-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, P2HLIB0l2LMNGWeLIzTXJWhnet+XBF2OCuu/ZY8Q/c39bNlczgVnQGrPrZ+NhJuy 5aUdtgQ+uj8sCER/2ONPYQ== 0001288804-05-000001.txt : 20050103 0001288804-05-000001.hdr.sgml : 20041231 20050103094958 ACCESSION NUMBER: 0001288804-05-000001 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20041220 ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20050103 DATE AS OF CHANGE: 20050103 FILER: COMPANY DATA: COMPANY CONFORMED NAME: RALI 2004-QS5 CENTRAL INDEX KEY: 0001288804 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 333-107959-04 FILM NUMBER: 05500278 BUSINESS ADDRESS: STREET 1: 8400 NORMADALE LAKE BLVD STREET 2: STE 600 CITY: MINNEAPOLIS STATE: MN ZIP: 55437 BUSINESS PHONE: 952-857-7000 MAIL ADDRESS: STREET 1: 8400 NORMANDALE LAKE BLVD CITY: MINNEAPOLIS STATE: MN ZIP: 55437 8-K 1 qs58k12.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) December 27, 2004 RESIDENTIAL ACCREDIT LOANS, INC. as depositor of the RALI SERIES 2004-QS5 TRUST (Exact name of the registrant as specified in its charter) Delaware 333-107959-05 51-0368240 (State or other (Commission File Number) (I.R.S. Employee jurisdiction of incorporation) Identification No.) Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code (952) 857-7000 N/A _______________________________________________________________________________ (Former name or address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: [ ] Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) INFORMATION TO BE INCLUDED IN THE REPORT Section 8 - Other Events Item 8.01 - Other Events A copy of the monthly report relating to the December 2004 distribution to holders of the Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS5 is included as an exhibit to this Report. Section 9 - Financial Statements and Exhibits Item 9.01 - Financial Statements, Pro Forma Financial Information and Exhibits The following is filed as an Exhibit to this Report under Exhibit 20. No. 20. December 2004 Monthly Report SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. RESIDENTIAL ACCREDIT LOANS, INC., as depositor of the registrant identified on the cover page to this Report By: /s/ Barbara Wendt Name: Barbara Wendt Title: Managing Director Dated: December 27, 2004 EX-20 2 qs50412.txt Run: 12/21/04 12:30:57 REPT1B.FRG Page: 1 of 3 RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER) RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY) MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2004-QS5(POOL # 4841) STATEMENT TO CERTIFICATEHOLDERS DISTRIBUTION SUMMARY FOR POOL# 4841 _______________________________________________________________________________ PRINCIPAL CURRENT ORIGINAL BALANCE BEFORE PASS-THROUGH PRINCIPAL CLASS CUSIP FACE VALUE DISTRIBUTION RATE DISTRIBUTION _______________________________________________________________________________ A-1 76110HSR1 50,000,000.00 42,550,462.80 4.600000 % 1,455,954.86 A-2 76110HSS9 30,000,000.00 30,000,000.00 5.500000 % 0.00 A-3 76110HST7 14,500,000.00 14,500,000.00 5.750000 % 0.00 A-4 76110HSU4 12,438,900.00 12,438,900.00 5.750000 % 0.00 A-5 76110HSV2 127,754,111.00 104,746,844.42 4.750000 % 4,496,593.61 A-6 76110HSW0 40,786,889.00 34,213,384.26 2.780630 % 1,284,741.03 A-7 76110HSX8 0.00 0.00 4.719370 % 0.00 A-8 76110HSY6 0.00 0.00 5.750000 % 0.00 A-P 76110HSZ3 1,736,142.99 1,670,308.21 0.000000 % 22,365.51 A-V 76110HTA7 0.00 0.00 0.311577 % 0.00 R-I 76110HTB5 100.00 0.00 5.750000 % 0.00 R-II 76110HTC3 100.00 0.00 5.750000 % 0.00 M-1 76110HTD1 7,342,100.00 7,274,969.76 5.750000 % 12,001.55 M-2 76110HTE9 3,523,900.00 3,491,680.30 5.750000 % 5,760.24 M-3 76110HTF6 2,202,500.00 2,182,362.12 5.750000 % 3,600.26 B-1 76110HSN0 1,027,800.00 1,018,402.63 5.750000 % 1,680.07 B-2 76110HSP5 1,321,500.00 1,309,417.27 5.750000 % 2,160.15 B-3 76110HSQ3 1,027,848.55 1,018,450.73 5.750000 % 1,680.14 - ------------------------------------------------------------------------------- 293,661,891.54 256,415,182.50 7,286,537.42 =============================================================================== _______________________________________________________________________________ REMAINING INTEREST TOTAL DEFERRED REALIZED PRINCIPAL DISTRIBUTION DISTRIBUTION INTEREST LOSSES BALANCE _______________________________________________________________________________ A-1 163,101.59 1,619,056.45 0.00 0.00 41,094,507.94 A-2 137,492.82 137,492.82 0.00 0.00 30,000,000.00 A-3 69,475.54 69,475.54 0.00 0.00 14,500,000.00 A-4 59,599.95 59,599.95 0.00 0.00 12,438,900.00 A-5 414,601.27 4,911,194.88 0.00 0.00 100,250,250.81 A-6 79,274.83 1,364,015.86 0.00 0.00 32,928,643.23 A-7 134,547.66 134,547.66 0.00 0.00 0.00 A-8 84,417.64 84,417.64 0.00 0.00 0.00 A-P 0.00 22,365.51 0.00 0.00 1,647,942.70 A-V 66,574.14 66,574.14 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 34,857.41 46,858.96 0.00 0.00 7,262,968.21 M-2 16,730.09 22,490.33 0.00 0.00 3,485,920.06 M-3 10,456.61 14,056.87 0.00 0.00 2,178,761.86 B-1 4,879.59 6,559.66 0.00 0.00 1,016,722.56 B-2 6,273.96 8,434.11 0.00 0.00 1,307,257.12 B-3 4,879.82 6,559.96 0.00 0.00 1,016,770.59 - ------------------------------------------------------------------------------- 1,287,162.92 8,573,700.34 0.00 0.00 249,128,645.08 =============================================================================== Run: 12/21/04 12:30:57 Page: 2 of 3 RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER) RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY) MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2004-QS5(POOL # 4841) STATEMENT TO CERTIFICATEHOLDERS DISTRIBUTION SUMMARY FOR POOL# 4841 _______________________________________________________________________________ AMOUNTS PER $1,000 UNIT _______________________________________________________________________________ BEGINNING ENDING BALANCE PRINCIPAL INTEREST TOTAL DEFERRED BALANCE CLASS FACTOR FACTOR FACTOR DISTRIBUTION INTEREST FACTOR _______________________________________________________________________________ A-1 851.009256 29.119097 3.262032 32.381129 0.000000 821.890159 A-2 1000.000000 0.000000 4.583094 4.583094 0.000000 1000.000000 A-3 1000.000000 0.000000 4.791417 4.791417 0.000000 1000.000000 A-4 1000.000000 0.000000 4.791416 4.791416 0.000000 1000.000000 A-5 819.909775 35.197252 3.245307 38.442559 0.000000 784.712523 A-6 838.832897 31.498873 1.943635 33.442508 0.000000 807.334024 A-7 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 A-8 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 A-P 962.079860 12.882297 0.000000 12.882297 0.000000 949.197563 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-1 990.856806 1.634621 4.747608 6.382229 0.000000 989.222186 M-2 990.856806 1.634621 4.747606 6.382227 0.000000 989.222186 M-3 990.856805 1.634620 4.747610 6.382230 0.000000 989.222186 B-1 990.856803 1.634618 4.747607 6.382225 0.000000 989.222186 B-2 990.856805 1.634620 4.747605 6.382225 0.000000 989.222186 B-3 990.856804 1.634618 4.747606 6.382224 0.000000 989.222186 _______________________________________________________________________________ DETERMINATION DATE 23-December-04 DISTRIBUTION DATE 27-December-04 Run: 12/21/04 12:30:57 rept2.frg Page: 3 of 3 RESIDENTIAL FUNDING CORPORATION (MASTER SERVICER) RESIDENTIAL ACCREDIT LOANS, INC. (COMPANY) MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2004-QS5 (POOL # 4841) STATEMENT TO CERTIFICATEHOLDERS ADDITIONAL RELATED INFORMATION FOR POOL 4841 _______________________________________________________________________________ SERVICING COMPENSATION RECEIVED BY SUB-SERVICER 53,405.17 SERVICING COMPENSATION RECEIVED BY MASTER SERVICER 10,131.09 SUBSERVICER ADVANCES THIS MONTH 26,274.92 MASTER SERVICER ADVANCES THIS MONTH 0.00 NUMBER OF PRINCIPAL DELINQUENCIES: LOANS BALANCE (A) ONE MONTHLY PAYMENT: 14 2,141,718.59 (B) TWO MONTHLY PAYMENTS: 5 1,050,834.38 (C) THREE OR MORE MONTHLY PAYMENTS: 4 542,206.84 FORECLOSURES NUMBER OF LOANS 3 AGGREGATE PRINCIPAL BALANCE 376,560.28 SCHEDULED PRINCIPAL BALANCE OF MORTGAGE LOANS AFTER DISTRIBUTION 249,128,645.08 AGGREGATE NUMBER OF LOANS IN THE POOL AS OF THE DETERMINATION DATE 1,655 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 6,864,379.92 TOTAL REPURCHASES INCLUDED IN THIS DISTRIBUTION 169,994.08 DISTRIBUTION PERCENTAGES: SENIOR CLASS M CLASS B CURRENT DISTRIBUTION 93.60329300 % 5.08312900 % 1.30502050 % PREPAYMENT PERCENT 100.00000000 % 0.00000000 % 0.00000000 % NEXT DISTRIBUTION 93.42639600 % 5.18914641 % 1.34990330 % BANKRUPTCY AMOUNT AVAILABLE 150,000.00 FRAUD AMOUNT AVAILABLE 8,809,857.00 SPECIAL HAZARD AMOUNT AVAILABLE 2,936,619.00 ENDING GROSS WEIGHTED AVERAGE INTEREST RATE 6.33983879 ENDING WEIGHTED AVERAGE MATURITY, IN MONTHS 347.80 POOL TRADING FACTOR: 84.83519730 -----END PRIVACY-ENHANCED MESSAGE-----