UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 10-K

              Annual Report Pursuant to Section 13 or 15 (d) of the
                         Securities Exchange Act of 1934
                   For the Fiscal year ended December 31, 2003

                        Commission file number 333-107959

                        RESIDENTIAL ACCREDIT LOANS, INC.

                        State of Incorporation: Delaware
                I.R.S. Employer Identification Number: 51-0368240

                      8400 Normandale Lake Blvd., Suite 250
                          Minneapolis, Minnesota 55437
                            Telephone (952) 857-7000

        Securities registered pursuant to Section 12(b) of the Act: None
        Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed  by  Section  13 or 15 (d) of the  Securities  Exchange  Act of 1934
during the preceding 12 months (or for such shorter  periods that the Registrant
was  required  to file such  reports)  and (2) has been  subject to such  filing
requirements for the past 90 days.
Yes    X    No ____.

Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405
of Regulation  S-K is not contained  herein,  and will not be contained,  to the
best of Registrant's  knowledge,  in definitive proxy or information  statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. X

Indicate by checkmark whether the Registrant is an accelerated filer (as defined
in Exchange Act Rule 12b-2). Yes ____ No X





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RESIDENTIAL ACCREDIT LOANS, INC.

TABLE OF CONTENTS


PART 1                                                                   PAGE #

Item 1.        Business                                                       2
Item 2.        Properties                                                     2
Item 3.        Legal Proceedings                                              2
Item 4.        Submission of Matters to a Vote of Security Holders            2

PART II

Item 5.        Market for the Registrant's Common Equity and Related          2
               Stockholder Matters
Item 6.        Selected Financial Data                                        2
Item 7.        Management's Discussion and Analysis of Financial              2
               Condition and Results of Operations
Item 7A.       Quantitative and Qualitative Disclosures About Market Risk     2
Item 8.        Financial Statements and Supplementary Financial Data          3
Item 9.        Changes in and Disagreements with Accountants on               3
               Accounting and Financial Disclosure
Item 9A.       Controls and Procedures                                        3

PART III

Item 10.       Directors and Executive Officers of the Registrant             3
Item 11.       Executive Compensation                                         3
Item 12.       Security Ownership of Certain Beneficial Owners and            3
               Management
Item 13.       Certain Relationships and Related Transactions                 3
Item 14.       Principal Accountant Fees and Services                         3

PART IV

Item 15.       Exhibits, Financial Statement Schedules and Reports            4

SIGNATURES                                                                    5
CERTIFICATION                                                                 6
EXHIBITS
        Exhibit 99.1 -       Annual Statement as to Compliance
        Exhibit 99.2 -       Residential Funding Corporation Independent
                             Auditor's Report on the Uniform
                             Single Audit Program for Mortgage Bankers
        Exhibit 99.3 -       Item 5(a)
        Exhibit 99.4 -       Consent of PricewaterhouseCoopers
        Exhibit 99.5 -       Consent of KPMG LLP, independent auditors of Ambac
                             Assurance Corporation and subsidiaries

                                          1


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PART I

Item 1.        Business

        Information not provided pursuant to No Action Request.

Item 2.        Properties

        Pursuant to the No Action  Request,  Residential  Funding  Corporation's
        (the "Master  Servicer") Annual Statement as to Compliance,  dated as of
        March 30, 2004 is filed as Exhibit 99.1 under Item 16 (a) hereof.

Item 3.        Legal Proceedings

        The trustee for RALI Series  2000-QS13  has been named as a defendant in
        the following purported class action lawsuit:

               Donald and Hilda Hall et al v. Homecomings  Financial  Network et
               al, in Orange County Superior Court, California.

               The case was  initially  filed on July 7, 2003.  The case alleges
               that the servicer  failed to reconvey  title of the collateral to
               borrowers  within a timely manner after payoff of the  borrowers'
               loans.  It attempts to hold both the servicer  and the  Indenture
               Trustee,  as the beneficiary under the deed of trust,  liable for
               any applicable  statutory  penalties,  seeking  monetary  damages
               only. The parties have conditionally  agreed upon a settlement of
               the case. RFC has indemnified the Indenture Trustee for all costs
               and expenses  associated  with the  litigation,  and will pay any
               settlement,  fees and administrative  costs related thereto.  All
               loans in question  have  already  been  paid-in-full  and have no
               continuing  relationship  to the trusts in which they  previously
               resided.

Item 4.        Submission of Matters to a Vote of Security Holders

        There were no matters submitted to a vote of the Security Holders.

PART II

Item 5.        Market for the Registrant's Common Equity and Related Matters.

(a)            There  is  no   established   public   trading   market  for  the
               Certificates.  At  December  31,  2003,  the number of holders or
               record of each  outstanding  series of  Certificates is listed in
               Exhibit 99.3 under Item 15 (a) hereof.
(b)            Not applicable.
(c)            Not applicable.

Item 6.        Selected Financial Data

        Information not provided pursuant to No Action Request.

Item 7.        Management's Discussion and Analysis of Financial Condition
               and Results of Operations.

        Information not provided pursuant to No Action Request.

Item 7A.       Quantitative and Qualitative Disclosures About Market Risk.

        Not Applicable.



                                        2
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Item 8.        Financial Statements and Supplementary Financial Data

        See the Master  Servicer's  Annual Statement of Compliance that is filed
        as Exhibit 99.1 under Item 16 (a) hereof; see also report dated February
        20,  2004  prepared  by the Master  Servicer's  independent  accountant,
        concerning the Master Servicer's  servicing  activities that is filed as
        Exhibit 99.2 under Item 16 (a) hereof.

Item 9.        Changes in and Disagreements with Accountants on Accounting
               and Financial Disclosure

        Not applicable.

Item 9A.       Controls and Procedures.

        Not applicable.

PART III

Item 10.       Directors and Executive Officers of the Registrant

        Information not provided pursuant to No Action Request.

Item 11.       Executive Compensation

        Information not provided pursuant to No Action Request.

Item 12.       Security Ownership of Certain Beneficial Owners and Management

        Information required by Item 201(d) of Regulation S-K is not applicable.
        Remaining information not provided pursuant to No Action Request.

Item 13.       Certain Relationships and Related Transactions

        Information not provided pursuant to No Action Request.

Item 14.       Principal Accountant Fees and Services.

        Not applicable.


                                        3
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PART IV

 Item 15.      Exhibits, Financial Statement Schedules and Reports on Form 8-K

(a)                                                             Exhibit #

        Officer's Annual Compliance Statements                   99.1
        Residential Funding Corporation

        Residential Funding Corporation Independent Auditor's    99.2
        Report on the Uniform Single Audit Program for Mortgage
        Bankers

        Item 5(a)                                                99.3

        Consent of PricewaterhouseCoopers                        99.4

        Consent of KPMG LLP, independent auditors of Ambac       99.5
        Assurance Corporation and subsidiaries

        Audited  financial  statements  for the year ended December 31, 2003 for
        Municipal Bond Investors Assurance Corporation. *

        Audited  financial  statements  for the year ended December 31, 2003 for
        Ambac Assurance Corporation**

(b) Information not provided pursuant to No Action Request.
(c) Information not provided pursuant to No Action Request.
(d) Information not provided pursuant to No Action Request.



__________________________

*    Incorporated by reference to the audited financial  statements of Municipal
     Bond Investors  Assurance  Corporation,  Inc. filed with the Securities and
     Exchange Commission on or about March 12, 2004 as part of its Annual Report
     on Form 10-K (Commission  File #1-9583) for the  twelve-month  period ended
     December 31, 2003.

**   Incorporated by reference to the consolidated financial statements of Ambac
     Assurance  Corporation  and  subsidiaries as of December 31, 2003 and 2002,
     and for each of the years in the three-year period ended December 31, 2003,
     which report  appears in the Annual Report on Form 10-K of Ambac  Financial
     Group, Inc., which was filed with the Securities and Exchange Commission on
     March 15, 2004 (Securities and Exchange  Commission File No. 1-10777).  The
     report  of KPMG  LLP  refers  to  changes,  in  2003,  in  Ambac  Assurance
     Corporation's  methods of  accounting  for variable  interest  entities and
     stock-based compensation.




                                        4
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                                   SIGNATURES

        Pursuant to the  requirements  of Section 13 or 15(d) of the  Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the  undersigned,  thereto  duly  authorized,  on this 30th day of
March, 2004.



RESIDENTIAL ACCREDIT LOANS, INC.

        By:    RESIDENTIAL FUNDING CORPORATION, as Master Servicer

        By:    /s/ Barbara Wendt
        Name:  Barbara Wendt
        Title: Managing Director, Master Servicing



                                        5
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                                  CERTIFICATION


        I, Barbara Wendt, certify that:

        1. I have reviewed  this annual report on Form 10-K,  and all reports on
Form 8-K  containing  distribution  or  servicing  reports  filed in  respect of
periods  included in the year  covered by this  annual  report,  of  Residential
Accredit Loans, Inc.;

        2. Based on my knowledge,  the information in these reports,  taken as a
whole, does not contain any untrue statement of a material fact or omit to state
a  material  fact  necessary  to make  the  statements  made,  in  light  of the
circumstances  under which such  statements  were made, not misleading as of the
last day of the period covered by this annual report;

        3. Based on my  knowledge,  the  distribution  or servicing  information
required to be provided  to the  trustee by the  servicer  under the pooling and
servicing, or similar,  agreement, for inclusion in these reports is included in
these reports;

        4. I am  responsible  for  reviewing  the  activities  performed  by the
servicer under the pooling and servicing,  or similar,  agreement and based upon
my knowledge and the annual compliance review required under that agreement, and
except as disclosed in the reports,  the servicer has fulfilled its  obligations
under that agreement; and

        5. The reports  disclose all  significant  deficiencies  relating to the
servicer's compliance with the minimum servicing standards based upon the report
provided by an  independent  public  accountant,  after  conducting  a review in
compliance with the Uniform Single  Attestation  Program for Mortgage Bankers or
similar  procedure,  as set forth in the  pooling  and  servicing,  or  similar,
agreement, that is included in these reports.

        In  giving  the  certifications  above,  I  have  reasonably  relied  on
information  provided to me by the unaffiliated parties listed herein in Annex I
attached hereto.

Date: March 30, 2004

/s/ Barbara Wendt
Barbara Wendt
Managing Director, Master Servicing



                                        6
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                                     Annex I

Subservicers:

1st 2Nd Mortgage Co. Of Nj, Inc.
ABN AMRO Mortgage Group, Inc.
Accredited Home Lenders, Inc. (Se)
Alliance Mortgage Company
American Airlines Federal Credit Union
Amsouth Bank
Bancoklahoma Mtg Corp
Bank Of America, N.a.
Bank Of Hawaii
Bank One, N. A.
Bank-fund  Staff Federal Credit Union
Bb&t Of Virginia
Boston  Federal  Savings Bank
Bsi  Financial  Services,   Inc.
Carolina  First  Bank
Cendant  Mortgage Corporation
Cenlar Federal  Savings Bank
Central  Carolina Bank & Trust
Central Pacific Bank
Centura  Bank
Century Bank
Charter One Mortgage Corporation
Chase Manhattan Mortgage Corp.
Chevy Chase Sb, Fsb
Citimortgage, Inc.
City Bank
Colonial Savings, F.a.
Columbia Equities, Ltd.
Columbia National, Inc.
Countrywide Home Loans, Inc.
Crescent Bank & Trust Company
Crescent Mortgage Services, Inc.
Cuna Mutual Mortgage Corporation
Dollar Bank, Fsb
Downey Savings & Loan Assoc., F.a.
E.m.c. Corporation
Emigrant Mortgage Company
Fairbanks Capital Corp
Fifth Third Bank
First Financial Bank
First Hawaiian Bank
First Horizon Home Loan Corp
First Indiana Bank
First Interstate Bank
First Nationwide Mortgage Corp.
First Republic Bank
First West Mortgage Bankers Ltd.
First-citizens  Bank And Trust  Company Of Sc
Firstmerit  Corporation
Franklin National Bank
Fremont Bank
Gateway Business Bank
Ge Mortgage Services,  Llc
Gmac Mortgage Corp
Golden First Mortgage Corp.
Graystone Mortgage Corporation
Greenpoint Mortgage Funding, Inc.
Guaranty Residential Lending, Inc.
Guardian Mortgage Company Inc.
Hawaii Homeloans, Inc.
Home Financing Center, Inc.
Homecomings Financial
Homeside Lending, Inc.
Homestreet Bank
Hsbc Mortgage Corporation (Usa)
Irwin Mortgage Corporation
Liberty Savings Bank Fsb
Litton Loan Servicing Llp
M & T Mortgage Corporation
Master Financial Inc.
Matrix Financial Services Corporation
Mid America Bank Fsb
Mid-state Bank & Trust
Mitchell Mortgage Company, L.l.c.
Mortgage Access Corp.
Mortgage Lenders Network Usa Inc. (Se)
Mountain States Mortgage Center, Inc.
National City Mortgage Company
New Mexico Mortgage Finance Authority
New South Federal Savings Bank
North American Mortgage Company
Ocwen Financial Corporation
Pacific Capital Bank, Na
Primewest Mortgage Corporation
Provident Funding Associates, L.p.
Provident Savings Bank F.s.b
Republic Bank
Sky Financial Group, Inc.
Stanford Federal Credit Union
Suntrust Mortgage, Inc.
Synovus Mortgage Corporation
Taylor, Bean & Whitaker Mortgage Corp.
Test Company x
The Huntington National Bank
The Northern Trust Company
Third Federal Savings & Loan Assoc. Of Cleveland
Tib The Independent Bankersbank
Trustcorp Mortgage Company
U.S. Bank N.a.
Ulster Savings Bank
Union Bank Of California, N.a.
Wachovia Mortgage Corporation
Wall Street Mortgage Bankers
Washington Mutual Bank, Fa
Wells Fargo Home Mortgage, Inc
Westamerica Bank
Wilshire Credit Corporation


Trustees:


JP Morgan Chase Bank, as successor in interest to Bank One, National Association
Deutsche Bank Trust Company Americas

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