
                                     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 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
     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 2005-2

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

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)
				Lehman Brothers


										Total Number of Pages					27
										Total Number of Pages

				Dates						Contacts

				Cut-Off Date:			May 01, 2005			Hang Luu
				Close Date:			May 26, 2005			Administrator
				First Distribution Date:			June 27, 2005			(714) 247-6000
										hang-thai.luu@db.com
										hang-thai.luu@db.com
										Address:
										1761 East St. Andrew Place, Santa Ana, CA 92705
				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 2005-2

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

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-1	FLT	$	187,263,000.00		173,019,950.24		564,477.59		7,486,330.97		8,050,808.56		0.00		0.00		165,533,619.27
A-1	FLT	$	187,263,000.00		173,019,950.24		564,477.59		7,486,330.97		8,050,808.56		0.00		0.00		165,533,619.27
A-2A	FLT	$	287,445,000.00		233,465,830.32		739,113.91		21,837,626.28		22,576,740.19		0.00		0.00		211,628,204.04
A-2B	FLT	$	294,222,000.00		294,222,000.00		957,529.15		0.00		957,529.15		0.00		0.00		294,222,000.00
A-2C	FLT	$	71,582,000.00		71,582,000.00		241,032.50		0.00		241,032.50		0.00		0.00		71,582,000.00
M-1	MEZ	$	32,250,000.00		32,250,000.00		109,891.88		0.00		109,891.88		0.00		0.00		32,250,000.00
M-2	MEZ	$	28,722,000.00		28,722,000.00		98,795.70		0.00		98,795.70		0.00		0.00		28,722,000.00
M-3	MEZ	$	18,141,000.00		18,141,000.00		62,984.54		0.00		62,984.54		0.00		0.00		18,141,000.00
M-4	MEZ	$	16,629,000.00		16,629,000.00		59,342.43		0.00		59,342.43		0.00		0.00		16,629,000.00
M-5	MEZ	$	15,621,000.00		15,621,000.00		56,122.78		0.00		56,122.78		0.00		0.00		15,621,000.00
M-6	MEZ	$	12,598,000.00		12,598,000.00		45,769.23		0.00		45,769.23		0.00		0.00		12,598,000.00
M-7	MEZ	$	11,085,000.00		11,085,000.00		44,290.73		0.00		44,290.73		0.00		0.00		11,085,000.00
M-8	MEZ	$	8,063,000.00		8,063,000.00		32,995.59		0.00		32,995.59		0.00		0.00		8,063,000.00
M-9	MEZ	$	10,078,000.00		10,078,000.00		44,245.22		0.00		44,245.22		0.00		0.00		10,078,000.00
M-10	MEZ	$	6,047,000.00		6,047,000.00		30,834.66		0.00		30,834.66		0.00		0.00		6,047,000.00
M-11	MEZ	$	8,062,000.00		8,062,000.00		41,109.48		0.00		41,109.48		0.00		0.00		8,062,000.00
TRUST	EXE	$	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			1,007,808,000.00		939,585,780.56		3,128,535.39		29,323,957.25		32,452,492.64		0.00		0.00		910,261,823.31
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	09/26/05		10/24/05		A-Act/360		004375CZ2		187,263,000.00		923.940929		3.014357		39.977630		42.991988	883.963299
A-2A	09/26/05		10/24/05		A-Act/360		004375DA6		287,445,000.00		812.210441		2.571323		75.971495		78.542818	736.238947
A-2B	09/26/05		10/24/05		A-Act/360		004375DB4		294,222,000.00		1,000.000000		3.254444		0.000000		3.254444	1,000.000000
A-2C	09/26/05		10/24/05		A-Act/360		004375DC2		71,582,000.00		1,000.000000		3.367222		0.000000		3.367222	1,000.000000
M-1	09/26/05		10/24/05		A-Act/360		004375DD0		32,250,000.00		1,000.000000		3.407500		0.000000		3.407500	1,000.000000
M-2	09/26/05		10/24/05		A-Act/360		004375DE8		28,722,000.00		1,000.000000		3.439722		0.000000		3.439722	1,000.000000
M-3	09/26/05		10/24/05		A-Act/360		004375DF5		18,141,000.00		1,000.000000		3.471944		0.000000		3.471944	1,000.000000
M-4	09/26/05		10/24/05		A-Act/360		004375DG3		16,629,000.00		1,000.000000		3.568611		0.000000		3.568611	1,000.000000
M-5	09/26/05		10/24/05		A-Act/360		004375DH1		15,621,000.00		1,000.000000		3.592778		0.000000		3.592778	1,000.000000
M-6	09/26/05		10/24/05		A-Act/360		004375DJ7		12,598,000.00		1,000.000000		3.633055		0.000000		3.633055	1,000.000000
M-7	09/26/05		10/24/05		A-Act/360		004375DK4		11,085,000.00		1,000.000000		3.995555		0.000000		3.995555	1,000.000000
M-8	09/26/05		10/24/05		A-Act/360		004375DL2		8,063,000.00		1,000.000000		4.092222		0.000000		4.092222	1,000.000000
M-9	09/26/05		10/24/05		A-Act/360		004375DM0		10,078,000.00		1,000.000000		4.390278		0.000000		4.390278	1,000.000000
M-10	09/26/05		10/24/05		A-Act/360		004375DN8		6,047,000.00		1,000.000000		5.099167		0.000000		5.099167	1,000.000000
M-11	09/26/05		10/24/05		A-Act/360		004375DP3		8,062,000.00		1,000.000000		5.099166		0.000000		5.099166	1,000.000000
TRUST	09/01/05		09/30/05		A-30/360		AC0502001		0.00		0.000000		0.000000		0.000000		0.000000	0.000000




Page 2 of 27
Accredited Mortgage Loan Trust 2005-2

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

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-1	187,263,000.00		2,809,662.41		20,955,948.74		773,431.99		21,729,380.73		24,539,043.14		0.00		0.00		165,533,619.27
A-2A	287,445,000.00		3,972,656.64		73,147,949.66		2,668,846.29		75,816,795.96		79,789,452.60		0.00		0.00		211,628,204.04
A-2B	294,222,000.00		4,564,140.35		0.00		0.00		0.00		4,564,140.35		0.00		0.00		294,222,000.00
A-2C	71,582,000.00		1,152,733.94		0.00		0.00		0.00		1,152,733.94		0.00		0.00		71,582,000.00
M-1	32,250,000.00		526,152.17		0.00		0.00		0.00		526,152.17		0.00		0.00		32,250,000.00
M-2	28,722,000.00		473,444.38		0.00		0.00		0.00		473,444.38		0.00		0.00		28,722,000.00
M-3	18,141,000.00		302,094.33		0.00		0.00		0.00		302,094.33		0.00		0.00		18,141,000.00
M-4	16,629,000.00		285,341.00		0.00		0.00		0.00		285,341.00		0.00		0.00		16,629,000.00
M-5	15,621,000.00		270,023.14		0.00		0.00		0.00		270,023.14		0.00		0.00		15,621,000.00
M-6	12,598,000.00		220,427.43		0.00		0.00		0.00		220,427.43		0.00		0.00		12,598,000.00
M-7	11,085,000.00		215,015.94		0.00		0.00		0.00		215,015.94		0.00		0.00		11,085,000.00
M-8	8,063,000.00		160,483.40		0.00		0.00		0.00		160,483.40		0.00		0.00		8,063,000.00
M-9	10,078,000.00		216,333.41		0.00		0.00		0.00		216,333.41		0.00		0.00		10,078,000.00
M-10	6,047,000.00		152,272.30		0.00		0.00		0.00		152,272.30		0.00		0.00		6,047,000.00
M-11	8,062,000.00		203,012.95		0.00		0.00		0.00		203,012.95		0.00		0.00		8,062,000.00
TRUST	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total	1,007,808,000.00		15,523,793.79		94,103,898.40		3,442,278.28		97,546,176.69		113,069,970.48		0.00		0.00		910,261,823.31


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	4.05000%		173,019,950.24		564,477.59		0.00		0.00		0.00		564,477.59		564,477.59		0.00
A-2A	3.93000%		233,465,830.32		739,113.91		0.00		0.00		0.00		739,113.91		739,113.91		0.00
A-2B	4.04000%		294,222,000.00		957,529.15		0.00		0.00		0.00		957,529.15		957,529.15		0.00
A-2C	4.18000%		71,582,000.00		241,032.50		0.00		0.00		0.00		241,032.50		241,032.50		0.00
M-1	4.23000%		32,250,000.00		109,891.88		0.00		0.00		0.00		109,891.88		109,891.88		0.00
M-2	4.27000%		28,722,000.00		98,795.70		0.00		0.00		0.00		98,795.70		98,795.70		0.00
M-3	4.31000%		18,141,000.00		62,984.54		0.00		0.00		0.00		62,984.54		62,984.54		0.00
M-4	4.43000%		16,629,000.00		59,342.43		0.00		0.00		0.00		59,342.43		59,342.43		0.00
M-5	4.46000%		15,621,000.00		56,122.78		0.00		0.00		0.00		56,122.78		56,122.78		0.00
M-6	4.51000%		12,598,000.00		45,769.23		0.00		0.00		0.00		45,769.23		45,769.23		0.00
M-7	4.96000%		11,085,000.00		44,290.73		0.00		0.00		0.00		44,290.73		44,290.73		0.00
M-8	5.08000%		8,063,000.00		32,995.59		0.00		0.00		0.00		32,995.59		32,995.59		0.00
M-9	5.45000%		10,078,000.00		44,245.22		0.00		0.00		0.00		44,245.22		44,245.22		0.00
M-10	6.33000%		6,047,000.00		30,834.66		0.00		0.00		0.00		30,834.66		30,834.66		0.00
M-11	6.33000%		8,062,000.00		41,109.48		0.00		0.00		0.00		41,109.48		41,109.48		0.00
TRUST	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			939,585,780.56		3,128,535.39		0.00		0.00		0.00		3,128,535.39		3,128,535.39		0.00



Page 3 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
										Group 2		Group 1		Total
Principal Collections										20,027,747.90		6,865,872.12		26,893,620.02
Principal Withdrawals										0.00		0.00		0.00
Principal Other Accounts										0.00		0.00		0.00
TOTAL NET PRINCIPAL										20,027,747.90		6,865,872.12		26,893,620.02
Interest Collections										4,142,276.13		1,201,532.01		5,343,808.14
Interest Withdrawals										-0.00		-0.00		-0.00
Interest Fees										-59,189.02		-16,064.33		-75,253.35
Interest Other Accounts														290,317.83
TOTAL NET INTEREST										4,083,087.10		1,185,467.68		5,558,872.62
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION														32,452,492.64



PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
											Group 2		Group 1		Total
Scheduled Principal Received											513,686.84		153,540.74		667,227.58
Curtailments											30,581.27		12,444.89		43,026.16
Prepayments In Full											19,483,479.79		6,699,886.49		26,183,366.28
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											-430,089.54		-128,773.73		-558,863.27
Realized Losses											-0.00		-0.00		-0.00
Advanced Principal											430,089.54		128,773.73		558,863.27
TOTAL PRINCIPAL COLLECTED											20,027,747.90		6,865,872.12		26,893,620.02


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 2005-2

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

October 25, 2005 Distribution

INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
										Group 2		Group 1		Total
Scheduled Interest										4,401,036.16		1,274,151.81		5,675,187.97
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										-9,991.67		-4,604.38		-14,596.05
Delinquent Interest										-3,594,601.63		-1,043,843.09		-4,638,444.72
Compensating Interest										9,991.67		4,604.38		14,596.05
Civil Relief Act Shortfalls										-0.00		-0.00		-0.00
Interest Advanced										3,335,841.59		971,223.29		4,307,064.88
TOTAL INTEREST COLLECTED										4,142,276.13		1,201,532.01		5,343,808.14


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														524,949.42
Net Swap Payment														(234,631.59)
TOTAL INTEREST OTHER ACCOUNTS														290,317.83



INTEREST - FEES

										Group 2		Group 1		Total
Current Servicing Fees										57,961.76		15,710.54		73,672.31
Tax Fees														0.00
Trustee Fees										1,227.26		353.79		1,581.04
TOTAL INTEREST FEES										59,189.02		16,064.33		75,253.35




Page 5 of 27
Accredited Mortgage Loan Trust 2005-2

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

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														11,470,875.53
Overcollateralization Reduction Amount														0.00
Overcollateralization Deficiency Amount														622,830.40
Overcollateralization Target Amount														12,093,705.93




Page 6 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution
Collateral Report


COLLATERAL



											Group 2		Group 1		Total



Loan Count:


Original										4,363		1,635		5,998
Prior										4,157		1,573		5,730
Prefunding										0		0		0
Scheduled Paid Offs										-0		-0		-0
Full Voluntary Prepayments										-87		-38		-125
Repurchases										-0		-0		-0
Liquidations										-0		-0		-0
Current										4,070		1,535		5,605
Principal Balance:


Original										783,272,476.25		224,536,351.26		1,007,808,827.51
Prior										736,355,106.96		212,271,211.90		948,626,318.86
Prefunding										0.00		0.00		0.00
Scheduled Principal										-513,686.84		-153,540.74		-667,227.58
Partial Prepayments										-30,581.27		-12,444.89		-43,026.16
Full Voluntary Prepayments										-19,483,479.79		-6,699,886.49		-26,183,366.28
Repurchases										-0.00		-0.00		-0.00
Liquidations										-0.00		-0.00		-0.00
Current										716,327,359.06		205,405,339.78		921,732,698.84





PREFUNDING

SPACE INTENTIONALLY LEFT BLANK






Page 7 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Coupon Original										7.18400%		7.19822%		7.18717%
Weighted Average Coupon Prior										7.17422%		7.19865%		7.17965%
Weighted Average Coupon Current										7.17214%		7.20297%		7.17904%
Weighted Average Months to Maturity Original										352		351		352
Weighted Average Months to Maturity Prior										349		347		348
Weighted Average Months to Maturity Current										347		346		347
Weighted Avg Remaining Amortization Term Original										352		351		352
Weighted Avg Remaining Amortization Term Prior										349		347		348
Weighted Avg Remaining Amortization Term Current										347		346		347
Weighted Average Seasoning Original										1.98		2.01		1.98
Weighted Average Seasoning Prior										4.97		4.99		4.97
Weighted Average Seasoning Current										5.96		5.98		5.96









Page 8 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 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										5.76866%		5.70975%		5.75417%
Weighted Average Margin Current										5.76432%		5.71180%		5.75136%
Weighted Average Max Rate Original										14.25465%		14.19235%		14.23933%
Weighted Average Max Rate Prior										14.24344%		14.19119%		14.23059%
Weighted Average Max Rate Current										14.23961%		14.19217%		14.22791%
Weighted Average Min Rate Original										72.42682%		71.85412%		72.28595%
Weighted Average Min Rate Prior										72.32668%		71.83938%		72.20682%
Weighted Average Min Rate Current										72.28546%		71.84757%		72.17741%
Weighted Average Cap Up Original										1.49607%		1.49528%		1.49588%
Weighted Average Cap Up Prior										1.49591%		1.49508%		1.49571%
Weighted Average Cap Up Current										1.49619%		1.49498%		1.49589%
Weighted Average Cap Down Original										1.49607%		1.49528%		1.49588%
Weighted Average Cap Down Prior										1.49591%		1.49508%		1.49571%
Weighted Average Cap Down Current										1.49619%		1.49498%		1.49589%




SERVICING FEES & ADVANCES

											Group 2		Group 1		Total




Current Servicing Fees										57,961.76		15,710.54		73,672.31
Delinquent Servicing Fees										248,833.47		72,154.73		320,988.20
TOTAL SERVICING FEES										306,795.23		87,865.27		394,660.52


Total Servicing Fees										306,795.23		87,865.27		394,660.52
Compensating Interest										-9,991.67		-4,604.38		-14,596.05
Delinquent Servicing Fees										-248,833.47		-72,154.73		-320,988.20
COLLECTED SERVICING FEES										47,408.43		11,667.84		59,076.27


Total Advanced Interest										3,335,841.59		971,223.29		4,307,064.88
Total Advanced Principal										430,089.54		128,773.73		558,863.27
Aggregate Advances with respect to this Distribution										3,765,931.13		1,099,997.02		4,865,928.14





ADDITIONAL COLLATERAL INFORMATION
										Group 2		Group 1		Total
Prepayment Interest Shortfall (PPIS)										9,991.67		4,604.38		14,596.05
Compensating Interest										-9,991.67		-4,604.38		-14,596.05
Net Prepayment Interest Shortfall (PPIS)										0.00		0.00		0.00

Ending Pool Stated Principal Balance										716,327,359.06		205,405,339.78		921,732,698.84
Weighted Average Net Mortgage Rate										6.653997%		6.701621%		6.664654%




Page 9 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				8,340,356.26		1,025,836.88		649,309.58		10,015,502.72
			% Balance				0.90%		0.11%		0.07%		1.09%
			# Loans				55		7		5		67
			% # Loans				0.98%		0.12%		0.09%		1.20%
	FORECLOSURE		Balance		0.00		0.00		168,364.96		2,453,233.55		2,621,598.51
			% Balance		0.00%		0.00%		0.02%		0.27%		0.28%
			# Loans		0		0		1		13		14
			% # Loans		0.00%		0.00%		0.02%		0.23%		0.25%
	BANKRUPTCY		Balance		87,631.33		353,271.44		0.00		200,532.81		641,435.58
			% Balance		0.01%		0.04%		0.00%		0.02%		0.07%
			# Loans		1		3		0		1		5
			% # Loans		0.02%		0.05%		0.00%		0.02%		0.09%
	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		87,631.33		8,693,627.70		1,194,201.84		3,303,075.94		13,278,536.81
			% Balance		0.01%		0.94%		0.13%		0.36%		1.44%
			# Loans		1		58		8		19		86
			% # Loans		0.02%		1.03%		0.14%		0.34%		1.53%









Page 10 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution


	GROUP 1
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				1,510,336.17		203,530.81		126,964.45		1,840,831.43
			% Balance				0.74%		0.10%		0.06%		0.90%
			# Loans				14		1		2		17
			% # Loans				0.91%		0.07%		0.13%		1.11%
	FORECLOSURE		Balance		0.00		0.00		0.00		225,748.44		225,748.44
			% Balance		0.00%		0.00%		0.00%		0.11%		0.11%
			# Loans		0		0		0		2		2
			% # Loans		0.00%		0.00%		0.00%		0.13%		0.13%
	BANKRUPTCY		Balance		87,631.33		0.00		0.00		200,532.81		288,164.14
			% Balance		0.04%		0.00%		0.00%		0.10%		0.14%
			# Loans		1		0		0		1		2
			% # Loans		0.07%		0.00%		0.00%		0.07%		0.13%
	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		87,631.33		1,510,336.17		203,530.81		553,245.70		2,354,744.01
			% Balance		0.04%		0.74%		0.10%		0.27%		1.15%
			# Loans		1		14		1		5		21
			% # Loans		0.07%		0.91%		0.07%		0.33%		1.37%










Page 11 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution

	GROUP 2
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				6,830,020.09		822,306.07		522,345.13		8,174,671.29
			% Balance				0.95%		0.11%		0.07%		1.14%
			# Loans				41		6		3		50
			% # Loans				1.01%		0.15%		0.07%		1.23%
	FORECLOSURE		Balance		0.00		0.00		168,364.96		2,227,485.11		2,395,850.07
			% Balance		0.00%		0.00%		0.02%		0.31%		0.33%
			# Loans		0		0		1		11		12
			% # Loans		0.00%		0.00%		0.02%		0.27%		0.29%
	BANKRUPTCY		Balance		0.00		353,271.44		0.00		0.00		353,271.44
			% Balance		0.00%		0.05%		0.00%		0.00%		0.05%
			# Loans		0		3		0		0		3
			% # Loans		0.00%		0.07%		0.00%		0.00%		0.07%
	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		7,183,291.53		990,671.03		2,749,830.24		10,923,792.80
			% Balance		0.00%		1.00%		0.14%		0.38%		1.52%
			# Loans		0		44		7		14		65
			% # Loans		0.00%		1.08%		0.17%		0.34%		1.60%









Page 12 of 27
Accredited Mortgage Loan Trust 2005-2

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

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




TOTAL


Page 13 of 27
Accredited Mortgage Loan Trust 2005-2

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

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
412236761 1
412236761 1			155,000.00		153,978.90		01-May-2005		6.375%		TX - 77.50%		360		01-Apr-2005

502142918 1			72,000.00		71,769.54		01-May-2005		8.299%		IN - 80.00%		360		01-May-2005
501192072 2			106,250.00		105,550.73		01-May-2005		7.125%		MI - 85.00%		360		01-Mar-2005
501192306 2			168,000.00		167,473.12		01-May-2005		8.399%		CA - 78.14%		360		01-Jun-2005
501261559 2			285,600.00		284,393.90		01-May-2005		8.625%		CA - 80.00%		360		01-Apr-2005
502029035 2			100,000.00		99,430.15		01-May-2005		7.125%		GA - 80.00%		360		01-Apr-2005
502221934 2			169,000.00		168,364.96		01-Jun-2005		7.500%		VA - 83.25%		360		01-Jun-2005
503022714 2			296,000.00		294,593.39		01-May-2005		7.250%		FL - 80.00%		360		01-May-2005
503230976 2			186,400.00		185,967.65		01-May-2005		8.765%		TX - 80.00%		360		01-Jun-2005
503285784 2			168,000.00		167,470.99		01-May-2005		7.250%		GA - 80.00%		360		01-Jun-2005
503308783 2			122,000.00		121,508.77		01-May-2005		7.150%		FL - 77.22%		360		01-Jun-2005
504089073 2			440,000.00		438,777.78		01-May-2005		7.879%		IN - 80.00%		360		01-Jun-2005
504089205 2			252,000.00		251,442.02		01-May-2005		8.990%		GA - 80.00%		360		01-Jun-2005
504134806 2			111,200.00		110,876.61		01-May-2005		7.650%		OH - 80.00%		360		01-Jun-2005


TOTAL			2,631,450.00		2,621,598.51


Page 14 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

											Group 2		Group 1		Total




Current


Number of Paid in Full Loans										87		38		125
Number of Repurchased Loans										0		0		0
Total Number of Loans Prepaid in Full										87		38		125
Curtailments Amount										30,581.27		12,444.89		43,026.16
Paid in Full Balance										19,483,479.79		6,699,886.49		26,183,366.28
Repurchased Loans Balance										0.00		0.00		0.00
Total Prepayment Amount										19,514,061.06		6,712,331.38		26,226,392.44

Cumulative


Number of Paid in Full Loans										287		99		386
Number of Repurchased Loans										3		1		4
Total Number of Loans Prepaid in Full										290		100		390
Paid in Full Balance										62,134,328.08		18,160,018.47		80,294,346.55
Repurchased Loans Balance										996,590.91		107,850.85		1,104,441.76
Curtailments Amount										159,391.28		72,532.08		231,923.36
Total Prepayment Amount										63,290,310.27		18,340,401.40		81,630,711.67










Page 15 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

											Group 2		Group 1		Total



SMM										2.65%		3.16%		2.77%
3 Months Avg SMM										2.28%		2.27%		2.28%
12 Months Avg SMM										1.70%		1.69%		1.70%
Avg SMM Since Cut-off										1.70%		1.69%		1.70%


CPR										27.57%		32.01%		28.59%
3 Months Avg CPR										24.16%		24.13%		24.16%
12 Months Avg CPR										18.62%		18.54%		18.61%
Avg CPR Since Cut-off										18.62%		18.54%		18.61%


PSA										2,313.32%		2,676.45%		2,396.70%
3 Months Avg PSA Approximation										2,433.59%		2,417.76%		2,430.05%
12 Months Avg PSA Approximation										2,346.51%		2,319.74%		2,340.51%
Avg PSA Since Cut-off Approximation										2,346.51%		2,319.74%		2,340.50%










Page 16 of 27
Accredited Mortgage Loan Trust 2005-2

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

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 2005-2

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

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

411233521 2			416,250.00		412,961.56			20-Sep-2005		6.250%		MA - 75.00%		Paid Off - 360		01-Feb-2005
			416,250.00

412301621 2			444,000.00		442,357.27			05-Oct-2005		8.500%		MA - 79.86%		Paid Off - 360		01-Apr-2005
412301621 2					442,357.27			05-Oct-2005		8.500%		MA - 79.86%		Paid Off - 360		01-Apr-2005
501044223 2			260,000.00		258,570.48			20-Sep-2005		6.500%		NJ - 80.00%		Paid Off - 360		01-Apr-2005
501044223 2					258,570.48			20-Sep-2005		6.500%		NJ - 80.00%		Paid Off - 360		01-Apr-2005
501078401 2			435,489.00		435,488.64			04-Oct-2005		6.875%		CA - 80.00%		Paid Off - 360		01-Mar-2005
501078401 2					435,488.64			04-Oct-2005		6.875%		CA - 80.00%		Paid Off - 360		01-Mar-2005
501112698 2			131,200.00		130,504.07			27-Sep-2005		7.490%		AZ - 80.00%		Paid Off - 360		01-Mar-2005
501112698 2					130,504.07			27-Sep-2005		7.490%		AZ - 80.00%		Paid Off - 360		01-Mar-2005
501112864 2			177,000.00		176,244.26			23-Sep-2005		7.790%		NJ - 61.89%		Paid Off - 360		01-Apr-2005
501112864 2					176,244.26			23-Sep-2005		7.790%		NJ - 61.89%		Paid Off - 360		01-Apr-2005
501123823 1			171,500.00		170,566.06			03-Oct-2005		6.550%		CT - 74.24%		Paid Off - 360		01-Apr-2005
501123823 1					170,566.06			03-Oct-2005		6.550%		CT - 74.24%		Paid Off - 360		01-Apr-2005
501148086 1			190,000.00		189,182.27			21-Sep-2005		7.750%		NJ - 80.00%		Paid Off - 360		01-Apr-2005
501148086 1					189,182.27			21-Sep-2005		7.750%		NJ - 80.00%		Paid Off - 360		01-Apr-2005
501192543 1			145,000.00		144,163.69			03-Oct-2005		6.250%		CA - 58.00%		Paid Off - 360		01-Apr-2005
501192543 1					144,163.69			03-Oct-2005		6.250%		CA - 58.00%		Paid Off - 360		01-Apr-2005
501193321 2			148,000.00		147,395.32			20-Sep-2005		8.010%		MD - 80.00%		Paid Off - 360		01-Apr-2005
501193321 2					147,395.32			20-Sep-2005		8.010%		MD - 80.00%		Paid Off - 360		01-Apr-2005
501203776 1			252,000.00		250,738.45			14-Oct-2005		6.999%		MA - 90.00%		Paid Off - 360		01-Apr-2005
501203776 1					250,738.45			14-Oct-2005		6.999%		MA - 90.00%		Paid Off - 360		01-Apr-2005
501204456 1			132,000.00		131,408.84			03-Oct-2005		7.550%		MD - 80.00%		Paid Off - 360		01-Apr-2005
501204456 1					131,408.84			03-Oct-2005		7.550%		MD - 80.00%		Paid Off - 360		01-Apr-2005
501204714 1			240,000.00		240,000.00			20-Sep-2005		6.625%		NJ - 80.00%		Paid Off - 360		01-Apr-2005
501204714 1					240,000.00			20-Sep-2005		6.625%		NJ - 80.00%		Paid Off - 360		01-Apr-2005
501215614 2			76,800.00		76,435.01			29-Sep-2005		7.250%		FL - 80.00%		Paid Off - 360		01-Apr-2005
501215614 2					76,435.01			29-Sep-2005		7.250%		FL - 80.00%		Paid Off - 360		01-Apr-2005
501250104 2			237,800.00		236,845.92			12-Oct-2005		8.100%		MD - 66.99%		Paid Off - 360		01-Apr-2005
501250104 2					236,845.92			12-Oct-2005		8.100%		MD - 66.99%		Paid Off - 360		01-Apr-2005
501262125 1			297,075.00		295,764.24			06-Oct-2005		7.625%		CA - 85.00%		Paid Off - 360		01-Apr-2005
501262125 1					295,764.24			06-Oct-2005		7.625%		CA - 85.00%		Paid Off - 360		01-Apr-2005
501262170 1			73,950.00		73,293.12			13-Oct-2005		7.250%		CA - 74.70%		Paid Off - 360		01-Apr-2005
501262170 1					73,293.12			13-Oct-2005		7.250%		CA - 74.70%		Paid Off - 360		01-Apr-2005
501272760 2			175,262.00		174,468.53			10-Oct-2005		7.499%		MD - 90.00%		Paid Off - 360		01-Apr-2005
501272760 2					174,468.53			10-Oct-2005		7.499%		MD - 90.00%		Paid Off - 360		01-Apr-2005
501273680 2			139,000.00		138,216.59			19-Sep-2005		6.490%		ID - 83.23%		Paid Off - 360		01-Apr-2005
501273680 2					138,216.59			19-Sep-2005		6.490%		ID - 83.23%		Paid Off - 360		01-Apr-2005
501315758 2			190,000.00		189,049.96			21-Sep-2005		6.990%		CA - 54.29%		Paid Off - 360		01-Apr-2005
501315758 2					189,049.96			21-Sep-2005		6.990%		CA - 54.29%		Paid Off - 360		01-Apr-2005
502016921 1			332,500.00		331,335.86			03-Oct-2005		8.770%		MA - 70.00%		Paid Off - 360		01-Apr-2005
502016921 1					331,335.86			03-Oct-2005		8.770%		MA - 70.00%		Paid Off - 360		01-Apr-2005
502017099 2			200,000.00		199,397.93			14-Oct-2005		9.500%		CA - 33.61%		Paid Off - 360		01-Apr-2005
502017099 2					199,397.93			14-Oct-2005		9.500%		CA - 33.61%		Paid Off - 360		01-Apr-2005
502028661 1			140,000.00		139,299.94			16-Sep-2005		6.990%		CT - 80.00%		Paid Off - 360		01-Apr-2005
502028661 1					139,299.94			16-Sep-2005		6.990%		CT - 80.00%		Paid Off - 360		01-Apr-2005
502029493 2			70,000.00		69,713.37			11-Oct-2005		7.999%		MO - 80.00%		Paid Off - 360		01-Apr-2005
502029493 2					69,713.37			11-Oct-2005		7.999%		MO - 80.00%		Paid Off - 360		01-Apr-2005
502030174 1			130,500.00		130,059.40			28-Sep-2005		8.990%		MD - 90.00%		Paid Off - 360		01-Apr-2005
502030174 1					130,059.40			28-Sep-2005		8.990%		MD - 90.00%		Paid Off - 360		01-Apr-2005
502030558 2			216,000.00		214,919.92			14-Oct-2005		6.990%		MD - 80.00%		Paid Off - 360		01-Apr-2005
502030558 2					214,919.92			14-Oct-2005		6.990%		MD - 80.00%		Paid Off - 360		01-Apr-2005
502030770 1			248,000.00		246,850.18			19-Sep-2005		7.375%		MA - 80.00%		Paid Off - 360		01-Apr-2005
502030770 1					246,850.18			19-Sep-2005		7.375%		MA - 80.00%		Paid Off - 360		01-Apr-2005
502042370 2			448,000.00		447,906.03			04-Oct-2005		5.500%		CA - 32.00%		Paid Off - 360		01-Apr-2005
502042370 2					447,906.03			04-Oct-2005		5.500%		CA - 32.00%		Paid Off - 360		01-Apr-2005
502042942 2			184,500.00		183,744.56			28-Sep-2005		7.999%		IN - 90.00%		Paid Off - 360		01-Apr-2005
502042942 2					183,744.56			28-Sep-2005		7.999%		IN - 90.00%		Paid Off - 360		01-Apr-2005
502043245 2			271,800.00		270,539.85			03-Oct-2005		7.375%		MD - 90.00%		Paid Off - 360		01-Apr-2005
502043245 2					270,539.85			03-Oct-2005		7.375%		MD - 90.00%		Paid Off - 360		01-Apr-2005
502073777 1			320,000.00		318,227.82			04-Oct-2005		7.300%		CA - 68.82%		Paid Off - 360		01-Apr-2005
502073777 1					318,227.82			04-Oct-2005		7.300%		CA - 68.82%		Paid Off - 360		01-Apr-2005
502074817 2			404,000.00		403,999.96			13-Oct-2005		6.500%		CA - 80.00%		Paid Off - 360		01-Apr-2005
502074817 2					403,999.96			13-Oct-2005		6.500%		CA - 80.00%		Paid Off - 360		01-Apr-2005
502085530 2			539,200.00		539,200.00			05-Oct-2005		6.875%		CA - 80.00%		Paid Off - 360		01-Apr-2005
502085530 2					539,200.00			05-Oct-2005		6.875%		CA - 80.00%		Paid Off - 360		01-Apr-2005
502085551 2			215,000.00		213,927.00			28-Sep-2005		7.000%		CA - 44.79%		Paid Off - 360		01-Apr-2005
502085551 2					213,927.00			28-Sep-2005		7.000%		CA - 44.79%		Paid Off - 360		01-Apr-2005
502085645 2			253,000.00		251,608.64			10-Oct-2005		6.500%		TN - 74.41%		Paid Off - 360		01-Apr-2005
502085645 2					251,608.64			10-Oct-2005		6.500%		TN - 74.41%		Paid Off - 360		01-Apr-2005
502085696 2			480,000.00		477,850.35			30-Sep-2005		7.550%		CA - 80.00%		Paid Off - 360		01-Apr-2005
502085696 2					477,850.35			30-Sep-2005		7.550%		CA - 80.00%		Paid Off - 360		01-Apr-2005
502086187 2			89,000.00		88,734.81			22-Sep-2005		8.650%		FL - 71.20%		Paid Off - 360		01-May-2005
502086187 2					88,734.81					8.650%		FL - 71.20%		Paid Off - 360


Page 18 of 27
Accredited Mortgage Loan Trust 2005-2

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

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

502086305 2			277,000.00		275,776.37			27-Sep-2005		6.675%		CA - 64.72%		Paid Off - 360		01-May-2005
			277,000.00

502097228 2			168,000.00		167,272.37			27-Sep-2005		8.275%		FL - 75.00%		Paid Off - 360		01-Apr-2005
502097228 2					167,272.37			27-Sep-2005		8.275%		FL - 75.00%		Paid Off - 360		01-Apr-2005
502100216 2			112,000.00		111,628.68			14-Oct-2005		8.125%		VA - 80.00%		Paid Off - 360		01-May-2005
502100216 2					111,628.68			14-Oct-2005		8.125%		VA - 80.00%		Paid Off - 360		01-May-2005
502109738 1			78,000.00		77,467.28			20-Sep-2005		7.875%		MD - 31.84%		Paid Off - 360		01-Apr-2005
502109738 1					77,467.28			20-Sep-2005		7.875%		MD - 31.84%		Paid Off - 360		01-Apr-2005
502111209 2			164,800.00		164,220.60			29-Sep-2005		8.750%		NC - 80.00%		Paid Off - 360		01-Apr-2005
502111209 2					164,220.60			29-Sep-2005		8.750%		NC - 80.00%		Paid Off - 360		01-Apr-2005
502143112 1			148,000.00		147,363.00			20-Sep-2005		7.750%		WI - 80.00%		Paid Off - 360		01-Apr-2005
502143112 1					147,363.00			20-Sep-2005		7.750%		WI - 80.00%		Paid Off - 360		01-Apr-2005
502143256 2			355,500.00		353,725.84			13-Oct-2005		7.000%		FL - 90.00%		Paid Off - 360		01-Apr-2005
502143256 2					353,725.84			13-Oct-2005		7.000%		FL - 90.00%		Paid Off - 360		01-Apr-2005
502143511 2			225,000.00		224,254.06			07-Oct-2005		8.125%		FL - 83.33%		Paid Off - 360		01-May-2005
502143511 2					224,254.06			07-Oct-2005		8.125%		FL - 83.33%		Paid Off - 360		01-May-2005
502144339 1			117,900.00		117,509.09			06-Oct-2005		8.125%		NM - 90.00%		Paid Off - 360		01-May-2005
502144339 1					117,509.09			06-Oct-2005		8.125%		NM - 90.00%		Paid Off - 360		01-May-2005
502154748 2			111,200.00		110,703.45			06-Oct-2005		6.990%		FL - 80.00%		Paid Off - 360		01-May-2005
502154748 2					110,703.45			06-Oct-2005		6.990%		FL - 80.00%		Paid Off - 360		01-May-2005
502154909 1			95,200.00		94,828.98			10-Oct-2005		7.499%		FL - 80.00%		Paid Off - 360		01-Apr-2005
502154909 1					94,828.98			10-Oct-2005		7.499%		FL - 80.00%		Paid Off - 360		01-Apr-2005
502155555 2			143,300.00		142,796.17			04-Oct-2005		8.750%		FL - 80.96%		Paid Off - 360		01-Apr-2005
502155555 2					142,796.17			04-Oct-2005		8.750%		FL - 80.96%		Paid Off - 360		01-Apr-2005
502156182 1			137,812.00		137,812.00			06-Oct-2005		6.650%		AZ - 80.00%		Paid Off - 360		01-Apr-2005
502156182 1					137,812.00			06-Oct-2005		6.650%		AZ - 80.00%		Paid Off - 360		01-Apr-2005
502167164 2			208,000.00		207,190.36			03-Oct-2005		8.250%		VA - 80.00%		Paid Off - 360		01-Apr-2005
502167164 2					207,190.36			03-Oct-2005		8.250%		VA - 80.00%		Paid Off - 360		01-Apr-2005
502167961 1			135,000.00		134,383.26			06-Oct-2005		7.450%		NV - 90.00%		Paid Off - 360		01-Apr-2005
502167961 1					134,383.26			06-Oct-2005		7.450%		NV - 90.00%		Paid Off - 360		01-Apr-2005
502178538 2			163,200.00		162,594.91			03-Oct-2005		8.490%		VA - 80.00%		Paid Off - 360		01-Apr-2005
502178538 2					162,594.91			03-Oct-2005		8.490%		VA - 80.00%		Paid Off - 360		01-Apr-2005
502178543 2			496,000.00		495,165.22			29-Sep-2005		11.350%		FL - 80.00%		Paid Off - 360		01-May-2005
502178543 2					495,165.22			29-Sep-2005		11.350%		FL - 80.00%		Paid Off - 360		01-May-2005
502178763 2			213,600.00		213,600.00			05-Oct-2005		6.990%		CA - 80.00%		Paid Off - 360		01-May-2005
502178763 2					213,600.00			05-Oct-2005		6.990%		CA - 80.00%		Paid Off - 360		01-May-2005
502178847 1			284,750.00		283,448.86			22-Sep-2005		6.500%		CA - 85.00%		Paid Off - 360		01-May-2005
502178847 1					283,448.86			22-Sep-2005		6.500%		CA - 85.00%		Paid Off - 360		01-May-2005
502179033 1			195,000.00		194,134.39			30-Sep-2005		6.650%		IL - 86.67%		Paid Off - 360		01-May-2005
502179033 1					194,134.39			30-Sep-2005		6.650%		IL - 86.67%		Paid Off - 360		01-May-2005
502180506 2			103,500.00		103,148.00			28-Sep-2005		7.999%		MI - 90.00%		Paid Off - 360		01-May-2005
502180506 2					103,148.00			28-Sep-2005		7.999%		MI - 90.00%		Paid Off - 360		01-May-2005
502180609 2			140,250.00		139,496.48			28-Sep-2005		6.625%		CA - 85.00%		Paid Off - 360		01-Apr-2005
502180609 2					139,496.48			28-Sep-2005		6.625%		CA - 85.00%		Paid Off - 360		01-Apr-2005
502181166 2			297,000.00		296,133.02			29-Sep-2005		8.750%		NJ - 90.00%		Paid Off - 360		01-May-2005
502181166 2					296,133.02			29-Sep-2005		8.750%		NJ - 90.00%		Paid Off - 360		01-May-2005
502181547 2			301,750.00		300,035.27			29-Sep-2005		6.990%		NV - 85.00%		Paid Off - 360		01-Apr-2005
502181547 2					300,035.27			29-Sep-2005		6.990%		NV - 85.00%		Paid Off - 360		01-Apr-2005
502223857 2			244,000.00		243,922.97			12-Oct-2005		5.320%		CA - 54.22%		Paid Off - 360		01-May-2005
502223857 2					243,922.97			12-Oct-2005		5.320%		CA - 54.22%		Paid Off - 360		01-May-2005
502289599 2			90,100.00		89,774.00			29-Sep-2005		7.690%		MI - 81.91%		Paid Off - 360		01-May-2005
502289599 2					89,774.00			29-Sep-2005		7.690%		MI - 81.91%		Paid Off - 360		01-May-2005
503011723 2			195,300.00		194,699.98			03-Oct-2005		8.500%		MD - 90.00%		Paid Off - 360		01-May-2005
503011723 2					194,699.98			03-Oct-2005		8.500%		MD - 90.00%		Paid Off - 360		01-May-2005
503011928 1			64,800.00		63,747.93			11-Oct-2005		6.799%		TX - 67.50%		Paid Off - 180		01-May-2005
503011928 1					63,747.93			11-Oct-2005		6.799%		TX - 67.50%		Paid Off - 180		01-May-2005
503012242 2			397,600.00		395,991.20			16-Sep-2005		7.125%		CA - 80.00%		Paid Off - 360		01-May-2005
503012242 2					395,991.20			16-Sep-2005		7.125%		CA - 80.00%		Paid Off - 360		01-May-2005
503022494 2			251,850.00		250,774.61			21-Sep-2005		6.875%		CT - 73.00%		Paid Off - 360		01-May-2005
503022494 2					250,774.61			21-Sep-2005		6.875%		CT - 73.00%		Paid Off - 360		01-May-2005
503022967 1			248,000.00		246,971.41			16-Sep-2005		6.999%		MD - 88.57%		Paid Off - 360		01-May-2005
503022967 1					246,971.41			16-Sep-2005		6.999%		MD - 88.57%		Paid Off - 360		01-May-2005
503024095 2			368,000.00		366,146.30			19-Sep-2005		5.990%		HI - 80.00%		Paid Off - 360		01-May-2005
503024095 2					366,146.30			19-Sep-2005		5.990%		HI - 80.00%		Paid Off - 360		01-May-2005
503046136 1			192,000.00		191,363.43			07-Oct-2005		8.125%		NH - 80.00%		Paid Off - 360		01-May-2005
503046136 1					191,363.43			07-Oct-2005		8.125%		NH - 80.00%		Paid Off - 360		01-May-2005
503077737 1			145,600.00		145,550.54			03-Oct-2005		7.990%		GA - 80.00%		Paid Off - 360		01-May-2005
503077737 1					145,550.54			03-Oct-2005		7.990%		GA - 80.00%		Paid Off - 360		01-May-2005
503078902 2			74,000.00		73,608.44			19-Sep-2005		6.999%		OH - 80.00%		Paid Off - 360		01-May-2005
503078902 2					73,608.44			19-Sep-2005		6.999%		OH - 80.00%		Paid Off - 360		01-May-2005
503079177 2			166,600.00		165,851.83			21-Sep-2005		6.590%		VA - 47.60%		Paid Off - 360		01-May-2005
503079177 2					165,851.83			21-Sep-2005		6.590%		VA - 47.60%		Paid Off - 360		01-May-2005
503080543 2			132,000.00		131,551.11			13-Oct-2005		7.999%		ME - 80.00%		Paid Off - 360		01-May-2005
503080543 2					131,551.11			13-Oct-2005		7.999%		ME - 80.00%		Paid Off - 360		01-May-2005
503089927 2			272,000.00		271,027.10			06-Oct-2005		7.800%		FL - 80.00%		Paid Off - 360		01-May-2005
503089927 2					271,027.10					7.800%		FL - 80.00%		Paid Off - 360


Page 19 of 27
Accredited Mortgage Loan Trust 2005-2

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

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

503089948 1			180,000.00		179,479.11			19-Sep-2005		7.675%		CA - 85.71%		Paid Off - 360		01-Jun-2005
			180,000.00

503091896 2			120,000.00		119,537.75			07-Oct-2005		7.375%		RI - 80.00%		Paid Off - 360		01-May-2005
503091896 2					119,537.75			07-Oct-2005		7.375%		RI - 80.00%		Paid Off - 360		01-May-2005
503092055 1			167,300.00		166,340.97			29-Sep-2005		5.300%		CA - 59.75%		Paid Off - 360		01-May-2005
503092055 1					166,340.97			29-Sep-2005		5.300%		CA - 59.75%		Paid Off - 360		01-May-2005
503092340 2			480,000.00		480,000.00			21-Sep-2005		7.490%		CA - 80.00%		Paid Off - 360		01-May-2005
503092340 2					480,000.00			21-Sep-2005		7.490%		CA - 80.00%		Paid Off - 360		01-May-2005
503103739 1			144,000.00		143,373.04			27-Sep-2005		6.750%		NJ - 90.00%		Paid Off - 360		01-May-2005
503103739 1					143,373.04			27-Sep-2005		6.750%		NJ - 90.00%		Paid Off - 360		01-May-2005
503105289 2			345,200.00		345,199.96			04-Oct-2005		6.500%		CA - 80.00%		Paid Off - 360		01-May-2005
503105289 2					345,199.96			04-Oct-2005		6.500%		CA - 80.00%		Paid Off - 360		01-May-2005
503147307 2			262,400.00		261,573.05			07-Oct-2005		8.375%		MD - 80.00%		Paid Off - 360		01-May-2005
503147307 2					261,573.05			07-Oct-2005		8.375%		MD - 80.00%		Paid Off - 360		01-May-2005
503147687 2			110,700.00		110,376.86			04-Oct-2005		8.750%		VA - 90.00%		Paid Off - 360		01-May-2005
503147687 2					110,376.86			04-Oct-2005		8.750%		VA - 90.00%		Paid Off - 360		01-May-2005
503148557 2			155,000.00		154,348.17			03-Oct-2005		6.999%		NV - 77.50%		Paid Off - 360		01-May-2005
503148557 2					154,348.17			03-Oct-2005		6.999%		NV - 77.50%		Paid Off - 360		01-May-2005
503161042 2			130,000.00		129,420.13			28-Sep-2005		6.625%		FL - 79.76%		Paid Off - 360		01-May-2005
503161042 2					129,420.13			28-Sep-2005		6.625%		FL - 79.76%		Paid Off - 360		01-May-2005
503161094 2			95,200.00		94,860.46			30-Sep-2005		7.125%		MD - 80.00%		Paid Off - 360		01-May-2005
503161094 2					94,860.46			30-Sep-2005		7.125%		MD - 80.00%		Paid Off - 360		01-May-2005
503161095 2			23,800.00		23,443.54			30-Sep-2005		8.990%		MD - 20.00%		Paid Off - 180		01-May-2005
503161095 2					23,443.54			30-Sep-2005		8.990%		MD - 20.00%		Paid Off - 180		01-May-2005
503161480 2			90,000.00		89,618.69			22-Sep-2005		6.890%		MD - 69.77%		Paid Off - 360		01-May-2005
503161480 2					89,618.69			22-Sep-2005		6.890%		MD - 69.77%		Paid Off - 360		01-May-2005
503173471 2			399,200.00		399,189.76			29-Sep-2005		6.750%		CA - 80.00%		Paid Off - 360		01-May-2005
503173471 2					399,189.76			29-Sep-2005		6.750%		CA - 80.00%		Paid Off - 360		01-May-2005
503173507 1			217,000.00		216,899.46			30-Sep-2005		6.499%		CA - 84.77%		Paid Off - 360		01-May-2005
503173507 1					216,899.46			30-Sep-2005		6.499%		CA - 84.77%		Paid Off - 360		01-May-2005
503173857 2			115,340.00		114,782.27			03-Oct-2005		6.300%		FL - 79.00%		Paid Off - 360		01-May-2005
503173857 2					114,782.27			03-Oct-2005		6.300%		FL - 79.00%		Paid Off - 360		01-May-2005
503184777 1			107,940.00		107,470.05			03-Oct-2005		6.750%		FL - 60.00%		Paid Off - 360		01-May-2005
503184777 1					107,470.05			03-Oct-2005		6.750%		FL - 60.00%		Paid Off - 360		01-May-2005
503185216 2			110,500.00		110,215.23			07-Oct-2005		8.250%		OH - 65.00%		Paid Off - 360		01-Jun-2005
503185216 2					110,215.23			07-Oct-2005		8.250%		OH - 65.00%		Paid Off - 360		01-Jun-2005
503217243 1			130,000.00		129,609.41			03-Oct-2005		7.500%		MD - 86.67%		Paid Off - 360		01-Jun-2005
503217243 1					129,609.41			03-Oct-2005		7.500%		MD - 86.67%		Paid Off - 360		01-Jun-2005
503218142 2			219,000.00		217,950.08			03-Oct-2005		6.250%		CA - 65.37%		Paid Off - 360		01-May-2005
503218142 2					217,950.08			03-Oct-2005		6.250%		CA - 65.37%		Paid Off - 360		01-May-2005
503228219 2			93,000.00		92,604.80			28-Sep-2005		6.875%		FL - 68.38%		Paid Off - 360		01-May-2005
503228219 2					92,604.80			28-Sep-2005		6.875%		FL - 68.38%		Paid Off - 360		01-May-2005
503231779 1			218,700.00		218,093.51			27-Sep-2005		8.999%		NM - 90.00%		Paid Off - 360		01-May-2005
503231779 1					218,093.51			27-Sep-2005		8.999%		NM - 90.00%		Paid Off - 360		01-May-2005
503242560 1			145,600.00		144,867.80			03-Oct-2005		5.999%		CA - 65.00%		Paid Off - 360		01-May-2005
503242560 1					144,867.80			03-Oct-2005		5.999%		CA - 65.00%		Paid Off - 360		01-May-2005
503285525 2			232,500.00		231,930.57			03-Oct-2005		8.500%		AZ - 83.63%		Paid Off - 360		01-Jun-2005
503285525 2					231,930.57			03-Oct-2005		8.500%		AZ - 83.63%		Paid Off - 360		01-Jun-2005
503285713 1			199,500.00		198,790.05			07-Oct-2005		6.625%		NJ - 70.00%		Paid Off - 360		01-Jun-2005
503285713 1					198,790.05			07-Oct-2005		6.625%		NJ - 70.00%		Paid Off - 360		01-Jun-2005
503309097 2			191,250.00		190,769.51			04-Oct-2005		8.375%		NV - 83.15%		Paid Off - 360		01-Jun-2005
503309097 2					190,769.51			04-Oct-2005		8.375%		NV - 83.15%		Paid Off - 360		01-Jun-2005
503309177 2			297,900.00		297,151.54			20-Sep-2005		8.375%		IL - 90.00%		Paid Off - 360		01-Jun-2005
503309177 2					297,151.54			20-Sep-2005		8.375%		IL - 90.00%		Paid Off - 360		01-Jun-2005
504011073 2			168,000.00		167,535.27			12-Oct-2005		7.900%		OH - 80.00%		Paid Off - 360		01-Jun-2005
504011073 2					167,535.27			12-Oct-2005		7.900%		OH - 80.00%		Paid Off - 360		01-Jun-2005
504011074 2			42,000.00		41,923.10			12-Oct-2005		9.900%		OH - 20.00%		Paid Off - 180		08-May-2005
504011074 2					41,923.10			12-Oct-2005		9.900%				Paid Off - 180		08-May-2005
504011325 2			150,000.00		149,632.61			22-Sep-2005		8.500%		MD - 75.00%		Paid Off - 360		01-Jun-2005
504011325 2					149,632.61			22-Sep-2005		8.500%		MD - 75.00%		Paid Off - 360		01-Jun-2005
504042768 2			300,000.00		299,301.97			07-Oct-2005		8.750%		MD - 77.92%		Paid Off - 360		01-Jun-2005
504042768 2					299,301.97			07-Oct-2005		8.750%		MD - 77.92%		Paid Off - 360		01-Jun-2005
504077475 2			207,360.00		206,825.60			12-Oct-2005		8.250%		MO - 90.00%		Paid Off - 360		01-Jun-2005
504077475 2					206,825.60			12-Oct-2005		8.250%		MO - 90.00%		Paid Off - 360		01-Jun-2005
504078333 1			232,000.00		231,938.59			06-Oct-2005		6.450%		VA - 80.00%		Paid Off - 360		01-Jun-2005
504078333 1					231,938.59			06-Oct-2005		6.450%		VA - 80.00%		Paid Off - 360		01-Jun-2005
504111729 2			200,000.00		199,429.86			30-Sep-2005		7.750%		NJ - 64.52%		Paid Off - 360		01-Jun-2005
504111729 2					199,429.86			30-Sep-2005		7.750%		NJ - 64.52%		Paid Off - 360		01-Jun-2005
504112263 1			140,000.00		139,580.45			12-Oct-2005		7.500%		CA - 70.00%		Paid Off - 360		01-Jun-2005
504112263 1					139,580.45			12-Oct-2005		7.500%		CA - 70.00%		Paid Off - 360		01-Jun-2005
504122385 2			108,900.00		108,556.41			22-Sep-2005		7.259%		WI - 90.00%		Paid Off - 360		01-Jun-2005
504122385 2					108,556.41			22-Sep-2005		7.259%		WI - 90.00%		Paid Off - 360		01-Jun-2005
504134495 2			135,176.00		135,176.00			05-Oct-2005		7.250%		NV - 80.00%		Paid Off - 360		01-Jun-2005
504134495 2					135,176.00			05-Oct-2005		7.250%		NV - 80.00%		Paid Off - 360		01-Jun-2005
504135480 2			226,150.40		225,336.47			04-Oct-2005		7.250%		AZ - 80.00%		Paid Off - 360		01-Jun-2005
504135480 2					225,336.47					7.250%		AZ - 80.00%		Paid Off - 360


Page 20 of 27
Accredited Mortgage Loan Trust 2005-2

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

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

504135735 2			305,000.00		303,776.09			03-Oct-2005		5.999%		CA - 84.96%		Paid Off - 360		01-Jun-2005
			305,000.00

504157920 1			184,500.00		183,974.01			23-Sep-2005		7.750%		WI - 90.00%		Paid Off - 360		01-Jun-2005
504157920 1					183,974.01			23-Sep-2005		7.750%		WI - 90.00%		Paid Off - 360		01-Jun-2005
504157937 1			144,000.00		144,000.00			03-Oct-2005		7.700%		NV - 90.00%		Paid Off - 360		01-Jun-2005
504157937 1					144,000.00			03-Oct-2005		7.700%		NV - 90.00%		Paid Off - 360		01-Jun-2005
504158856 2			297,000.00		296,087.64			04-Oct-2005		7.375%		NV - 90.00%		Paid Off - 360		01-Jun-2005
504158856 2					296,087.64			04-Oct-2005		7.375%		NV - 90.00%		Paid Off - 360		01-Jun-2005
504180577 2			284,800.00		283,649.21			03-Oct-2005		6.500%		AZ - 80.00%		Paid Off - 360		01-Jun-2005
504180577 2					283,649.21			03-Oct-2005		6.500%		AZ - 80.00%		Paid Off - 360		01-Jun-2005
504190831 2			126,000.00		125,649.72			30-Sep-2005		7.875%		OH - 90.00%		Paid Off - 360		01-Jun-2005
504190831 2					125,649.72			30-Sep-2005		7.875%		OH - 90.00%		Paid Off - 360		01-Jun-2005
504214510 2			288,000.00		287,179.02			03-Oct-2005		7.750%		NJ - 88.62%		Paid Off - 360		01-Jun-2005
504214510 2					287,179.02			03-Oct-2005		7.750%		NJ - 88.62%		Paid Off - 360		01-Jun-2005
504214661 2			599,920.00		597,935.33			06-Oct-2005		6.999%		MD - 80.00%		Paid Off - 360		01-Jun-2005
504214661 2					597,935.33			06-Oct-2005		6.999%		MD - 80.00%		Paid Off - 360		01-Jun-2005
504215007 2			127,200.00		126,854.45			26-Sep-2005		7.990%		NV - 80.00%		Paid Off - 360		01-Jun-2005
504215007 2					126,854.45			26-Sep-2005		7.990%		NV - 80.00%		Paid Off - 360		01-Jun-2005
504215910 2			440,000.00		440,000.00			14-Oct-2005		7.650%		CA - 80.00%		Paid Off - 360		01-Jun-2005
504215910 2					440,000.00			14-Oct-2005		7.650%		CA - 80.00%		Paid Off - 360		01-Jun-2005
504227199 2			75,000.00		74,816.30			19-Sep-2005		8.500%		FL - 79.79%		Paid Off - 360		01-Jun-2005
504227199 2					74,816.30			19-Sep-2005		8.500%		FL - 79.79%		Paid Off - 360		01-Jun-2005
504261017 2			120,000.00		119,674.00			23-Sep-2005		7.990%		AZ - 80.00%		Paid Off - 360		01-Jun-2005
504261017 2					119,674.00			23-Sep-2005		7.990%		AZ - 80.00%		Paid Off - 360		01-Jun-2005


TOTAL			26,269,474.40		26,183,366.28
TOTAL


Page 21 of 27
Accredited Mortgage Loan Trust 2005-2

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

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										0.00		0.00		0.00

Cumulative
Cumulative



Number of Loans Liquidated										3		0		3
Collateral Realized Loss/(Gain) Amount										128,038.57		0.00		128,038.57
Net Liquidation Proceeds										875,100.15		0.00		875,100.15










Page 22 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution


DEFAULT SPEEDS



											Group 2		Group 1		Total



MDR										0.00%		0.00%		0.00%
3 Months Avg MDR										0.02%		0.00%		0.02%
12 Months Avg MDR										0.03%		0.00%		0.02%
Avg MDR Since Cut-off										0.03%		0.00%		0.02%


CDR										0.00%		0.00%		0.00%
3 Months Avg CDR										0.26%		0.00%		0.20%
12 Months Avg CDR										0.31%		0.00%		0.24%
Avg CDR Since Cut-off										0.31%		0.00%		0.24%


SDA										0.00%		0.00%		0.00%
3 Months Avg SDA Approximation										2.64%		0.00%		2.05%
12 Months Avg SDA Approximation										3.94%		0.00%		3.06%
Avg SDA Since Cut-off Approximation										3.94%		0.00%		3.06%


Loss Severity Approximation for Current Period										0.00%		0.00%		0.00%
3 Months Avg Loss Severity Approximation										8.62%		0.00%		8.62%
12 Months Avg Loss Severity Approximation										5.17%		0.00%		5.17%
Avg Loss Severity Approximation Since Cut-off										5.17%		0.00%		5.17%












Page 23 of 27
Accredited Mortgage Loan Trust 2005-2

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

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 2005-2

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

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 2005-2

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

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?

						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								2,474,024.16
						(2) Stated Principal Balance								921,732,698.84
						60+ Day Delinquency % ( (1)/(2) )								0.268410%
						(3) 37% of Senior Enhancement %								7.807220%

						(ii) The quotient of ( (4)/(5) > (6))
						(4) Aggregate Cumulative Realized Loss								128,038.57
						(5) Cutoff Date Pool Principal Balance								1,007,808,827.51
						Trigger Event Loss % ( (4)/(5) )								0.000127%
						(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														3.830000%
Next LIBOR Rate														4.037500%




Page 26 of 27
Accredited Mortgage Loan Trust 2005-2

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

October 25, 2005 Distribution
Other Related Information
ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 2		Group 1		Total
Current Scheduled Payments														6,342,415.56
Current Scheduled Payments 1 Month Prior														6,490,144.93
Current Scheduled Payments 2 Month Prior														6,610,467.85
Current Scheduled Payments 3 Month Prior														6,688,612.30
Current Scheduled Payments 4 Month Prior														6,735,800.60
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 27 of 27

Accredited Mortgage Loan Trust 2005-2 8-K