
                                       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)

            Indymac MBS Inc. (as Depositor under the Pooling and Servicing
                Agreement, dated as April 1, 2005, providing for the
               issuance of IndyMAc INDX Mortgage Loan Trust 2005-AR7
                Mortgage Pass-Through Certificates, Series 2005-AR7)
                 (Exact name of registrant as specified in charter)


                                         DELAWARE
                     (State or Other Jurisdiction of Incorporation)

               333-119384-21                         95-4791925
          (Commission File Number)        (I.R.S. Employer Identification No.)


          155 NORTH LAKE AVENUE
          PASADENA, CALIFORNIA                         91101
          (Address of principal executive offices)     (Zip Code)



          Registrant's Telephone Number, Including Area Code:  (800) 669-2300

       (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 Trustee under the
                                  Pooling and Servicing Agreement on
                                  behalf of Indymac MBS 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.



IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

				External Parties						Table of Contents

													Page
				Seller									Page
				Seller						1. Certificate Payment Report					2
				IndyMac Bank						1. Certificate Payment Report					2
				IndyMac Bank						2. Collection Account Report					4
										2. Collection Account Report					4
										3. Credit Enhancement Report					9
										4. Collateral Report					10
				Certificate Insurer(s)						5. Delinquency Report					17
				Certificate Insurer(s)						5. Delinquency Report					17
										6. REO Report					25

										7. Foreclosure Report					26
										8. Prepayment Report					27
										9. Prepayment Detail Report					32
										9. Prepayment Detail Report					32
										10. Realized Loss Report					34
										11. Realized Loss Detail Report					39
				Servicer(s)						11. Realized Loss Detail Report					39
				Servicer(s)						12. Triggers and Adj. Cert. Report					40
				IndyMac Bank						12. Triggers and Adj. Cert. Report					40
				IndyMac Bank						13. Other Related Information					42
										13. Other Related Information					42


				Underwriter(s)
				Merrill Lynch


										Total Number of Pages					43
										Total Number of Pages

				Dates						Contacts

				Cut-Off Date:			April 01, 2005			Brent Hoyler
				Close Date:			April 28, 2005			Administrator
				First Distribution Date:			May 25, 2005			(714) 247-6322
										Brent.Hoyler@db.com
										Brent.Hoyler@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
										Main Phone Number:			(714) 247-6000

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






Page 1 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Certificate Payment Report
Current Period Distribution -
					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)

1-A-1		$	112,029,000.00		99,572,871.39		445,444.10		3,182,588.09		3,628,032.19		0.00		0.00		96,390,283.30
1-A-1		$	112,029,000.00		99,572,871.39		445,444.10		3,182,588.09		3,628,032.19		0.00		0.00		96,390,283.30
2-A-1		$	90,388,000.00		74,382,985.06		335,914.40		5,181,693.14		5,517,607.54		0.00		0.00		69,201,291.92
3-A-1		$	168,500,000.00		151,377,595.36		690,679.28		6,531,465.28		7,222,144.56		0.00		0.00		144,846,130.08
3-A-2		$	64,021,000.00		57,515,400.78		262,421.23		2,481,607.95		2,744,029.18		0.00		0.00		55,033,792.83
3-A-3		$	5,568,000.00		5,002,198.52		22,823.16		215,829.07		238,652.23		0.00		0.00		4,786,369.45
4-A-1		$	92,477,000.00		84,464,923.91		373,436.95		912,522.83		1,285,959.78		0.00		0.00		83,552,401.08
5-A-1		$	51,358,000.00		48,242,903.58		224,388.06		317,131.27		541,519.33		0.00		0.00		47,925,772.31
6-A-1		$	58,263,000.00		52,409,137.46		244,966.11		1,075,793.62		1,320,759.73		0.00		0.00		51,333,343.84
7-A-1		$	57,163,000.00		54,392,275.88		245,697.19		1,112,234.53		1,357,931.72		0.00		0.00		53,280,041.35
A-R		$	100.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00
B-1		$	19,020,000.00		18,950,146.91		85,952.84		13,126.60		99,079.44		0.00		0.00		18,937,020.31
B-2		$	14,451,000.00		14,397,927.08		65,305.18		9,973.32		75,278.50		0.00		0.00		14,387,953.76
B-3		$	10,648,000.00		10,608,894.04		48,119.13		7,348.69		55,467.82		0.00		0.00		10,601,545.35
B-4		$	8,366,000.00		8,335,274.93		37,806.60		5,773.77		43,580.37		0.00		0.00		8,329,501.16
B-5		$	4,944,000.00		4,925,842.60		22,342.32		3,412.09		25,754.41		0.00		0.00		4,922,430.51
B-6		$	3,425,298.00		3,412,718.23		15,479.18		2,363.96		17,843.14		0.00		0.00		3,410,354.27
P		$	100.00		100.00		34,073.00		0.00		34,073.00		0.00		0.00		100.00

Total			760,621,498.00		687,991,195.73		3,154,848.73		21,052,864.21		24,207,712.94		0.00		0.00		666,938,331.52
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)
1-A-1	09/01/05		09/30/05		A-30/360		45660LLJ6		112,029,000.00		888.813355		3.976150		28.408609		32.384759	860.404746
2-A-1	09/01/05		09/30/05		A-30/360		45660LLK3		90,388,000.00		822.929870		3.716361		57.327224		61.043585	765.602645
3-A-1	09/01/05		09/30/05		A-30/360		45660LLL1		168,500,000.00		898.383355		4.098987		38.762405		42.861392	859.620950
3-A-2	09/01/05		09/30/05		A-30/360		45660LLM9		64,021,000.00		898.383355		4.098987		38.762405		42.861392	859.620950
3-A-3	09/01/05		09/30/05		A-30/360		45660LLN7		5,568,000.00		898.383355		4.098987		38.762405		42.861392	859.620950
4-A-1	09/01/05		09/30/05		A-30/360		45660LLP2		92,477,000.00		913.361419		4.038160		9.867565		13.905726	903.493853
5-A-1	09/01/05		09/30/05		A-30/360		45660LLQ0		51,358,000.00		939.345449		4.369097		6.174915		10.544011	933.170534
6-A-1	09/01/05		09/30/05		A-30/360		45660LLR8		58,263,000.00		899.526929		4.204488		18.464439		22.668928	881.062490
7-A-1	09/01/05		09/30/05		A-30/360		45660LLS6		57,163,000.00		951.529414		4.298186		19.457246		23.755431	932.072168
A-R	09/01/05		09/30/05		A-30/360		45660LLT4		100.00		0.000000		0.000000		0.000000		0.000000	0.000000
B-1	09/01/05		09/30/05		A-30/360		45660LLU1		19,020,000.00		996.327387		4.519077		0.690147		5.209224	995.637240
B-2	09/01/05		09/30/05		A-30/360		45660LLV9		14,451,000.00		996.327388		4.519077		0.690147		5.209224	995.637240
B-3	09/01/05		09/30/05		A-30/360		45660LLW7		10,648,000.00		996.327389		4.519077		0.690147		5.209224	995.637242
B-4	09/01/05		09/30/05		A-30/360		45660LLY3		8,366,000.00		996.327388		4.519077		0.690147		5.209224	995.637241
B-5	09/01/05		09/30/05		A-30/360		45660LLZ0		4,944,000.00		996.327387		4.519078		0.690148		5.209225	995.637239
B-6	09/01/05		09/30/05		A-30/360		45660LMA4		3,425,298.00		996.327394		4.519075		0.690147		5.209223	995.637247
P	09/01/05		09/30/05		A-30/360		45660LLX5		100.00		1,000.000000		340,730.000000		0.000000		340,730.000000	1,000.000000



Page 2 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

Distribution to Date -
																	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)
1-A-1	112,029,000.00		2,850,616.87		15,564,163.77		74,552.93		15,638,716.70		18,489,333.57		0.00		0.00		96,390,283.30
2-A-1	90,388,000.00		2,249,206.51		21,090,405.45		96,302.63		21,186,708.08		23,435,914.59		0.00		0.00		69,201,291.92
3-A-1	168,500,000.00		4,402,078.50		23,544,542.92		109,327.00		23,653,869.92		28,055,948.42		0.00		0.00		144,846,130.08
3-A-2	64,021,000.00		1,672,554.71		8,945,668.74		41,538.42		8,987,207.17		10,659,761.88		0.00		0.00		55,033,792.83
3-A-3	5,568,000.00		145,464.53		778,017.89		3,612.66		781,630.55		927,095.08		0.00		0.00		4,786,369.45
4-A-1	92,477,000.00		2,367,423.52		8,879,636.14		44,962.78		8,924,598.92		11,292,022.44		0.00		0.00		83,552,401.08
5-A-1	51,358,000.00		1,378,574.76		3,413,444.00		18,783.69		3,432,227.69		4,810,802.45		0.00		0.00		47,925,772.31
6-A-1	58,263,000.00		1,546,992.96		6,890,782.23		38,873.93		6,929,656.16		8,476,649.12		0.00		0.00		51,333,343.84
7-A-1	57,163,000.00		1,513,328.55		3,864,915.38		18,043.27		3,882,958.65		5,396,287.20		0.00		0.00		53,280,041.35
A-R	100.00		0.45		99.16		0.84		100.00		100.45		0.00		0.00		0.00
B-1	19,020,000.00		516,783.95		82,425.81		553.88		82,979.69		599,763.64		0.00		0.00		18,937,020.31
B-2	14,451,000.00		392,641.69		62,625.41		420.83		63,046.24		455,687.93		0.00		0.00		14,387,953.76
B-3	10,648,000.00		289,312.05		46,144.57		310.08		46,454.65		335,766.70		0.00		0.00		10,601,545.35
B-4	8,366,000.00		227,308.86		36,255.21		243.63		36,498.84		263,807.70		0.00		0.00		8,329,501.16
B-5	4,944,000.00		134,331.23		21,425.52		143.97		21,569.49		155,900.72		0.00		0.00		4,922,430.51
B-6	3,425,298.00		93,067.26		14,843.97		99.75		14,943.72		108,010.98		0.01		0.00		3,410,354.27
P	100.00		120,444.98		0.00		0.00		0.00		120,444.98		0.00		0.00		100.00

Total	760,621,498.00		19,900,131.38		93,235,396.17		447,770.29		93,683,166.47		113,583,297.85		0.01		0.00		666,938,331.52


Interest Detail -
	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)
1-A-1	5.36826%		99,572,871.39		445,444.10		0.00		0.00		0.00		445,444.10		445,444.10		0.00
2-A-1	5.41921%		74,382,985.06		335,914.40		0.00		0.00		0.00		335,914.40		335,914.40		0.00
3-A-1	5.47515%		151,377,595.36		690,679.28		0.00		0.00		0.00		690,679.28		690,679.28		0.00
3-A-2	5.47515%		57,515,400.78		262,421.23		0.00		0.00		0.00		262,421.23		262,421.23		0.00
3-A-3	5.47515%		5,002,198.52		22,823.16		0.00		0.00		0.00		22,823.16		22,823.16		0.00
4-A-1	5.30545%		84,464,923.91		373,436.95		0.00		0.00		0.00		373,436.95		373,436.95		0.00
5-A-1	5.58146%		48,242,903.58		224,388.06		0.00		0.00		0.00		224,388.06		224,388.06		0.00
6-A-1	5.60893%		52,409,137.46		244,966.11		0.00		0.00		0.00		244,966.11		244,966.11		0.00
7-A-1	5.42056%		54,392,275.88		245,697.19		0.00		0.00		0.00		245,697.19		245,697.19		0.00
A-R	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00
B-1	5.44288%		18,950,146.91		85,952.84		0.00		0.00		0.00		85,952.84		85,952.84		0.00
B-2	5.44288%		14,397,927.08		65,305.18		0.00		0.00		0.00		65,305.18		65,305.18		0.00
B-3	5.44288%		10,608,894.04		48,119.13		0.00		0.00		0.00		48,119.13		48,119.13		0.00
B-4	5.44288%		8,335,274.93		37,806.60		0.00		0.00		0.00		37,806.60		37,806.60		0.00
B-5	5.44288%		4,925,842.60		22,342.32		0.00		0.00		0.00		22,342.32		22,342.32		0.00
B-6	5.44288%		3,412,718.23		15,479.18		0.00		0.00		0.00		15,479.18		15,479.18		0.00
P	408,876.00000%		100.00		0.00		0.00		0.00		0.00		0.00		34,073.00		0.00

Total			687,991,195.73		3,120,775.73		0.00		0.00		0.00		3,120,775.73		3,154,848.73		0.00



Page 3 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
										Group 7		Group 6		Group 5
Principal Collections										1,112,976.72		1,076,412.54		318,204.21
Principal Withrawals										0.00		0.00		0.00
Principal Other Accounts										0.00		0.00		0.00
TOTAL NET PRINCIPAL										1,112,976.72		1,076,412.54		318,204.21
Interest Collections										273,468.19		272,260.34		249,334.07
Interest Withdrawals										-0.00		-0.00		-0.00
Interest Other Accounts										0.00		34,073.00		0.00
Interest Fees										-5,402.48		-3,760.13		-4,193.59
TOTAL NET INTEREST										268,065.71		302,573.21		245,140.48
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION										1,381,042.43		1,378,985.75		563,344.69

SUMMARY
SUMMARY
						Group 4		Group 3		Group 2		Group 1		Total
Principal Collections						913,239.52		9,230,482.55		5,218,524.95		3,183,023.72		21,052,864.21
Principal Withrawals						0.00		0.00		0.00		0.00		0.00
Principal Other Accounts						0.00		0.00		0.00		0.00		0.00
TOTAL NET PRINCIPAL						913,239.52		9,230,482.55		5,218,524.95		3,183,023.72		21,052,864.21
Interest Collections						417,946.07		1,090,447.60		378,969.76		497,587.53		3,180,013.56
Interest Withdrawals						-0.00		-0.00		-0.00		-0.00		-0.00
Interest Other Accounts						0.00		0.00		0.00		0.00		34,073.00
Interest Fees						-9,152.11		-20,352.85		-7,735.46		-8,641.22		-59,237.83
TOTAL NET INTEREST						408,793.96		1,070,094.75		371,234.30		488,946.31		3,154,848.73
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION						1,322,033.48		10,300,577.30		5,589,759.25		3,671,970.03		24,207,712.94





Page 4 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
											Group 7		Group 6		Group 5
Scheduled Principal Received											8,894.48		7,061.28		12,674.25
Curtailments											6,141.60		5,410.11		8,143.15
Prepayments In Full											1,097,940.64		1,063,941.15		297,386.81
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											-6,960.69		-5,298.36		-10,534.41
Realized Losses											-0.00		-0.00		-0.00
Advanced Principal											6,960.69		5,298.36		10,534.41
TOTAL PRINCIPAL COLLECTED											1,112,976.72		1,076,412.54		318,204.21
PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
							Group 4		Group 3		Group 2		Group 1		Total
Scheduled Principal Received							8,286.27		17,956.85		9,625.45		4,896.31		69,394.89
Curtailments							52,672.79		17,027.13		7,080.86		7,632.59		104,108.23
Prepayments In Full							852,280.46		9,195,498.57		4,824,318.64		3,170,494.82		20,501,861.09
Repurchased/Substitutions							0.00		0.00		377,500.00		0.00		377,500.00
Liquidations							0.00		0.00		0.00		0.00		0.00
Insurance Principal							0.00		0.00		0.00		0.00		0.00
Other Additional Principal							0.00		0.00		0.00		0.00		0.00
Delinquent Principal							-5,670.89		-14,231.26		-8,952.72		-4,125.76		-55,774.09
Realized Losses							-0.00		-0.00		-0.00		-0.00		-0.00
Advanced Principal							5,670.89		14,231.26		8,952.72		4,125.76		55,774.09
TOTAL PRINCIPAL COLLECTED							913,239.52		9,230,482.55		5,218,524.95		3,183,023.72		21,052,864.21


PRINCIPAL - WITHDRAWALS

SPACE INTENTIONALLY LEFT BLANK





Page 5 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

PRINCIPAL - OTHER ACCOUNTS
PRINCIPAL - OTHER ACCOUNTS
										Group 7		Group 6		Group 5
TOTAL PRINCIPAL OTHER ACCOUNTS										0.00		0.00		0.00

PRINCIPAL - OTHER ACCOUNTS
PRINCIPAL - OTHER ACCOUNTS
						Group 4		Group 3		Group 2		Group 1		Total
TOTAL PRINCIPAL OTHER ACCOUNTS						0.00		0.00		0.00		0.00		0.00



INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
										Group 7		Group 6		Group 5
Scheduled Interest										286,882.77		286,714.78		261,852.24
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										-20.15		-225.00		-0.00
Delinquent Interest										-209,104.59		-232,067.53		-199,144.58
Compensating Interest										20.15		225.00		0.00
Civil Relief Act Shortfalls										-0.00		-0.00		-0.00
Interest Advanced										195,690.01		217,613.09		186,626.41
TOTAL INTEREST COLLECTED										273,468.19		272,260.34		249,334.07
INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
						Group 4		Group 3		Group 2		Group 1		Total
Scheduled Interest						438,112.14		1,144,461.85		395,726.91		523,602.63		3,337,353.32
Repurchased/Substitution Interest						0.00		0.00		1,572.92		0.00		1,572.92
Liquidation Interest						0.00		0.00		0.00		0.00		0.00
Insurance Interest						0.00		0.00		0.00		0.00		0.00
Other Additional Interest						0.00		0.00		0.00		0.00		0.00
Prepayment Interest Shortfalls						-293.84		-5,739.53		-964.73		-2,833.10		-10,076.35
Delinquent Interest						-306,403.24		-843,904.49		-282,647.42		-400,289.44		-2,473,561.29
Compensating Interest						293.84		5,739.53		964.73		2,833.10		10,076.34
Civil Relief Act Shortfalls						-0.00		-0.00		-0.00		-0.00		-0.00
Interest Advanced						286,237.17		789,890.24		264,317.35		374,274.34		2,314,648.61
TOTAL INTEREST COLLECTED						417,946.07		1,090,447.60		378,969.76		497,587.53		3,180,013.56




Page 6 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

INTEREST - WITHDRAWALS

SPACE INTENTIONALLY LEFT BLANK



INTEREST - OTHER ACCOUNTS
INTEREST - OTHER ACCOUNTS
										Group 7		Group 6		Group 5
Prepayment Charges
TOTAL INTEREST OTHER ACCOUNTS										0.00		34,073.00		0.00

INTEREST - OTHER ACCOUNTS
INTEREST - OTHER ACCOUNTS
						Group 4		Group 3		Group 2		Group 1		Total
Prepayment Charges														34,073.00
TOTAL INTEREST OTHER ACCOUNTS						0.00		0.00		0.00		0.00		34,073.00





Page 7 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

INTEREST - FEES
INTEREST - FEES
										Group 7		Group 6		Group 5
Current Servicing Fees										5,130.48		3,496.85		3,952.02
Trustee Fees										271.99		263.29		241.56
TOTAL INTEREST FEES										5,402.48		3,760.13		4,193.59

INTEREST - FEES
INTEREST - FEES
						Group 4		Group 3		Group 2		Group 1		Total
Current Servicing Fees						8,728.32		19,277.90		7,358.69		8,140.28		56,084.54
Trustee Fees						423.78		1,074.95		376.77		500.95		3,153.29
TOTAL INTEREST FEES						9,152.11		20,352.85		7,735.46		8,641.22		59,237.83




Page 8 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Credit Enhancement Report
ACCOUNTS


SPACE INTENTIONALLY LEFT BLANK





INSURANCE

SPACE INTENTIONALLY LEFT BLANK



STRUCTURAL FEATURES

SPACE INTENTIONALLY LEFT BLANK



Page 9 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Collateral Report


COLLATERAL



											Group 7		Group 6		Group 5



Loan Count:


Original										234		225		160
Prior										223		202		155
Prefunding										0		0		0
Scheduled Paid Offs										-0		-0		-0
Full Voluntary Prepayments										-3		-2		-1
Repurchases										-0		-0		-0
Liquidations										-0		-0		-0
Current										220		200		154
Principal Balance:


Original										62,134,598.37		63,330,171.15		55,824,856.61
Prior										59,344,205.67		57,444,123.88		52,704,626.88
Prefunding										0.00		0.00		0.00
Scheduled Principal										-8,894.48		-7,061.28		-12,674.25
Partial Prepayments										-6,141.60		-5,410.11		-8,143.15
Full Voluntary Prepayments										-1,097,940.64		-1,063,941.15		-297,386.81
Repurchases										-0.00		-0.00		-0.00
Liquidations										-0.00		-0.00		-0.00
Current										58,231,228.95		56,367,711.34		52,386,422.67

COLLATERAL



							Group 4		Group 3		Group 2		Group 1		Total



Loan Count:
Loan Count:


Original						359		921		194		536		2,629
Prior						334		844		163		483		2,404
Prefunding						0		0		0		0		0
Scheduled Paid Offs						-0		-0		-0		-0		-0
Full Voluntary Prepayments						-4		-28		-10		-14		-62
Repurchases						-0		-0		-1		-0		-1
Liquidations						-0		-0		-0		-0		-0
Current						330		816		152		469		2,341
Principal Balance:


Original						100,519,265.51		258,793,022.85		98,248,255.76		121,770,943.68		760,621,113.93
Prior						92,462,064.30		234,534,865.09		82,204,022.78		109,297,187.14		687,991,095.74
Prefunding						0.00		0.00		0.00		0.00		0.00
Scheduled Principal						-8,286.27		-17,956.85		-9,625.45		-4,896.31		-69,394.89
Partial Prepayments						-52,672.79		-17,027.13		-7,080.86		-7,632.59		-104,108.23
Full Voluntary Prepayments						-852,280.46		-9,195,498.57		-4,824,318.64		-3,170,494.82		-20,501,861.09
Repurchases						-0.00		-0.00		-377,500.00		-0.00		-377,500.00
Liquidations						-0.00		-0.00		-0.00		-0.00		-0.00
Current						91,548,824.78		225,304,382.54		76,985,497.83		106,114,163.42		666,938,231.53







Page 10 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

PREFUNDING

SPACE INTENTIONALLY LEFT BLANK







Page 11 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
										Group 7		Group 6		Group 5
Weighted Average Coupon Original										5.78853%		5.99275%		5.97235%
Weighted Average Coupon Prior										5.79968%		5.99092%		5.96191%
Weighted Average Coupon Current										5.80106%		5.98943%		5.96196%
Weighted Average Months to Maturity Original										358		358		358
Weighted Average Months to Maturity Prior										354		354		354
Weighted Average Months to Maturity Current										353		353		353
Weighted Avg Remaining Amortization Term Original										358		358		358
Weighted Avg Remaining Amortization Term Prior										354		354		354
Weighted Avg Remaining Amortization Term Current										353		353		353
Weighted Average Seasoning Original										2.49		1.52		1.50
Weighted Average Seasoning Prior										6.45		5.49		5.47
Weighted Average Seasoning Current										7.45		6.50		6.46
CHARACTERISTICS
CHARACTERISTICS
						Group 4		Group 3		Group 2		Group 1		Total
Weighted Average Coupon Original						5.71395%		5.86103%		5.80463%		5.78033%		5.83460%
Weighted Average Coupon Prior						5.69383%		5.85159%		5.80434%		5.76298%		5.82616%
Weighted Average Coupon Current						5.68595%		5.85546%		5.79971%		5.74876%		5.82372%
Weighted Average Months to Maturity Original						358		358		358		358		358
Weighted Average Months to Maturity Prior						354		354		353		354		354
Weighted Average Months to Maturity Current						353		353		352		353		353
Weighted Avg Remaining Amortization Term Original						358		358		358		358		358
Weighted Avg Remaining Amortization Term Prior						354		354		353		354		354
Weighted Avg Remaining Amortization Term Current						353		353		352		353		353
Weighted Average Seasoning Original						1.71		2.36		1.90		2.31		2.09
Weighted Average Seasoning Prior						5.72		6.35		5.87		6.30		6.07
Weighted Average Seasoning Current						6.73		7.35		6.88		7.32		7.07





Page 12 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution






Page 13 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

ARM CHARACTERISTICS
ARM CHARACTERISTICS
										Group 7		Group 6		Group 5
Weighted Average Margin Original										2.54139%		2.72509%		2.75000%
Weighted Average Margin Prior										2.54454%		2.71344%		2.75000%
Weighted Average Margin Current										2.54198%		2.71940%		2.75000%
Weighted Average Max Rate Original										11.71577%		11.92154%		11.96160%
Weighted Average Max Rate Prior										11.72634%		11.92662%		11.96191%
Weighted Average Max Rate Current										11.72684%		11.92312%		11.96196%
Weighted Average Min Rate Original										0.13445%		0.20208%		0.00000%
Weighted Average Min Rate Prior										0.12293%		0.17209%		0.00000%
Weighted Average Min Rate Current										0.12450%		0.17738%		0.00000%
Weighted Average Cap Up Original										1.78468%		1.69384%		1.00000%
Weighted Average Cap Up Prior										1.78270%		1.70427%		1.00000%
Weighted Average Cap Up Current										1.78613%		1.69748%		1.00000%
Weighted Average Cap Down Original										1.78468%		1.69384%		1.00000%
Weighted Average Cap Down Prior										1.78270%		1.70427%		1.00000%
Weighted Average Cap Down Current										1.78613%		1.69748%		1.00000%

ARM CHARACTERISTICS
ARM CHARACTERISTICS
						Group 4		Group 3		Group 2		Group 1		Total
Weighted Average Margin Original						2.71827%		2.57331%		2.65427%		2.68105%		2.64317%
Weighted Average Margin Prior						2.71955%		2.57301%		2.65781%		2.67846%		2.64237%
Weighted Average Margin Current						2.71868%		2.57196%		2.65895%		2.67844%		2.64235%
Weighted Average Max Rate Original						11.58505%		11.56382%		11.64096%		11.68619%		11.66757%
Weighted Average Max Rate Prior						11.56332%		11.55861%		11.66456%		11.66224%		11.66397%
Weighted Average Max Rate Current						11.55156%		11.55946%		11.65561%		11.64672%		11.65938%
Weighted Average Min Rate Original						0.09484%		0.09664%		0.16356%		0.05523%		0.10319%
Weighted Average Min Rate Prior						0.09052%		0.09339%		0.13816%		0.05436%		0.09441%
Weighted Average Min Rate Current						0.09317%		0.09345%		0.11362%		0.05507%		0.09225%
Weighted Average Cap Up Original						1.08316%		1.65317%		1.64407%		1.67468%		1.54630%
Weighted Average Cap Up Prior						1.08159%		1.65867%		1.66680%		1.66753%		1.54796%
Weighted Average Cap Up Current						1.08391%		1.65925%		1.66283%		1.66614%		1.54708%
Weighted Average Cap Down Original						1.08316%		1.65317%		1.64407%		1.67468%		1.54630%
Weighted Average Cap Down Prior						1.08159%		1.65867%		1.66680%		1.66753%		1.54796%
Weighted Average Cap Down Current						1.08391%		1.65925%		1.66283%		1.66614%		1.54708%





Page 14 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

SERVICING FEES & ADVANCES

											Group 7		Group 6		Group 5




Current Servicing Fees										5,130.48		3,496.85		3,952.02
Delinquent Servicing Fees										13,414.58		14,454.44		12,518.17
TOTAL SERVICING FEES										18,545.06		17,951.29		16,470.20


Total Servicing Fees										18,545.06		17,951.29		16,470.20
Compensating Interest										-20.15		-225.00		-0.00
Delinquent Servicing Fees										-13,414.58		-14,454.44		-12,518.17
COLLECTED SERVICING FEES										5,110.33		3,271.85		3,952.02


Total Advanced Interest										195,690.01		217,613.09		186,626.41
Total Advanced Principal										6,960.69		5,298.36		10,534.41
Aggregate Advances with respect to this Distribution										202,650.70		222,911.45		197,160.82

SERVICING FEES & ADVANCES
SERVICING FEES & ADVANCES

							Group 4		Group 3		Group 2		Group 1		Total




Current Servicing Fees						8,728.32		19,277.90		7,358.69		8,140.28		56,084.54
Delinquent Servicing Fees						20,166.07		54,014.25		18,330.07		26,015.09		158,912.67
TOTAL SERVICING FEES						28,894.39		73,292.14		25,688.76		34,155.37		214,997.21


Total Servicing Fees						28,894.39		73,292.14		25,688.76		34,155.37		214,997.21
Compensating Interest						-293.84		-5,739.53		-964.73		-2,833.10		-10,076.34
Delinquent Servicing Fees						-20,166.07		-54,014.25		-18,330.07		-26,015.09		-158,912.67
COLLECTED SERVICING FEES						8,434.48		13,538.36		6,393.96		5,307.18		46,008.19


Total Advanced Interest						286,237.17		789,890.24		264,317.35		374,274.34		2,314,648.61
Total Advanced Principal						5,670.89		14,231.26		8,952.72		4,125.76		55,774.09
Aggregate Advances with respect to this Distribution						291,908.06		804,121.50		273,270.07		378,400.10		2,370,422.70







Page 15 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

ADDITIONAL COLLATERAL INFORMATION
										Group 7		Group 6		Group 5
Prepayment Interest Shortfall (PPIS)										20.15		225.00		0.00
Compensating Interest										-20.15		-225.00		-0.00
Net Prepayment Interest Shortfall (PPIS)										0.00		0.00		0.00
Weighted Average Net Mortgage Rate										5.420560%		6.320713%		5.581456%

ADDITIONAL COLLATERAL INFORMATION
						Group 4		Group 3		Group 2		Group 1		Total
Prepayment Interest Shortfall (PPIS)						293.84		5,739.53		964.73		2,833.10		10,076.35
Compensating Interest						-293.84		-5,739.53		-964.73		-2,833.10		-10,076.34
Net Prepayment Interest Shortfall (PPIS)						0.00		0.00		0.00		0.00		0.00
Weighted Average Net Mortgage Rate						5.305449%		5.475151%		5.419214%		5.368259%		5.502714%




Page 16 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				11,713,160.86		2,281,614.80		1,450,003.13		15,444,778.79
			% Balance				1.76%		0.34%		0.22%		2.32%
			# Loans				51		10		7		68
			% # Loans				2.18%		0.43%		0.30%		2.90%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		128,708.83		130,694.74		253,800.00		513,203.57
			% Balance		0.00%		0.02%		0.02%		0.04%		0.08%
			# Loans		0		1		1		1		3
			% # Loans		0.00%		0.04%		0.04%		0.04%		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		0.00		11,841,869.69		2,412,309.54		1,703,803.13		15,957,982.36
			% Balance		0.00%		1.78%		0.36%		0.26%		2.39%
			# Loans		0		52		11		8		71
			% # Loans		0.00%		2.22%		0.47%		0.34%		3.03%









Page 17 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution


	GROUP 1
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				2,399,870.05		417,150.00		447,600.00		3,264,620.05
			% Balance				2.26%		0.39%		0.42%		3.08%
			# Loans				14		2		2		18
			% # Loans				2.99%		0.43%		0.43%		3.84%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		128,708.83		0.00		0.00		128,708.83
			% Balance		0.00%		0.12%		0.00%		0.00%		0.12%
			# Loans		0		1		0		0		1
			% # Loans		0.00%		0.21%		0.00%		0.00%		0.21%
	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		2,528,578.88		417,150.00		447,600.00		3,393,328.88
			% Balance		0.00%		2.38%		0.39%		0.42%		3.20%
			# Loans		0		15		2		2		19
			% # Loans		0.00%		3.20%		0.43%		0.43%		4.05%










Page 18 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

	GROUP 2
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				1,554,657.75		943,735.46		0.00		2,498,393.21
			% Balance				2.02%		1.23%		0.00%		3.25%
			# Loans				3		2		0		5
			% # Loans				1.97%		1.32%		0.00%		3.29%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00		1,554,657.75		943,735.46		0.00		2,498,393.21
			% Balance		0.00%		2.02%		1.23%		0.00%		3.25%
			# Loans		0		3		2		0		5
			% # Loans		0.00%		1.97%		1.32%		0.00%		3.29%










Page 19 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

	GROUP 3
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				5,135,242.63		424,124.22		618,945.63		6,178,312.48
			% Balance				2.28%		0.19%		0.27%		2.74%
			# Loans				19		3		4		26
			% # Loans				2.33%		0.37%		0.49%		3.19%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		0.00		253,800.00		253,800.00
			% Balance		0.00%		0.00%		0.00%		0.11%		0.11%
			# Loans		0		0		0		1		1
			% # Loans		0.00%		0.00%		0.00%		0.12%		0.12%
	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		5,135,242.63		424,124.22		872,745.63		6,432,112.48
			% Balance		0.00%		2.28%		0.19%		0.39%		2.85%
			# Loans		0		19		3		5		27
			% # Loans		0.00%		2.33%		0.37%		0.61%		3.31%










Page 20 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

	GROUP 4
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				767,478.95		0.00		0.00		767,478.95
			% Balance				0.84%		0.00%		0.00%		0.84%
			# Loans				4		0		0		4
			% # Loans				1.21%		0.00%		0.00%		1.21%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00		767,478.95		0.00		0.00		767,478.95
			% Balance		0.00%		0.84%		0.00%		0.00%		0.84%
			# Loans		0		4		0		0		4
			% # Loans		0.00%		1.21%		0.00%		0.00%		1.21%










Page 21 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

	GROUP 5
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				0.00		0.00		383,457.50		383,457.50
			% Balance				0.00%		0.00%		0.73%		0.73%
			# Loans				0		0		1		1
			% # Loans				0.00%		0.00%		0.65%		0.65%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00		0.00		0.00		383,457.50		383,457.50
			% Balance		0.00%		0.00%		0.00%		0.73%		0.73%
			# Loans		0		0		0		1		1
			% # Loans		0.00%		0.00%		0.00%		0.65%		0.65%










Page 22 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

	GROUP 6
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				1,124,947.22		212,000.00		0.00		1,336,947.22
			% Balance				2.00%		0.38%		0.00%		2.37%
			# Loans				6		1		0		7
			% # Loans				3.00%		0.50%		0.00%		3.50%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	REO		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	TOTAL		Balance		0.00		1,124,947.22		212,000.00		0.00		1,336,947.22
			% Balance		0.00%		2.00%		0.38%		0.00%		2.37%
			# Loans		0		6		1		0		7
			% # Loans		0.00%		3.00%		0.50%		0.00%		3.50%










Page 23 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

	GROUP 7
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				730,964.26		284,605.12		0.00		1,015,569.38
			% Balance				1.26%		0.49%		0.00%		1.74%
			# Loans				5		2		0		7
			% # Loans				2.27%		0.91%		0.00%		3.18%
	FORECLOSURE		Balance		0.00		0.00		0.00		0.00		0.00
			% Balance		0.00%		0.00%		0.00%		0.00%		0.00%
			# Loans		0		0		0		0		0
			% # Loans		0.00%		0.00%		0.00%		0.00%		0.00%
	BANKRUPTCY		Balance		0.00		0.00		130,694.74		0.00		130,694.74
			% Balance		0.00%		0.00%		0.22%		0.00%		0.22%
			# Loans		0		0		1		0		1
			% # Loans		0.00%		0.00%		0.45%		0.00%		0.45%
	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		730,964.26		415,299.86		0.00		1,146,264.12
			% Balance		0.00%		1.26%		0.71%		0.00%		1.97%
			# Loans		0		5		3		0		8
			% # Loans		0.00%		2.27%		1.36%		0.00%		3.64%









Page 24 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

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 25 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

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




TOTAL


Page 26 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

											Group 7		Group 6		Group 5




Current


Number of Paid in Full Loans										3		2		1
Number of Repurchased Loans										0		0		0
Total Number of Loans Prepaid in Full										3		2		1
Curtailments Amount										6,141.60		5,410.11		8,143.15
Paid in Full Balance										1,097,940.64		1,063,941.15		297,386.81
Repurchased Loans Balance										0.00		0.00		0.00
Total Prepayment Amount										1,104,082.24		1,069,351.26		305,529.96

Cumulative


Number of Paid in Full Loans										13		23		6
Number of Repurchased Loans										1		2		0
Total Number of Loans Prepaid in Full										14		25		6
Paid in Full Balance										3,621,601.30		6,527,262.71		3,072,838.11
Repurchased Loans Balance										201,600.00		360,600.00		0.00
Curtailments Amount										27,527.21		26,583.80		290,545.41
Total Prepayment Amount										3,850,728.51		6,914,446.51		3,363,383.52

VOLUNTARY PREPAYMENTS

							Group 4		Group 3		Group 2		Group 1		Total




Current


Number of Paid in Full Loans						4		28		10		14		62
Number of Repurchased Loans						0		0		1		0		1
Total Number of Loans Prepaid in Full						4		28		11		14		63
Curtailments Amount						52,672.79		17,027.13		7,080.86		7,632.59		104,108.23
Paid in Full Balance						852,280.46		9,195,498.57		4,824,318.64		3,170,494.82		20,501,861.09
Repurchased Loans Balance						0.00		0.00		377,500.00		0.00		377,500.00
Total Prepayment Amount						904,953.25		9,212,525.70		5,208,899.50		3,178,127.41		20,983,469.32

Cumulative


Number of Paid in Full Loans						27		103		40		66		278
Number of Repurchased Loans						2		2		2		1		10
Total Number of Loans Prepaid in Full						29		105		42		67		288
Paid in Full Balance						8,123,240.49		32,397,200.60		20,069,019.22		15,367,780.04		89,178,942.47
Repurchased Loans Balance						518,400.00		696,000.00		771,900.00		188,400.00		2,736,900.00
Curtailments Amount						275,390.28		271,164.79		362,505.29		65,552.85		1,319,269.63
Total Prepayment Amount						8,917,030.77		33,364,365.39		21,203,424.51		15,621,732.89		93,235,112.10





Page 27 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution






Page 28 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

											Group 7		Group 6		Group 5



SMM										1.86%		1.86%		0.58%
3 Months Avg SMM										1.11%		1.92%		0.58%
12 Months Avg SMM										1.06%		1.91%		1.03%
Avg SMM Since Cut-off										1.06%		1.91%		1.03%


CPR										20.18%		20.19%		6.74%
3 Months Avg CPR										12.53%		20.72%		6.75%
12 Months Avg CPR										12.02%		20.65%		11.69%
Avg CPR Since Cut-off										12.02%		20.65%		11.69%


PSA										1,354.33%		1,553.53%		521.34%
3 Months Avg PSA Approximation										972.38%		1,884.94%		617.16%
12 Months Avg PSA Approximation										1,212.14%		2,580.62%		1,468.22%
Avg PSA Since Cut-off Approximation										1,212.14%		2,580.62%		1,468.23%

VOLUNTARY PREPAYMENTS RATES



							Group 4		Group 3		Group 2		Group 1		Total



SMM						0.98%		3.93%		6.34%		2.91%		3.05%
3 Months Avg SMM						1.79%		2.94%		4.51%		2.58%		2.50%
12 Months Avg SMM						1.54%		2.27%		3.97%		2.26%		2.16%
Avg SMM Since Cut-off						1.54%		2.27%		3.97%		2.26%		2.16%


CPR						11.13%		38.18%		54.42%		29.82%		31.05%
3 Months Avg CPR						19.47%		30.09%		42.54%		26.91%		26.17%
12 Months Avg CPR						16.96%		24.13%		38.52%		24.02%		23.02%
Avg CPR Since Cut-off						16.96%		24.13%		38.52%		24.02%		23.02%


PSA						827.17%		2,597.79%		3,956.61%		2,037.01%		2,195.00%
3 Months Avg PSA Approximation						1,699.50%		2,369.18%		3,623.71%		2,134.32%		2,155.39%
12 Months Avg PSA Approximation						2,008.17%		2,486.50%		4,392.33%		2,502.35%		2,516.21%
Avg PSA Since Cut-off Approximation						2,008.18%		2,486.51%		4,392.33%		2,502.34%		2,516.21%







Page 29 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution











Page 30 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

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 31 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

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

120372721 3			123,200.00		123,200.00			12-Oct-2005		5.875%		NJ - 46.49%		Paid Off - 360		01-Nov-2004
			123,200.00

120372743 3			251,750.00		251,750.00			11-Oct-2005		6.375%		CA - 95.00%		Paid Off - 360		01-Dec-2004
120372743 3					251,750.00			11-Oct-2005		6.375%		CA - 95.00%		Paid Off - 360		01-Dec-2004
120382981 3			89,250.00		89,250.00			16-Sep-2005		6.500%		TN - 85.00%		Paid Off - 360		01-Mar-2005
120382981 3					89,250.00			16-Sep-2005		6.500%		TN - 85.00%		Paid Off - 360		01-Mar-2005
120382992 3			76,500.00		76,325.00			29-Sep-2005		6.875%		AZ - 90.00%		Paid Off - 360		01-Mar-2005
120382992 3					76,325.00			29-Sep-2005		6.875%		AZ - 90.00%		Paid Off - 360		01-Mar-2005
120383332 3			250,700.00		250,700.00			05-Oct-2005		6.375%		AZ - 95.00%		Paid Off - 360		01-Mar-2005
120383332 3					250,700.00			05-Oct-2005		6.375%		AZ - 95.00%		Paid Off - 360		01-Mar-2005
120383365 3			204,950.00		204,898.76			06-Oct-2005		6.000%		MI - 74.53%		Paid Off - 360		01-Mar-2005
120383365 3					204,898.76			06-Oct-2005		6.000%		MI - 74.53%		Paid Off - 360		01-Mar-2005
120383396 3			592,000.00		591,978.58			14-Oct-2005		5.500%		GA - 80.00%		Paid Off - 360		01-Mar-2005
120383396 3					591,978.58			14-Oct-2005		5.500%		GA - 80.00%		Paid Off - 360		01-Mar-2005
120383799 1			232,000.00		232,000.00			16-Sep-2005		5.750%		NV - 80.00%		Paid Off - 360		01-Mar-2005
120383799 1					232,000.00			16-Sep-2005		5.750%		NV - 80.00%		Paid Off - 360		01-Mar-2005
120383828 2			391,900.00		391,287.79			23-Sep-2005		6.250%		CA - 80.00%		Paid Off - 360		01-Mar-2005
120383828 2					391,287.79			23-Sep-2005		6.250%		CA - 80.00%		Paid Off - 360		01-Mar-2005
120384353 3			468,000.00		467,991.88			03-Oct-2005		5.750%		HI - 80.00%		Paid Off - 360		01-Dec-2004
120384353 3					467,991.88			03-Oct-2005		5.750%		HI - 80.00%		Paid Off - 360		01-Dec-2004
120387891 3			371,400.00		367,691.40			06-Oct-2005		5.125%		CO - 67.28%		Paid Off - 360		01-Apr-2005
120387891 3					367,691.40			06-Oct-2005		5.125%		CO - 67.28%		Paid Off - 360		01-Apr-2005
120389489 3			472,500.00		469,872.53			19-Sep-2005		6.500%		CA - 70.00%		Paid Off - 360		01-Apr-2005
120389489 3					469,872.53			19-Sep-2005		6.500%		CA - 70.00%		Paid Off - 360		01-Apr-2005
120518421 3			125,682.00		125,681.99			29-Sep-2005		6.750%		AZ - 80.00%		Paid Off - 360		01-Apr-2005
120518421 3					125,681.99			29-Sep-2005		6.750%		AZ - 80.00%		Paid Off - 360		01-Apr-2005
120652029 3			712,500.00		708,767.15			22-Sep-2005		6.750%		CA - 75.00%		Paid Off - 360		01-Apr-2005
120652029 3					708,767.15			22-Sep-2005		6.750%		CA - 75.00%		Paid Off - 360		01-Apr-2005
120724908 2			448,724.00		448,533.91			30-Sep-2005		5.375%		CA - 80.00%		Paid Off - 360		01-Apr-2005
120724908 2					448,533.91			30-Sep-2005		5.375%		CA - 80.00%		Paid Off - 360		01-Apr-2005
120732093 1			120,000.00		120,000.00			28-Sep-2005		6.250%		NV - 80.00%		Paid Off - 360		01-Mar-2005
120732093 1					120,000.00			28-Sep-2005		6.250%		NV - 80.00%		Paid Off - 360		01-Mar-2005
120765149 2			400,000.00		400,000.00			03-Oct-2005		5.875%		VA - 80.00%		Paid Off - 360		01-Apr-2005
120765149 2					400,000.00			03-Oct-2005		5.875%		VA - 80.00%		Paid Off - 360		01-Apr-2005
120784175 3			180,000.00		178,549.95			23-Sep-2005		5.500%		CA - 69.23%		Paid Off - 360		01-Mar-2005
120784175 3					178,549.95			23-Sep-2005		5.500%		CA - 69.23%		Paid Off - 360		01-Mar-2005
120789131 3			784,000.00		784,000.00			12-Oct-2005		6.500%		CA - 80.00%		Paid Off - 360		01-May-2005
120789131 3					784,000.00			12-Oct-2005		6.500%		CA - 80.00%		Paid Off - 360		01-May-2005
120796669 3			400,000.00		399,985.96			22-Sep-2005		5.500%		CA - 63.49%		Paid Off - 360		01-Apr-2005
120796669 3					399,985.96			22-Sep-2005		5.500%		CA - 63.49%		Paid Off - 360		01-Apr-2005
120810742 3			251,750.00		251,688.37			03-Oct-2005		5.875%		SC - 95.00%		Paid Off - 360		01-Apr-2005
120810742 3					251,688.37			03-Oct-2005		5.875%		SC - 95.00%		Paid Off - 360		01-Apr-2005
120813180 1			176,500.00		176,500.00			26-Sep-2005		7.625%		FL - 74.98%		Paid Off - 360		01-May-2005
120813180 1					176,500.00			26-Sep-2005		7.625%		FL - 74.98%		Paid Off - 360		01-May-2005
120815345 3			388,500.00		388,422.07			14-Oct-2005		6.250%		CA - 70.00%		Paid Off - 360		01-May-2005
120815345 3					388,422.07			14-Oct-2005		6.250%		CA - 70.00%		Paid Off - 360		01-May-2005
120816210 1			348,000.00		348,000.00			29-Sep-2005		6.000%		CA - 80.00%		Paid Off - 360		01-Apr-2005
120816210 1					348,000.00			29-Sep-2005		6.000%		CA - 80.00%		Paid Off - 360		01-Apr-2005
120851319 3			472,140.00		471,709.31			22-Sep-2005		6.000%		CA - 95.00%		Paid Off - 360		01-Apr-2005
120851319 3					471,709.31			22-Sep-2005		6.000%		CA - 95.00%		Paid Off - 360		01-Apr-2005
120856758 5			297,500.00		297,386.81			07-Oct-2005		7.750%		CA - 70.00%		Paid Off - 360		01-Apr-2005
120856758 5					297,386.81			07-Oct-2005		7.750%		CA - 70.00%		Paid Off - 360		01-Apr-2005
120868404 7			228,000.00		228,000.00			13-Oct-2005		5.875%		CA - 76.00%		Paid Off - 360		01-Feb-2005
120868404 7					228,000.00			13-Oct-2005		5.875%		CA - 76.00%		Paid Off - 360		01-Feb-2005
120879046 1			304,600.00		304,600.00			16-Sep-2005		5.625%		CA - 79.99%		Paid Off - 360		01-Apr-2005
120879046 1					304,600.00			16-Sep-2005		5.625%		CA - 79.99%		Paid Off - 360		01-Apr-2005
120879188 3			356,250.00		356,230.54			14-Oct-2005		5.500%		CA - 75.00%		Paid Off - 360		01-Apr-2005
120879188 3					356,230.54			14-Oct-2005		5.500%		CA - 75.00%		Paid Off - 360		01-Apr-2005
120893828 1			199,500.00		199,500.00			05-Oct-2005		6.375%		MD - 78.85%		Paid Off - 360		01-Apr-2005
120893828 1					199,500.00			05-Oct-2005		6.375%		MD - 78.85%		Paid Off - 360		01-Apr-2005
120903317 4			155,200.00		155,190.00			04-Oct-2005		6.500%		IL - 80.00%		Paid Off - 360		01-Apr-2005
120903317 4					155,190.00			04-Oct-2005		6.500%		IL - 80.00%		Paid Off - 360		01-Apr-2005
120911607 1			169,600.00		169,600.00			23-Sep-2005		6.125%		FL - 80.00%		Paid Off - 360		01-May-2005
120911607 1					169,600.00			23-Sep-2005		6.125%		FL - 80.00%		Paid Off - 360		01-May-2005
120923830 1			100,000.00		100,000.00			29-Sep-2005		6.375%		MD - 80.00%		Paid Off - 360		01-Apr-2005
120923830 1					100,000.00			29-Sep-2005		6.375%		MD - 80.00%		Paid Off - 360		01-Apr-2005
120930199 2			407,000.00		405,592.78			04-Oct-2005		5.625%		CA - 69.57%		Paid Off - 360		01-Apr-2005
120930199 2					405,592.78			04-Oct-2005		5.625%		CA - 69.57%		Paid Off - 360		01-Apr-2005
120941382 2			369,700.00		369,699.99			30-Sep-2005		5.250%		CA - 79.99%		Paid Off - 360		01-Apr-2005
120941382 2					369,699.99			30-Sep-2005		5.250%		CA - 79.99%		Paid Off - 360		01-Apr-2005
120949987 2			480,000.00		480,000.00			10-Oct-2005		6.000%		CA - 80.00%		Paid Off - 360		01-Apr-2005
120949987 2					480,000.00			10-Oct-2005		6.000%		CA - 80.00%		Paid Off - 360		01-Apr-2005
120955031 3			240,000.00		240,000.00			03-Oct-2005		5.625%		CA - 42.86%		Paid Off - 360		01-Mar-2005
120955031 3					240,000.00					5.625%		CA - 42.86%		Paid Off - 360


Page 32 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

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

120962836 2			756,250.00		756,216.15			13-Oct-2005		5.500%		CA - 57.08%		Paid Off - 360		01-May-2005
			756,250.00

120966655 1			396,000.00		395,959.90			03-Oct-2005		6.000%		CA - 80.00%		Paid Off - 360		01-May-2005
120966655 1					395,959.90			03-Oct-2005		6.000%		CA - 80.00%		Paid Off - 360		01-May-2005
120975292 1			313,800.00		313,800.00			27-Sep-2005		6.750%		CA - 79.99%		Paid Off - 360		01-Apr-2005
120975292 1					313,800.00			27-Sep-2005		6.750%		CA - 79.99%		Paid Off - 360		01-Apr-2005
120976748 4			129,900.00		129,890.90			20-Sep-2005		6.250%		CO - 78.73%		Paid Off - 360		01-May-2005
120976748 4					129,890.90			20-Sep-2005		6.250%		CO - 78.73%		Paid Off - 360		01-May-2005
120977012 3			389,600.00		389,600.00			20-Sep-2005		6.125%		MA - 80.00%		Paid Off - 360		01-May-2005
120977012 3					389,600.00			20-Sep-2005		6.125%		MA - 80.00%		Paid Off - 360		01-May-2005
120977519 2			385,950.00		385,950.00			03-Oct-2005		6.250%		CA - 80.00%		Paid Off - 360		01-May-2005
120977519 2					385,950.00			03-Oct-2005		6.250%		CA - 80.00%		Paid Off - 360		01-May-2005
120978614 3			144,489.00		144,488.99			20-Sep-2005		6.750%		AZ - 80.00%		Paid Off - 360		01-Apr-2005
120978614 3					144,488.99			20-Sep-2005		6.750%		AZ - 80.00%		Paid Off - 360		01-Apr-2005
120983914 7			135,000.00		134,945.64			30-Sep-2005		5.750%		CA - 47.37%		Paid Off - 360		01-Apr-2005
120983914 7					134,945.64			30-Sep-2005		5.750%		CA - 47.37%		Paid Off - 360		01-Apr-2005
120990845 3			107,250.00		107,216.09			10-Oct-2005		5.875%		IL - 65.00%		Paid Off - 360		01-Apr-2005
120990845 3					107,216.09			10-Oct-2005		5.875%		IL - 65.00%		Paid Off - 360		01-Apr-2005
120999464 4			359,200.00		359,200.00			03-Oct-2005		6.250%		CA - 80.00%		Paid Off - 360		01-May-2005
120999464 4					359,200.00			03-Oct-2005		6.250%		CA - 80.00%		Paid Off - 360		01-May-2005
121019824 7			735,000.00		734,995.00			04-Oct-2005		5.500%		MT - 70.00%		Paid Off - 360		01-Apr-2005
121019824 7					734,995.00			04-Oct-2005		5.500%		MT - 70.00%		Paid Off - 360		01-Apr-2005
121024191 3			255,000.00		255,000.00			21-Sep-2005		6.125%		CO - 85.00%		Paid Off - 360		01-May-2005
121024191 3					255,000.00			21-Sep-2005		6.125%		CO - 85.00%		Paid Off - 360		01-May-2005
121034107 1			224,000.00		224,000.00			14-Oct-2005		5.125%		HI - 80.00%		Paid Off - 360		01-May-2005
121034107 1					224,000.00			14-Oct-2005		5.125%		HI - 80.00%		Paid Off - 360		01-May-2005
121036159 3			460,000.00		460,000.00			28-Sep-2005		5.250%		IL - 80.00%		Paid Off - 360		01-Mar-2005
121036159 3					460,000.00			28-Sep-2005		5.250%		IL - 80.00%		Paid Off - 360		01-Mar-2005
121036162 3			256,500.00		256,500.00			20-Sep-2005		5.625%		CO - 90.00%		Paid Off - 360		01-Oct-2004
121036162 3					256,500.00			20-Sep-2005		5.625%		CO - 90.00%		Paid Off - 360		01-Oct-2004
121054691 4			208,000.00		207,999.56			29-Sep-2005		5.625%		FL - 80.00%		Paid Off - 360		01-May-2005
121054691 4					207,999.56			29-Sep-2005		5.625%		FL - 80.00%		Paid Off - 360		01-May-2005
121061353 6			344,000.00		343,941.15			13-Oct-2005		6.875%		DC - 80.00%		Paid Off - 360		01-May-2005
121061353 6					343,941.15			13-Oct-2005		6.875%		DC - 80.00%		Paid Off - 360		01-May-2005
121062803 1			133,500.00		132,985.81			26-Sep-2005		7.375%		KS - 75.00%		Paid Off - 360		01-May-2005
121062803 1					132,985.81			26-Sep-2005		7.375%		KS - 75.00%		Paid Off - 360		01-May-2005
121065113 1			296,000.00		296,000.00			23-Sep-2005		5.625%		CA - 80.00%		Paid Off - 360		01-May-2005
121065113 1					296,000.00			23-Sep-2005		5.625%		CA - 80.00%		Paid Off - 360		01-May-2005
121073861 1			157,600.00		157,549.11			20-Sep-2005		7.750%		CA - 80.00%		Paid Off - 360		01-May-2005
121073861 1					157,549.11			20-Sep-2005		7.750%		CA - 80.00%		Paid Off - 360		01-May-2005
121081734 2			504,000.00		504,000.00			14-Oct-2005		5.750%		CA - 80.00%		Paid Off - 360		01-May-2005
121081734 2					504,000.00			14-Oct-2005		5.750%		CA - 80.00%		Paid Off - 360		01-May-2005
121084216 3			628,000.00		628,000.00			12-Oct-2005		6.625%		MD - 80.00%		Paid Off - 360		01-Jun-2005
121084216 3					628,000.00			12-Oct-2005		6.625%		MD - 80.00%		Paid Off - 360		01-Jun-2005
121098498 3			156,000.00		156,000.00			04-Oct-2005		6.625%		MD - 80.00%		Paid Off - 360		01-May-2005
121098498 3					156,000.00			04-Oct-2005		6.625%		MD - 80.00%		Paid Off - 360		01-May-2005
121141609 6			720,000.00		720,000.00			29-Sep-2005		6.000%		CA - 75.00%		Paid Off - 360		01-May-2005
121141609 6					720,000.00			29-Sep-2005		6.000%		CA - 75.00%		Paid Off - 360		01-May-2005
121205913 2			686,250.00		683,038.02			28-Sep-2005		6.375%		CA - 75.00%		Paid Off - 360		01-May-2005
121205913 2					683,038.02			28-Sep-2005		6.375%		CA - 75.00%		Paid Off - 360		01-May-2005
120389475 2			377,500.00		377,500.00			23-Sep-2005		5.000%		MN - 79.47%		Repur/Subs - 360		01-Mar-2005
120389475 2					377,500.00			23-Sep-2005		5.000%		MN - 79.47%		Repur/Subs - 360		01-Mar-2005


TOTAL			#######		20,879,361.09
TOTAL


Page 33 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Realized Loss Report

COLLATERAL REALIZED LOSSES



											Group 7		Group 6		Group 5


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										0		0		0
Collateral Realized Loss/(Gain) Amount										0.00		0.00		0.00
Net Liquidation Proceeds										0.00		0.00		0.00





		Special Hazard Loss Coverage Amt
		Fraud Loss Coverage Amt
		Bankruptcy Loss Coverage Amt

COLLATERAL REALIZED LOSSES



							Group 4		Group 3		Group 2		Group 1		Total


Current
Current



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

Cumulative
Cumulative



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





		Special Hazard Loss Coverage Amt														6,879,910.96
		Fraud Loss Coverage Amt														22,818,638.00
		Bankruptcy Loss Coverage Amt														318,000.00







Page 34 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution





Page 35 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution


DEFAULT SPEEDS



											Group 7		Group 6		Group 5



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%

DEFAULT SPEEDS



							Group 4		Group 3		Group 2		Group 1		Total



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


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


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


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








Page 36 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution








Page 37 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

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 38 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

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 39 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Triggers and Adj. Cert. Report
TRIGGER EVENTS
TRIGGER EVENTS
										Group 7		Group 6		Group 5
						Has Optional Termination Date Reached (0=No,1=Yes)
						Has Sr. Prepay Stepdown Condition Occurred
						Has Spl. Haz. Cov. Term. Date Occured (0=No,1=Yes)
						Has Fraud Loss Coverage Term. Date Occured
						Has Bankrpt Loss Cov. Term. Date Occured

TRIGGER EVENTS
TRIGGER EVENTS
						Group 4		Group 3		Group 2		Group 1		Total
						Has Optional Termination Date Reached (0=No,1=Yes)								No
						Has Sr. Prepay Stepdown Condition Occurred								No
						Has Spl. Haz. Cov. Term. Date Occured (0=No,1=Yes)								No
						Has Fraud Loss Coverage Term. Date Occured								No
						Has Bankrpt Loss Cov. Term. Date Occured								No



ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK





Page 40 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 7		Group 6		Group 5
Current Senior Percentage										91.655580%		91.234984%		91.534475%
Current Subordinate Percentage										8.344420%		8.765016%		8.465525%
Senior Prepayment Percentage										100.000000%		100.000000%		100.000000%
Subordinate Prepayment Percentage										0.000000%		0.000000%		0.000000%

ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
						Group 4		Group 3		Group 2		Group 1		Total
Current Senior Percentage						91.350896%		91.199743%		90.485821%		91.102867%
Current Subordinate Percentage						8.649104%		8.800257%		9.514179%		8.897133%
Senior Prepayment Percentage						100.000000%		100.000000%		100.000000%		100.000000%
Subordinate Prepayment Percentage						0.000000%		0.000000%		0.000000%		0.000000%




Page 41 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution
Other Related Information
ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 7		Group 6		Group 5


Sched. Payments for 60+Day Delinquent Loans										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 1 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 2 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 3 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 4 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 5 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 6 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 7 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 8 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 9 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 10 Month Prior										0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 11 Month Prior										0.00		0.00		0.00



Class B-1 Writedown Amount
Class B-2 Writedown Amount
Class B-3 Writedown Amount
Class B-4 Writedown Amount
Class B-5 Writedown Amount
Class B-6 Writedown Amount



Page 42 of 43
IndyMac INDX Mortgage Loan Trust 2005-AR7

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-AR7

October 25, 2005 Distribution

ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
						Group 4		Group 3		Group 2		Group 1		Total


Sched. Payments for 60+Day Delinquent Loans						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 1 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 2 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 3 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 4 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 5 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 6 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 7 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 8 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 9 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 10 Month Prior						0.00		0.00		0.00		0.00		0.00
Sched. Pmts - 60+Day Delinquent Loans, 11 Month Prior						0.00		0.00		0.00		0.00		0.00



Class B-1 Writedown Amount														0.00
Class B-2 Writedown Amount														0.00
Class B-3 Writedown Amount														0.00
Class B-4 Writedown Amount														0.00
Class B-5 Writedown Amount														0.00
Class B-6 Writedown Amount														0.01




Page 43 of 43

IndyMac INDX Mortgage Loan Trust 2005-AR7 8-K