
                                     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):  October 25, 2005
                          (Date of earliest event reported)

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

                                       DELAWARE
                     (State or Other Jurisdiction of Incorporation)

               333-109964-06                             33-0426859
          (Commission File Number)        (I.R.S. Employer Identification No.)


          15030 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
     October 25, 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:  Oct 28, 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 October 25, 2005.



Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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					22
										11. Realized Loss Detail Report					25
				Servicer(s)						11. Realized Loss Detail Report					25
				Servicer(s)						12. Triggers and Adj. Cert. Report					26
				Accredited Home Lenders						12. Triggers and Adj. Cert. Report					26
				Accredited Home Lenders						13. Other Related Information					27
										13. Other Related Information					27


				Underwriter(s)
				CS First Boston


										Total Number of Pages					27
										Total Number of Pages

				Dates						Contacts

				Cut-Off Date:			February 01, 2005			Eiko Akiyama
				Close Date:			February 24, 2005			Administrator
				First Distribution Date:			March 25, 2005			(714) 247-6328

										Address:
										1761 East St. Andrew Place, Santa Ana, CA 92514
				Distribution Date:			October 25, 2005
										Factor Information:			(800) 735-7777
				Record Date:			September 30, 2005			Factor Information:			(800) 735-7777
										Main Phone Number:			(714) 247-6000

							October 24, 2005
							October 24, 2005

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






Page 1 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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-1A	FLT	$	300,820,000.00		256,611,658.66		839,262.69		11,608,050.95		12,447,313.64		0.00		0.00		245,003,607.71
A-1A	FLT	$	300,820,000.00		256,611,658.66		839,262.69		11,608,050.95		12,447,313.64		0.00		0.00		245,003,607.71
A-1B	FLT	$	75,200,000.00		64,148,649.46		212,385.49		2,901,819.80		3,114,205.29		0.00		0.00		61,246,829.66
A-2A	FLT	$	152,760,000.00		90,200,550.22		285,559.91		12,775,250.81		13,060,810.72		0.00		0.00		77,425,299.41
A-2B	FLT	$	147,400,000.00		147,400,000.00		479,705.11		0.00		479,705.11		0.00		0.00		147,400,000.00
A-2C	FLT	$	77,320,000.00		77,320,000.00		260,353.62		0.00		260,353.62		0.00		0.00		77,320,000.00
M-1	MEZ	$	55,030,000.00		55,030,000.00		190,617.81		0.00		190,617.81		0.00		0.00		55,030,000.00
M-2	MEZ	$	30,730,000.00		30,730,000.00		111,891.34		0.00		111,891.34		0.00		0.00		30,730,000.00
M-3	MEZ	$	12,840,000.00		12,840,000.00		47,062.17		0.00		47,062.17		0.00		0.00		12,840,000.00
M-4	MEZ	$	12,380,000.00		12,380,000.00		45,874.78		0.00		45,874.78		0.00		0.00		12,380,000.00
M-5	MEZ	$	29,350,000.00		29,350,000.00		142,567.63		0.00		142,567.63		0.00		0.00		29,350,000.00
M-6	MEZ	$	9,630,000.00		9,630,000.00		49,104.98		0.00		49,104.98		0.00		0.00		9,630,000.00
TRUST	EXE	$	0.00		0.00		2,257,198.48		0.00		2,257,198.48		0.00		0.00		0.00



Total			903,460,000.00		785,640,858.34		4,921,584.01		27,285,121.56		32,206,705.57		0.00		0.00		758,355,736.78
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-1A	09/26/05		10/24/05		A-Act/360		004375CN9		300,820,000.00		853.040551		2.789917		38.588029		41.377946	814.452522
A-1B	09/26/05		10/24/05		A-Act/360		004375CP4		75,200,000.00		853.040551		2.824275		38.588029		41.412304	814.452522
A-2A	09/26/05		10/24/05		A-Act/360		004375CQ2		152,760,000.00		590.472311		1.869337		83.629555		85.498892	506.842756
A-2B	09/26/05		10/24/05		A-Act/360		004375CR0		147,400,000.00		1,000.000000		3.254444		0.000000		3.254444	1,000.000000
A-2C	09/26/05		10/24/05		A-Act/360		004375CS8		77,320,000.00		1,000.000000		3.367222		0.000000		3.367222	1,000.000000
M-1	09/26/05		10/24/05		A-Act/360		004375CT6		55,030,000.00		1,000.000000		3.463889		0.000000		3.463889	1,000.000000
M-2	09/26/05		10/24/05		A-Act/360		004375CU3		30,730,000.00		1,000.000000		3.641111		0.000000		3.641111	1,000.000000
M-3	09/26/05		10/24/05		A-Act/360		004375CV1		12,840,000.00		1,000.000000		3.665278		0.000000		3.665278	1,000.000000
M-4	09/26/05		10/24/05		A-Act/360		004375CW9		12,380,000.00		1,000.000000		3.705556		0.000000		3.705556	1,000.000000
M-5	09/26/05		10/24/05		A-Act/360		004375CX7		29,350,000.00		1,000.000000		4.857500		0.000000		4.857500	1,000.000000
M-6	09/26/05		10/24/05		A-Act/360		004375CY5		9,630,000.00		1,000.000000		5.099167		0.000000		5.099167	1,000.000000
TRUST	09/25/05		10/24/05		A-30/360		AC0501101		0.00		0.000000		0.000000		0.000000		0.000000	0.000000





Page 2 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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-1A	300,820,000.00		6,595,102.77		53,664,815.24		2,151,577.05		55,816,392.29		62,411,495.06		0.00		0.00		245,003,607.71
A-1B	75,200,000.00		1,672,633.68		13,415,311.84		537,858.50		13,953,170.34		15,625,804.02		0.00		0.00		61,246,829.66
A-2A	152,760,000.00		2,817,793.43		72,539,410.60		2,795,289.99		75,334,700.59		78,152,494.02		0.00		0.00		77,425,299.41
A-2B	147,400,000.00		3,421,246.70		0.00		0.00		0.00		3,421,246.70		0.00		0.00		147,400,000.00
A-2C	77,320,000.00		1,867,713.22		0.00		0.00		0.00		1,867,713.22		0.00		0.00		77,320,000.00
M-1	55,030,000.00		1,373,858.56		0.00		0.00		0.00		1,373,858.56		0.00		0.00		55,030,000.00
M-2	30,730,000.00		812,827.82		0.00		0.00		0.00		812,827.82		0.00		0.00		30,730,000.00
M-3	12,840,000.00		342,226.18		0.00		0.00		0.00		342,226.18		0.00		0.00		12,840,000.00
M-4	12,380,000.00		334,144.00		0.00		0.00		0.00		334,144.00		0.00		0.00		12,380,000.00
M-5	29,350,000.00		1,075,475.84		0.00		0.00		0.00		1,075,475.84		0.00		0.00		29,350,000.00
M-6	9,630,000.00		372,374.09		0.00		0.00		0.00		372,374.09		0.00		0.00		9,630,000.00
TRUST	0.00		16,665,395.54		0.00		0.00		0.00		16,665,395.54		0.00		0.00		0.00



Total	903,460,000.00		37,350,791.83		139,619,537.68		5,484,725.54		145,104,263.22		182,455,055.05		0.00		0.00		758,355,736.78


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-1A	4.06000%		256,611,658.66		839,262.69		0.00		0.00		0.00		839,262.69		839,262.69		0.00
A-1B	4.11000%		64,148,649.46		212,385.49		0.00		0.00		0.00		212,385.49		212,385.49		0.00
A-2A	3.93000%		90,200,550.22		285,559.91		0.00		0.00		0.00		285,559.91		285,559.91		0.00
A-2B	4.04000%		147,400,000.00		479,705.11		0.00		0.00		0.00		479,705.11		479,705.11		0.00
A-2C	4.18000%		77,320,000.00		260,353.62		0.00		0.00		0.00		260,353.62		260,353.62		0.00
M-1	4.30000%		55,030,000.00		190,617.81		0.00		0.00		0.00		190,617.81		190,617.81		0.00
M-2	4.52000%		30,730,000.00		111,891.34		0.00		0.00		0.00		111,891.34		111,891.34		0.00
M-3	4.55000%		12,840,000.00		47,062.17		0.00		0.00		0.00		47,062.17		47,062.17		0.00
M-4	4.60000%		12,380,000.00		45,874.78		0.00		0.00		0.00		45,874.78		45,874.78		0.00
M-5	6.03000%		29,350,000.00		142,567.63		0.00		0.00		0.00		142,567.63		142,567.63		0.00
M-6	6.33000%		9,630,000.00		49,104.98		0.00		0.00		0.00		49,104.98		49,104.98		0.00
TRUST	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		2,257,198.48		0.00



Total			785,640,858.34		2,664,385.53		0.00		0.00		0.00		2,664,385.53		4,921,584.01		0.00



Page 3 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
										Group 2		Group 1		Total
Principal Collections										12,775,250.81		14,509,870.75		27,285,121.56
Principal Withdrawals										0.00		0.00		0.00
Principal Other Accounts										0.00		0.00		0.00
TOTAL NET PRINCIPAL										12,775,250.81		14,509,870.75		27,285,121.56
Interest Collections										2,163,847.87		2,183,359.71		4,347,207.58
Interest Withdrawals										-0.00		-0.00		-0.00
Interest Fees										-27,424.12		-29,815.89		-57,240.01
Interest Other Accounts														631,616.44
TOTAL NET INTEREST										2,145,241.36		2,162,255.99		4,921,584.01
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION														32,206,705.57



PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
											Group 2		Group 1		Total
Scheduled Principal Received											325,201.70		314,070.26		639,271.96
Curtailments											14,655.60		28,590.58		43,246.18
Prepayments In Full											12,435,393.51		14,167,209.91		26,602,603.42
Repurchased/Substitutions											0.00		0.00		0.00
Liquidations											0.00		0.00		0.00
Insurance Principal											0.00		0.00		0.00
Other Additional Principal											0.00		0.00		0.00
Delinquent Principal											-281,048.07		-266,756.45		-547,804.52
Realized Losses											-0.00		-0.00		-0.00
Advanced Principal											281,048.07		266,756.45		547,804.52
TOTAL PRINCIPAL COLLECTED											12,775,250.81		14,509,870.75		27,285,121.56


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 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution

INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
										Group 2		Group 1		Total
Scheduled Interest										2,302,474.84		2,321,908.10		4,624,382.94
Repurchased/Substitution Interest										0.00		0.00		0.00
Liquidation Interest										0.00		0.00		0.00
Insurance Interest										0.00		0.00		0.00
Other Additional Interest										0.00		0.00		0.00
Prepayment Interest Shortfalls										-7,966.15		-7,449.86		-15,416.01
Delinquent Interest										-1,940,496.15		-1,941,526.66		-3,882,022.81
Compensating Interest										7,966.15		7,449.86		15,416.01
Civil Relief Act Shortfalls										-0.00		-0.00		-0.00
Interest Advanced										1,801,869.18		1,802,978.28		3,604,847.46
TOTAL INTEREST COLLECTED										2,163,847.87		2,183,359.71		4,347,207.58


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														614,086.65
Net Swap Payment										8,817.61		8,712.18		17,529.79
TOTAL INTEREST OTHER ACCOUNTS														631,616.44



INTEREST - FEES
INTEREST - FEES
										Group 2		Group 1		Total
Current Servicing Fees										26,762.56		29,145.12		55,907.68
Tax Fees
Trustee Fees										661.56		670.77		1,332.33
TOTAL INTEREST FEES										27,424.12		29,815.89		57,240.01




Page 5 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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														13,758,438.00
Overcollateralization Reduction Amount														0.00
Overcollateralization Deficiency Amount														0.00
Overcollateralization Target Amount														13,758,438.00




Page 6 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution
Collateral Report


COLLATERAL



											Group 2		Group 1		Total



Loan Count:


Original										2,585		2,881		5,466
Prior										2,309		2,588		4,897
Prefunding										0		0		0
Scheduled Paid Offs										-0		-0		-0
Full Voluntary Prepayments										-67		-77		-144
Repurchases										-0		-0		-0
Liquidations										-0		-0		-0
Current										2,242		2,511		4,753
Principal Balance:


Original										459,500,843.36		457,728,336.81		917,229,180.17
Prior										396,934,867.65		402,464,428.69		799,399,296.34
Prefunding										0.00		0.00		0.00
Scheduled Principal										-325,201.70		-314,070.26		-639,271.96
Partial Prepayments										-14,655.60		-28,590.58		-43,246.18
Full Voluntary Prepayments										-12,435,393.51		-14,167,209.91		-26,602,603.42
Repurchases										-0.00		-0.00		-0.00
Liquidations										-0.00		-0.00		-0.00
Current										384,159,616.84		387,954,557.94		772,114,174.78





PREFUNDING

SPACE INTENTIONALLY LEFT BLANK






Page 7 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Coupon Original										6.99354%		6.99397%		6.99376%
Weighted Average Coupon Prior										6.96577%		6.97929%		#######
Weighted Average Coupon Current										6.96076%		6.97714%		6.96901%
Weighted Average Months to Maturity Original										352		354		353
Weighted Average Months to Maturity Prior										345		348		346
Weighted Average Months to Maturity Current										344		347		345
Weighted Avg Remaining Amortization Term Original										352		354		353
Weighted Avg Remaining Amortization Term Prior										345		348		346
Weighted Avg Remaining Amortization Term Current										344		347		345
Weighted Average Seasoning Original										2.09		2.12		2.11
Weighted Average Seasoning Prior										8.07		8.10		8.09
Weighted Average Seasoning Current										9.07		9.10		9.08









Page 8 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution

ARM CHARACTERISTICS
ARM CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Margin Original										5.77014%		5.60221%		5.67279%
Weighted Average Margin Prior										5.73808%		5.58435%		5.64748%
Weighted Average Margin Current										5.74263%		5.58014%		5.64661%
Weighted Average Max Rate Original										14.18184%		14.01766%		14.08667%
Weighted Average Max Rate Prior										14.14847%		14.00200%		14.06214%
Weighted Average Max Rate Current										14.15140%		13.99995%		14.06190%
Weighted Average Min Rate Original										7.18507%		7.01807%		7.08827%
Weighted Average Min Rate Prior										7.15219%		7.00246%		7.06394%
Weighted Average Min Rate Current										7.15431%		7.00043%		7.06337%
Weighted Average Cap Up Original										1.49497%		1.49704%		1.49617%
Weighted Average Cap Up Prior										1.49481%		1.49722%		1.49623%
Weighted Average Cap Up Current										1.49509%		1.49713%		1.49630%
Weighted Average Cap Down Original										1.49497%		1.49704%		1.49617%
Weighted Average Cap Down Prior										1.49481%		1.49722%		1.49623%
Weighted Average Cap Down Current										1.49509%		1.49713%		1.49630%




SERVICING FEES & ADVANCES

											Group 2		Group 1		Total




Current Servicing Fees										26,762.56		29,145.12		55,907.68
Delinquent Servicing Fees										138,626.97		138,548.39		277,175.36
TOTAL SERVICING FEES										165,389.54		167,693.52		333,083.06


Total Servicing Fees										165,389.54		167,693.52		333,083.06
Compensating Interest										-7,966.15		-7,449.86		-15,416.01
Delinquent Servicing Fees										-138,626.97		-138,548.39		-277,175.36
COLLECTED SERVICING FEES										26,762.56		29,145.12		40,491.69


Total Advanced Interest										1,801,869.18		1,802,978.28		3,604,847.46
Total Advanced Principal										281,048.07		266,756.45		547,804.52
Aggregate Advances with respect to this Distribution										2,082,917.25		2,069,734.73		4,152,651.98





ADDITIONAL COLLATERAL INFORMATION
										Group 2		Group 1		Total
Prepayment Interest Shortfall (PPIS)										7,966.15		7,449.86		15,416.01
Compensating Interest										-7,966.15		-7,449.86		-15,416.01
Net Prepayment Interest Shortfall (PPIS)										0.00		0.00		0.00

Ending Pool Stated Principal Balance										384,159,616.84		387,954,557.94		772,114,174.78
Weighted Average Net Mortgage Rate										6.709056%		6.669359%		6.689245%




Page 9 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				6,235,485.65		1,188,193.58		238,655.95		7,662,335.18
			% Balance				0.81%		0.15%		0.03%		0.99%
			# Loans				43		9		2		54
			% # Loans				0.90%		0.19%		0.04%		1.14%
	FORECLOSURE		Balance		0.00		0.00		1,043,550.33		4,275,185.94		5,318,736.27
			% Balance		0.00%		0.00%		0.14%		0.55%		0.69%
			# Loans		0		0		4		25		29
			% # Loans		0.00%		0.00%		0.08%		0.53%		0.61%
	BANKRUPTCY		Balance		0.00		0.00		0.00		846,719.61		846,719.61
			% Balance		0.00%		0.00%		0.00%		0.11%		0.11%
			# Loans		0		0		0		4		4
			% # Loans		0.00%		0.00%		0.00%		0.08%		0.08%
	REO		Balance		0.00		0.00		0.00		571,286.53		571,286.53
			% Balance		0.00%		0.00%		0.00%		0.07%		0.07%
			# Loans		0		0		0		5		5
			% # Loans		0.00%		0.00%		0.00%		0.11%		0.11%
	TOTAL		Balance		0.00		6,235,485.65		2,231,743.91		5,931,848.03		14,399,077.59
			% Balance		0.00%		0.81%		0.29%		0.77%		1.86%
			# Loans		0		43		13		36		92
			% # Loans		0.00%		0.90%		0.27%		0.76%		1.94%









Page 10 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution


	GROUP 1
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				4,105,505.22		557,191.02		0.00		4,662,696.24
			% Balance				1.06%		0.14%		0.00%		1.20%
			# Loans				29		3		0		32
			% # Loans				1.15%		0.12%		0.00%		1.27%
	FORECLOSURE		Balance		0.00		0.00		71,755.11		2,764,584.00		2,836,339.11
			% Balance		0.00%		0.00%		0.02%		0.71%		0.73%
			# Loans		0		0		1		17		18
			% # Loans		0.00%		0.00%		0.04%		0.68%		0.72%
	BANKRUPTCY		Balance		0.00		0.00		0.00		846,719.61		846,719.61
			% Balance		0.00%		0.00%		0.00%		0.22%		0.22%
			# Loans		0		0		0		4		4
			% # Loans		0.00%		0.00%		0.00%		0.16%		0.16%
	REO		Balance		0.00		0.00		0.00		426,448.80		426,448.80
			% Balance		0.00%		0.00%		0.00%		0.11%		0.11%
			# Loans		0		0		0		3		3
			% # Loans		0.00%		0.00%		0.00%		0.12%		0.12%
	TOTAL		Balance		0.00		4,105,505.22		628,946.13		4,037,752.41		8,772,203.76
			% Balance		0.00%		1.06%		0.16%		1.04%		2.26%
			# Loans		0		29		4		24		57
			% # Loans		0.00%		1.15%		0.16%		0.96%		2.27%










Page 11 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution

	GROUP 2
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				2,129,980.43		631,002.56		238,655.95		2,999,638.94
			% Balance				0.55%		0.16%		0.06%		0.78%
			# Loans				14		6		2		22
			% # Loans				0.62%		0.27%		0.09%		0.98%
	FORECLOSURE		Balance		0.00		0.00		971,795.22		1,510,601.94		2,482,397.16
			% Balance		0.00%		0.00%		0.25%		0.39%		0.65%
			# Loans		0		0		3		8		11
			% # Loans		0.00%		0.00%		0.13%		0.36%		0.49%
	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		144,837.73		144,837.73
			% Balance		0.00%		0.00%		0.00%		0.04%		0.04%
			# Loans		0		0		0		2		2
			% # Loans		0.00%		0.00%		0.00%		0.09%		0.09%
	TOTAL		Balance		0.00		2,129,980.43		1,602,797.78		1,894,095.62		5,626,873.83
			% Balance		0.00%		0.55%		0.42%		0.49%		1.46%
			# Loans		0		14		9		12		35
			% # Loans		0.00%		0.62%		0.40%		0.54%		1.56%









Page 12 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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
411121227 1
411121227 1			126,000.00		125,896.51		01-Jan-2005		6.990%		NH - 77.78%		360		01-Feb-2005

411296579 1			106,200.00		105,669.22		01-Mar-2005		7.840%		NC - 90.00%		360		01-Feb-2005
412168778 1			196,000.00		194,883.07		01-Apr-2005		7.125%		GA - 80.00%		360		01-Feb-2005
411052388 2			70,240.00		70,187.87		01-Jan-2005		7.500%		TX - 80.00%		360		01-Feb-2005
412169667 2			74,700.00		74,649.86		01-Jan-2005		7.999%		OH - 90.00%		360		01-Feb-2005


TOTAL			573,140.00		571,286.53


Page 13 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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
409102125 1
409102125 1			196,000.00		196,000.00		01-May-2005		7.250%		GA - 80.00%		360		01-Jan-2005

409307209 1			72,250.00		71,755.11		01-Jun-2005		7.500%		TN - 85.00%		360		01-Feb-2005
410017569 1			138,600.00		137,834.98		01-May-2005		8.580%		MD - 90.00%		360		01-Jan-2005
410199231 1			104,800.00		102,794.55		01-Feb-2005		7.250%		KS - 80.00%		240		01-Jan-2005
410200759 1			99,450.00		98,883.23		01-Mar-2005		7.125%		NM - 85.00%		360		01-Jan-2005
411051855 1			64,000.00		63,578.94		01-May-2005		8.250%		TN - 80.00%		360		01-Jan-2005
411096535 1			142,800.00		142,094.82		01-Apr-2005		7.850%		IL - 85.00%		360		01-Feb-2005
411177606 1			218,400.00		216,376.77		01-Apr-2005		6.500%		NV - 80.00%		360		01-Jan-2005
412010790 1			173,600.00		172,496.02		01-Feb-2005		7.875%		IL - 80.00%		360		01-Feb-2005
412019861 1			187,000.00		185,621.66		01-May-2005		7.125%		RI - 89.05%		360		01-Feb-2005
412090971 1			316,000.00		314,323.92		01-May-2005		7.490%		CO - 80.00%		360		01-Mar-2005
412134206 1			114,000.00		113,238.21		01-May-2005		7.625%		IN - 80.00%		360		01-Feb-2005
412213889 1			83,700.00		83,288.71		01-Apr-2005		7.875%		MS - 90.00%		360		01-Feb-2005
412225331 1			190,000.00		189,112.09		01-Apr-2005		8.125%		IN - 80.00%		360		01-Mar-2005
412289487 1			113,000.00		112,242.15		01-Apr-2005		6.990%		NV - 60.07%		360		01-Mar-2005
501078733 1			184,000.00		182,925.32		01-May-2005		6.999%		MN - 80.00%		360		01-Mar-2005
501124205 1			98,400.00		97,772.69		01-May-2005		7.250%		GA - 80.00%		360		01-Mar-2005
501216526 1			356,000.00		355,999.94		01-Mar-2005		7.250%		CA - 80.00%		360		01-Mar-2005
411038532 2			246,500.00		245,008.83		01-Jun-2005		8.125%		WA - 85.00%		360		01-Feb-2005
411118986 2			80,500.00		80,089.78		01-Feb-2005		8.375%		KY - 89.94%		360		01-Jan-2005
411119959 2			488,000.00		487,999.92		01-May-2005		5.750%		CA - 80.00%		360		01-Jan-2005
412010063 2			81,000.00		80,481.88		01-Apr-2005		8.375%		OH - 90.00%		360		01-Feb-2005
412033368 2			84,750.00		84,230.07		01-Feb-2005		8.055%		OH - 75.00%		360		01-Feb-2005
412065631 2			376,000.00		373,781.76		01-Jun-2005		8.250%		TX - 80.00%		360		01-Feb-2005
412091104 2			126,800.00		125,887.92		01-May-2005		7.250%		TN - 80.00%		360		01-Feb-2005
412091279 2			355,500.00		353,004.63		01-Jun-2005		7.375%		IL - 90.00%		360		01-Feb-2005
412102731 2			416,000.00		413,220.21		01-May-2005		7.625%		CA - 80.00%		360		01-Feb-2005
412290122 2			175,500.00		174,979.31		01-Feb-2005		7.550%		SC - 90.00%		360		01-Mar-2005
501124862 2			63,840.00		63,712.85		01-Feb-2005		9.499%		MI - 80.00%		360		01-Mar-2005


TOTAL			5,346,390.00		5,318,736.27


Page 14 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

											Group 2		Group 1		Total




Current


Number of Paid in Full Loans										67		77		144
Number of Repurchased Loans										0		0		0
Total Number of Loans Prepaid in Full										67		77		144
Curtailments Amount										14,655.60		28,590.58		43,246.18
Paid in Full Balance										12,435,393.51		14,167,209.91		26,602,603.42
Repurchased Loans Balance										0.00		0.00		0.00
Total Prepayment Amount										12,450,049.11		14,195,800.49		26,645,849.60

Cumulative


Number of Paid in Full Loans										342		370		712
Number of Repurchased Loans										1		0		1
Total Number of Loans Prepaid in Full										343		370		713
Paid in Full Balance										72,159,250.05		66,644,631.45		138,803,881.49
Repurchased Loans Balance										198,000.00		0.00		198,000.00
Curtailments Amount										188,686.48		439,711.88		628,398.36
Total Prepayment Amount										72,545,936.53		67,084,343.33		139,630,279.85










Page 15 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

											Group 2		Group 1		Total



SMM										3.14%		3.53%		3.34%
3 Months Avg SMM										3.16%		3.23%		3.20%
12 Months Avg SMM										2.13%		1.97%		2.05%
Avg SMM Since Cut-off										2.13%		1.97%		2.05%


CPR										31.80%		35.03%		33.44%
3 Months Avg CPR										31.96%		32.60%		32.28%
12 Months Avg CPR										22.81%		21.25%		22.03%
Avg CPR Since Cut-off										22.82%		21.25%		22.03%


PSA										1,753.39%		1,924.87%		1,840.87%
3 Months Avg PSA Approximation										1,979.53%		2,012.22%		1,996.04%
12 Months Avg PSA Approximation										2,045.64%		1,893.88%		1,969.77%
Avg PSA Since Cut-off Approximation										2,045.64%		1,893.88%		1,969.77%










Page 16 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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

408052395 2			380,500.00		378,668.93			21-Sep-2005		9.250%		CA - 70.00%		Paid Off - 360		01-Jan-2005
			380,500.00

408094541 2			112,500.00		111,894.87			03-Oct-2005		8.750%		VA - 90.00%		Paid Off - 360		01-Jan-2005
408094541 2					111,894.87			03-Oct-2005		8.750%		VA - 90.00%		Paid Off - 360		01-Jan-2005
408310790 1			148,000.00		146,831.05			20-Sep-2005		7.250%		MD - 58.50%		Paid Off - 360		01-Jan-2005
408310790 1					146,831.05			20-Sep-2005		7.250%		MD - 58.50%		Paid Off - 360		01-Jan-2005
410049018 1			216,000.00		214,856.57			29-Sep-2005		7.500%		MD - 80.00%		Paid Off - 360		01-Mar-2005
410049018 1					214,856.57			29-Sep-2005		7.500%		MD - 80.00%		Paid Off - 360		01-Mar-2005
410052214 2			364,000.00		361,081.92			27-Sep-2005		7.250%		HI - 82.73%		Paid Off - 360		01-Dec-2004
410052214 2					361,081.92			27-Sep-2005		7.250%		HI - 82.73%		Paid Off - 360		01-Dec-2004
410062309 2			110,500.00		109,864.33			10-Oct-2005		8.375%		FL - 65.00%		Paid Off - 360		01-Jan-2005
410062309 2					109,864.33			10-Oct-2005		8.375%		FL - 65.00%		Paid Off - 360		01-Jan-2005
410117585 2			182,400.00		181,210.96			21-Sep-2005		7.750%		PA - 79.30%		Paid Off - 360		01-Jan-2005
410117585 2					181,210.96			21-Sep-2005		7.750%		PA - 79.30%		Paid Off - 360		01-Jan-2005
410131242 1			185,000.00		183,850.23			14-Oct-2005		7.990%		NJ - 78.72%		Paid Off - 360		01-Jan-2005
410131242 1					183,850.23			14-Oct-2005		7.990%		NJ - 78.72%		Paid Off - 360		01-Jan-2005
410131486 1			104,000.00		103,305.25			04-Oct-2005		8.125%		FL - 80.00%		Paid Off - 360		01-Jan-2005
410131486 1					103,305.25			04-Oct-2005		8.125%		FL - 80.00%		Paid Off - 360		01-Jan-2005
410142829 1			392,000.00		388,368.57			29-Sep-2005		6.500%		CA - 82.01%		Paid Off - 360		01-Dec-2004
410142829 1					388,368.57			29-Sep-2005		6.500%		CA - 82.01%		Paid Off - 360		01-Dec-2004
410143220 1			156,000.00		154,765.29			03-Oct-2005		6.990%		VA - 80.00%		Paid Off - 360		01-Jan-2005
410143220 1					154,765.29			03-Oct-2005		6.990%		VA - 80.00%		Paid Off - 360		01-Jan-2005
410144062 2			352,000.00		348,989.54			10-Oct-2005		6.375%		IL - 80.00%		Paid Off - 360		01-Jan-2005
410144062 2					348,989.54			10-Oct-2005		6.375%		IL - 80.00%		Paid Off - 360		01-Jan-2005
410155250 2			311,250.00		309,299.14			27-Sep-2005		7.625%		NJ - 75.00%		Paid Off - 360		01-Feb-2005
410155250 2					309,299.14			27-Sep-2005		7.625%		NJ - 75.00%		Paid Off - 360		01-Feb-2005
410187386 1			149,965.00		148,830.27			12-Oct-2005		6.990%		NV - 85.00%		Paid Off - 360		01-Jan-2005
410187386 1					148,830.27			12-Oct-2005		6.990%		NV - 85.00%		Paid Off - 360		01-Jan-2005
410187768 2			248,000.00		245,624.48			20-Sep-2005		6.375%		HI - 80.00%		Paid Off - 360		01-Dec-2004
410187768 2					245,624.48			20-Sep-2005		6.375%		HI - 80.00%		Paid Off - 360		01-Dec-2004
410200812 1			135,000.00		134,075.40			03-Oct-2005		7.500%		CA - 61.36%		Paid Off - 360		01-Jan-2005
410200812 1					134,075.40			03-Oct-2005		7.500%		CA - 61.36%		Paid Off - 360		01-Jan-2005
410201779 2			144,000.00		142,988.75			05-Oct-2005		7.375%		NJ - 84.71%		Paid Off - 360		01-Jan-2005
410201779 2					142,988.75			05-Oct-2005		7.375%		NJ - 84.71%		Paid Off - 360		01-Jan-2005
410224513 1			343,600.00		341,711.96			27-Sep-2005		8.000%		CA - 80.00%		Paid Off - 360		01-Feb-2005
410224513 1					341,711.96			27-Sep-2005		8.000%		CA - 80.00%		Paid Off - 360		01-Feb-2005
410224794 1			109,600.00		109,599.93			22-Sep-2005		7.375%		WI - 80.00%		Paid Off - 360		01-Jan-2005
410224794 1					109,599.93			22-Sep-2005		7.375%		WI - 80.00%		Paid Off - 360		01-Jan-2005
410268148 2			112,000.00		111,112.34			05-Oct-2005		6.750%		WA - 70.00%		Paid Off - 360		01-Jan-2005
410268148 2					111,112.34			05-Oct-2005		6.750%		WA - 70.00%		Paid Off - 360		01-Jan-2005
410268449 2			140,000.00		138,807.86			16-Sep-2005		6.375%		VA - 80.00%		Paid Off - 360		01-Jan-2005
410268449 2					138,807.86			16-Sep-2005		6.375%		VA - 80.00%		Paid Off - 360		01-Jan-2005
410268665 1			108,000.00		107,039.45			30-Sep-2005		6.150%		CA - 90.00%		Paid Off - 360		01-Jan-2005
410268665 1					107,039.45			30-Sep-2005		6.150%		CA - 90.00%		Paid Off - 360		01-Jan-2005
410270078 1			185,600.00		184,390.05			21-Sep-2005		7.750%		ME - 80.00%		Paid Off - 360		01-Jan-2005
410270078 1					184,390.05			21-Sep-2005		7.750%		ME - 80.00%		Paid Off - 360		01-Jan-2005
410270178 1			152,750.00		151,871.19			04-Oct-2005		8.375%		NV - 65.00%		Paid Off - 360		01-Jan-2005
410270178 1					151,871.19			04-Oct-2005		8.375%		NV - 65.00%		Paid Off - 360		01-Jan-2005
410270204 1			135,000.00		133,112.83			10-Oct-2005		6.750%		MD - 72.97%		Paid Off - 360		01-Jan-2005
410270204 1					133,112.83			10-Oct-2005		6.750%		MD - 72.97%		Paid Off - 360		01-Jan-2005
410279896 1			116,000.00		115,165.58			29-Sep-2005		7.250%		CA - 80.00%		Paid Off - 360		01-Jan-2005
410279896 1					115,165.58			29-Sep-2005		7.250%		CA - 80.00%		Paid Off - 360		01-Jan-2005
410281518 2			129,000.00		127,892.06			30-Sep-2005		6.750%		CA - 78.18%		Paid Off - 360		01-Jan-2005
410281518 2					127,892.06			30-Sep-2005		6.750%		CA - 78.18%		Paid Off - 360		01-Jan-2005
410282666 2			108,000.00		106,914.00			06-Oct-2005		6.100%		CA - 60.00%		Paid Off - 360		01-Jan-2005
410282666 2					106,914.00			06-Oct-2005		6.100%		CA - 60.00%		Paid Off - 360		01-Jan-2005
410292848 2			76,000.00		75,614.16			06-Oct-2005		8.990%		SC - 72.38%		Paid Off - 360		01-Jan-2005
410292848 2					75,614.16			06-Oct-2005		8.990%		SC - 72.38%		Paid Off - 360		01-Jan-2005
410293004 2			112,000.00		111,133.42			04-Oct-2005		6.875%		CA - 48.70%		Paid Off - 360		01-Jan-2005
410293004 2					111,133.42			04-Oct-2005		6.875%		CA - 48.70%		Paid Off - 360		01-Jan-2005
410293194 1			132,000.00		130,476.14			04-Oct-2005		6.250%		CA - 89.80%		Paid Off - 360		01-Jan-2005
410293194 1					130,476.14			04-Oct-2005		6.250%		CA - 89.80%		Paid Off - 360		01-Jan-2005
410293709 1			167,000.00		165,676.44			30-Sep-2005		6.750%		CA - 69.58%		Paid Off - 360		01-Jan-2005
410293709 1					165,676.44			30-Sep-2005		6.750%		CA - 69.58%		Paid Off - 360		01-Jan-2005
411014287 2			155,550.00		154,677.43			05-Oct-2005		8.500%		AZ - 85.00%		Paid Off - 360		01-Jan-2005
411014287 2					154,677.43			05-Oct-2005		8.500%		AZ - 85.00%		Paid Off - 360		01-Jan-2005
411026029 1			240,000.00		238,273.64			28-Sep-2005		7.250%		CA - 80.00%		Paid Off - 360		01-Jan-2005
411026029 1					238,273.64			28-Sep-2005		7.250%		CA - 80.00%		Paid Off - 360		01-Jan-2005
411026087 2			178,125.00		177,309.25			03-Oct-2005		9.490%		MD - 75.00%		Paid Off - 360		01-Jan-2005
411026087 2					177,309.25			03-Oct-2005		9.490%		MD - 75.00%		Paid Off - 360		01-Jan-2005
411026153 1			300,000.00		297,158.35			26-Sep-2005		6.250%		CA - 75.00%		Paid Off - 360		01-Jan-2005
411026153 1					297,158.35			26-Sep-2005		6.250%		CA - 75.00%		Paid Off - 360		01-Jan-2005
411026165 1			236,000.00		233,985.19			06-Oct-2005		6.375%		VA - 78.67%		Paid Off - 360		01-Jan-2005
411026165 1					233,985.19					6.375%		VA - 78.67%		Paid Off - 360


Page 18 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution

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

411026186 1			85,500.00		84,928.62			20-Sep-2005		7.625%		NM - 75.00%		Paid Off - 360		01-Jan-2005
			85,500.00

411038212 2			182,000.00		180,703.33			12-Oct-2005		7.299%		CA - 65.00%		Paid Off - 360		01-Jan-2005
411038212 2					180,703.33			12-Oct-2005		7.299%		CA - 65.00%		Paid Off - 360		01-Jan-2005
411038968 2			420,750.00		417,566.40			22-Sep-2005		6.990%		CA - 85.00%		Paid Off - 360		01-Jan-2005
411038968 2					417,566.40			22-Sep-2005		6.990%		CA - 85.00%		Paid Off - 360		01-Jan-2005
411038984 1			70,000.00		69,458.63			21-Sep-2005		7.375%		IN - 73.68%		Paid Off - 360		01-Jan-2005
411038984 1					69,458.63			21-Sep-2005		7.375%		IN - 73.68%		Paid Off - 360		01-Jan-2005
411039077 2			138,550.00		137,868.55			21-Sep-2005		8.550%		MA - 85.00%		Paid Off - 360		01-Feb-2005
411039077 2					137,868.55			21-Sep-2005		8.550%		MA - 85.00%		Paid Off - 360		01-Feb-2005
411051524 1			78,000.00		77,396.49			04-Oct-2005		6.875%		FL - 60.00%		Paid Off - 360		01-Jan-2005
411051524 1					77,396.49			04-Oct-2005		6.875%		FL - 60.00%		Paid Off - 360		01-Jan-2005
411051748 1			165,000.00		163,459.84			19-Sep-2005		6.500%		CA - 62.50%		Paid Off - 360		01-Jan-2005
411051748 1					163,459.84			19-Sep-2005		6.500%		CA - 62.50%		Paid Off - 360		01-Jan-2005
411095439 2			176,500.00		175,377.63			13-Oct-2005		7.875%		PA - 84.90%		Paid Off - 360		01-Jan-2005
411095439 2					175,377.63			13-Oct-2005		7.875%		PA - 84.90%		Paid Off - 360		01-Jan-2005
411107504 2			205,000.00		203,017.92			05-Oct-2005		5.700%		CA - 73.21%		Paid Off - 360		01-Jan-2005
411107504 2					203,017.92			05-Oct-2005		5.700%		CA - 73.21%		Paid Off - 360		01-Jan-2005
411107603 1			206,400.00		204,723.98			28-Sep-2005		5.990%		AZ - 80.00%		Paid Off - 360		01-Feb-2005
411107603 1					204,723.98			28-Sep-2005		5.990%		AZ - 80.00%		Paid Off - 360		01-Feb-2005
411107730 1			293,000.00		291,106.89			29-Sep-2005		8.125%		MD - 84.93%		Paid Off - 360		01-Jan-2005
411107730 1					291,106.89			29-Sep-2005		8.125%		MD - 84.93%		Paid Off - 360		01-Jan-2005
411107835 1			308,500.00		306,170.26			26-Sep-2005		7.000%		VA - 84.99%		Paid Off - 360		01-Jan-2005
411107835 1					306,170.26			26-Sep-2005		7.000%		VA - 84.99%		Paid Off - 360		01-Jan-2005
411108290 2			125,000.00		123,959.30			03-Oct-2005		5.875%		CA - 61.28%		Paid Off - 360		01-Feb-2005
411108290 2					123,959.30			03-Oct-2005		5.875%		CA - 61.28%		Paid Off - 360		01-Feb-2005
411108764 2			364,000.00		360,914.24			27-Sep-2005		6.990%		CA - 89.88%		Paid Off - 360		01-Jan-2005
411108764 2					360,914.24			27-Sep-2005		6.990%		CA - 89.88%		Paid Off - 360		01-Jan-2005
411110707 2			87,000.00		86,345.04			21-Sep-2005		6.390%		CA - 60.63%		Paid Off - 360		01-Feb-2005
411110707 2					86,345.04			21-Sep-2005		6.390%		CA - 60.63%		Paid Off - 360		01-Feb-2005
411119208 1			135,000.00		133,930.04			07-Oct-2005		6.750%		NV - 90.00%		Paid Off - 360		01-Jan-2005
411119208 1					133,930.04			07-Oct-2005		6.750%		NV - 90.00%		Paid Off - 360		01-Jan-2005
411119540 2			472,000.00		468,834.75			29-Sep-2005		6.990%		FL - 80.00%		Paid Off - 360		01-Feb-2005
411119540 2					468,834.75			29-Sep-2005		6.990%		FL - 80.00%		Paid Off - 360		01-Feb-2005
411119608 1			264,800.00		262,738.64			22-Sep-2005		6.450%		MA - 80.00%		Paid Off - 360		01-Feb-2005
411119608 1					262,738.64			22-Sep-2005		6.450%		MA - 80.00%		Paid Off - 360		01-Feb-2005
411120995 1			143,000.00		141,945.99			16-Sep-2005		7.125%		NJ - 56.08%		Paid Off - 360		01-Jan-2005
411120995 1					141,945.99			16-Sep-2005		7.125%		NJ - 56.08%		Paid Off - 360		01-Jan-2005
411121074 1			124,000.00		123,228.70			22-Sep-2005		7.375%		NJ - 80.00%		Paid Off - 360		01-Feb-2005
411121074 1					123,228.70			22-Sep-2005		7.375%		NJ - 80.00%		Paid Off - 360		01-Feb-2005
411153029 1			199,200.00		197,723.85			20-Sep-2005		6.490%		RI - 80.00%		Paid Off - 360		01-Feb-2005
411153029 1					197,723.85			20-Sep-2005		6.490%		RI - 80.00%		Paid Off - 360		01-Feb-2005
411153162 1			335,000.00		332,209.22			03-Oct-2005		6.490%		NV - 72.83%		Paid Off - 360		01-Jan-2005
411153162 1					332,209.22			03-Oct-2005		6.490%		NV - 72.83%		Paid Off - 360		01-Jan-2005
411165262 1			130,000.00		603.62			27-Sep-2005		5.999%		CA - 71.04%		Paid Off - 360		01-Jan-2005
411165262 1					603.62			27-Sep-2005		5.999%		CA - 71.04%		Paid Off - 360		01-Jan-2005
411165837 1			246,500.00		244,640.32			13-Oct-2005		7.125%		HI - 85.00%		Paid Off - 360		01-Jan-2005
411165837 1					244,640.32			13-Oct-2005		7.125%		HI - 85.00%		Paid Off - 360		01-Jan-2005
411176255 2			204,000.00		202,090.91			19-Sep-2005		5.875%		CA - 85.00%		Paid Off - 360		01-Jan-2005
411176255 2					202,090.91			19-Sep-2005		5.875%		CA - 85.00%		Paid Off - 360		01-Jan-2005
411176291 2			136,000.00		134,167.39			29-Sep-2005		6.625%		MI - 80.00%		Paid Off - 360		01-Jan-2005
411176291 2					134,167.39			29-Sep-2005		6.625%		MI - 80.00%		Paid Off - 360		01-Jan-2005
411176615 1			238,500.00		238,390.71			06-Oct-2005		6.125%		CA - 90.00%		Paid Off - 360		01-Jan-2005
411176615 1					238,390.71			06-Oct-2005		6.125%		CA - 90.00%		Paid Off - 360		01-Jan-2005
411191111 1			232,000.00		230,330.51			10-Oct-2005		7.250%		CA - 80.00%		Paid Off - 360		01-Jan-2005
411191111 1					230,330.51			10-Oct-2005		7.250%		CA - 80.00%		Paid Off - 360		01-Jan-2005
411199702 1			255,000.00		252,487.82			23-Sep-2005		5.599%		MA - 49.04%		Paid Off - 360		01-Jan-2005
411199702 1					252,487.82			23-Sep-2005		5.599%		MA - 49.04%		Paid Off - 360		01-Jan-2005
411221517 1			90,000.00		89,552.78			12-Oct-2005		8.500%		IL - 64.29%		Paid Off - 360		01-Feb-2005
411221517 1					89,552.78			12-Oct-2005		8.500%		IL - 64.29%		Paid Off - 360		01-Feb-2005
411233404 1			213,600.00		213,600.00			30-Sep-2005		8.000%		MD - 80.00%		Paid Off - 360		01-Feb-2005
411233404 1					213,600.00			30-Sep-2005		8.000%		MD - 80.00%		Paid Off - 360		01-Feb-2005
411233580 1			160,000.00		158,875.97			13-Oct-2005		6.750%		CT - 84.21%		Paid Off - 360		01-Feb-2005
411233580 1					158,875.97			13-Oct-2005		6.750%		CT - 84.21%		Paid Off - 360		01-Feb-2005
411234059 2			190,000.00		188,888.38			23-Sep-2005		6.990%		CA - 68.35%		Paid Off - 360		01-Mar-2005
411234059 2					188,888.38			23-Sep-2005		6.990%		CA - 68.35%		Paid Off - 360		01-Mar-2005
411244882 1			128,800.00		127,937.94			28-Sep-2005		7.000%		FL - 80.00%		Paid Off - 360		01-Feb-2005
411244882 1					127,937.94			28-Sep-2005		7.000%		FL - 80.00%		Paid Off - 360		01-Feb-2005
411296174 2			110,000.00		109,554.95			04-Oct-2005		9.500%		FL - 67.28%		Paid Off - 360		01-Feb-2005
411296174 2					109,554.95			04-Oct-2005		9.500%		FL - 67.28%		Paid Off - 360		01-Feb-2005
411296718 1			67,500.00		67,023.76			03-Oct-2005		7.375%		VA - 88.82%		Paid Off - 360		01-Feb-2005
411296718 1					67,023.76			03-Oct-2005		7.375%		VA - 88.82%		Paid Off - 360		01-Feb-2005
411297218 2			120,000.00		119,216.10			10-Oct-2005		7.125%		MD - 89.55%		Paid Off - 360		01-Feb-2005
411297218 2					119,216.10			10-Oct-2005		7.125%		MD - 89.55%		Paid Off - 360		01-Feb-2005
411309203 1			143,920.00		142,848.97			07-Oct-2005		6.450%		MA - 80.00%		Paid Off - 360		01-Feb-2005
411309203 1					142,848.97					6.450%		MA - 80.00%		Paid Off - 360


Page 19 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution

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

412010029 1			208,000.00		206,835.76			28-Sep-2005		7.990%		FL - 80.00%		Paid Off - 360		01-Feb-2005
			208,000.00

412011333 1			82,150.00		81,641.39			13-Oct-2005		7.399%		SC - 53.00%		Paid Off - 360		01-Feb-2005
412011333 1					81,641.39			13-Oct-2005		7.399%		SC - 53.00%		Paid Off - 360		01-Feb-2005
412011471 2			99,000.00		98,442.26			04-Oct-2005		7.875%		CA - 76.74%		Paid Off - 360		01-Feb-2005
412011471 2					98,442.26			04-Oct-2005		7.875%		CA - 76.74%		Paid Off - 360		01-Feb-2005
412011534 2			91,200.00		90,584.67			10-Oct-2005		6.250%		CA - 80.00%		Paid Off - 360		01-Mar-2005
412011534 2					90,584.67			10-Oct-2005		6.250%		CA - 80.00%		Paid Off - 360		01-Mar-2005
412021677 2			387,000.00		384,307.37			21-Sep-2005		6.800%		SC - 90.00%		Paid Off - 360		01-Feb-2005
412021677 2					384,307.37			21-Sep-2005		6.800%		SC - 90.00%		Paid Off - 360		01-Feb-2005
412021700 2			116,000.00		109,879.73			04-Oct-2005		7.750%		OH - 80.00%		Paid Off - 360		01-Feb-2005
412021700 2					109,879.73			04-Oct-2005		7.750%		OH - 80.00%		Paid Off - 360		01-Feb-2005
412021794 1			264,300.00		262,733.45			21-Sep-2005		7.625%		MD - 84.98%		Paid Off - 360		01-Feb-2005
412021794 1					262,733.45			21-Sep-2005		7.625%		MD - 84.98%		Paid Off - 360		01-Feb-2005
412021849 1			196,000.00		194,853.26			04-Oct-2005		6.990%		CA - 80.00%		Paid Off - 360		01-Mar-2005
412021849 1					194,853.26			04-Oct-2005		6.990%		CA - 80.00%		Paid Off - 360		01-Mar-2005
412022518 1			205,000.00		203,627.60			10-Oct-2005		6.999%		NV - 70.69%		Paid Off - 360		01-Feb-2005
412022518 1					203,627.60			10-Oct-2005		6.999%		NV - 70.69%		Paid Off - 360		01-Feb-2005
412065081 1			217,000.00		215,475.56			05-Oct-2005		6.750%		NJ - 70.68%		Paid Off - 360		01-Feb-2005
412065081 1					215,475.56			05-Oct-2005		6.750%		NJ - 70.68%		Paid Off - 360		01-Feb-2005
412065374 2			82,500.00		81,824.91			16-Sep-2005		5.950%		OR - 39.29%		Paid Off - 360		01-Feb-2005
412065374 2					81,824.91			16-Sep-2005		5.950%		OR - 39.29%		Paid Off - 360		01-Feb-2005
412065472 1			190,403.00		189,028.83			16-Sep-2005		6.610%		CA - 80.00%		Paid Off - 360		01-Feb-2005
412065472 1					189,028.83			16-Sep-2005		6.610%		CA - 80.00%		Paid Off - 360		01-Feb-2005
412065749 1			300,800.00		298,928.99			30-Sep-2005		7.375%		NJ - 80.00%		Paid Off - 360		01-Feb-2005
412065749 1					298,928.99			30-Sep-2005		7.375%		NJ - 80.00%		Paid Off - 360		01-Feb-2005
412066568 2			168,800.00		167,447.86			21-Sep-2005		6.325%		CA - 80.00%		Paid Off - 360		01-Feb-2005
412066568 2					167,447.86			21-Sep-2005		6.325%		CA - 80.00%		Paid Off - 360		01-Feb-2005
412076867 1			92,000.00		91,427.70			29-Sep-2005		7.375%		FL - 80.00%		Paid Off - 360		01-Feb-2005
412076867 1					91,427.70			29-Sep-2005		7.375%		FL - 80.00%		Paid Off - 360		01-Feb-2005
412076881 1			300,000.00		297,794.63			03-Oct-2005		6.750%		IL - 83.33%		Paid Off - 360		01-Feb-2005
412076881 1					297,794.63			03-Oct-2005		6.750%		IL - 83.33%		Paid Off - 360		01-Feb-2005
412077260 1			145,000.00		144,162.52			28-Sep-2005		7.750%		MD - 73.23%		Paid Off - 360		01-Feb-2005
412077260 1					144,162.52			28-Sep-2005		7.750%		MD - 73.23%		Paid Off - 360		01-Feb-2005
412088931 1			252,000.00		250,310.00			27-Sep-2005		6.990%		VA - 80.00%		Paid Off - 360		01-Feb-2005
412088931 1					250,310.00			27-Sep-2005		6.990%		VA - 80.00%		Paid Off - 360		01-Feb-2005
412089003 2			260,000.00		258,129.00			14-Oct-2005		6.625%		CA - 80.00%		Paid Off - 360		01-Feb-2005
412089003 2					258,129.00			14-Oct-2005		6.625%		CA - 80.00%		Paid Off - 360		01-Feb-2005
412089234 1			90,900.00		90,321.20			06-Oct-2005		7.625%		MO - 90.00%		Paid Off - 360		01-Feb-2005
412089234 1					90,321.20			06-Oct-2005		7.625%		MO - 90.00%		Paid Off - 360		01-Feb-2005
412089426 2			450,000.00		446,982.28			14-Oct-2005		6.990%		MD - 64.29%		Paid Off - 360		01-Feb-2005
412089426 2					446,982.28			14-Oct-2005		6.990%		MD - 64.29%		Paid Off - 360		01-Feb-2005
412089565 1			175,000.00		174,036.47			07-Oct-2005		7.990%		MD - 72.92%		Paid Off - 360		01-Feb-2005
412089565 1					174,036.47			07-Oct-2005		7.990%		MD - 72.92%		Paid Off - 360		01-Feb-2005
412090605 1			140,000.00		139,039.88			30-Sep-2005		6.875%		AZ - 80.00%		Paid Off - 360		01-Feb-2005
412090605 1					139,039.88			30-Sep-2005		6.875%		AZ - 80.00%		Paid Off - 360		01-Feb-2005
412090961 2			123,000.00		122,231.26			03-Oct-2005		7.375%		AZ - 84.83%		Paid Off - 360		01-Feb-2005
412090961 2					122,231.26			03-Oct-2005		7.375%		AZ - 84.83%		Paid Off - 360		01-Feb-2005
412102811 1			253,000.00		251,559.06			29-Sep-2005		7.128%		CA - 84.33%		Paid Off - 360		01-Mar-2005
412102811 1					251,559.06			29-Sep-2005		7.128%		CA - 84.33%		Paid Off - 360		01-Mar-2005
412102933 2			380,000.00		377,636.40			05-Oct-2005		7.375%		CA - 80.00%		Paid Off - 360		01-Feb-2005
412102933 2					377,636.40			05-Oct-2005		7.375%		CA - 80.00%		Paid Off - 360		01-Feb-2005
412103174 2			323,100.00		321,090.28			21-Sep-2005		7.375%		ME - 90.00%		Paid Off - 360		01-Feb-2005
412103174 2					321,090.28			21-Sep-2005		7.375%		ME - 90.00%		Paid Off - 360		01-Feb-2005
412133876 2			238,000.00		231,280.08			20-Sep-2005		7.750%		SC - 85.00%		Paid Off - 180		01-Feb-2005
412133876 2					231,280.08			20-Sep-2005		7.750%		SC - 85.00%		Paid Off - 180		01-Feb-2005
412133933 2			426,500.00		423,861.64			30-Sep-2005		7.490%		CA - 83.63%		Paid Off - 360		#######
412133933 2					423,861.64			30-Sep-2005		7.490%		CA - 83.63%		Paid Off - 360
412146020 1			268,000.00		266,634.32			19-Sep-2005		8.375%		NJ - 80.00%		Paid Off - 360		01-Feb-2005
412146020 1					266,634.32			19-Sep-2005		8.375%		NJ - 80.00%		Paid Off - 360		01-Feb-2005
412157337 2			136,000.00		134,866.08			28-Sep-2005		5.850%		CA - 51.71%		Paid Off - 360		01-Feb-2005
412157337 2					134,866.08			28-Sep-2005		5.850%		CA - 51.71%		Paid Off - 360		01-Feb-2005
412158360 2			178,500.00		177,726.72			07-Oct-2005		8.500%		IL - 85.00%		Paid Off - 360		01-Mar-2005
412158360 2					177,726.72			07-Oct-2005		8.500%		IL - 85.00%		Paid Off - 360		01-Mar-2005
412160027 2			340,000.00		338,009.74			04-Oct-2005		6.990%		CA - 80.00%		Paid Off - 360		01-Mar-2005
412160027 2					338,009.74			04-Oct-2005		6.990%		CA - 80.00%		Paid Off - 360		01-Mar-2005
412169627 2			103,000.00		102,296.97			14-Oct-2005		6.899%		MO - 72.03%		Paid Off - 360		01-Feb-2005
412169627 2					102,296.97			14-Oct-2005		6.899%		MO - 72.03%		Paid Off - 360		01-Feb-2005
412170623 1			205,000.00		203,777.06			27-Sep-2005		6.890%		MD - 85.77%		Paid Off - 360		01-Mar-2005
412170623 1					203,777.06			27-Sep-2005		6.890%		MD - 85.77%		Paid Off - 360		01-Mar-2005
412170799 1			194,400.00		194,394.82			29-Sep-2005		6.490%		AZ - 80.00%		Paid Off - 360		01-Feb-2005
412170799 1					194,394.82			29-Sep-2005		6.490%		AZ - 80.00%		Paid Off - 360		01-Feb-2005
412202106 1		FCL	109,800.00		109,063.65			05-Oct-2005		6.990%		CA - 66.55%		Paid Off - 360		01-Feb-2005
412202106 1		FCL			109,063.65			05-Oct-2005		6.990%		CA - 66.55%		Paid Off - 360		01-Feb-2005
412214040 2			96,000.00		95,539.02			10-Oct-2005		7.990%		VA - 64.00%		Paid Off - 360		01-Mar-2005
412214040 2					95,539.02					7.990%		VA - 64.00%		Paid Off - 360


Page 20 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution

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

412225497 2			77,000.00		76,713.95			30-Sep-2005		9.250%		MD - 70.00%		Paid Off - 360		01-Mar-2005
			77,000.00

412290163 1			357,000.00		356,852.59			06-Oct-2005		6.875%		MA - 87.72%		Paid Off - 360		01-Mar-2005
412290163 1					356,852.59			06-Oct-2005		6.875%		MA - 87.72%		Paid Off - 360		01-Mar-2005
412290621 2			195,500.00		194,562.97			14-Oct-2005		7.999%		MD - 85.00%		Paid Off - 360		01-Mar-2005
412290621 2					194,562.97			14-Oct-2005		7.999%		MD - 85.00%		Paid Off - 360		01-Mar-2005
412302084 2			78,800.00		78,457.92			29-Sep-2005		8.490%		TX - 80.00%		Paid Off - 360		01-Mar-2005
412302084 2					78,457.92			29-Sep-2005		8.490%		TX - 80.00%		Paid Off - 360		01-Mar-2005
501043363 2			105,000.00		104,440.76			19-Sep-2005		7.500%		CA - 89.74%		Paid Off - 360		01-Mar-2005
501043363 2					104,440.76			19-Sep-2005		7.500%		CA - 89.74%		Paid Off - 360		01-Mar-2005
501044575 2			292,500.00		290,581.88			11-Oct-2005		6.399%		NV - 90.00%		Paid Off - 360		01-Mar-2005
501044575 2					290,581.88			11-Oct-2005		6.399%		NV - 90.00%		Paid Off - 360		01-Mar-2005
501044593 2			88,000.00		87,378.47			03-Oct-2005		7.990%		OR - 63.77%		Paid Off - 360		01-Mar-2005
501044593 2					87,378.47			03-Oct-2005		7.990%		OR - 63.77%		Paid Off - 360		01-Mar-2005
501054964 2			92,000.00		91,487.96			03-Oct-2005		7.250%		FL - 69.17%		Paid Off - 360		01-Mar-2005
501054964 2					91,487.96			03-Oct-2005		7.250%		FL - 69.17%		Paid Off - 360		01-Mar-2005
501055707 1			156,800.00		156,799.93			07-Oct-2005		6.875%		VA - 80.00%		Paid Off - 360		01-Mar-2005
501055707 1					156,799.93			07-Oct-2005		6.875%		VA - 80.00%		Paid Off - 360		01-Mar-2005
501066428 1			236,250.00		235,173.44			03-Oct-2005		8.250%		FL - 75.00%		Paid Off - 360		01-Mar-2005
501066428 1					235,173.44			03-Oct-2005		8.250%		FL - 75.00%		Paid Off - 360		01-Mar-2005
501067023 2			168,000.00		167,084.05			12-Oct-2005		7.500%		CA - 76.02%		Paid Off - 360		01-Mar-2005
501067023 2					167,084.05			12-Oct-2005		7.500%		CA - 76.02%		Paid Off - 360		01-Mar-2005
501078459 2			149,200.00		148,169.19			19-Sep-2005		6.125%		CA - 80.65%		Paid Off - 360		01-Mar-2005
501078459 2					148,169.19			19-Sep-2005		6.125%		CA - 80.65%		Paid Off - 360		01-Mar-2005
501078702 2			80,000.00		79,275.42			03-Oct-2005		7.125%		FL - 80.00%		Paid Off - 360		01-Mar-2005
501078702 2					79,275.42			03-Oct-2005		7.125%		FL - 80.00%		Paid Off - 360		01-Mar-2005
501100030 1			81,000.00		80,611.05			05-Oct-2005		7.990%		CA - 45.00%		Paid Off - 360		01-Mar-2005
501100030 1					80,611.05			05-Oct-2005		7.990%		CA - 45.00%		Paid Off - 360		01-Mar-2005
501100050 1			272,000.00		272,000.00			30-Sep-2005		7.200%		CA - 80.00%		Paid Off - 360		01-Mar-2005
501100050 1					272,000.00			30-Sep-2005		7.200%		CA - 80.00%		Paid Off - 360		01-Mar-2005
501100137 1			350,000.00		347,905.92			29-Sep-2005		6.875%		NJ - 87.50%		Paid Off - 360		01-Mar-2005
501100137 1					347,905.92			29-Sep-2005		6.875%		NJ - 87.50%		Paid Off - 360		01-Mar-2005
501111986 2			288,000.00		286,056.97			30-Sep-2005		6.250%		ME - 80.00%		Paid Off - 360		01-Mar-2005
501111986 2					286,056.97			30-Sep-2005		6.250%		ME - 80.00%		Paid Off - 360		01-Mar-2005
501112667 1			92,000.00		91,558.20			06-Oct-2005		7.990%		TN - 80.00%		Paid Off - 360		01-Mar-2005
501112667 1					91,558.20			06-Oct-2005		7.990%		TN - 80.00%		Paid Off - 360		01-Mar-2005
501124366 1			136,000.00		135,410.74			05-Oct-2005		8.499%		NV - 80.00%		Paid Off - 360		01-Mar-2005
501124366 1					135,410.74			05-Oct-2005		8.499%		NV - 80.00%		Paid Off - 360		01-Mar-2005
501124828 2			100,000.00		99,387.04			04-Oct-2005		6.750%		MD - 80.00%		Paid Off - 360		01-Mar-2005
501124828 2					99,387.04			04-Oct-2005		6.750%		MD - 80.00%		Paid Off - 360		01-Mar-2005
501124947 2			102,000.00		101,460.06			29-Sep-2005		7.500%		CA - 62.96%		Paid Off - 360		01-Mar-2005
501124947 2					101,460.06			29-Sep-2005		7.500%		CA - 62.96%		Paid Off - 360		01-Mar-2005
501135966 2			60,000.00		59,782.99			07-Oct-2005		9.379%		MI - 83.33%		Paid Off - 360		01-Mar-2005
501135966 2					59,782.99			07-Oct-2005		9.379%		MI - 83.33%		Paid Off - 360		01-Mar-2005
501147991 1			208,000.00		208,000.00			12-Oct-2005		6.875%		WA - 80.00%		Paid Off - 360		01-Mar-2005
501147991 1					208,000.00			12-Oct-2005		6.875%		WA - 80.00%		Paid Off - 360		01-Mar-2005
501148166 1			142,500.00		141,726.72			10-Oct-2005		7.375%		IL - 75.00%		Paid Off - 360		01-Mar-2005
501148166 1					141,726.72			10-Oct-2005		7.375%		IL - 75.00%		Paid Off - 360		01-Mar-2005
501148215 2			98,600.00		98,038.11			04-Oct-2005		7.125%		FL - 88.35%		Paid Off - 360		01-Mar-2005
501148215 2					98,038.11			04-Oct-2005		7.125%		FL - 88.35%		Paid Off - 360		01-Mar-2005
501178968 2			104,400.00		103,899.62			10-Oct-2005		7.999%		OH - 90.00%		Paid Off - 360		01-Mar-2005
501178968 2					103,899.62			10-Oct-2005		7.999%		OH - 90.00%		Paid Off - 360		01-Mar-2005
501215833 1			78,400.00		77,974.63			28-Sep-2005		7.375%		WI - 80.00%		Paid Off - 360		01-Mar-2005
501215833 1					77,974.63			28-Sep-2005		7.375%		WI - 80.00%		Paid Off - 360		01-Mar-2005
501246854 2			132,000.00		131,398.45			07-Oct-2005		8.250%		MN - 80.00%		Paid Off - 360		01-Mar-2005
501246854 2					131,398.45			07-Oct-2005		8.250%		MN - 80.00%		Paid Off - 360		01-Mar-2005
501247072 1			186,000.00		182,893.61			03-Oct-2005		6.990%		CA - 79.15%		Paid Off - 360		01-Mar-2005
501247072 1					182,893.61			03-Oct-2005		6.990%		CA - 79.15%		Paid Off - 360		01-Mar-2005
501261048 1			176,000.00		176,000.00			03-Oct-2005		6.990%		AZ - 80.00%		Paid Off - 360		01-Mar-2005
501261048 1					176,000.00			03-Oct-2005		6.990%		AZ - 80.00%		Paid Off - 360		01-Mar-2005
501272466 2			174,400.00		173,493.10			29-Sep-2005		7.590%		IL - 80.00%		Paid Off - 360		01-Mar-2005
501272466 2					173,493.10			29-Sep-2005		7.590%		IL - 80.00%		Paid Off - 360		01-Mar-2005


TOTAL			26,916,063.00		26,602,603.42
TOTAL


Page 21 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution
Realized Loss Report

COLLATERAL REALIZED LOSSES



											Group 2		Group 1		Total


Current
Current



Number of Loans Liquidated										0		0		0
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

Cumulative
Cumulative



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










Page 22 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution


DEFAULT SPEEDS



											Group 2		Group 1		Total



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


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


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


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 23 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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 24 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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)




TOTAL



Page 25 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 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?								0

						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
						(2) Stated Principal Balance								772,114,174.78
						60+ Day Delinquency % ( (1)/(2) )								0.825648%
						(3) 37% of Senior Enhancement %								7.577668%

						(ii) The quotient of ( (4)/(5) > (6))
						(4) Aggregate Cumulative Realized Loss								0.00
						(5) Cutoff Date Pool Principal Balance								917,229,180.17
						Trigger Event Loss % ( (4)/(5) )								0.000000%
						(6) Applicable Loss %								100.000000%


ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK



ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 2		Group 1		Total
Current LIBOR Rate														3.830000%
Next LIBOR Rate														0.000000%




Page 26 of 27
Accredited Mortgage Loan Trust 2005-1

Asset Backed Notes
Asset Backed Notes
2005-1

October 25, 2005 Distribution
Other Related Information
ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 2		Group 1		Total
Current Scheduled Payments														5,263,654.90
Current Scheduled Payments 1 Month Prior														5,435,762.25
Current Scheduled Payments 2 Month Prior														5,624,080.49
Current Scheduled Payments 3 Month Prior														5,776,281.00
Current Scheduled Payments 4 Month Prior														5,872,213.43
Current Scheduled Payments 5 Month Prior														5,949,291.59
Current Scheduled Payments 6 Month Prior														6,027,237.09
Current Scheduled Payments 7 Month Prior														6,057,863.94
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														55,064.47
Delinq. 60+ Sched. Pmnts, 1 Month Prior														46,747.12
Delinq. 60+ Sched. Pmnts, 2 Month Prior														34,591.93
Delinq. 60+ Sched. Pmnts, 3 Month Prior														27,066.62
Delinq. 60+ Sched. Pmnts, 4 Month Prior														15,965.11
Delinq. 60+ Sched. Pmnts, 5 Month Prior														8,741.33
Delinq. 60+ Sched. Pmnts, 6 Month Prior														611.86
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




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Accredited Mortgage Loan Trust 2005-1 8-K