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 Earliest Event Reported: November 29, 2004
                        (date of earliest event reported)



                        RESIDENTIAL ACCREDIT LOANS, INC.
               (Exact name of Registrant as Specified in Charter)

            Delaware                 333-107959             51-0368240
            --------                 ----------             ----------
        (State or Other             (Commission          (I.R.S. Employer
 Jurisdiction of Incorporation)     File Number)      Identification Number)


     8400 Normandale Lake Boulevard, Suite 250, Minneapolis, Minnesota 55437
               (Address of Principal Executive Offices) (Zip Code)


       Registrant's telephone number, including area code: (952) 857-7000
                                                            --------------


                                 Not Applicable
          (Former Name or Former Address, if Changed Since Last Report)
        -----------------------------------------------------------------


<PAGE>







Items 1  through  4,  Item 6 and Item 8 are not  included  because  they are not
applicable.

Item 5. Other Events.

On November 29, 2004,  Residential  Accredit Loans, Inc. caused the issuance and
sale of the Mortgage Trust  Certificates,  Series 2004-QR1,  pursuant to a Trust
Agreement dated as of November 29, 2004, among Residential Accredit Loans, Inc.,
as company,  Residential Funding Corporation, as certificate administrator,  and
Deutsche Bank Trust Company Americas, as trustee.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

               (a) Not applicable

               (b) Not applicable

               (c) Exhibits (executed copies): The following execution copies of
Exhibits to the Form S-3  Registration  Statement of the  Registrant  are hereby
filed:


Exhibit
Number

10.1 Trust  Agreement dated as of November 29, 2004 among  Residential  Accredit
     Loans, Inc., as company,  Residential Funding  Corporation,  as certificate
     administrator, and Deutsche Bank Trust Company Americas, as trustee.


<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 thereunto duly authorized.

                                   RESIDENTIAL ACCREDIT LOANS, INC.


                                   By:     /s/ Jeff Baines
                                   Name:   Jeff Baines
                                   Title:  Vice President


Dated:  November 29, 2004


<PAGE>



EXHIBIT 10.1

Trust Agreement dated as of November 29, 2004 among Residential  Accredit Loans,
Inc., as company, Residential Funding Corporation, as certificate administrator,
and Deutsche Bank Trust Company Americas, as trustee.
[{"type": "8-K", "sequence": "1", "filename": "qr18kod.txt", "description": "2004 QR1", "secsgml_size_bytes": 3193}]
{"company-data": {"conformed-name": "RALI Series 2004-QR1 Trust", "cik": "0001309381", "assigned-sic": "6189", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-107959-18", "film-number": "041200405"}, "business-address": {"street1": "8400 NORMADALE LAKE BLVD", "street2": "STE 600", "city": "MINNEAPOLIS", "state": "MN", "zip": "55437", "phone": "952-857-7000"}, "mail-address": {"street1": "8400 NORMANDALE LAKE BLVD", "city": "MINNEAPOLIS", "state": "MN", "zip": "55437"}}
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 Earliest Event Reported: November 29, 2004
                        (date of earliest event reported)

                        RESIDENTIAL ACCREDIT LOANS, INC.
               (Exact name of Registrant as Specified in Charter)

            Delaware                 333-107959             51-0368240
            --------                 ----------             ----------
        (State or Other             (Commission          (I.R.S. Employer
 Jurisdiction of Incorporation)     File Number)      Identification Number)

     8400 Normandale Lake Boulevard, Suite 250, Minneapolis, Minnesota 55437
               (Address of Principal Executive Offices) (Zip Code)

       Registrant's telephone number, including area code: (952) 857-7000
                                                            --------------

                                 Not Applicable
          (Former Name or Former Address, if Changed Since Last Report)
        -----------------------------------------------------------------
Items 1  through  4,  Item 6 and Item 8 are not  included  because  they are not
applicable.

Item 5. Other Events.

On November 29, 2004,  Residential  Accredit Loans, Inc. caused the issuance and
sale of the Mortgage Trust  Certificates,  Series 2004-QR1,  pursuant to a Trust
Agreement dated as of November 29, 2004, among Residential Accredit Loans, Inc.,
as company,  Residential Funding Corporation, as certificate administrator,  and
Deutsche Bank Trust Company Americas, as trustee.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.

               (a) Not applicable

               (b) Not applicable

               (c) Exhibits (executed copies): The following execution copies of
Exhibits to the Form S-3  Registration  Statement of the  Registrant  are hereby
filed:

Exhibit
Number

10.1 Trust  Agreement dated as of November 29, 2004 among  Residential  Accredit
     Loans, Inc., as company,  Residential Funding  Corporation,  as certificate
     administrator, and Deutsche Bank Trust Company Americas, as trustee.
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.

                                   By:     /s/ Jeff Baines
                                   Name:   Jeff Baines
                                   Title:  Vice President

Dated:  November 29, 2004
EXHIBIT 10.1

Trust Agreement dated as of November 29, 2004 among Residential  Accredit Loans,
Inc., as company, Residential Funding Corporation, as certificate administrator,
and Deutsche Bank Trust Company Americas, as trustee.