<HTML>
<HEAD>

<TITLE>SECURITIES AND EXCHANGE COMMISSION</TITLE>
</HEAD>
<BODY>

<FONT SIZE=2></FONT>
<TABLE CELLSPACING=0 BORDER=0 CELLPADDING=7 WIDTH=589>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">SECURITIES AND EXCHANGE COMMISSION<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">Washington, D.C. 20549<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">FORM 8-K<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">CURRENT REPORT<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">Pursuant to Section 13 or 15 (d) of <BR>
the Securities Exchange Act of 1934<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P>Date of Report:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;September 20, 2004&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>
</U></TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<U><P ALIGN="CENTER">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HOUSEHOLD MORTGAGE LOAN TRUST 2004-HC1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>
</U>(Exact name of registrant as specified in its charter)<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<U><P ALIGN="CENTER">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;HOUSEHOLD FINANCE CORPORATION&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>
</U>(Master Servicer of the Trust)<BR>
(Exact name as specified in Master Servicer's charter)<BR>
</TD>
</TR>
<TR><TD WIDTH="33%" VALIGN="TOP" COLSPAN=5>
<U><P ALIGN="CENTER">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Delaware&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
</U><P ALIGN="CENTER">(State or other jurisdiction of incorporation of Master Servicer)<BR>
</TD>
<TD WIDTH="34%" VALIGN="TOP">
<U><P ALIGN="CENTER">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;333-89800-05&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
</U><P ALIGN="CENTER">(Commission File Number of Registrant)</TD>
<TD WIDTH="33%" VALIGN="TOP" COLSPAN=2>
<U><P ALIGN="CENTER">Not Applicable<BR>
</U>(IRS Employer Identification Number of Registrant)</TD>
</TR>
<TR><TD WIDTH="75%" VALIGN="TOP" COLSPAN=7>
<U><P>&nbsp;&nbsp;&nbsp;2700 Sanders Road, Prospect Heights, Illinois&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>
</U>(Address of principal executive offices of Master Servicer)<U> </U></TD>
<TD WIDTH="25%" VALIGN="TOP">
<U><P ALIGN="CENTER">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;60070&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>
</U>(Zip Code)<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P>Master Servicer's telephone number, including area code <U>847/564-5000</U></TD>
</TR>
<TR><TD WIDTH="75%" VALIGN="TOP" COLSPAN=7>&nbsp;</TD>
<TD WIDTH="25%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="75%" VALIGN="TOP" COLSPAN=7>&nbsp;</TD>
<TD WIDTH="25%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD WIDTH="75%" VALIGN="TOP" COLSPAN=7>

<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</TD>
<TD WIDTH="25%" VALIGN="TOP">&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">- Page 1 -</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P>Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FINANCIAL STATEMENTS AND EXHIBITS<BR>
</TD>
</TR>
<TR><TD WIDTH="14%" VALIGN="TOP" COLSPAN=2>
<U><P>Exhibit<BR>
Number<BR>
</U></TD>
<TD WIDTH="86%" VALIGN="TOP" COLSPAN=6>
<U><P>Exhibit</U></TD>
</TR>
<TR><TD WIDTH="14%" VALIGN="TOP" COLSPAN=2>
<P>99</TD>
<TD WIDTH="86%" VALIGN="TOP" COLSPAN=6>
<P>Monthly Statement to Noteholders dated September 20, 2004 pursuant to Section 5.03 of the Sale and Servicing Agreement dated as of August 27, 2004, by and among Household Mortgage Funding Corporation III, as Depositor, Household Mortgage Loan Trust 2004-HC1, Household Finance Corporation, as Master Servicer, and U.S. Bank National Association, as Indenture Trustee and HSBC Bank USA, National Association as Administrator, with respect to the Closed-End Mortgage Loan Asset Backed Notes, Series 2004-HC1.</TD>
</TR>
<TR><TD WIDTH="14%" VALIGN="TOP" COLSPAN=2>&nbsp;</TD>
<TD WIDTH="86%" VALIGN="TOP" COLSPAN=6>&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">SIGNATURE<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="JUSTIFY">&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1934, the Master Servicer has duly caused this report to be signed on behalf of the undersigned hereunto duly authorized.</P>
<P ALIGN="JUSTIFY"></TD>
</TR>
<TR><TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="89%" VALIGN="TOP" COLSPAN=7>
<P>HOUSEHOLD FINANCE CORPORATION,<BR>
as Master Servicer of and on behalf of the <BR>
<U>HOUSEHOLD MORTGAGE LOAN TRUST 2004-HC1</U><BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Registrant)</TD>
</TR>
<TR><TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="89%" VALIGN="TOP" COLSPAN=7>&nbsp;</TD>
</TR>
<TR><TD WIDTH="11%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="89%" VALIGN="TOP" COLSPAN=7>
<P>By:&nbsp;&nbsp;<U>/s/ P. D. Schwartz&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>
</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Patrick D. Schwartz<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Authorized Representative<BR>
</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P>Dated: <U>September 28, 2004</U></TD>
</TR>
<TR><TD WIDTH="19%" VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
<TD WIDTH="81%" VALIGN="TOP" COLSPAN=4>&nbsp;</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">EXHIBIT INDEX</TD>
</TR>
<TR><TD WIDTH="18%" VALIGN="TOP" COLSPAN=3>&nbsp;</TD>
<TD WIDTH="82%" VALIGN="TOP" COLSPAN=5>&nbsp;</TD>
</TR>
<TR><TD WIDTH="18%" VALIGN="TOP" COLSPAN=3>
<P>Exhibit<BR>
<U>Number&nbsp;&nbsp;&nbsp;</U></TD>
<TD WIDTH="82%" VALIGN="TOP" COLSPAN=5>
<P><BR>
<U>Exhibit<BR>
</U></TD>
</TR>
<TR><TD WIDTH="18%" VALIGN="TOP" COLSPAN=3>
<P>99</TD>
<TD WIDTH="82%" VALIGN="TOP" COLSPAN=5>
<P>Monthly Statement to Noteholders dated September 20, 2004 pursuant to Section 5.03 of the Sale and Servicing Agreement dated as of August 27, 2004, by and among Household Mortgage Funding Corporation III, as Depositor, Household Mortgage Loan Trust 2004-HC1, Household Finance Corporation, as Master Servicer, and U.S. Bank National Association, as Indenture Trustee and HSBC Bank USA, National Association as Administrator, with respect to the Closed-End Mortgage Loan Asset Backed Notes, Series 2004-HC1.</TD>
</TR>
<TR><TD VALIGN="TOP" COLSPAN=8>
<P ALIGN="CENTER">- Page 2 - </TD>
</TR>
</TABLE>

<FONT SIZE=2></FONT></BODY>
</HTML>
[{"type": "8-K", "sequence": "1", "filename": "hmlt20041.htm", "secsgml_size_bytes": 6864}]
{"company-data": {"conformed-name": "Household Mortgage Loan Trust 2004-HC1", "cik": "0001301434", "assigned-sic": "6189", "state-of-incorporation": "DE"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-89800-01", "film-number": "041052448"}, "business-address": {"street1": "2700 SANDERS RD", "city": "PROSPECT HEIGHTS", "state": "IL", "zip": "60070"}, "mail-address": {"street1": "2700 SANDERS RD", "city": "PROSPECT HEIGHTS", "state": "IL", "zip": "60070"}}
SECURITIES AND EXCHANGE COMMISSION
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:
September 20, 2004
HOUSEHOLD MORTGAGE LOAN TRUST 2004-HC1
(Exact name of registrant as specified in its charter)
HOUSEHOLD FINANCE CORPORATION
(Master Servicer of the Trust)
(Exact name as specified in Master Servicer's charter)
Delaware
(State or other jurisdiction of incorporation of Master Servicer)
333-89800-05
(Commission File Number of Registrant)
Not Applicable
(IRS Employer Identification Number of Registrant)
2700 Sanders Road, Prospect Heights, Illinois
(Address of principal executive offices of Master Servicer)
60070
(Zip Code)
Master Servicer's telephone number, including area code
847/564-5000
- Page 1 -
Item 9.01     FINANCIAL STATEMENTS AND EXHIBITS
Exhibit
Number
Exhibit
99
Monthly Statement to Noteholders dated September 20, 2004 pursuant to Section 5.03 of the Sale and Servicing Agreement dated as of August 27, 2004, by and among Household Mortgage Funding Corporation III, as Depositor, Household Mortgage Loan Trust 2004-HC1, Household Finance Corporation, as Master Servicer, and U.S. Bank National Association, as Indenture Trustee and HSBC Bank USA, National Association as Administrator, with respect to the Closed-End Mortgage Loan Asset Backed Notes, Series 2004-HC1.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the Master Servicer has duly caused this report to be signed on behalf of the undersigned hereunto duly authorized.
HOUSEHOLD FINANCE CORPORATION,
as Master Servicer of and on behalf of the
HOUSEHOLD MORTGAGE LOAN TRUST 2004-HC1
(Registrant)
By:
/s/ P. D. Schwartz
Patrick D. Schwartz
Authorized Representative
Dated:
September 28, 2004
EXHIBIT INDEX
Exhibit
Number
Exhibit
99
Monthly Statement to Noteholders dated September 20, 2004 pursuant to Section 5.03 of the Sale and Servicing Agreement dated as of August 27, 2004, by and among Household Mortgage Funding Corporation III, as Depositor, Household Mortgage Loan Trust 2004-HC1, Household Finance Corporation, as Master Servicer, and U.S. Bank National Association, as Indenture Trustee and HSBC Bank USA, National Association as Administrator, with respect to the Closed-End Mortgage Loan Asset Backed Notes, Series 2004-HC1.
- Page 2 -