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) August 1, 2004

RESIDENTIAL  ACCREDIT  LOANS,  INC.  (as company  under a Pooling and  Servicing
Agreement  dated as of August 1, 2004 providing for, inter alia, the issuance of
Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS11)

                        Residential Accredit Loans, Inc.
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

           DELAWARE                 333-101791-02               51-0368240
   (STATE OR OTHER JURISDICTION     (COMMISSION)             (I.R.S. EMPLOYER
       OF INCORPORATION)            FILE NUMBER)            IDENTIFICATION NO.)

          8400 Normandale Lake Blvd., Suite 250, Minneapolis, MN 55437
               (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)

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

          (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)

                         Exhibit Index located on Page 2



<PAGE>


Item 8.01  Other Events.

On August 30, 2004, Residential Accredit Loans, Inc. caused the issuance and
sale of the Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS11,
pursuant to a Series Supplement, dated as of August 1, 2004, and the Standard
Terms of Pooling and Servicing Agreement, dated as of August 1, 2004, among
Residential Accredit Loans, Inc., as company, Residential Funding Corporation,
as master servicer, and Deutsche Bank Trust Company Americas, as trustee.

Item 9.01 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:

                                                          Sequentially
Exhibit                                                     Numbered
Number                                                    Exhibit Page

10.1 Series  Supplement,  dated as of August 1, 2004,  and the Standard Terms of
     Pooling  and  Servicing  Agreement,  dated  as of  August  1,  2004,  among
     Residential   Accredit  Loans,  Inc.,  as  company,   Residential   Funding
     Corporation,  as master servicer, 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/ Joseph Orning
                                        Name:  Joseph Orning
                                       Title:  Vice President


Dated:  August 30, 2004

<PAGE>
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{"company-data": {"conformed-name": "RALI Series 2004-QS11 Trust", "cik": "0001301679", "assigned-sic": "6189", "irs-number": "510368240", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-101791-02", "film-number": "041029595"}, "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 REPORT (DATE OF EARLIEST EVENT REPORTED) August 1, 2004

RESIDENTIAL  ACCREDIT  LOANS,  INC.  (as company  under a Pooling and  Servicing
Agreement  dated as of August 1, 2004 providing for, inter alia, the issuance of
Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS11)

                        Residential Accredit Loans, Inc.
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

           DELAWARE                 333-101791-02               51-0368240
   (STATE OR OTHER JURISDICTION     (COMMISSION)             (I.R.S. EMPLOYER
       OF INCORPORATION)            FILE NUMBER)            IDENTIFICATION NO.)

          8400 Normandale Lake Blvd., Suite 250, Minneapolis, MN 55437
               (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)

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

          (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)

                         Exhibit Index located on Page 2
Item 8.01  Other Events.

On August 30, 2004, Residential Accredit Loans, Inc. caused the issuance and
sale of the Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS11,
pursuant to a Series Supplement, dated as of August 1, 2004, and the Standard
Terms of Pooling and Servicing Agreement, dated as of August 1, 2004, among
Residential Accredit Loans, Inc., as company, Residential Funding Corporation,
as master servicer, and Deutsche Bank Trust Company Americas, as trustee.

Item 9.01 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:

                                                          Sequentially
Exhibit                                                     Numbered
Number                                                    Exhibit Page

10.1 Series  Supplement,  dated as of August 1, 2004,  and the Standard Terms of
     Pooling  and  Servicing  Agreement,  dated  as of  August  1,  2004,  among
     Residential   Accredit  Loans,  Inc.,  as  company,   Residential   Funding
     Corporation,  as master servicer, 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/ Joseph Orning
                                        Name:  Joseph Orning
                                       Title:  Vice President

Dated:  August 30, 2004