<PAGE>
--------------------------------------------------------------------------------

                       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) July 17, 2000

                          Accredited Home Lenders, Inc.
             -----------------------------------------------------
             (Exact name of registrant as specified in its charter)

          California                    333-07219                33-0426859
-------------------------------  ------------------------  ---------------------
(State or Other Jurisdiction of  (Commission File Number)     (I.R.S. Employer
        Incorporation)                                       Identification No.)

  Attention: General Counsel
   15030 Avenue of Science,
          Suite 100
         San Diego, CA                                            92128
-------------------------------                        -------------------------
     (Address of principal                                      (Zip Code)
       executive offices)


Registrant's Telephone Number,
including area code:                                              (858) 676-2100
--------------------------------------------------------------------------------

                                    No Change
--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)


--------------------------------------------------------------------------------

<PAGE>

Item 5.  OTHER EVENTS

      In connection with the offering of the Accredited Mortgage Loan Trust
2002-1, Asset Backed Notes, Series 2002-1 described in a Prospectus Supplement
related to the offered notes, certain "Computational Materials" within the
meanings of the May 20, 1994 Kidder, Peabody No-Action Letter and the February
17, 1995 Public Securities Association No-Action Letter were furnished to
certain prospective investors (the "Related Computational Materials").

Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

        (a)   Not applicable

        (b)   Not applicable.

        (c)   EXHIBITS

              EXHIBIT NO.         DESCRIPTION

                 99.1.            Related Computational Materials
                                  (as defined in Item 5 above).

                 99.2             Related Computational Materials
                                  (as defined in Item 5 above).


                                       2

<PAGE>

                                   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 hereunto duly authorized.

                                     ACCREDITED MORTGAGE LOAN TRUST 2002-1

                                     By: Accredited Home Lenders, Inc.


                                     By:  /s/ Ray W. McKewon
                                          -------------------------------
                                          Name:  Ray W. McKewon
                                          Title: Executive Vice President



Dated:  July 17, 2002



                                       3

<PAGE>

                                  EXHIBIT INDEX

Exhibit No.       Description
-----------       -----------
   99.1.          Related Computational Materials
                  (as defined in Item 5 above).

   99.2           Related Computational Materials
                  (as defined in Item 5 above).












                                       4
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{"company-data": {"conformed-name": "ACCREDITED HOME LENDERS INC", "cik": "0001017017", "assigned-sic": "6798", "irs-number": "330426859", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-07219", "film-number": "02705599"}, "business-address": {"street1": "11000 BROKEN LAND PARKWAY", "street2": "NORWEST BANK MINNESOTA", "city": "COLUMBIA", "state": "MD", "zip": "21044", "phone": "8586762100"}, "mail-address": {"street1": "15030 AVENUE OF SCIENCE", "street2": "SUITE 100", "city": "SAN DIEGO", "state": "CA", "zip": "92128"}}
--------------------------------------------------------------------------------

                       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) July 17, 2000

                          Accredited Home Lenders, Inc.
             -----------------------------------------------------
             (Exact name of registrant as specified in its charter)

          California                    333-07219                33-0426859
-------------------------------  ------------------------  ---------------------
(State or Other Jurisdiction of  (Commission File Number)     (I.R.S. Employer
        Incorporation)                                       Identification No.)

  Attention: General Counsel
   15030 Avenue of Science,
          Suite 100
         San Diego, CA                                            92128
-------------------------------                        -------------------------
     (Address of principal                                      (Zip Code)
       executive offices)

Registrant's Telephone Number,
including area code:                                              (858) 676-2100
--------------------------------------------------------------------------------

                                    No Change
--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)

--------------------------------------------------------------------------------
Item 5.  OTHER EVENTS

      In connection with the offering of the Accredited Mortgage Loan Trust
2002-1, Asset Backed Notes, Series 2002-1 described in a Prospectus Supplement
related to the offered notes, certain "Computational Materials" within the
meanings of the May 20, 1994 Kidder, Peabody No-Action Letter and the February
17, 1995 Public Securities Association No-Action Letter were furnished to
certain prospective investors (the "Related Computational Materials").

Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

        (a)   Not applicable

        (b)   Not applicable.

        (c)   EXHIBITS

              EXHIBIT NO.         DESCRIPTION

                 99.1.            Related Computational Materials
                                  (as defined in Item 5 above).

                 99.2             Related Computational Materials
                                  (as defined in Item 5 above).

                                       2
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 hereunto duly authorized.

                                     ACCREDITED MORTGAGE LOAN TRUST 2002-1

                                     By: Accredited Home Lenders, Inc.

                                     By:  /s/ Ray W. McKewon
                                          -------------------------------
                                          Name:  Ray W. McKewon
                                          Title: Executive Vice President

Dated:  July 17, 2002

                                       3
EXHIBIT INDEX

Exhibit No.       Description
-----------       -----------
   99.1.          Related Computational Materials
                  (as defined in Item 5 above).

   99.2           Related Computational Materials
                  (as defined in Item 5 above).

                                       4