
                                     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):  December 27, 2005
                          (Date of earliest event reported)

                  Accredited Home Lenders, Inc. (as Seller, under the
             Indenture dated as November 1, 2005 providing for the issuance of
                         Accredited Mortgage Loan Trust 2005-4
                (Exact name of Registrant as specified in its Charter)

                                       DELAWARE
                     (State or Other Jurisdiction of Incorporation)

               333-124435-03                             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
     December 27, 2005.

                                    Signatures

               Pursuant to the requirements of the Securities Exchange Act of
          1934, the Registrant has duly caused this report to be signed on its
          behalf by the undersigned, hereunto duly authorized.


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


          Date:  Dec 29, 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 December 27, 2005.



Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution

				External Parties						Table of Contents

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

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


				Underwriter(s)
				Goldman Sachs & Co.


										Total Number of Pages					24
										Total Number of Pages

				Dates						Contacts

				Cut-Off Date:			November 01, 2005			Hang Luu
				Close Date:			November 23, 2005			Administrator
				First Distribution Date:			December 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:			December 27, 2005
										Factor Information:			(800) 735-7777
				Record Date:			November 30, 2005			Factor Information:			(800) 735-7777
										Main Phone Number:			(714) 247-6000

							December 23, 2005
							December 23, 2005

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






Page 1 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

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


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

A-1	SR	$	354,752,000.00		354,752,000.00		1,477,542.08		1,992,061.88		3,469,603.96		0.00		0.00		352,759,938.12
A-1	SR	$	354,752,000.00		354,752,000.00		1,477,542.08		1,992,061.88		3,469,603.96		0.00		0.00		352,759,938.12
A-2A	SR	$	258,711,000.00		258,711,000.00		1,038,437.21		5,916,284.09		6,954,721.30		0.00		0.00		252,794,715.91
A-2B	SR	$	140,874,000.00		140,874,000.00		574,765.92		0.00		574,765.92		0.00		0.00		140,874,000.00
A-2C	SR	$	128,843,000.00		128,843,000.00		532,980.54		0.00		532,980.54		0.00		0.00		128,843,000.00
A-2D	SR	$	106,374,000.00		106,374,000.00		451,084.86		0.00		451,084.86		0.00		0.00		106,374,000.00
M-1	MEZ	$	40,634,000.00		40,634,000.00		175,380.86		0.00		175,380.86		0.00		0.00		40,634,000.00
M-2	MEZ	$	37,646,000.00		37,646,000.00		163,906.50		0.00		163,906.50		0.00		0.00		37,646,000.00
M-3	MEZ	$	23,305,000.00		23,305,000.00		101,907.59		0.00		101,907.59		0.00		0.00		23,305,000.00
M-4	MEZ	$	20,317,000.00		20,317,000.00		90,952.44		0.00		90,952.44		0.00		0.00		20,317,000.00
M-5	MEZ	$	19,719,000.00		19,719,000.00		89,020.33		0.00		89,020.33		0.00		0.00		19,719,000.00
M-6	MEZ	$	17,329,000.00		17,329,000.00		79,212.78		0.00		79,212.78		0.00		0.00		17,329,000.00
M-7	MEZ	$	13,744,000.00		13,744,000.00		71,003.03		0.00		71,003.03		0.00		0.00		13,744,000.00
M-8	MEZ	$	11,951,000.00		11,951,000.00		66,593.63		0.00		66,593.63		0.00		0.00		11,951,000.00
M-9	MEZ	$	11,951,000.00		11,951,000.00		75,284.66		0.00		75,284.66		0.00		0.00		11,951,000.00
TRUST	EXE	$	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			1,186,150,000.00		1,186,150,000.00		4,988,072.43		7,908,345.97		12,896,418.40		0.00		0.00		1,178,241,654.03
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	11/23/05		12/26/05		A-Act/360		004375EE7		354,752,000.00		1,000.000000		4.165000		5.615365		9.780365	994.384635
A-2A	11/23/05		12/26/05		A-Act/360		004375EF4		258,711,000.00		1,000.000000		4.013889		22.868313		26.882202	977.131687
A-2B	11/23/05		12/26/05		A-Act/360		004375EG2		140,874,000.00		1,000.000000		4.080000		0.000000		4.080000	1,000.000000
A-2C	11/23/05		12/26/05		A-Act/360		004375EH0		128,843,000.00		1,000.000000		4.136667		0.000000		4.136667	1,000.000000
A-2D	11/23/05		12/26/05		A-Act/360		004375EJ6		106,374,000.00		1,000.000000		4.240556		0.000000		4.240556	1,000.000000
M-1	11/23/05		12/26/05		A-Act/360		004375EK3		40,634,000.00		1,000.000000		4.316111		0.000000		4.316111	1,000.000000
M-2	11/23/05		12/26/05		A-Act/360		004375EL1		37,646,000.00		1,000.000000		4.353889		0.000000		4.353889	1,000.000000
M-3	11/23/05		12/26/05		A-Act/360		004375EM9		23,305,000.00		1,000.000000		4.372778		0.000000		4.372778	1,000.000000
M-4	11/23/05		12/26/05		A-Act/360		004375EN7		20,317,000.00		1,000.000000		4.476667		0.000000		4.476667	1,000.000000
M-5	11/23/05		12/26/05		A-Act/360		004375EP2		19,719,000.00		1,000.000000		4.514444		0.000000		4.514444	1,000.000000
M-6	11/23/05		12/26/05		A-Act/360		004375EQ0		17,329,000.00		1,000.000000		4.571111		0.000000		4.571111	1,000.000000
M-7	11/23/05		12/26/05		A-Act/360		004375ER8		13,744,000.00		1,000.000000		5.166111		0.000000		5.166111	1,000.000000
M-8	11/23/05		12/26/05		A-Act/360		004375ES6		11,951,000.00		1,000.000000		5.572222		0.000000		5.572222	1,000.000000
M-9	11/23/05		12/26/05		A-Act/360		004375ET4		11,951,000.00		1,000.000000		6.299444		0.000000		6.299444	1,000.000000
TRUST	11/25/05		12/24/05		A-30/360		AC0504001		0.00		0.000000		0.000000		0.000000		0.000000	0.000000




Page 2 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution

Distribution to Date - REMIC I
																	Current


	Original				Unscheduled		Scheduled		Total		Total		Realized		Deferred		Principal

Class	Face Value		Interest		Principal		Principal		Principal		Distribution		Loss		Interest		Balance
	(1)		(2)		(3)		(4)		(5)=(3)+(4)		(6)=(2)+(5)		(7)		(8)		(9)=(1)-(5)-(7)+(8)
A-1	354,752,000.00		1,477,542.08		1,828,151.80		163,910.08		1,992,061.88		3,469,603.96		0.00		0.00		352,759,938.12
A-2A	258,711,000.00		1,038,437.21		5,429,482.66		486,801.43		5,916,284.09		6,954,721.30		0.00		0.00		252,794,715.91
A-2B	140,874,000.00		574,765.92		0.00		0.00		0.00		574,765.92		0.00		0.00		140,874,000.00
A-2C	128,843,000.00		532,980.54		0.00		0.00		0.00		532,980.54		0.00		0.00		128,843,000.00
A-2D	106,374,000.00		451,084.86		0.00		0.00		0.00		451,084.86		0.00		0.00		106,374,000.00
M-1	40,634,000.00		175,380.86		0.00		0.00		0.00		175,380.86		0.00		0.00		40,634,000.00
M-2	37,646,000.00		163,906.50		0.00		0.00		0.00		163,906.50		0.00		0.00		37,646,000.00
M-3	23,305,000.00		101,907.59		0.00		0.00		0.00		101,907.59		0.00		0.00		23,305,000.00
M-4	20,317,000.00		90,952.44		0.00		0.00		0.00		90,952.44		0.00		0.00		20,317,000.00
M-5	19,719,000.00		89,020.33		0.00		0.00		0.00		89,020.33		0.00		0.00		19,719,000.00
M-6	17,329,000.00		79,212.78		0.00		0.00		0.00		79,212.78		0.00		0.00		17,329,000.00
M-7	13,744,000.00		71,003.03		0.00		0.00		0.00		71,003.03		0.00		0.00		13,744,000.00
M-8	11,951,000.00		66,593.63		0.00		0.00		0.00		66,593.63		0.00		0.00		11,951,000.00
M-9	11,951,000.00		75,284.66		0.00		0.00		0.00		75,284.66		0.00		0.00		11,951,000.00
TRUST	0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total	1,186,150,000.00		4,988,072.43		7,257,634.46		650,711.51		7,908,345.97		12,896,418.40		0.00		0.00		1,178,241,654.03


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	4.41000%		354,752,000.00		1,477,542.08		0.00		0.00		0.00		1,477,542.08		1,477,542.08		0.00
A-2A	4.25000%		258,711,000.00		1,038,437.21		0.00		0.00		0.00		1,038,437.21		1,038,437.21		0.00
A-2B	4.32000%		140,874,000.00		574,765.92		0.00		0.00		0.00		574,765.92		574,765.92		0.00
A-2C	4.38000%		128,843,000.00		532,980.54		0.00		0.00		0.00		532,980.54		532,980.54		0.00
A-2D	4.49000%		106,374,000.00		451,084.86		0.00		0.00		0.00		451,084.86		451,084.86		0.00
M-1	4.57000%		40,634,000.00		175,380.86		0.00		0.00		0.00		175,380.86		175,380.86		0.00
M-2	4.61000%		37,646,000.00		163,906.50		0.00		0.00		0.00		163,906.50		163,906.50		0.00
M-3	4.63000%		23,305,000.00		101,907.59		0.00		0.00		0.00		101,907.59		101,907.59		0.00
M-4	4.74000%		20,317,000.00		90,952.44		0.00		0.00		0.00		90,952.44		90,952.44		0.00
M-5	4.78000%		19,719,000.00		89,020.33		0.00		0.00		0.00		89,020.33		89,020.33		0.00
M-6	4.84000%		17,329,000.00		79,212.78		0.00		0.00		0.00		79,212.78		79,212.78		0.00
M-7	5.47000%		13,744,000.00		71,003.03		0.00		0.00		0.00		71,003.03		71,003.03		0.00
M-8	5.90000%		11,951,000.00		66,593.63		0.00		0.00		0.00		66,593.63		66,593.63		0.00
M-9	6.67000%		11,951,000.00		75,284.66		0.00		0.00		0.00		75,284.66		75,284.66		0.00
TRUST	0.00000%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00


Total			1,186,150,000.00		4,988,072.43		0.00		0.00		0.00		4,988,072.43		4,988,072.43		0.00



Page 3 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution
Collection Account Report
SUMMARY
SUMMARY
										Group 2		Group 1		Total
Principal Collections										4,832,336.77		1,627,087.84		6,459,424.61
Principal Withdrawals										0.00		0.00		0.00
Principal Other Accounts										0.00		0.00		0.00
TOTAL NET PRINCIPAL										4,832,336.77		1,627,087.84		6,459,424.61
Interest Collections										4,458,506.67		2,492,390.60		6,950,897.27
Interest Withdrawals										-0.00		-0.00		-0.00
Interest Fees										-77,528.04		-43,377.75		-120,905.79
Interest Other Accounts														(392,997.69)
TOTAL NET INTEREST										4,380,978.64		2,449,012.85		6,436,993.79
TOTAL AVAILABLE FUNDS FOR DISTRIBUTION														12,896,418.40



PRINCIPAL - COLLECTIONS
PRINCIPAL - COLLECTIONS
											Group 2		Group 1		Total
Scheduled Principal Received											409,666.73		241,044.78		650,711.51
Curtailments											24,932.82		12,732.92		37,665.74
Prepayments In Full											4,397,737.22		1,248,310.13		5,646,047.35
Repurchased/Substitutions											0.00		125,000.00		125,000.00
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											-308,694.42		-181,483.51		-490,177.93
Realized Losses											-0.00		-0.00		-0.00
Advanced Principal											308,694.42		181,483.51		490,177.93
TOTAL PRINCIPAL COLLECTED											4,832,336.77		1,627,087.84		6,459,424.61


PRINCIPAL - WITHDRAWALS

SPACE INTENTIONALLY LEFT BLANK



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





Page 4 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution

INTEREST - COLLECTIONS
INTEREST - COLLECTIONS
										Group 2		Group 1		Total
Scheduled Interest										4,700,424.25		2,626,824.13		7,327,248.38
Repurchased/Substitution Interest										0.00		707.29		707.29
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										-3,392.39		-923.71		-4,316.10
Delinquent Interest										-3,574,960.43		-1,996,349.05		-5,571,309.48
Compensating Interest										3,392.39		923.71		4,316.10
Civil Relief Act Shortfalls										-0.00		-0.00		-0.00
Interest Loss										-0.00		-0.00		-0.00
Interest Advanced										3,333,042.86		1,861,208.24		5,194,251.10
TOTAL INTEREST COLLECTED										4,458,506.67		2,492,390.60		6,950,897.27


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														74,823.05
TOTAL SWAP INFLOW / (OUTFLOW)														(467,820.74)
TOTAL INTEREST OTHER ACCOUNTS														(392,997.69)



INTEREST - FEES
INTEREST - FEES
										Group 2		Group 1		Total
Current Servicing Fees										77,528.04		43,377.75		120,905.78
Tax Fees														0.00
Trustee Fees										0.00		0.00		0.00
TOTAL INTEREST FEES										77,528.04		43,377.75		120,905.79




Page 5 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

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



INSURANCE

SPACE INTENTIONALLY LEFT BLANK



STRUCTURAL FEATURES
STRUCTURAL FEATURES
										Group 2		Group 1		Total
Begining Overcollateralized Amount														8,964,020.93
Ending Overcollateralized Amount														10,412,942.29
Overcollateralization Deficiency Amount														17,074,680.19
Overcollateralization Target Amount														27,487,622.48




Page 6 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution
Collateral Report


COLLATERAL



											Group 2		Group 1		Total



Loan Count:


Original										3,904		2,694		6,598
Prior										3,904		2,694		6,598
Prefunding										0		0		0
Scheduled Paid Offs										-0		-0		-0
Full Voluntary Prepayments										-18		-6		-24
Repurchases										-0		-1		-1
Liquidations										-0		-0		-0
Current										3,886		2,687		6,573
Principal Balance:


Original										766,669,464.55		428,444,556.38		1,195,114,020.93
Prior										766,669,464.55		428,444,556.38		1,195,114,020.93
Prefunding										0.00		0.00		0.00
Scheduled Principal										-409,666.73		-241,044.78		-650,711.51
Partial Prepayments										-24,932.82		-12,732.92		-37,665.74
Full Voluntary Prepayments										-4,397,737.22		-1,248,310.13		-5,646,047.35
Repurchases										-0.00		-125,000.00		-125,000.00
Liquidations										-0.00		-0.00		-0.00
Current										761,837,127.78		426,817,468.54		1,188,654,596.32





PREFUNDING

SPACE INTENTIONALLY LEFT BLANK






Page 7 of 24
Accredited Mortgage Loan Trust 2005-4

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Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution

CHARACTERISTICS
CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Coupon Original										7.35716%		7.35927%		7.35791%
Weighted Average Coupon Prior										7.35716%		7.35927%		7.35791%
Weighted Average Coupon Current										7.35716%		7.35927%		7.35791%
Weighted Average Months to Maturity Original										355		355		355
Weighted Average Months to Maturity Prior										355		355		355
Weighted Average Months to Maturity Current										355		355		355
Weighted Avg Remaining Amortization Term Original										400		403		401
Weighted Avg Remaining Amortization Term Prior										400		403		401
Weighted Avg Remaining Amortization Term Current										400		403		401
Weighted Average Seasoning Original										1.99		1.97		1.98
Weighted Average Seasoning Prior										1.99		1.97		1.98
Weighted Average Seasoning Current										1.99		1.97		1.98









Page 8 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution

ARM CHARACTERISTICS
ARM CHARACTERISTICS
										Group 2		Group 1		Total
Weighted Average Margin Original										5.84947%		5.71064%		5.79636%
Weighted Average Margin Prior										5.84947%		5.71064%		5.79636%
Weighted Average Margin Current										5.84947%		5.71064%		5.79636%
Weighted Average Max Rate Original										14.49393%		14.39179%		14.45485%
Weighted Average Max Rate Prior										14.49393%		14.39179%		14.45485%
Weighted Average Max Rate Current										14.49393%		14.39179%		14.45485%
Weighted Average Min Rate Original										7.49393%		7.39179%		7.45485%
Weighted Average Min Rate Prior										7.49393%		7.39179%		7.45485%
Weighted Average Min Rate Current										7.49393%		7.39179%		7.45485%
Weighted Average Cap Up Original										1.49932%		1.49799%		1.49881%
Weighted Average Cap Up Prior										1.49932%		1.49799%		1.49881%
Weighted Average Cap Up Current										1.49932%		1.49799%		1.49881%
Weighted Average Cap Down Original										1.49932%		1.49799%		1.49881%
Weighted Average Cap Down Prior										1.49932%		1.49799%		1.49881%
Weighted Average Cap Down Current										1.49932%		1.49799%		1.49881%




SERVICING FEES & ADVANCES

											Group 2		Group 1		Total




Current Servicing Fees										77,528.04		43,377.75		120,905.78
Delinquent Servicing Fees										241,917.57		135,140.82		377,058.39
TOTAL SERVICING FEES										319,445.62		178,518.57		497,964.19


Total Servicing Fees										319,445.62		178,518.57		497,964.19
Compensating Interest										-3,392.39		-923.71		-4,316.10
Delinquent Servicing Fees										-241,917.57		-135,140.82		-377,058.39
COLLECTED SERVICING FEES										74,135.65		42,454.04		116,589.69


Total Advanced Interest										3,333,042.86		1,861,208.24		5,194,251.10
Total Advanced Principal										308,694.42		181,483.51		490,177.93
Aggregate Advances with respect to this Distribution										3,641,737.28		2,042,691.75		5,684,429.03





ADDITIONAL COLLATERAL INFORMATION
										Group 2		Group 1		Total
Prepayment Interest Shortfall (PPIS)										3,392.39		923.71		4,316.10
Compensating Interest										-3,392.39		-923.71		-4,316.10
Net Prepayment Interest Shortfall (PPIS)										0.00		0.00		0.00

Ending Pool Stated Principal Balance										761,837,127.78		426,817,468.54		1,188,654,596.32
Weighted Average Net Mortgage Rate										6.857159%		6.859267%		6.857915%




Page 9 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution
Delinquency Report

	TOTAL
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				2,307,767.78		0.00		0.00		2,307,767.78
			% Balance				0.19%		0.00%		0.00%		0.19%
			# Loans				11		0		0		11
			% # Loans				0.17%		0.00%		0.00%		0.17%
	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		134,098.28		0.00		0.00		0.00		134,098.28
			% Balance		0.01%		0.00%		0.00%		0.00%		0.01%
			# Loans		1		0		0		0		1
			% # Loans		0.02%		0.00%		0.00%		0.00%		0.02%
	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		134,098.28		2,307,767.78		0.00		0.00		2,441,866.06
			% Balance		0.01%		0.19%		0.00%		0.00%		0.21%
			# Loans		1		11		0		0		12
			% # Loans		0.02%		0.17%		0.00%		0.00%		0.18%








Page 10 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution


	GROUP 1
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				791,615.36		0.00		0.00		791,615.36
			% Balance				0.19%		0.00%		0.00%		0.19%
			# Loans				4		0		0		4
			% # Loans				0.15%		0.00%		0.00%		0.15%
	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		791,615.36		0.00		0.00		791,615.36
			% Balance		0.00%		0.19%		0.00%		0.00%		0.19%
			# Loans		0		4		0		0		4
			% # Loans		0.00%		0.15%		0.00%		0.00%		0.15%










Page 11 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution

	GROUP 2
					< 1 PAYMENT		1 PAYMENT		2 PAYMENTS		3+ PAYMENTS		TOTAL
	DELINQUENT		Balance				1,516,152.42		0.00		0.00		1,516,152.42
			% Balance				0.20%		0.00%		0.00%		0.20%
			# Loans				7		0		0		7
			% # Loans				0.18%		0.00%		0.00%		0.18%
	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		134,098.28		0.00		0.00		0.00		134,098.28
			% Balance		0.02%		0.00%		0.00%		0.00%		0.02%
			# Loans		1		0		0		0		1
			% # Loans		0.03%		0.00%		0.00%		0.00%		0.03%
	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		134,098.28		1,516,152.42		0.00		0.00		1,650,250.70
			% Balance		0.02%		0.20%		0.00%		0.00%		0.22%
			# Loans		1		7		0		0		8
			% # Loans		0.03%		0.18%		0.00%		0.00%		0.21%









Page 12 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

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

														First
&			Principal		Principal		Paid to		Note		LTV at		Original		Payment

Loan Group			Balance		Balance		Date		Rate		Origination		Term		Date




TOTAL


Page 13 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

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

														First
&			Principal		Principal		Paid to		Note		LTV at		Original		Payment

Loan Group			Balance		Balance		Date		Rate		Origination		Term		Date




TOTAL


Page 14 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution
Prepayment Report

VOLUNTARY PREPAYMENTS
VOLUNTARY PREPAYMENTS

											Group 2		Group 1		Total




Current


Number of Paid in Full Loans										18		6		24
Number of Repurchased Loans										0		1		1
Total Number of Loans Prepaid in Full										18		7		25
Curtailments Amount										24,932.82		12,732.92		37,665.74
Paid in Full Balance										4,397,737.22		1,248,310.13		5,646,047.35
Repurchased Loans Balance										0.00		125,000.00		125,000.00
Total Prepayment Amount										4,422,670.04		1,386,043.05		5,808,713.09

Cumulative


Number of Paid in Full Loans										18		6		24
Number of Repurchased Loans										0		1		1
Total Number of Loans Prepaid in Full										18		7		25
Paid in Full Balance										4,397,737.22		1,248,310.13		5,646,047.35
Repurchased Loans Balance										0.00		125,000.00		125,000.00
Curtailments Amount										24,932.82		12,732.92		37,665.74
Total Prepayment Amount										4,422,670.04		1,386,043.05		5,808,713.09










Page 15 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES
VOLUNTARY PREPAYMENTS RATES

											Group 2		Group 1		Total



SMM										0.58%		0.32%		0.49%
3 Months Avg SMM										0.58%		0.32%		0.49%
12 Months Avg SMM										0.58%		0.32%		0.49%
Avg SMM Since Cut-off										0.58%		0.32%		0.49%


CPR										6.71%		3.82%		5.68%
3 Months Avg CPR										6.71%		3.82%		5.68%
12 Months Avg CPR										6.71%		3.82%		5.68%
Avg CPR Since Cut-off										6.71%		3.82%		5.68%


PSA										1,688.52%		966.82%		1,433.30%
3 Months Avg PSA Approximation										1,688.53%		966.83%		1,433.29%
12 Months Avg PSA Approximation										1,688.53%		966.83%		1,433.29%
Avg PSA Since Cut-off Approximation										1,688.53%		966.83%		1,433.29%










Page 16 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution






PREPAYMENT CALCULATION METHODOLOGY

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













Page 17 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

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

&		Loan	Principal		Prepayment			Prepayment		Note		LTV at		&		Payment

Loan Group		Status	Balance		Amount			Date		Rate		Origination		Original Term		Date

506285352 1			240,000.00		239,405.19			07-Dec-2005		6.990%		AZ - 78.69%		Paid Off - 360		01-Sep-2005
506285352 1			240,000.00		239,405.19			07-Dec-2005		6.990%		AZ - 78.69%		Paid Off - 360		01-Sep-2005
507201508 1			320,000.00		319,304.66			01-Dec-2005		6.950%		MA - 71.11%		Paid Off - 360		01-Oct-2005
507268213 2			276,250.00		276,090.74			05-Dec-2005		7.990%		CA - 85.00%		Paid Off - 360		01-Oct-2005
507270066 2			138,226.80		138,138.65			17-Nov-2005		8.250%		FL - 80.00%		Paid Off - 360		01-Nov-2005
508026530 2			78,160.00		78,160.00			02-Dec-2005		7.875%		NM - 80.00%		Paid Off - 360		01-Oct-2005
508083728 2			225,000.00		224,689.29			13-Dec-2005		7.875%		CA - 81.82%		Paid Off - 360		01-Oct-2005
508094783 2			106,000.00		105,856.97			07-Dec-2005		7.990%		OK - 83.47%		Paid Off - 360		01-Oct-2005
508095008 2			377,360.00		376,946.11			17-Nov-2005		8.999%		MI - 80.00%		Paid Off - 360		01-Oct-2005
508106529 2			283,000.00		282,533.78			15-Nov-2005		6.990%		CA - 79.72%		Paid Off - 360		01-Oct-2005
508118321 1			75,000.00		74,885.51			18-Nov-2005		7.375%		NC - 83.33%		Paid Off - 360		01-Oct-2005
508119139 2			168,300.00		168,012.77			13-Dec-2005		6.875%		PA - 80.14%		Paid Off - 360		01-Oct-2005
508151438 2			456,800.00		456,800.00			15-Dec-2005		7.499%		NJ - 80.00%		Paid Off - 360		01-Oct-2005
508256757 2			127,800.00		127,712.05			13-Dec-2005		7.875%		WI - 90.00%		Paid Off - 360		#######
508268901 1			244,930.00		244,799.04			17-Nov-2005		8.250%		SC - 70.00%		Paid Off - 360		01-Oct-2005
508301532 1			108,000.00		107,915.74			01-Dec-2005		7.250%		TX - 64.87%		Paid Off - 360		01-Nov-2005
509027006 2			279,000.00		278,928.34			16-Nov-2005		8.375%		FL - 90.00%		Paid Off - 360		01-Nov-2005
509070231 2			265,500.00		265,413.44			01-Dec-2005		7.550%		UT - 66.38%		Paid Off - 360		01-Nov-2005
509070655 2			412,000.00		412,000.00			14-Dec-2005		7.990%		CA - 80.00%		Paid Off - 360		01-Nov-2005
509093096 2			150,000.00		149,950.39			01-Dec-2005		7.500%		DE - 61.22%		Paid Off - 360		01-Nov-2005
509137961 2			439,200.00		438,904.70			15-Dec-2005		7.990%		NJ - 80.00%		Paid Off - 360		01-Nov-2005
509218830 2			141,600.00		141,600.00			07-Dec-2005		8.375%		OH - 80.00%		Paid Off - 360		01-Nov-2005
509231677 1			262,000.00		262,000.00			15-Dec-2005		7.375%		IL - 77.06%		Paid Off - 360		01-Dec-2005
510125703 2			400,800.00		400,800.00			12-Dec-2005		10.250%		AZ - 80.00%		Paid Off - 360		01-Dec-2005
510206281 2			75,200.00		75,200.00			01-Dec-2005		7.875%		FL - 80.00%		Paid Off - 360		01-Dec-2005
508302810 1			125,000.00		125,000.00			13-Dec-2005		6.790%		CA - 57.87%		Repur/Subs - 360		01-Dec-2005


TOTAL			5,775,126.80		5,771,047.35
TOTAL


Page 18 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 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										0		0		0
Collateral Realized Loss/(Gain) Amount										0.00		0.00		0.00
Net Liquidation Proceeds										0.00		0.00		0.00










Page 19 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution


DEFAULT SPEEDS



											Group 2		Group 1		Total



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


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


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


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












Page 20 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution





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



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

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

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

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

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

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

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




Page 21 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

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

Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)
Loan Group		Status	Rate		Origination		Term		Balance		Revision		Loss/(Gain)		Loss/(Gain)




TOTAL



Page 22 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

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

						Does the Group I Seq. Trigger Event Exist?

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

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

						(i) The quotient of ( (1)/(2) > (3) )
						(1) 60+ Day Rolling Delinquency Balance								0.00
						(2) Stated Principal Balance								1,188,654,596.32
						60+ Day Delinquency % ( (1)/(2) )								0.000000%
						(3) 37% of Senior Enhancement %								7.224014%

						(ii) The quotient of ( (4)/(5) > (6))
						(4) Aggregate Cumulative Realized Loss								0.00
						(5) Cutoff Date Pool Principal Balance								1,195,114,020.93
						Trigger Event Loss % ( (4)/(5) )								0.000000%
						(6) Applicable Loss %								0.000000%


ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK



ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 2		Group 1		Total
Current LIBOR Rate														4.170000%
Next LIBOR Rate														4.378750%



Page 23 of 24
Accredited Mortgage Loan Trust 2005-4

Mortgage Pass-Through Certificates
Mortgage Pass-Through Certificates
2005-4

December 27, 2005 Distribution
Other Related Information
ADDITIONAL INFORMATION
ADDITIONAL INFORMATION
										Group 2		Group 1		Total
Current Scheduled Payments														7,977,959.88
Current Scheduled Payments 1 Month Prior														0.00
Current Scheduled Payments 2 Month Prior														0.00
Current Scheduled Payments 3 Month Prior														0.00
Current Scheduled Payments 4 Month Prior														0.00
Current Scheduled Payments 5 Month Prior														0.00
Current Scheduled Payments 6 Month Prior														0.00
Current Scheduled Payments 7 Month Prior														0.00
Current Scheduled Payments 8 Month Prior														0.00
Current Scheduled Payments 9 Month Prior														0.00
Current Scheduled Payments 10 Month Prior														0.00
Current Scheduled Payments 11 Month Prior														0.00

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




Page 24 of 24

Accredited Mortgage Loan Trust 2005-4 8-K