
                                     UNITED STATES
                           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):  June 27, 2005
                          (Date of earliest event reported)

                  Accredited Home Lenders, Inc. (as Seller, under the
             Indenture dated as May 1, 2005 providing for the issuance of
                         Accredited Mortgage Loan Trust 2005-2
                (Exact name of Registrant as specified in its Charter)

                                       DELAWARE
                     (State or Other Jurisdiction of Incorporation)

               333-109964-07                             33-0426859
          (Commission File Number)        (I.R.S. Employer Identification No.)


          15090 Avenue of Science
          San Diego, California                         92128
          (Address of principal executive offices)     (Zip Code)


          Registrant's Telephone Number, Including Area Code:  (858) 676-2100

            (Former name or former address, if changed since last report.)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any
of the following provisions (see General Instruction A.2. below):

[  ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)

[  ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act
(17 CFR 240.14a-12(b))

[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR 240.14d-2(b))

[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))


     Item 8.01  Other Events

     Attached hereto is a copy of the Monthly Remittance Statements to the
     Certificateholders which was derived from the monthly information
     submitted by the Master Servicer of the Trust to the Trustee.


     Item 9.01 Financial Statements and Exhibits

     (c) Exhibits:

     Exhibit No. Description

     99.1 Monthly Remittance Statement to the Certificateholders dated as of
     June 27, 2005.

                                    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.


                                  Deutsche Bank National Trust Company,
                                  in its capacity as Indenture Trustee under
                                  the Indenture on behalf of Accredited Home
                                  Lenders, Inc., Registrant


          Date:  Jun 30, 2005               By:  /s/  Katherine M. Wannenmacher
                                            Katherine M. Wannenmacher
                                            Vice President


                                   EXHIBIT INDEX

          DOCUMENT

          99.1 Monthly Remittance Statement to the Certificateholders
          dated as of June 27, 2005.



Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution

				External Parties						Table of Contents

													Page
				Seller									Page
				Seller						1. Certificate Payment Report					2
				Accredited Mortgage Loan						1. Certificate Payment Report					2
				Accredited Mortgage Loan						2. Collection Account Report					4
										2. Collection Account Report					4
										3. Credit Enhancement Report					6
										4. Collateral Report					7
				Certificate Insurer(s)						5. Delinquency Report					10
				Certificate Insurer(s)						5. Delinquency Report					10
										6. REO Report					13

										7. Foreclosure Report					14
										8. Prepayment Report					15
										9. Prepayment Detail Report					18
										9. Prepayment Detail Report					18
										10. Realized Loss Report					19
										11. Realized Loss Detail Report					22
				Servicer(s)						11. Realized Loss Detail Report					22
				Servicer(s)						12. Triggers and Adj. Cert. Report					23
				Accredited Home Lenders						12. Triggers and Adj. Cert. Report					23
				Accredited Home Lenders						13. Other Related Information					24
										13. Other Related Information					24


				Underwriter(s)
				Lehman Brothers


										Total Number of Pages					24
										Total Number of Pages

				Dates						Contacts

				Cut-Off Date:			May 01, 2005			Nicholas Gisler
				Close Date:			May 26, 2005			Administrator
				First Distribution Date:			June 27, 2005			(714) 247-6268
										Nicholas.Gisler@db.com
										Nicholas.Gisler@db.com
										Address:
										1761 East St. Andrew Place, Santa Ana, CA 92705
				Distribution Date:			June 27, 2005
										Factor Information:			(800) 735-7777
				Record Date:			May 31, 2005			Factor Information:			(800) 735-7777
										Main Phone Number:			(714) 247-6000

							June 24, 2005
							June 24, 2005

										https://www.tss.db.com/invr






Page 1 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Certificate Payment Report
Current Period Distribution - REMIC I
					Prior												Current
	Class		Original		Principal						Total		Realized		Deferred		Principal
	Class		Original		Principal						Total		Realized		Deferred		Principal
Class	Type	Cur	Face Value		Balance		Interest		Principal		Distribution		Loss		Interest		Balance


					(1)		(2)		(3)		(4)=(2)+(3)		(5)		(6)		(7)=(1)-(3)-(5)+(6)

A-1	FLT	$	187,263,000.00		187,263,000.00		550,969.36		1,991,530.85		2,542,500.21		0.00		0.00		185,271,469.15
A-1	FLT	$	187,263,000.00		187,263,000.00		550,969.36		1,991,530.85		2,542,500.21		0.00		0.00		185,271,469.15
A-2A	FLT	$	287,445,000.00		287,445,000.00		815,066.27		5,333,201.19		6,148,267.46		0.00		0.00		282,111,798.81
A-2B	FLT	$	294,222,000.00		294,222,000.00		863,051.20		0.00		863,051.20		0.00		0.00		294,222,000.00
A-2C	FLT	$	71,582,000.00		71,582,000.00		218,881.85		0.00		218,881.85		0.00		0.00		71,582,000.00
M-1	MEZ	$	32,250,000.00		32,250,000.00		100,046.67		0.00		100,046.67		0.00		0.00		32,250,000.00
M-2	MEZ	$	28,722,000.00		28,722,000.00		90,123.25		0.00		90,123.25		0.00		0.00		28,722,000.00
M-3	MEZ	$	18,141,000.00		18,141,000.00		57,567.44		0.00		57,567.44		0.00		0.00		18,141,000.00
M-4	MEZ	$	16,629,000.00		16,629,000.00		54,543.12		0.00		54,543.12		0.00		0.00		16,629,000.00
M-5	MEZ	$	15,621,000.00		15,621,000.00		51,653.44		0.00		51,653.44		0.00		0.00		15,621,000.00
M-6	MEZ	$	12,598,000.00		12,598,000.00		42,217.30		0.00		42,217.30		0.00		0.00		12,598,000.00
M-7	MEZ	$	11,085,000.00		11,085,000.00		41,581.07		0.00		41,581.07		0.00		0.00		11,085,000.00
M-8	MEZ	$	8,063,000.00		8,063,000.00		31,105.26		0.00		31,105.26		0.00		0.00		8,063,000.00
M-9	MEZ	$	10,078,000.00		10,078,000.00		42,193.23		0.00		42,193.23		0.00		0.00		10,078,000.00
M-10	MEZ	$	6,047,000.00		6,047,000.00		30,046.87		0.00		30,046.87		0.00		0.00		6,047,000.00
M-11	MEZ	$	8,062,000.00		8,062,000.00		40,059.18		0.00		40,059.18		0.00		0.00		8,062,000.00
TRUST	EXE	$	0.00		0.00		2,142,687.10		0.00		2,142,687.10		0.00		0.00		0.00


Total			1,007,808,000.00		1,007,808,000.00		5,171,792.61		7,324,732.04		12,496,524.65		0.00		0.00		1,000,483,267.96
Total




Interest Accrual Detail Current Period Factor Information per $1,000 of Original Face-
									Orig. Principal		Prior							Current
									Orig. Principal		Prior							Current
	Period		Period						(with Notional)		Principal						Total	Principal
	Period		Period
Class	Starting		Ending		Method		Cusip		Balance		Balance		Interest		Principal		Distribution	Balance

									(1)		(1)		(2)		(3)		(4)=(2)+(3)	(5)
A-1	05/26/05		06/26/05		A-Act/360		004375CZ2		187,263,000.00		1,000.000000		2.942222		10.634940		13.577163	989.365060
A-2A	05/26/05		06/26/05		A-Act/360		004375DA6		287,445,000.00		1,000.000000		2.835556		18.553814		21.389370	981.446186
A-2B	05/26/05		06/26/05		A-Act/360		004375DB4		294,222,000.00		1,000.000000		2.933333		0.000000		2.933333	1,000.000000
A-2C	05/26/05		06/26/05		A-Act/360		004375DC2		71,582,000.00		1,000.000000		3.057778		0.000000		3.057778	1,000.000000
M-1	05/26/05		06/26/05		A-Act/360		004375DD0		32,250,000.00		1,000.000000		3.102222		0.000000		3.102222	1,000.000000
M-2	05/26/05		06/26/05		A-Act/360		004375DE8		28,722,000.00		1,000.000000		3.137778		0.000000		3.137778	1,000.000000
M-3	05/26/05		06/26/05		A-Act/360		004375DF5		18,141,000.00		1,000.000000		3.173333		0.000000		3.173333	1,000.000000
M-4	05/26/05		06/26/05		A-Act/360		004375DG3		16,629,000.00		1,000.000000		3.280000		0.000000		3.280000	1,000.000000
M-5	05/26/05		06/26/05		A-Act/360		004375DH1		15,621,000.00		1,000.000000		3.306667		0.000000		3.306667	1,000.000000
M-6	05/26/05		06/26/05		A-Act/360		004375DJ7		12,598,000.00		1,000.000000		3.351111		0.000000		3.351111	1,000.000000
M-7	05/26/05		06/26/05		A-Act/360		004375DK4		11,085,000.00		1,000.000000		3.751111		0.000000		3.751111	1,000.000000
M-8	05/26/05		06/26/05		A-Act/360		004375DL2		8,063,000.00		1,000.000000		3.857778		0.000000		3.857778	1,000.000000
M-9	05/26/05		06/26/05		A-Act/360		004375DM0		10,078,000.00		1,000.000000		4.186667		0.000000		4.186667	1,000.000000
M-10	05/26/05		06/26/05		A-Act/360		004375DN8		6,047,000.00		1,000.000000		4.968889		0.000000		4.968889	1,000.000000
M-11	05/26/05		06/26/05		A-Act/360		004375DP3		8,062,000.00		1,000.000000		4.968889		0.000000		4.968889	1,000.000000
TRUST	05/01/05		05/30/05		A-30/360		AC0502001		0.00		0.000000		0.000000		0.000000		0.000000	0.000000




Page 2 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution

Distribution to Date - REMIC I
																	Current


	Original				Unscheduled		Scheduled		Total		Total		Realized		Deferred		Principal

Class	Face Value		Interest		Principal		Principal		Principal		Distribution		Loss		Interest		Balance
	(1)		(2)		(3)		(4)		(5)=(3)+(4)		(6)=(2)+(5)		(7)		(8)		(9)=(1)-(5)-(7)+(8)
A-1	187,263,000.00		550,969.36		1,800,503.68		191,027.17		1,991,530.85		2,542,500.21		0.00		0.00		185,271,469.15
A-2A	287,445,000.00		815,066.27		4,821,641.78		511,559.41		5,333,201.19		6,148,267.46		0.00		0.00		282,111,798.81
A-2B	294,222,000.00		863,051.20		0.00		0.00		0.00		863,051.20		0.00		0.00		294,222,000.00
A-2C	71,582,000.00		218,881.85		0.00		0.00		0.00		218,881.85		0.00		0.00		71,582,000.00
M-1	32,250,000.00		100,046.67		0.00		0.00		0.00		100,046.67		0.00		0.00		32,250,000.00
M-2	28,722,000.00		90,123.25		0.00		0.00		0.00		90,123.25		0.00		0.00		28,722,000.00
M-3	18,141,000.00		57,567.44		0.00		0.00		0.00		57,567.44		0.00		0.00		18,141,000.00
M-4	16,629,000.00		54,543.12		0.00		0.00		0.00		54,543.12		0.00		0.00		16,629,000.00
M-5	15,621,000.00		51,653.44		0.00		0.00		0.00		51,653.44		0.00		0.00		15,621,000.00
M-6	12,598,000.00		42,217.30		0.00		0.00		0.00		42,217.30		0.00		0.00		12,598,000.00
M-7	11,085,000.00		41,581.07		0.00		0.00		0.00		41,581.07		0.00		0.00		11,085,000.00
M-8	8,063,000.00		31,105.26		0.00		0.00		0.00		31,105.26		0.00		0.00		8,063,000.00
M-9	10,078,000.00		42,193.23		0.00		0.00		0.00		42,193.23		0.00		0.00		10,078,000.00
M-10	6,047,000.00		30,046.87		0.00		0.00		0.00		30,046.87		0.00		0.00		6,047,000.00
M-11	8,062,000.00		40,059.18		0.00		0.00		0.00		40,059.18		0.00		0.00		8,062,000.00
TRUST	0.00		2,142,687.10		0.00		0.00		0.00		2,142,687.10		0.00		0.00		0.00


Total	1,007,808,000.00		5,171,792.61		6,622,145.46		702,586.58		7,324,732.04		12,496,524.65		0.00		0.00		1,000,483,267.96


Interest Detail - REMIC I
	Pass		Prior Principal				Non-		Prior		Unscheduled				Paid or		Current
	Pass		Prior Principal				Non-		Prior		Unscheduled				Paid or

	Through		(with Notional)		Accrued		Supported		Unpaid		Interest		Optimal		Deferred		Unpaid

Class	Rate		Balance		Interest		Interest SF		Interest		Adjustment		Interest		Interest		Interest
					(1)		(2)		(3)		(4)		(5)=(1)-(2)+(3)+(4)		(6)		(7)=(5)-(6)
A-1	3.31000%		187,263,000.00		550,969.36		0.00		0.00		0.00		550,969.36		550,969.36		0.00
A-2A	3.19000%		287,445,000.00		815,066.27		0.00		0.00		0.00		815,066.27		815,066.27		0.00
A-2B	3.30000%		294,222,000.00		863,051.20		0.00		0.00		0.00		863,051.20		863,051.20		0.00
A-2C	3.44000%		71,582,000.00		218,881.85		0.00		0.00		0.00		218,881.85		218,881.85		0.00
M-1	3.49000%		32,250,000.00		100,046.67		0.00		0.00		0.00		100,046.67		100,046.67		0.00
M-2	3.53000%		28,722,000.00		90,123.25		0.00		0.00		0.00		90,123.25		90,123.25		0.00
M-3	3.57000%		18,141,000.00		57,567.44		0.00		0.00		0.00		57,567.44		57,567.44		0.00
M-4	3.69000%		16,629,000.00		54,543.12		0.00		0.00		0.00		54,543.12		54,543.12		0.00
M-5	3.72000%		15,621,000.00		51,653.44		0.00		0.00		0.00		51,653.44		51,653.44		0.00
M-6	3.77000%		12,598,000.00		42,217.30		0.00		0.00		0.00		42,217.30		42,217.30		0.00
M-7	4.22000%		11,085,000.00		41,581.07		0.00		0.00		0.00		41,581.07		41,581.07		0.00
M-8	4.34000%		8,063,000.00		31,105.26		0.00		0.00		0.00		31,105.26		31,105.26		0.00
M-9	4.71000%		10,078,000.00		42,193.23		0.00		0.00		0.00		42,193.23		42,193.23		0.00
M-10	5.59000%		6,047,000.00		30,046.87		0.00		0.00		0.00		30,046.87		30,046.87		0.00
M-11	5.59000%		8,062,000.00		40,059.18		0.00		0.00		0.00		40,059.18		40,059.18		0.00
TRUST	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		2,142,687.10		0.00


Total			1,007,808,000.00		3,029,105.51		0.00		0.00		0.00		3,029,105.51		5,171,792.61		0.00



Page 3 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
										Group 2		Group 1		Total
Principal Collections										5,333,201.19		1,991,530.85		7,324,732.04
Principal Withdrawals										0.00		0.00		0.00
Principal Other Accounts										0.00		0.00		0.00
TOTAL NET PRINCIPAL										5,333,201.19		1,991,530.85		7,324,732.04
Interest Collections										4,464,541.91		1,283,354.69		5,747,896.61
Interest Withdrawals										-0.00		-0.00		-0.00
Interest Fees										-103,021.18		-30,399.53		-133,420.71
Interest Other Accounts														(442,683.29)
TOTAL NET INTEREST										4,361,520.73		1,252,955.16		5,171,792.61
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION														12,496,524.65



PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
											Group 2		Group 1		Total
Scheduled Principal Received											541,938.67		160,647.91		702,586.58
Curtailments											26,922.70		16,463.54		43,386.24
Prepayments In Full											4,256,339.82		1,814,419.40		6,070,759.22
Repurchased/Substitutions											0.00		0.00		0.00
Liquidations											508,000.00		0.00		508,000.00
Insurance Principal											0.00		0.00		0.00
Other Additional Principal											0.00		0.00		0.00
Delinquent Principal											-370,216.35		-110,585.43		-480,801.78
Realized Losses											-0.00		-0.00		-0.00
Advanced Principal											370,216.35		110,585.43		480,801.78
TOTAL PRINCIPAL COLLECTED											5,333,201.19		1,991,530.85		7,324,732.04


PRINCIPAL - WITHDRAWALS

SPACE INTENTIONALLY LEFT BLANK



PRINCIPAL - OTHER ACCOUNTS
PRINCIPAL - OTHER ACCOUNTS
										Group 2		Group 1		Total
TOTAL PRINCIPAL OTHER ACCOUNTS										0.00		0.00		0.00





Page 4 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution

INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
										Group 2		Group 1		Total
Scheduled Interest										4,686,327.82		1,346,886.20		6,033,214.02
Repurchased/Substitution Interest										0.00		0.00		0.00
Liquidation Interest										2,861.90		0.00		2,861.90
Insurance Interest										0.00		0.00		0.00
Other Additional Interest										0.00		0.00		0.00
Prepayment Interest Shortfalls										-2,189.17		-1,325.30		-3,514.47
Delinquent Interest										-3,244,026.04		-914,782.52		-4,158,808.56
Compensating Interest										2,189.18		1,325.30		3,514.47
Civil Relief Act Shortfalls										-0.00		-0.00		-0.00
Interest Advanced										3,019,378.23		851,251.01		3,870,629.24
TOTAL INTEREST COLLECTED										4,464,541.91		1,283,354.69		5,747,896.61


INTEREST - WITHDRAWALS
INTEREST - WITHDRAWALS
										Group 2		Group 1		Total
Non-Recoverable Advances										0.00		0.00		0.00
Reimbursements to Master Servicer										0.00		0.00		0.00
TOTAL INTEREST WITHDRAWALS										0.00		0.00		0.00



INTEREST - OTHER ACCOUNTS
INTEREST - OTHER ACCOUNTS
										Group 2		Group 1		Total
Prepayment Charges														144,365.35
Net Swap Payment														(587,048.64)
TOTAL INTEREST OTHER ACCOUNTS														(442,683.29)



INTEREST - FEES

										Group 2		Group 1		Total
Current Servicing Fees										101,715.73		30,025.31		131,741.03
Tax Fees														0.00
Trustee Fees										1,305.45		374.23		1,679.68
TOTAL INTEREST FEES										103,021.18		30,399.53		133,420.71




Page 5 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Credit Enhancement Report
ACCOUNTS
ACCOUNTS
										Group 2		Group 1		Total
Basis Risk CarryOver Deposit														0.00
Basis Risk CarryOver Amount Paid														0.00



INSURANCE

SPACE INTENTIONALLY LEFT BLANK



STRUCTURAL FEATURES
STRUCTURAL FEATURES
										Group 2		Group 1		Total
Overcollateralized Amount														827.51
Overcollateralization Reduction Amount														0.00
Overcollateralization Deficiency Amount														0.00
Overcollateralization Target Amount														12,093,696.00




Page 6 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Collateral Report


COLLATERAL



											Group 2		Group 1		Total



Loan Count:


Original										4,363		1,635		5,998
Prior										4,363		1,635		5,998
Prefunding										0		0		0
Scheduled Paid Offs										-0		-0		-0
Full Voluntary Prepayments										-24		-9		-33
Repurchases										-0		-0		-0
Liquidations										-2		-0		-2
Current										4,337		1,626		5,963
Principal Balance:


Original										783,272,476.25		224,536,351.26		1,007,808,827.51
Prior										783,272,476.25		224,536,351.26		1,007,808,827.51
Prefunding										0.00		0.00		0.00
Scheduled Principal										-541,938.67		-160,647.91		-702,586.58
Partial Prepayments										-26,922.70		-16,463.54		-43,386.24
Full Voluntary Prepayments										-4,256,339.82		-1,814,419.40		-6,070,759.22
Repurchases										-0.00		-0.00		-0.00
Liquidations										-508,000.00		-0.00		-508,000.00
Current										777,939,275.06		222,544,820.41		1,000,484,095.47





PREFUNDING

SPACE INTENTIONALLY LEFT BLANK






Page 7 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Coupon Original										7.18400%		7.19822%		7.18717%
Weighted Average Coupon Prior										7.18400%		7.19822%		7.18717%
Weighted Average Coupon Current										7.18400%		7.19822%		7.18717%
Weighted Average Months to Maturity Original										352		351		352
Weighted Average Months to Maturity Prior										352		351		352
Weighted Average Months to Maturity Current										352		351		352
Weighted Avg Remaining Amortization Term Original										352		351		352
Weighted Avg Remaining Amortization Term Prior										352		351		352
Weighted Avg Remaining Amortization Term Current										352		351		352
Weighted Average Seasoning Original										1.98		2.01		1.98
Weighted Average Seasoning Prior										1.98		2.01		1.98
Weighted Average Seasoning Current										1.98		2.01		1.98









Page 8 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution

ARM CHARACTERISTICS
ARM CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Margin Original										5.77715%		5.70308%		5.75893%
Weighted Average Margin Prior										5.77715%		5.70308%		5.75893%
Weighted Average Margin Current										5.77715%		5.70308%		5.75893%
Weighted Average Max Rate Original										14.25165%		14.18550%		14.23538%
Weighted Average Max Rate Prior										14.25165%		14.18550%		14.23538%
Weighted Average Max Rate Current										14.25165%		14.18550%		14.23538%
Weighted Average Min Rate Original										7.25491%		7.19084%		7.23915%
Weighted Average Min Rate Prior										7.25491%		7.19084%		7.23915%
Weighted Average Min Rate Current										7.25491%		7.19084%		7.23915%
Weighted Average Cap Up Original										1.49607%		1.49528%		1.49588%
Weighted Average Cap Up Prior										1.49607%		1.49528%		1.49588%
Weighted Average Cap Up Current										1.49607%		1.49528%		1.49588%
Weighted Average Cap Down Original										1.49607%		1.49528%		1.49588%
Weighted Average Cap Down Prior										1.49607%		1.49528%		1.49588%
Weighted Average Cap Down Current										1.49607%		1.49528%		1.49588%




SERVICING FEES & ADVANCES

											Group 2		Group 1		Total




Current Servicing Fees										101,715.73		30,025.31		131,741.03
Delinquent Servicing Fees										224,647.81		63,531.50		288,179.31
TOTAL SERVICING FEES										326,363.54		93,556.82		419,920.36


Total Servicing Fees										326,363.54		93,556.82		419,920.36
Compensating Interest										-2,189.18		-1,325.30		-3,514.47
Delinquent Servicing Fees										-224,647.81		-63,531.50		-288,179.31
COLLECTED SERVICING FEES										99,526.56		28,700.01		128,226.56


Total Advanced Interest										3,019,378.23		851,251.01		3,870,629.24
Total Advanced Principal										370,216.35		110,585.43		480,801.78
Aggregate Advances with respect to this Distribution										3,389,594.59		961,836.44		4,351,431.03





ADDITIONAL COLLATERAL INFORMATION
										Group 2		Group 1		Total
Prepayment Interest Shortfall (PPIS)										2,189.17		1,325.30		3,514.47
Compensating Interest										-2,189.18		-1,325.30		-3,514.47
Net Prepayment Interest Shortfall (PPIS)										0.00		0.00		0.00

Ending Pool Stated Principal Balance										777,939,275.06		222,544,820.41		1,000,484,095.47
Weighted Average Net Mortgage Rate										6.681998%		6.696226%		6.685168%




Page 9 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				227,533.76		0.00		0.00		227,533.76
			% Balance				0.02%		0.00%		0.00%		0.02%
			# Loans				1		0		0		1
			% # Loans				0.02%		0.00%		0.00%		0.02%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00		227,533.76		0.00		0.00		227,533.76
			% Balance		0.00%		0.02%		0.00%		0.00%		0.02%
			# Loans		0		1		0		0		1
			% # Loans		0.00%		0.02%		0.00%		0.00%		0.02%









Page 10 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution


	GROUP 1
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				0.00		0.00		0.00		0.00
			% Balance				0.00%		0.00%		0.00%		0.00%
			# Loans				0		0		0		0
			% # Loans				0.00%		0.00%		0.00%		0.00%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%










Page 11 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution

	GROUP 2
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				227,533.76		0.00		0.00		227,533.76
			% Balance				0.03%		0.00%		0.00%		0.03%
			# Loans				1		0		0		1
			% # Loans				0.02%		0.00%		0.00%		0.02%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00		227,533.76		0.00		0.00		227,533.76
			% Balance		0.00%		0.03%		0.00%		0.00%		0.03%
			# Loans		0		1		0		0		1
			% # Loans		0.00%		0.02%		0.00%		0.00%		0.02%









Page 12 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
REO Report
Loan Number			Original		Stated				Current		State &

														First
&			Principal		Principal		Paid to		Note		LTV at		Original		Payment

Loan Group			Balance		Balance		Date		Rate		Origination		Term		Date




TOTAL



Page 13 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Foreclosure Report
Loan Number			Original		Stated				Current		State &

														First
&			Principal		Principal		Paid to		Note		LTV at		Original		Payment

Loan Group			Balance		Balance		Date		Rate		Origination		Term		Date




TOTAL



Page 14 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

											Group 2		Group 1		Total




Current


Number of Paid in Full Loans										24		9		33
Number of Repurchased Loans										0		0		0
Total Number of Loans Prepaid in Full										24		9		33
Curtailments Amount										26,922.70		16,463.54		43,386.24
Paid in Full Balance										4,256,339.82		1,814,419.40		6,070,759.22
Repurchased Loans Balance										0.00		0.00		0.00
Total Prepayment Amount										4,283,262.52		1,830,882.94		6,114,145.46

Cumulative


Number of Paid in Full Loans										24		9		33
Number of Repurchased Loans										0		0		0
Total Number of Loans Prepaid in Full										24		9		33
Paid in Full Balance										4,256,339.82		1,814,419.40		6,070,759.22
Repurchased Loans Balance										0.00		0.00		0.00
Curtailments Amount										26,922.70		16,463.54		43,386.24
Total Prepayment Amount										4,283,262.52		1,830,882.94		6,114,145.46










Page 15 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

											Group 2		Group 1		Total



SMM										0.61%		0.82%		0.66%
3 Months Avg SMM										0.61%		0.82%		0.66%
12 Months Avg SMM										0.61%		0.82%		0.66%
Avg SMM Since Cut-off										0.61%		0.82%		0.66%


CPR										7.10%		9.36%		7.61%
3 Months Avg CPR										7.10%		9.36%		7.61%
12 Months Avg CPR										7.10%		9.36%		7.61%
Avg CPR Since Cut-off										7.10%		9.36%		7.61%


PSA										1,798.02%		2,333.48%		1,919.89%
3 Months Avg PSA Approximation										1,798.01%		2,333.48%		1,919.89%
12 Months Avg PSA Approximation										1,798.01%		2,333.48%		1,919.89%
Avg PSA Since Cut-off Approximation										1,798.01%		2,333.48%		1,919.89%










Page 16 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution






PREPAYMENT CALCULATION METHODOLOGY

Single Monthly Mortality (SMM): (Voluntary partial and full prepayments + Repurchases + Liquidations )/(Beg Principal Balance - Sched Principal) Conditional Prepayment Rate (CPR): 1-((1-SMM)^12) PSA Standard Prepayment Model: CPR/(0.002min(30,WAS)) Average SMM over period between nth month and mth month (AvgSMMn,m): [(1-SMMn)(1-SMMn+1)...(1-SMMm)]^(1/months in period n,m) Conditional Prepayment Rate (CPR): 1-((1-SMM)^12) Average PSA Approximation over period between the nth month and mth month: AvgCPRn,m/(0.002*Avg WASn,m)) Average WASn,m: (min(30,WASn)+min(30,WASn+1)+...+min(30,WASm)/(number of months in the period n,m) Weighted Average Seasoning (WAS) Dates correspond to distribution dates. Note: Prepayment rates are calculated since deal issue date and include partial and full voluntary prepayments, liquidations, and repurchases.













Page 17 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Prepayment Detail Report
Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution
Loan Number			Original							Current		State &		Type Prepayment		First
Loan Number			Original							Current		State &		Type Prepayment

&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment

Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date

501261694 1			213,750.00		213,148.36			02-Jun-2005		6.599%		MO - 89.44%		Paid Off - 360		01-Mar-2005
			213,750.00

501272280 1			112,000.00		111,823.34			07-Jun-2005		7.500%		FL - 80.00%		Paid Off - 360		01-Apr-2005
501272280 1					111,823.34			07-Jun-2005		7.500%		FL - 80.00%		Paid Off - 360		01-Apr-2005
501284225 2			244,000.00		244,000.00			18-May-2005		6.625%		NV - 80.00%		Paid Off - 360		01-Apr-2005
501284225 2					244,000.00			18-May-2005		6.625%		NV - 80.00%		Paid Off - 360		01-Apr-2005
502029565 2			169,500.00		169,298.09			31-May-2005		8.600%		MN - 79.95%		Paid Off - 360		01-Apr-2005
502029565 2					169,298.09			31-May-2005		8.600%		MN - 79.95%		Paid Off - 360		01-Apr-2005
502030788 2			187,000.00		186,909.94			03-Jun-2005		9.600%		MD - 79.57%		Paid Off - 360		01-May-2005
502030788 2					186,909.94			03-Jun-2005		9.600%		MD - 79.57%		Paid Off - 360		01-May-2005
502031289 1			78,400.00		78,280.31			10-Jun-2005		7.375%		TX - 80.00%		Paid Off - 360		01-Apr-2005
502031289 1					78,280.31			10-Jun-2005		7.375%		TX - 80.00%		Paid Off - 360		01-Apr-2005
502042290 2			153,000.00		152,772.19			01-Jun-2005		7.500%		AZ - 63.22%		Paid Off - 360		01-Apr-2005
502042290 2					152,772.19			01-Jun-2005		7.500%		AZ - 63.22%		Paid Off - 360		01-Apr-2005
502043170 2			160,800.00		160,558.17			19-May-2005		7.450%		CA - 79.60%		Paid Off - 360		01-Apr-2005
502043170 2					160,558.17			19-May-2005		7.450%		CA - 79.60%		Paid Off - 360		01-Apr-2005
502043264 2			113,400.00		113,235.32			09-Jun-2005		7.625%		WA - 90.00%		Paid Off - 360		01-Apr-2005
					113,235.32			09-Jun-2005		7.625%		WA - 90.00%		Paid Off - 360		01-Apr-2005
502100411 2			195,000.00		194,674.75			03-Jun-2005		6.990%		NV - 75.00%		Paid Off - 360		01-Apr-2005
502100411 2					194,674.75			03-Jun-2005		6.990%		NV - 75.00%		Paid Off - 360		01-Apr-2005
502109257 2			64,000.00		63,938.42			09-Jun-2005		9.625%		MI - 80.00%		Paid Off - 360		01-Apr-2005
502109257 2					63,938.42			09-Jun-2005		9.625%		MI - 80.00%		Paid Off - 360		01-Apr-2005
502111816 2			123,750.00		123,614.29			27-May-2005		9.000%		ME - 75.00%		Paid Off - 360		01-Apr-2005
502111816 2					123,614.29			27-May-2005		9.000%		ME - 75.00%		Paid Off - 360		01-Apr-2005
502166994 2			78,300.00		78,185.72			02-Jun-2005		7.600%		FL - 90.00%		Paid Off - 360		01-Apr-2005
502166994 2					78,185.72			02-Jun-2005		7.600%		FL - 90.00%		Paid Off - 360		01-Apr-2005
502167861 1			175,000.00		174,856.27			27-May-2005		6.990%		WA - 85.37%		Paid Off - 360		01-May-2005
502167861 1					174,856.27			27-May-2005		6.990%		WA - 85.37%		Paid Off - 360		01-May-2005
502178345 2			123,936.00		123,737.19			18-May-2005		7.125%		FL - 80.00%		Paid Off - 360		01-Apr-2005
502178345 2					123,737.19			18-May-2005		7.125%		FL - 80.00%		Paid Off - 360		01-Apr-2005
502179044 1			242,250.00		241,906.93			02-Jun-2005		7.750%		MA - 85.00%		Paid Off - 360		01-Apr-2005
502179044 1					241,906.93			02-Jun-2005		7.750%		MA - 85.00%		Paid Off - 360		01-Apr-2005
502179581 2			161,100.00		160,882.64			31-May-2005		7.990%		NM - 90.00%		Paid Off - 360		01-Apr-2005
502179581 2					160,882.64			31-May-2005		7.990%		NM - 90.00%		Paid Off - 360		01-Apr-2005
502180725 2			288,000.00		288,000.00			06-Jun-2005		7.490%		CA - 80.00%		Paid Off - 360		01-May-2005
502180725 2					288,000.00			06-Jun-2005		7.490%		CA - 80.00%		Paid Off - 360		01-May-2005
502233931 2			234,829.00		234,713.49			23-May-2005		9.500%		FL - 70.00%		Paid Off - 360		01-May-2005
502233931 2					234,713.49			23-May-2005		9.500%		FL - 70.00%		Paid Off - 360		01-May-2005
502234167 2			86,385.00		86,295.07			03-Jun-2005		9.250%		GA - 65.00%		Paid Off - 360		01-Apr-2005
502234167 2					86,295.07			03-Jun-2005		9.250%		GA - 65.00%		Paid Off - 360		01-Apr-2005
502258026 2			336,000.00		335,744.33			10-Jun-2005		7.375%		MA - 80.00%		Paid Off - 360		01-May-2005
502258026 2					335,744.33			10-Jun-2005		7.375%		MA - 80.00%		Paid Off - 360		01-May-2005
503010699 2			85,500.00		85,435.90			24-May-2005		7.450%		MD - 90.00%		Paid Off - 360		01-May-2005
503010699 2					85,435.90			24-May-2005		7.450%		MD - 90.00%		Paid Off - 360		01-May-2005
503011729 1			84,200.00		84,130.85			06-Jun-2005		6.990%		CT - 70.76%		Paid Off - 360		01-May-2005
503011729 1					84,130.85			06-Jun-2005		6.990%		CT - 70.76%		Paid Off - 360		01-May-2005
503046645 2			225,000.00		224,860.14			06-Jun-2005		8.375%		AZ - 75.00%		Paid Off - 360		01-May-2005
503046645 2					224,860.14			06-Jun-2005		8.375%		AZ - 75.00%		Paid Off - 360		01-May-2005
503103552 2			340,000.00		339,760.27			08-Jun-2005		7.755%		MD - 81.93%		Paid Off - 360		01-May-2005
503103552 2					339,760.27			08-Jun-2005		7.755%		MD - 81.93%		Paid Off - 360		01-May-2005
503104710 2			50,000.00		49,968.11			03-Jun-2005		8.250%		NM - 71.43%		Paid Off - 360		01-May-2005
503104710 2					49,968.11			03-Jun-2005		8.250%		NM - 71.43%		Paid Off - 360		01-May-2005
503115577 1			292,000.00		291,730.85			20-May-2005		6.400%		CA - 80.00%		Paid Off - 360		01-May-2005
503115577 1					291,730.85			20-May-2005		6.400%		CA - 80.00%		Paid Off - 360		01-May-2005
503216369 2			284,000.00		283,802.56			08-Jun-2005		7.825%		WI - 80.00%		Paid Off - 360		01-May-2005
503216369 2					283,802.56			08-Jun-2005		7.825%		WI - 80.00%		Paid Off - 360		01-May-2005
503220287 2			50,000.00		49,953.23			20-May-2005		6.325%		CA - 62.50%		Paid Off - 360		01-May-2005
503220287 2					49,953.23			20-May-2005		6.325%		CA - 62.50%		Paid Off - 360		01-May-2005
503243466 2			250,000.00		250,000.00			27-May-2005		7.375%		RI - 72.46%		Paid Off - 360		01-Jun-2005
503243466 2					250,000.00			27-May-2005		7.375%		RI - 72.46%		Paid Off - 360		01-Jun-2005
503297840 1			300,000.00		299,792.49			20-May-2005		7.850%		IL - 80.00%		Paid Off - 360		01-May-2005
503297840 1					299,792.49			20-May-2005		7.850%		IL - 80.00%		Paid Off - 360		01-May-2005
504180215 1			318,750.00		318,750.00			03-Jun-2005		6.990%		WA - 85.00%		Paid Off - 360		01-Jun-2005
504180215 1					318,750.00			03-Jun-2005		6.990%		WA - 85.00%		Paid Off - 360		01-Jun-2005
504226705 2			256,000.00		256,000.00			02-Jun-2005		6.500%		MO - 74.20%		Paid Off - 360		01-Jun-2005
504226705 2					256,000.00			02-Jun-2005		6.500%		MO - 74.20%		Paid Off - 360		01-Jun-2005


TOTAL			6,075,850.00		6,070,759.22
TOTAL


Page 18 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Realized Loss Report

COLLATERAL REALIZED LOSSES



											Group 2		Group 1		Total


Current
Current



Number of Loans Liquidated										2		0		2
Collateral Principal Realized Loss/(Gain) Amount										0.00		0.00		0.00
Collateral Interest Realized Loss/(Gain) Amount										0.00		0.00		0.00
Net Liquidation Proceeds										508,000.00		0.00		508,000.00

Cumulative
Cumulative



Number of Loans Liquidated										2		0		2
Collateral Realized Loss/(Gain) Amount										0.00		0.00		0.00
Net Liquidation Proceeds										508,000.00		0.00		508,000.00










Page 19 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution


DEFAULT SPEEDS



											Group 2		Group 1		Total



MDR										0.06%		0.00%		0.05%
3 Months Avg MDR										0.06%		0.00%		0.05%
12 Months Avg MDR										0.06%		0.00%		0.05%
Avg MDR Since Cut-off										0.06%		0.00%		0.05%


CDR										0.78%		0.00%		0.60%
3 Months Avg CDR										0.78%		0.00%		0.60%
12 Months Avg CDR										0.78%		0.00%		0.60%
Avg CDR Since Cut-off										0.78%		0.00%		0.60%


SDA										19.63%		0.00%		15.22%
3 Months Avg SDA Approximation										19.63%		0.00%		15.22%
12 Months Avg SDA Approximation										19.63%		0.00%		15.22%
Avg SDA Since Cut-off Approximation										19.63%		0.00%		15.22%


Loss Severity Approximation for Current Period										0.00%		0.00%		0.00%
3 Months Avg Loss Severity Approximation										0.00%		0.00%		0.00%
12 Months Avg Loss Severity Approximation										0.00%		0.00%		0.00%
Avg Loss Severity Approximation Since Cut-off										0.00%		0.00%		0.00%












Page 20 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution





COLLATERAL REALIZED LOSS CALCULATION METHODOLOGY
	Monthly Default Rate (MDR): (Beg Principal Balance of Liquidated Loans)/(Total Beg Principal Balance)



	Conditional Default Rate (CDR): 1-((1-MDR)^12)

	SDA Standard Default Assumption: CDR/IF(WAS<61,MIN(30,WAS)0.02,MAX(0.03,MIN(30,WAS)0.02-0.0095*(WAS-60)))

	Average MDR over period between nth month and mth month (AvgMDRn,m): [(1-MDRn)(1-MDRn+1)...*(1-MDRm)]^(1/months in period n,m)
	Average CDR over period between the nth month and mth month (AvgCDRn,m): 1-((1-AvgMDRn,m)^12)

	Average SDA Approximation over period between the nth month and mth month:
	AvgCDRn,m/IF(Avg WASn,m<61,MIN(30,Avg WASn,m)0.02,MAX(0.03,MIN(30,Avg WASn,m)0.02-0.0095*(Avg WASn,m-60)))

	Average WASn,m: (WASn + WASn+1 +...+ WASm )/(number of months in the period n,m)
	Loss Severity Approximation for current period: sum(Realized Loss Amount)/sum(Beg Principal Balance of Liquidated Loans)

	Average Loss Severity Approximation over period between nth month and mth month: Avg(Loss Severityn,m)

	Note: Default rates are calculated since deal issue date and include realized gains and additional realized losses and gains from prior periods.
	Dates correspond to distribution dates.




Page 21 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Realized Loss Detail Report
Loan Number			Current		State &				Prior		Realized				Cumulative
															Cumulative
&		Loan	Note		LTV at		Original		Principal		Loss/(Gain)		Realized		Realized

Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)
Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)
502179019 2
502179019 2			6.990%		CA - 80.00%		360		292,000.00				0.00		0.00

504123287 2			6.450%		CA - 80.00%		360		216,000.00				0.00		0.00


TOTAL									508,000.00			0.00		0.00



Page 22 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Triggers and Adj. Cert. Report
TRIGGER EVENTS
TRIGGER EVENTS
										Group 2		Group 1		Total
						Has the Stepdown Date Occurred? (0=No,1=Yes)								0

						Does the Group I Seq. Trigger Event Exist?

						Does the Trigger Event Exist? (0=No,1=Yes)								0

						A Trigger Event Exists if either (i) or (ii) are true

						(i) The quotient of ( (1)/(2) > (3) )
						(1) 60+ Day Rolling Delinquency Balance								0.00
						(2) Stated Principal Balance								1,000,484,095.47
						60+ Day Delinquency % ( (1)/(2) )								0.000000%
						(3) 37% of Senior Enhancement %								6.972023%

						(ii) The quotient of ( (4)/(5) > (6))
						(4) Aggregate Cumulative Realized Loss								0.00
						(5) Cutoff Date Pool Principal Balance								1,007,808,827.51
						Trigger Event Loss % ( (4)/(5) )								0.000000%
						(6) Applicable Loss %								0.000000%


ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK



ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 2		Group 1		Total
Current LIBOR Rate														3.090000%
Next LIBOR Rate														3.314380%




Page 23 of 24
Accredited Mortgage Loan Trust 2005-2

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-2

June 27, 2005 Distribution
Other Related Information
ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 2		Group 1		Total
Current Scheduled Payments														6,735,800.60
Current Scheduled Payments 1 Month Prior														0.00
Current Scheduled Payments 2 Month Prior														0.00
Current Scheduled Payments 3 Month Prior														0.00
Current Scheduled Payments 4 Month Prior														0.00
Current Scheduled Payments 5 Month Prior														0.00
Current Scheduled Payments 6 Month Prior														0.00
Current Scheduled Payments 7 Month Prior														0.00
Current Scheduled Payments 8 Month Prior														0.00
Current Scheduled Payments 9 Month Prior														0.00
Current Scheduled Payments 10 Month Prior														0.00
Current Scheduled Payments 11 Month Prior														0.00

Delinquent 60+ Scheduled Payments														0.00
Delinq. 60+ Sched. Pmnts, 1 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 2 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 3 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 4 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 5 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 6 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 7 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 8 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 9 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 10 Month Prior														0.00
Delinq. 60+ Sched. Pmnts, 11 Month Prior														0.00




Page 24 of 24

Accredited Mortgage Loan Trust 2005-2 8-K