094.08 4,509,051.39 0.00 0.00 192,098,502.28
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 964.697419 8.119281 6.229515 14.348796 0.000000 956.578138
A-2 756.344582 30.980661 4.884081 35.864742 0.000000 725.363921
A-3 1000.000000 0.000000 6.457481 6.457481 0.000000 1000.000000
A-4 1000.000000 0.000000 6.457481 6.457481 0.000000 1000.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-P 962.631656 1.109293 0.000000 1.109293 0.000000 961.522363
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 996.691299 0.573859 6.436116 7.009975 0.000000 996.117439
M-2 996.691301 0.573859 6.436118 7.009977 0.000000 996.117442
M-3 996.691303 0.573860 6.436114 7.009974 0.000000 996.117442
B-1 996.691300 0.573858 6.436120 7.009978 0.000000 996.117442
B-2 996.691294 0.573853 6.436108 7.009961 0.000000 996.117442
B-3 996.691290 0.573845 6.436116 7.009961 0.000000 996.117422
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS6 (POOL # 4440)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4440
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 40,309.37
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 710.24
SUBSERVICER ADVANCES THIS MONTH 45,332.85
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 28 3,377,805.56
(B) TWO MONTHLY PAYMENTS: 5 1,027,926.99
(C) THREE OR MORE MONTHLY PAYMENTS: 4 219,198.63
FORECLOSURES
NUMBER OF LOANS 6
AGGREGATE PRINCIPAL BALANCE 1,030,960.80
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 192,098,502.28
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,375
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,972,560.13
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 91.37470870 % 7.12281400 % 1.50247730 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 91.24119020 % 7.23033411 % 1.52573540 %
BANKRUPTCY AMOUNT AVAILABLE 125,000.00
FRAUD AMOUNT AVAILABLE 4,357,190.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,178,595.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.08526212
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 349.45
POOL TRADING FACTOR: 88.17540286
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS7(POOL # 4444)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4444
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110GAA9 75,000,000.00 64,533,112.91 8.000000 % 3,043,848.13
A-2 76110GAB7 91,363,000.00 83,672,516.68 8.000000 % 2,201,323.43
A-3 76110GAC5 12,000,000.00 12,405,134.64 8.000000 % 0.00
A-4 76110GAD3 8,245,652.00 8,245,652.00 8.000000 % 0.00
A-5 76110GAE1 4,771,000.00 4,771,000.00 8.000000 % 0.00
A-6 76110GAF8 2,164,000.00 2,164,000.00 8.000000 % 0.00
A-7 76110GAG6 4,572,000.00 4,572,000.00 8.000000 % 0.00
A-8 76110GAH4 2,407,000.00 2,407,000.00 8.000000 % 0.00
A-9 76110GAJ0 2,390,348.00 2,390,348.00 8.000000 % 0.00
A-10 76110GAK7 24,550,000.00 24,550,000.00 8.000000 % 0.00
A-P 76110GAL5 208,784.27 207,857.50 0.000000 % 186.89
A-V 76110GAM3 0.00 0.00 0.773470 % 0.00
R 76110GAN1 100.00 0.00 8.000000 % 0.00
M-1 76110GAP6 8,468,700.00 8,445,020.12 8.000000 % 4,801.72
M-2 76110GAQ4 3,068,400.00 3,059,820.25 8.000000 % 1,739.77
M-3 76110GAR2 2,822,900.00 2,815,006.70 8.000000 % 1,600.57
B-1 76110GAS0 1,595,600.00 1,591,138.44 8.000000 % 904.70
B-2 76110GAT8 736,500.00 734,440.63 8.000000 % 417.59
B-3 76110GAU5 1,104,669.96 1,101,581.13 8.000000 % 626.36
-------------------------------------------------------------------------------
245,468,654.23 227,665,629.00 5,255,449.16
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 430,165.03 3,474,013.16 0.00 0.00 61,489,264.78
A-2 557,744.54 2,759,067.97 0.00 0.00 81,471,193.25
A-3 0.00 0.00 82,690.19 0.00 12,487,824.83
A-4 54,963.89 54,963.89 0.00 0.00 8,245,652.00
A-5 31,802.55 31,802.55 0.00 0.00 4,771,000.00
A-6 14,424.80 14,424.80 0.00 0.00 2,164,000.00
A-7 30,476.05 30,476.05 0.00 0.00 4,572,000.00
A-8 16,044.59 16,044.59 0.00 0.00 2,407,000.00
A-9 15,933.59 15,933.59 0.00 0.00 2,390,348.00
A-10 163,645.47 163,645.47 0.00 0.00 24,550,000.00
A-P 0.00 186.89 0.00 0.00 207,670.61
A-V 146,724.76 146,724.76 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 56,292.84 61,094.56 0.00 0.00 8,440,218.40
M-2 20,396.16 22,135.93 0.00 0.00 3,058,080.48
M-3 18,764.28 20,364.85 0.00 0.00 2,813,406.13
B-1 10,606.22 11,510.92 0.00 0.00 1,590,233.74
B-2 4,895.64 5,313.23 0.00 0.00 734,023.04
B-3 7,342.92 7,969.28 0.00 0.00 1,100,954.77
-------------------------------------------------------------------------------
1,580,223.33 6,835,672.49 82,690.19 0.00 222,492,870.03
===============================================================================
Run: 12/22/00 09:52:06
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS7(POOL # 4444)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4444
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 860.441505 40.584642 5.735534 46.320176 0.000000 819.856864
A-2 915.824969 24.094255 6.104709 30.198964 0.000000 891.730714
A-3 1033.761220 0.000000 0.000000 0.000000 6.890849 1040.652069
A-4 1000.000000 0.000000 6.665803 6.665803 0.000000 1000.000000
A-5 1000.000000 0.000000 6.665804 6.665804 0.000000 1000.000000
A-6 1000.000000 0.000000 6.665804 6.665804 0.000000 1000.000000
A-7 1000.000000 0.000000 6.665803 6.665803 0.000000 1000.000000
A-8 1000.000000 0.000000 6.665804 6.665804 0.000000 1000.000000
A-9 1000.000000 0.000000 6.665803 6.665803 0.000000 1000.000000
A-10 1000.000000 0.000000 6.665803 6.665803 0.000000 1000.000000
A-P 995.561112 0.895134 0.000000 0.895134 0.000000 994.665978
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 997.203835 0.566996 6.647164 7.214160 0.000000 996.636839
M-2 997.203836 0.566996 6.647165 7.214161 0.000000 996.636840
M-3 997.203833 0.566995 6.647164 7.214159 0.000000 996.636838
B-1 997.203836 0.566997 6.647167 7.214164 0.000000 996.636839
B-2 997.203842 0.566993 6.647169 7.214162 0.000000 996.636850
B-3 997.203844 0.566993 6.647162 7.214155 0.000000 996.636833
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:06 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS7 (POOL # 4444)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4444
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 47,288.23
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 43,069.79
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 23 3,347,096.22
(B) TWO MONTHLY PAYMENTS: 5 1,440,755.46
(C) THREE OR MORE MONTHLY PAYMENTS: 5 553,463.23
FORECLOSURES
NUMBER OF LOANS 1
AGGREGATE PRINCIPAL BALANCE 49,377.55
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 222,492,870.03
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,543
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 5,043,256.59
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.19766940 % 6.29560700 % 1.50672370 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.02064890 % 6.43243310 % 1.54090850 %
BANKRUPTCY AMOUNT AVAILABLE 130,000.00
FRAUD AMOUNT AVAILABLE 4,909,373.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,454,867.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.09240440
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 350.26
POOL TRADING FACTOR: 90.64003334
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS8(POOL # 4449)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4449
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110GAV3 126,200,000.00 115,561,268.56 8.000000 % 5,650,349.55
A-2 76110GAW1 32,800,000.00 30,034,941.43 8.000000 % 1,468,553.61
A-3 76110GAX9 21,638,000.00 21,638,000.00 8.000000 % 0.00
A-4 76110GAY7 20,000,000.00 20,000,000.00 8.000000 % 0.00
A-P 76110GAZ4 225,655.38 211,310.65 0.000000 % 183.47
A-V 76110GBA8 0.00 0.00 0.968288 % 0.00
R 76110GBB6 100.00 0.00 8.000000 % 0.00
M-1 76110GBC4 7,471,800.00 7,455,851.88 8.000000 % 4,038.97
M-2 76110GBD2 2,707,100.00 2,701,321.85 8.000000 % 1,463.35
M-3 76110GBE0 2,490,500.00 2,485,184.17 8.000000 % 1,346.27
B-1 76110GBF7 1,407,600.00 1,404,595.56 8.000000 % 760.89
B-2 76110GBG5 649,700.00 648,313.25 8.000000 % 351.20
B-3 76110GBH3 974,632.96 972,552.67 8.000000 % 526.86
-------------------------------------------------------------------------------
216,565,088.34 203,113,340.02 7,127,574.17
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 765,960.00 6,416,309.55 0.00 0.00 109,910,919.01
A-2 199,076.76 1,667,630.37 0.00 0.00 28,566,387.82
A-3 143,420.39 143,420.39 0.00 0.00 21,638,000.00
A-4 132,563.44 132,563.44 0.00 0.00 20,000,000.00
A-P 0.00 183.47 0.00 0.00 211,127.18
A-V 162,947.14 162,947.14 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 49,418.67 53,457.64 0.00 0.00 7,451,812.91
M-2 17,904.82 19,368.17 0.00 0.00 2,699,858.50
M-3 16,472.22 17,818.49 0.00 0.00 2,483,837.90
B-1 9,309.90 10,070.79 0.00 0.00 1,403,834.67
B-2 4,297.13 4,648.33 0.00 0.00 647,962.05
B-3 6,446.24 6,973.10 0.00 0.00 972,025.81
-------------------------------------------------------------------------------
1,507,816.71 8,635,390.88 0.00 0.00 195,985,765.85
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 915.699434 44.772976 6.069414 50.842390 0.000000 870.926458
A-2 915.699434 44.772976 6.069413 50.842389 0.000000 870.926458
A-3 1000.000000 0.000000 6.628172 6.628172 0.000000 1000.000000
A-4 1000.000000 0.000000 6.628172 6.628172 0.000000 1000.000000
A-P 936.430809 0.813054 0.000000 0.813054 0.000000 935.617755
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 997.865558 0.540562 6.614025 7.154587 0.000000 997.324997
M-2 997.865557 0.540560 6.614022 7.154582 0.000000 997.324997
M-3 997.865557 0.540562 6.614021 7.154583 0.000000 997.324995
B-1 997.865558 0.540558 6.614024 7.154582 0.000000 997.325000
B-2 997.865553 0.540557 6.614022 7.154579 0.000000 997.324996
B-3 997.865566 0.540562 6.614018 7.154580 0.000000 997.324993
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:07 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS8 (POOL # 4449)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4449
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 41,668.54
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 53,190.97
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 31 4,475,194.39
(B) TWO MONTHLY PAYMENTS: 6 914,109.47
(C) THREE OR MORE MONTHLY PAYMENTS: 4 608,292.63
FORECLOSURES
NUMBER OF LOANS 2
AGGREGATE PRINCIPAL BALANCE 297,152.48
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 195,985,765.85
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,307
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 7,017,477.33
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.27813570 % 6.23077000 % 1.49109470 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.00134810 % 6.44715664 % 1.54454250 %
BANKRUPTCY AMOUNT AVAILABLE 300,000.00
FRAUD AMOUNT AVAILABLE 4,331,302.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,165,651.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.27753556
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 351.16
POOL TRADING FACTOR: 90.49739612
................................................................................
Run: 12/22/00 09:52:07 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS9(POOL # 4452)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4452
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110GBJ9 92,256,000.00 90,733,264.54 7.750000 % 626,697.91
HJ 76110GBK6 0.00 0.00 0.250000 % 0.00
A-2 76110GBL4 75,000,000.00 67,487,053.88 8.000000 % 4,420,595.87
A-3 76110GBM2 1,903,000.00 1,903,000.00 8.000000 % 0.00
A-4 76110GBN0 21,500,000.00 21,500,000.00 8.000000 % 0.00
A-5 76110GBP5 1,075,000.00 0.00 8.000000 % 0.00
A-6 76110GBQ3 750,000.00 750,000.00 8.000000 % 0.00
A-7 76110GBR1 2,500,000.00 2,500,000.00 8.000000 % 0.00
A-8 76110GBS9 5,597,000.00 5,597,000.00 8.000000 % 0.00
A-9 76110GBT7 45,320,000.00 42,799,603.87 8.000000 % 1,258,167.21
A-10 76110GBU4 4,680,000.00 4,680,000.00 8.000000 % 0.00
A-P 76110GBV2 221,969.92 221,333.78 0.000000 % 1,486.71
A-V 76110GBW0 0.00 0.00 0.941326 % 0.00
R-I 76110GBX8 100.00 0.00 8.000000 % 0.00
R-II 76110GBY6 100.00 0.00 8.000000 % 0.00
M-1 76110GBZ3 9,329,300.00 9,314,605.03 8.000000 % 4,964.87
M-2 76110GCA7 3,380,200.00 3,374,875.70 8.000000 % 1,798.88
M-3 76110GCB5 3,109,700.00 3,104,801.79 8.000000 % 1,654.92
B-1 76110GCC3 1,757,600.00 1,754,831.53 8.000000 % 935.36
B-2 76110GCD1 811,200.00 809,922.25 8.000000 % 431.70
B-3 76110GCE9 1,216,935.14 1,215,018.30 8.000000 % 647.63
-------------------------------------------------------------------------------
270,408,105.06 257,745,310.67 6,317,381.06
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 585,870.13 1,212,568.04 0.00 0.00 90,106,566.63
HJ 18,899.03 18,899.03 0.00 0.00 0.00
A-2 449,824.98 4,870,420.85 0.00 0.00 63,066,458.01
A-3 12,684.17 12,684.17 0.00 0.00 1,903,000.00
A-4 143,305.07 143,305.07 0.00 0.00 21,500,000.00
A-5 0.00 0.00 0.00 0.00 0.00
A-6 4,999.01 4,999.01 0.00 0.00 750,000.00
A-7 16,663.38 16,663.38 0.00 0.00 2,500,000.00
A-8 37,305.97 37,305.97 0.00 0.00 5,597,000.00
A-9 285,274.43 1,543,441.64 0.00 0.00 41,541,436.66
A-10 31,193.85 31,193.85 0.00 0.00 4,680,000.00
A-P 0.00 1,486.71 0.00 0.00 219,847.07
A-V 202,145.52 202,145.52 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 62,085.13 67,050.00 0.00 0.00 9,309,640.16
M-2 22,494.73 24,293.61 0.00 0.00 3,373,076.82
M-3 20,694.60 22,349.52 0.00 0.00 3,103,146.87
B-1 11,696.57 12,631.93 0.00 0.00 1,753,896.17
B-2 5,398.42 5,830.12 0.00 0.00 809,490.55
B-3 8,098.52 8,746.15 0.00 0.00 1,214,370.67
-------------------------------------------------------------------------------
1,918,633.51 8,236,014.57 0.00 0.00 251,427,929.61
===============================================================================
Run: 12/22/00 09:52:07
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS9(POOL # 4452)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4452
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 983.494456 6.793031 6.350483 13.143514 0.000000 976.701425
HJ 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 899.827385 58.941278 5.997666 64.938944 0.000000 840.886107
A-3 1000.000000 0.000000 6.665355 6.665355 0.000000 1000.000000
A-4 1000.000000 0.000000 6.665352 6.665352 0.000000 1000.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 1000.000000 0.000000 6.665347 6.665347 0.000000 1000.000000
A-7 1000.000000 0.000000 6.665352 6.665352 0.000000 1000.000000
A-8 1000.000000 0.000000 6.665351 6.665351 0.000000 1000.000000
A-9 944.386670 27.761854 6.294670 34.056524 0.000000 916.624816
A-10 1000.000000 0.000000 6.665353 6.665353 0.000000 1000.000000
A-P 997.134116 6.697799 0.000000 6.697799 0.000000 990.436317
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 998.424858 0.532180 6.654854 7.187034 0.000000 997.892678
M-2 998.424857 0.532182 6.654852 7.187034 0.000000 997.892675
M-3 998.424861 0.532180 6.654854 7.187034 0.000000 997.892681
B-1 998.424858 0.532180 6.654853 7.187033 0.000000 997.892678
B-2 998.424864 0.532175 6.654857 7.187032 0.000000 997.892690
B-3 998.424863 0.532181 6.654849 7.187030 0.000000 997.892681
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:07 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS9 (POOL # 4452)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4452
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 54,126.52
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 56,607.07
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 35 4,697,732.78
(B) TWO MONTHLY PAYMENTS: 7 965,292.88
(C) THREE OR MORE MONTHLY PAYMENTS: 5 792,087.07
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 251,427,929.61
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,670
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 6,179,919.60
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.39913310 % 6.13313100 % 1.46773600 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.21218480 % 6.27848460 % 1.50383590 %
BANKRUPTCY AMOUNT AVAILABLE 160,000.00
FRAUD AMOUNT AVAILABLE 5,408,162.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,704,081.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.26569557
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 353.22
POOL TRADING FACTOR: 92.98091474
................................................................................
Run: 12/22/00 09:52:08 REPT1B.FRG
Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS10(POOL # 4455)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4455
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110GCF6 75,000,000.00 74,228,795.60 8.000000 % 458,338.55
A-1A 76110GCG4 17,454,000.00 17,274,525.31 7.500000 % 106,664.55
A-1B 76110GCH2 0.00 0.00 0.500000 % 0.00
A-2 76110GCJ8 75,000,000.00 68,362,971.97 8.000000 % 4,776,095.06
A-3 76110GCK5 10,749,000.00 10,749,000.00 8.000000 % 0.00
A-4 76110GCL3 21,500,000.00 21,500,000.00 8.000000 % 0.00
A-5 76110GCM1 1,075,000.00 0.00 8.000000 % 0.00
A-6 76110GCN9 31,250,000.00 30,340,824.32 7.250000 % 451,281.87
A-6A 76110GCP4 0.00 0.00 0.750000 % 0.00
A-7 76110GCQ2 33,000,000.00 31,423,439.64 8.000000 % 1,543,874.12
A-8 76110GCR0 10,000,000.00 10,000,000.00 8.000000 % 0.00
A-9 76110GCS8 750,000.00 0.00 8.000000 % 0.00
A-P 76110GCT6 51,480.72 51,406.88 0.000000 % 37.89
A-V 76110GCU3 0.00 0.00 0.833136 % 0.00
R-I 76110GCV1 100.00 0.00 8.000000 % 0.00
R-II 76110GCW9 100.00 0.00 8.000000 % 0.00
M-1 76110GCX7 10,260,400.00 10,249,412.79 8.000000 % 5,506.05
M-2 76110GCY5 3,717,400.00 3,713,419.28 8.000000 % 1,994.87
M-3 76110GCZ2 3,420,000.00 3,416,337.74 8.000000 % 1,835.28
B-1 76110GDA6 1,933,000.00 1,930,930.07 8.000000 % 1,037.31
B-2 76110GDB4 892,200.00 891,244.60 8.000000 % 478.78
B-3 76110GDC2 1,338,301.06 1,336,867.97 8.000000 % 718.19
-------------------------------------------------------------------------------
297,390,981.78 285,469,176.17 7,347,862.52
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 494,092.84 952,431.39 0.00 0.00 73,770,457.05
A-1A 107,798.70 214,463.25 0.00 0.00 17,167,860.76
A-1B 7,186.58 7,186.58 0.00 0.00 0.00
A-2 455,047.87 5,231,142.93 0.00 0.00 63,586,876.91
A-3 71,549.11 71,549.11 0.00 0.00 10,749,000.00
A-4 143,111.52 143,111.52 0.00 0.00 21,500,000.00
A-5 0.00 0.00 0.00 0.00 0.00
A-6 183,025.48 634,307.35 0.00 0.00 29,889,542.45
A-6A 18,933.67 18,933.67 0.00 0.00 0.00
A-7 209,165.41 1,753,039.53 0.00 0.00 29,879,565.52
A-8 66,563.50 66,563.50 0.00 0.00 10,000,000.00
A-9 0.00 0.00 0.00 0.00 0.00
A-P 0.00 37.89 0.00 0.00 51,368.99
A-V 197,888.91 197,888.91 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 68,223.68 73,729.73 0.00 0.00 10,243,906.74
M-2 24,717.82 26,712.69 0.00 0.00 3,711,424.41
M-3 22,740.33 24,575.61 0.00 0.00 3,414,502.46
B-1 12,852.95 13,890.26 0.00 0.00 1,929,892.76
B-2 5,932.44 6,411.22 0.00 0.00 890,765.82
B-3 8,898.66 9,616.85 0.00 0.00 1,336,149.78
-------------------------------------------------------------------------------
2,097,729.47 9,445,591.99 0.00 0.00 278,121,313.65
===============================================================================
Run: 12/22/00 09:52:08
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS10(POOL # 4455)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4455
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 989.717275 6.111181 6.587905 12.699086 0.000000 983.606094
A-1A 989.717275 6.111181 6.176160 12.287341 0.000000 983.606094
A-1B 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-2 911.506293 63.681267 6.067305 69.748572 0.000000 847.825026
A-3 1000.000000 0.000000 6.656350 6.656350 0.000000 1000.000000
A-4 1000.000000 0.000000 6.656350 6.656350 0.000000 1000.000000
A-5 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-6 970.906378 14.441020 5.856815 20.297835 0.000000 956.465358
A-6A 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-7 952.225444 46.784064 6.338346 53.122410 0.000000 905.441379
A-8 1000.000000 0.000000 6.656350 6.656350 0.000000 1000.000000
A-9 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-P 998.565677 0.736004 0.000000 0.736004 0.000000 997.829673
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 998.929164 0.536631 6.649222 7.185853 0.000000 998.392533
M-2 998.929166 0.536630 6.649223 7.185853 0.000000 998.392535
M-3 998.929164 0.536632 6.649219 7.185851 0.000000 998.392532
B-1 998.929162 0.536632 6.649224 7.185856 0.000000 998.392530
B-2 998.929164 0.536629 6.649227 7.185856 0.000000 998.392535
B-3 998.929172 0.536628 6.649221 7.185849 0.000000 998.392529
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:08 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS10 (POOL # 4455)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4455
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 58,969.21
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 0.00
SUBSERVICER ADVANCES THIS MONTH 91,713.30
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 47 8,850,204.61
(B) TWO MONTHLY PAYMENTS: 10 1,528,146.69
(C) THREE OR MORE MONTHLY PAYMENTS: 1 552,198.21
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 278,121,313.65
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,780
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 7,194,497.47
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.45379410 % 6.08902900 % 1.45717720 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.25855140 % 6.24541621 % 1.49487870 %
BANKRUPTCY AMOUNT AVAILABLE 150,000.00
FRAUD AMOUNT AVAILABLE 5,947,820.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,973,910.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.15876034
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 354.29
POOL TRADING FACTOR: 93.52042620
................................................................................
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Page: 1 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS11(POOL # 4456)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4456
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 76110GDD0 59,841,000.00 58,866,532.91 7.500000 % 560,124.00
NB 76110GDE8 41,062,000.00 40,290,244.55 7.500000 % 196,010.59
A-P 76110GDF5 541,504.63 537,097.07 0.000000 % 2,383.42
A-V 76110GDG3 0.00 0.00 0.806552 % 0.00
R 76110GDH1 100.00 0.00 7.500000 % 0.00
M-1 76110GDJ7 2,922,500.00 2,905,240.14 7.500000 % 8,840.62
M-2 76110GDK4 531,100.00 527,963.40 7.500000 % 1,606.59
M-3 76110GDL2 531,100.00 527,963.40 7.500000 % 1,606.59
B-1 76110GDM0 318,700.00 316,817.80 7.500000 % 964.07
B-2 76110GDN8 212,500.00 211,245.01 7.500000 % 642.82
B-3 76110GDP3 265,594.91 264,026.35 7.500000 % 803.43
-------------------------------------------------------------------------------
106,226,099.54 104,447,130.63 772,982.13
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 367,675.62 927,799.62 0.00 0.00 58,306,408.91
NB 251,415.82 447,426.41 0.00 0.00 40,094,233.96
A-P 0.00 2,383.42 0.00 0.00 534,713.65
A-V 70,129.33 70,129.33 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00 0.00
M-1 18,136.89 26,977.51 0.00 0.00 2,896,399.52
M-2 3,295.98 4,902.57 0.00 0.00 526,356.81
M-3 3,295.98 4,902.57 0.00 0.00 526,356.81
B-1 1,977.84 2,941.91 0.00 0.00 315,853.73
B-2 1,318.76 1,961.58 0.00 0.00 210,602.19
B-3 1,648.26 2,451.69 0.00 0.00 263,222.92
-------------------------------------------------------------------------------
718,894.48 1,491,876.61 0.00 0.00 103,674,148.50
===============================================================================
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 983.715729 9.360205 6.144209 15.504414 0.000000 974.355524
NB 981.205118 4.773528 6.122834 10.896362 0.000000 976.431590
A-P 991.860531 4.401482 0.000000 4.401482 0.000000 987.459049
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 994.094145 3.025020 6.205950 9.230970 0.000000 991.069126
M-2 994.094144 3.025024 6.205950 9.230974 0.000000 991.069121
M-3 994.094144 3.025024 6.205950 9.230974 0.000000 991.069121
B-1 994.094132 3.025008 6.205962 9.230970 0.000000 991.069125
B-2 994.094165 3.025035 6.205929 9.230964 0.000000 991.069129
B-3 994.094164 3.025020 6.205917 9.230937 0.000000 991.069154
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:14 rept2.frg
Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS11 (POOL # 4456)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4456
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 21,725.18
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 6,224.42
SUBSERVICER ADVANCES THIS MONTH 10,325.90
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 12 1,056,403.99
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 103,674,148.50
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 855
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 454,794.83
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 95.42560430 % 3.79250900 % 0.75836370 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 95.40545090 % 3.80915898 % 0.76564200 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,124,522.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,932,190.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.59232600
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 169.61
POOL TRADING FACTOR: 97.59762332
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS11 (POOL # 4456)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4456
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 12,870.81
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 3,322.83
SUBSERVICER ADVANCES THIS MONTH 7,440.95
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 11 751,268.87
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 61,306,568.09
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 738
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 384,637.55
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 95.43920220 % 3.81211200 % 0.76228360 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 95.41050170 % 3.82890710 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,124,522.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,932,190.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.82794188
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 169.57
POOL TRADING FACTOR: 97.51548975
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Page: 2 of 2
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS11 (POOL # 4456)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4456
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 8,854.37
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 2,901.59
SUBSERVICER ADVANCES THIS MONTH 2,884.95
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 1 305,135.12
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 42,367,580.41
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 117
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 70,157.28
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 95.40574400 % 3.81211200 % 0.76228360 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 95.39810680 % 3.82890709 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 100,000.00
FRAUD AMOUNT AVAILABLE 2,124,522.00
SPECIAL HAZARD AMOUNT AVAILABLE 1,932,190.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.25138497
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 169.66
POOL TRADING FACTOR: 97.71671718
................................................................................
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Page: 1 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS12(POOL # 4463)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4463
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
A-1 76110GDQ1 74,866,400.00 74,055,965.55 7.750000 % 1,289,327.47
A-2 76110GDR9 44,685,900.00 44,685,900.00 7.500000 % 0.00
A-3 76110GDS7 59,083,700.00 58,444,114.47 7.117500 % 1,017,522.39
A-4 76110GDT5 0.00 0.00 1.882500 % 0.00
A-5 76110GDU2 10,143,000.00 10,210,546.22 8.000000 % 0.00
A-6 76110GDV0 36,047,000.00 35,173,060.25 7.500000 % 1,390,358.64
A-P 76110GDW8 83,943.46 83,658.54 0.000000 % 63.16
A-V 76110GDX6 0.00 0.00 0.657881 % 0.00
R-I 76110GDY4 100.00 0.00 8.000000 % 0.00
R-II 76110GDZ1 100.00 0.00 8.000000 % 0.00
M-1 76110GEA5 8,366,500.00 8,361,813.83 8.000000 % 4,666.39
M-2 76110GEB3 3,031,100.00 3,029,402.25 8.000000 % 1,690.59
M-3 76110GEC1 2,788,600.00 2,787,038.07 8.000000 % 1,555.33
B-1 76110GED9 1,576,200.00 1,575,317.15 8.000000 % 879.12
B-2 76110GEE7 727,500.00 727,092.52 8.000000 % 405.76
B-3 76110GEF4 1,091,296.63 1,090,685.38 8.000000 % 608.67
-------------------------------------------------------------------------------
242,491,340.09 240,224,594.23 3,707,077.52
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
A-1 478,193.76 1,767,521.23 0.00 0.00 72,766,638.08
A-2 279,237.62 279,237.62 0.00 0.00 44,685,900.00
A-3 346,585.52 1,364,107.91 0.00 0.00 57,426,592.08
A-4 91,668.03 91,668.03 0.00 0.00 0.00
A-5 0.00 0.00 68,058.31 0.00 10,278,604.53
A-6 219,792.86 1,610,151.50 0.00 0.00 33,782,701.61
A-P 0.00 63.16 0.00 0.00 83,595.38
A-V 131,676.10 131,676.10 0.00 0.00 0.00
R-I 0.00 0.00 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00
M-1 55,735.60 60,401.99 0.00 0.00 8,357,147.44
M-2 20,192.46 21,883.05 0.00 0.00 3,027,711.66
M-3 18,576.97 20,132.30 0.00 0.00 2,785,482.74
B-1 10,500.26 11,379.38 0.00 0.00 1,574,438.03
B-2 4,846.43 5,252.19 0.00 0.00 726,686.76
B-3 7,269.96 7,878.63 0.00 0.00 1,090,076.71
-------------------------------------------------------------------------------
1,664,275.57 5,371,353.09 68,058.31 0.00 236,585,575.02
===============================================================================
Run: 12/22/00 09:52:09
Page: 2 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS12(POOL # 4463)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4463
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
A-1 989.174924 17.221711 6.387295 23.609006 0.000000 971.953214
A-2 1000.000000 0.000000 6.248898 6.248898 0.000000 1000.000000
A-3 989.174924 17.221711 5.866009 23.087720 0.000000 971.953214
A-4 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
A-5 1006.659393 0.000000 0.000000 0.000000 6.709880 1013.369272
A-6 975.755548 38.570717 6.097397 44.668114 0.000000 937.184831
A-P 996.605811 0.752411 0.000000 0.752411 0.000000 995.853399
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-II 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
M-1 999.439889 0.557747 6.661758 7.219505 0.000000 998.882142
M-2 999.439890 0.557748 6.661760 7.219508 0.000000 998.882142
M-3 999.439887 0.557746 6.661755 7.219501 0.000000 998.882142
B-1 999.439887 0.557746 6.661756 7.219502 0.000000 998.882141
B-2 999.439890 0.557746 6.661759 7.219505 0.000000 998.882144
B-3 999.439886 0.557749 6.661763 7.219512 0.000000 998.882137
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
Run: 12/22/00 09:52:09 rept2.frg
Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS12 (POOL # 4463)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4463
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 49,981.47
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 5,975.50
SUBSERVICER ADVANCES THIS MONTH 69,358.60
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 45 8,793,930.39
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 236,585,575.02
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,441
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 3,504,948.91
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.68290130 % 5.90413900 % 1.41295990 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.57446240 % 5.98952064 % 1.43389980 %
BANKRUPTCY AMOUNT AVAILABLE 155,000.00
FRAUD AMOUNT AVAILABLE 4,849,827.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,424,913.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.98195710
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 355.91
POOL TRADING FACTOR: 97.56454599
................................................................................
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS13(POOL # 4466)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4466
_______________________________________________________________________________
PRINCIPAL CURRENT
ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL
CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION
_______________________________________________________________________________
CB 76110GEG2 125,106,000.00 125,106,000.00 7.750000 % 650,796.21
NB-1 76110GEH0 15,500,000.00 15,500,000.00 8.717742 % 149,120.30
NB-2A 76110GEJ6 73,000,000.00 73,000,000.00 7.450000 % 1,327,904.53
NB-2B 76110GEK3 0.00 0.00 0.300000 % 0.00
NB-3 76110GEL1 11,406,000.00 11,406,000.00 7.750000 % 0.00
NB-4 76110GEM9 25,000,000.00 25,000,000.00 7.150000 % 240,516.61
A-P 76110GEN7 104,859.00 104,859.05 0.000000 % 78.86
A-V 76110GEP2 0.00 0.00 0.829381 % 0.00
R-I 76110GEQ0 100.00 100.00 7.750000 % 100.00
R-II 76110GER8 100.00 100.00 7.750000 % 100.00
M-1 76110GES6 9,279,300.00 9,279,300.00 7.750000 % 5,328.88
M-2 76110GET4 3,227,400.00 3,227,400.00 7.750000 % 1,853.42
M-3 76110GEU1 3,092,800.00 3,092,800.00 7.750000 % 1,776.12
B-1 76110GEV9 1,344,700.00 1,344,700.00 7.750000 % 772.23
B-2 76110GEW7 806,900.00 806,900.00 7.750000 % 463.38
B-3 76110GEX5 1,075,794.99 1,075,794.99 7.750000 % 617.62
-------------------------------------------------------------------------------
268,943,953.99 268,943,954.04 2,379,428.16
===============================================================================
_______________________________________________________________________________
REMAINING
INTEREST TOTAL DEFERRED REALIZED PRINCIPAL
DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE
_______________________________________________________________________________
CB 807,720.90 1,458,517.11 0.00 0.00 124,455,203.79
NB-1 112,591.89 261,712.19 0.00 0.00 15,350,879.70
NB-2A 453,158.90 1,781,063.43 0.00 0.00 71,672,095.47
NB-2B 18,248.01 18,248.01 0.00 0.00 0.00
NB-3 0.00 0.00 73,655.72 0.00 11,479,655.72
NB-4 148,942.08 389,458.69 0.00 0.00 24,759,483.39
A-P 0.00 78.86 0.00 0.00 104,780.19
A-V 185,841.39 185,841.39 0.00 0.00 0.00
R-I 0.65 100.65 0.00 0.00 0.00
R-II 0.65 100.65 0.00 0.00 0.00
M-1 59,914.60 65,243.48 0.00 0.00 9,273,971.12
M-2 20,838.69 22,692.11 0.00 0.00 3,225,546.58
M-3 19,969.59 21,745.71 0.00 0.00 3,091,023.88
B-1 8,682.46 9,454.69 0.00 0.00 1,343,927.77
B-2 5,209.99 5,673.37 0.00 0.00 806,436.62
B-3 6,946.19 7,563.81 0.00 0.00 1,075,177.37
-------------------------------------------------------------------------------
1,848,065.99 4,227,494.15 73,655.72 0.00 266,638,181.60
===============================================================================
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS13(POOL # 4466)
STATEMENT TO CERTIFICATEHOLDERS
DISTRIBUTION SUMMARY FOR POOL# 4466
_______________________________________________________________________________
AMOUNTS PER $1,000 UNIT
_______________________________________________________________________________
BEGINNING ENDING
BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE
CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR
_______________________________________________________________________________
CB 1000.000000 5.201958 6.456292 11.658250 0.000000 994.798042
NB-1 1000.000000 9.620665 7.263993 16.884658 0.000000 990.379336
NB-2A 1000.000000 18.190473 6.207656 24.398129 0.000000 981.809527
NB-2B 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
NB-3 1000.000000 0.000000 0.000000 0.000000 6.457629 1006.457629
NB-4 1000.000000 9.620664 5.957683 15.578347 0.000000 990.379336
A-P 1000.000477 0.752069 0.000000 0.752069 0.000000 999.248408
A-V 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
R-I 1000.000000 1000.000000 6.500000 1006.500000 0.000000 0.000000
R-II 1000.000000 1000.000000 6.500000 1006.500000 0.000000 0.000000
M-1 1000.000000 0.574276 6.456802 7.031078 0.000000 999.425724
M-2 1000.000000 0.574277 6.456804 7.031081 0.000000 999.425724
M-3 1000.000000 0.574276 6.456800 7.031076 0.000000 999.425724
B-1 1000.000000 0.574277 6.456801 7.031078 0.000000 999.425723
B-2 1000.000000 0.574272 6.456798 7.031070 0.000000 999.425728
B-3 1000.000000 0.574106 6.456797 7.030903 0.000000 999.425895
_______________________________________________________________________________
DETERMINATION DATE 20-December-00
DISTRIBUTION DATE 26-December-00
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Page: 3 of 3
RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS13 (POOL # 4466)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4466
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 56,156.06
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 14,934.78
SUBSERVICER ADVANCES THIS MONTH 16,858.01
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 13 1,818,567.70
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 266,638,181.60
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,555
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 2,151,307.34
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.99696530 % 5.80254100 % 1.20049320 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.94044080 % 5.84707767 % 1.21018290 %
BANKRUPTCY AMOUNT AVAILABLE 147,257.00
FRAUD AMOUNT AVAILABLE 5,378,879.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,689,440.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.90557300
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 357.14
POOL TRADING FACTOR: 99.14265690
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS13 (POOL # 4466)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4466
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 27,982.39
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 7,971.07
SUBSERVICER ADVANCES THIS MONTH 9,809.44
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 12 1,212,567.47
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 133,874,955.36
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 1,182
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 580,982.56
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.99929430 % 0.00000000 % 0.00000000 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.96891140 % 5.84707767 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 147,257.00
FRAUD AMOUNT AVAILABLE 5,378,879.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,689,440.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 9.03219068
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 356.83
POOL TRADING FACTOR: 99.51217879
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RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER)
RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY)
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2000-QS13 (POOL # 4466)
STATEMENT TO CERTIFICATEHOLDERS
ADDITIONAL RELATED INFORMATION FOR POOL 4466
_______________________________________________________________________________
SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 28,173.67
SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 6,963.71
SUBSERVICER ADVANCES THIS MONTH 7,048.57
MASTER SERVICER ADVANCES THIS MONTH 0.00
NUMBER OF PRINCIPAL
DELINQUENCIES: LOANS BALANCE
(A) ONE MONTHLY PAYMENT: 1 606,000.23
(B) TWO MONTHLY PAYMENTS: 0 0.00
(C) THREE OR MORE MONTHLY PAYMENTS: 0 0.00
FORECLOSURES
NUMBER OF LOANS 0
AGGREGATE PRINCIPAL BALANCE 0.00
SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER
DISTRIBUTION 132,763,226.24
AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE
DETERMINATION DATE 373
NUMBER OF REO LOANS ACQUIRED
INCLUDING ANY PENDING CASH LIQUIDATIONS 0
BOOK VALUE OF REAL ESTATE ACQUIRED THROUGH
FORECLOSURE OR GRANT OF A DEED IN LIEU OF
FORECLOSURE, INCLUDING ANY PENDING CASH LIQUIDATIONS 0.00
REMAINING SUBCLASS INTEREST SHORTFALL 0.00
CLASS A SHORTFALL (PRINCIPAL) 0.00
CLASS A SHORTFALL (INTEREST) 0.00
TOTAL PREPAYMENTS INCLUDED IN THIS DISTRIBUTION 1,570,324.78
TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 0.00
DISTRIBUTION PERCENTAGES:
SENIOR CLASS M CLASS B
CURRENT DISTRIBUTION 92.99463280 % 0.00000000 % 0.00000000 %
PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 %
NEXT DISTRIBUTION 92.91171230 % 5.84707767 % 0.00000000 %
BANKRUPTCY AMOUNT AVAILABLE 147,257.00
FRAUD AMOUNT AVAILABLE 5,378,879.00
SPECIAL HAZARD AMOUNT AVAILABLE 2,689,440.00
ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 8.77789599
ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 357.46
POOL TRADING FACTOR: 98.77280923
................................................................................
