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): ~~May~~June 2527, 2005 (Date of earliest event reported) Indymac MBS Inc (as Depositor under the Pooling and Servicing Agreement, dated as February 1, 2005, providing for the issuance of IndyMAc INDX Mortgage Loan Trust 2005-AR4 Mortgage Pass-Through Certificates, Series 2005-AR4) (Exact name of registrant as specified in charter) DELAWARE (State or Other Jurisdiction of Incorporation) 333-119384-12 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 ~~May~~June 2527, 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: Jun 0230, 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 ~~May~~June 2527, 2005.

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

May 25, 2005 Distribution

June 27, 2005 Distribution

Contents

TABLE OF CONTENTS

Page

Contents

Certificate Payment Report

Collection Account Report

Credit Enhancement Report

Collateral Report

Delinquency Report

REO Report

Prepayment Report

Prepayment Detail Report

10.

Realized Loss Report

11.

Realized Loss Detail Report

12.

Triggers, Adj. Rate Cert. and Miscellaneous Report

13.

Other Related Information

Total Number of Pages

CONTACTS

Administrator: Brent Hoyler

Direct Phone Number: (714)247-6322

Address: Deutsche Bank

1761 E. St. Andrew Place, Santa Ana, CA 92705

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

Factor Information: (800) 735-7777

Main Phone Number: (714) 247-6000

ISSUANCE INFORMATION

Seller:

IndyMac Bank

Cut-Off Date: February 1, 2005

Certificate Insurer(s):

Closing Date: January 28, 2005

First Payment Date: March 25, 2005

Servicer(s):

IndyMac Bank Servicer

Distribution Date: May 25, 2005

Distribution Date: June 27, 2005

Underwriter(s):

Greenwich Capital Markets Underwriter

Record Date: ~~May~~June 24, 2005

April 29, 2005

May 31, 2005

Page 1 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Master Remic Series 2005-AR4

Certificate Payment Report for May 25, 2005 Distribution

Certificate Payment Report for June 27, 2005 Distribution

Distribution in Dollars - Current Period

Prior

Current

Class

Original

Principal

Total

Realized

Deferred

Principal

Class

Type

Face Value

Balance

Interest

Principal

Distribution

Losses

Interest

Balance

(1)

(2)

(3)

(4)=(2)+(3)

(5)

(6)

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

1-A-1

STEP

304,957,000.00

~~301~~300,~~518~~355,~~618~~974.6044

~~836~~936,~~714~~109.1745

1,~~162~~757,~~644~~809.1610

12,~~999~~693,~~358~~918.3355

~~300~~298,~~355~~598,~~974~~165.4434

2-A-1A

STEP

131,895,000.00

~~130~~129,~~555~~475,~~445~~365.2337

~~359~~399,~~027~~970.4798

1988,~~080,079~~183.8699

1,~~439~~388,~~107~~154.3397

~~129~~128,~~475~~487,~~365~~181.3738

2-A-1B

STEP

87,931,000.00

8786,~~037~~317,~~953~~891.3390

~~242~~270,~~980~~606.9559

~~720~~658,~~061~~796.4382

~~963~~929,~~042~~403.3841

8685,~~317~~659,~~891~~095.9008

2-A-2

STEP

33,885,000.00

33,~~540~~263,~~856~~374.4532

93104,~~914~~585.4059

~~277~~253,~~482~~873.1327

~~371~~358,~~396~~458.5386

33,~~263~~009,~~374~~501.3205

A-X-1

~~344~~330,~~023~~741.3463

A-X-2

~~401~~306,~~756~~992.9827

A-R

100.00

B-1

SUB

12,902,000.00

12,~~894~~893,~~002~~995.1500

3839,~~359~~111.6678

712.1534

3839,~~366~~124.8112

12,893,~~995~~982.0066

B-2

SUB

10,501,000.00

10,494,~~490~~484.5169

34,~~107~~719.0925

510.8204

34,~~112~~729.9129

10,494,~~484~~474.6965

B-3

SUB

7,201,000.00

7,196,~~536~~532.1516

28,~~306~~726.3816

36.9989

28,~~310~~733.3705

7,196,~~532~~525.1627

B-4

SUB

5,401,000.00

5,397,~~651~~648.9697

21,~~455~~770.6752

25.9916

21,~~458~~775.6668

5,397,~~648~~643.9781

B-5

SUB

3,001,000.00

2,999,~~139~~138.7004

1112,~~921~~096.5852

12.6687

1112,~~923~~099.2439

2,999,~~138~~135.0417

B-6

SUB

2,400,766.24

2,399,~~278~~276.0269

9,~~537~~677.1308

12.3330

9,~~538~~679.4638

2,399,~~276~~274.6939

SUB

100.00

3034,~~698~~697.1206

100.00

Total

600,074,966.24

~~594~~590,~~034~~793,~~072~~781.1058

2,~~452~~529,~~802~~804.9488

3,~~240~~658,~~290~~702.5278

56,~~693~~188,~~093~~507.4666

~~590~~587,~~793~~135,~~781~~078.5880

Interest Accrual Detail

Current Period Factor Information per $1,000 of Original Face

Orig. Principal

Prior

Current

Period

(with Notional)

Principal

Total

Principal

Class

Starting

Ending

Method

Cusip

Balance

Interest

Principal

Distribution

Balance

(1)

(2)

(3)

(4)=(2)+(3)

(5)

1-A-1

A-Act/360

45660LEF2

304,957,000.00

~~988~~984.~~725029~~912543

23.~~743712~~069644

35.~~812486~~764121

68.~~556198~~833765

~~984~~979.~~912543~~148422

2-A-1A

0405/25/05

0506/2426/05

A-Act/360

45660LEG0

131,895,000.00

~~989~~981.~~843779~~654842

23.~~722070~~032495

87.~~188937~~492202

10.~~911007~~524697

~~981~~974.~~654842~~162640

2-A-1B

0405/25/05

0506/2426/05

A-Act/360

45660LEH8

87,931,000.00

~~989~~981.~~843779~~654842

23.~~763314~~077488

87.~~188937~~492202

10.~~952251~~569690

~~981~~974.~~654842~~162640

2-A-2

0405/25/05

0506/2426/05

A-Act/360

45660LEJ4

33,885,000.00

~~989~~981.~~843779~~654842

23.~~771563~~086486

87.~~188937~~492202

10.~~960500~~578689

~~981~~974.~~654842~~162640

A-X-1

0405/25/05

0506/2426/05

F-30/360

45660LEK1

558,668,000.00

~~923~~888.~~688160~~027304

0.~~615792~~592018

~~888~~853.~~027304~~643223

A-X-2

0405/25/05

0506/2426/05

A-30/360

45660LEL9

600,074,866.00

~~989~~984.~~933100~~533289

0.~~669511~~511590

~~984~~978.~~533289~~436212

A-R

A-30/360

45660LET2

100.00

B-1

A-30/360

45660LEM7

12,902,000.00

999.~~380108~~379554

23.~~973156~~031451

0.~~000554~~000956

23.~~973710~~032407

999.~~379554~~378597

B-2

A-30/360

45660LEN5

10,501,000.00

999.~~380108~~379553

3.~~247985~~306280

0.~~000554~~000956

3.~~248539~~307236

999.~~379553~~378597

B-3

A-30/360

45660LEP0

7,201,000.00

999.~~380107~~379553

3.~~930896~~989190

0.~~000554~~000957

3.~~931450~~990147

999.~~379553~~378596

B-4

A-30/360

45660LEQ8

5,401,000.00

999.~~380107~~379554

34.~~972537~~030831

0.~~000554~~000955

34.~~973090~~031787

999.~~379554~~378598

B-5

A-30/360

45660LER6

3,001,000.00

999.~~380107~~379553

34.~~972536~~030830

0.~~000553~~000956

34.~~973089~~031786

999.~~379553~~378597

B-6

A-30/360

45660LES4

2,400,766.24

999.~~380106~~379552

34.~~972536~~030830

0.~~000554~~000958

34.~~973090~~031788

999.~~379552~~378594

A-30/360

IN05A401P

100.00

1,000.000000

~~306~~346,~~981~~970.~~200000~~600000

1,000.000000

Page 2 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Master Remic Series 2005-AR4

Certificate Payment Report for May 25, 2005 Distribution

Certificate Payment Report for June 27, 2005 Distribution

Distribution in Dollars - to Date

Current

Original

Unscheduled

Scheduled

Total

Realized

Deferred

Principal

Class

Face Value

Interest

Principal

Distribution

Losses

Interest

Balance

(1)

(2)

(3)

(4)

(5)=(3)+(4)

(6)=(2)+(5)

(7)

(8)

(9)=(1)-(5)-(7)+(8)

1-A-1

304,957,000.00

23,~~791~~728,~~931~~041.6409

46,~~409~~167,~~418~~200.3519

191,~~607~~634.2147

46,~~601~~358,~~025~~834.5666

710,~~392~~086,~~957~~875.2075

~~300~~298,~~355~~598,~~974~~165.4434

2-A-1A

131,895,000.00

1,~~196~~596,~~853~~824.8684

23,~~339~~327,~~118~~044.6500

80,~~515~~774.9862

23,~~419~~407,~~634~~818.6362

35,~~616~~004,~~488~~643.4946

~~129~~128,~~475~~487,~~365~~181.3738

2-A-1B

87,931,000.00

~~810~~1,~~927~~081,534.5211

12,~~559~~218,~~430~~054.1756

53,~~677~~850.9336

12,~~613~~271,~~108~~904.1092

23,~~424~~353,~~035~~439.6203

8685,~~317~~659,~~891~~095.9008

2-A-2

33,885,000.00

~~313~~418,~~501~~086.3594

~~600~~854,~~940~~747.4123

20,~~685~~751.2772

~~621~~875,~~625~~498.6895

~~935~~1,~~127~~293,585.0389

33,~~263~~009,~~374~~501.3205

A-X-1

1,~~074~~405,~~266~~008.8548

A-X-2

~~752~~1,~~529~~059,521.5683

A-R

100.00

0.30

100.00

100.30

B-1

12,902,000.00

~~128~~168,~~909~~020.1896

3,~~537~~542.1661

4,~~467~~474.8473

8,~~005~~017.0034

~~136~~176,~~914~~038.1830

12,893,~~995~~982.0066

B-2

10,501,000.00

~~115~~150,~~312~~031.2348

3,~~164~~169.2816

3,~~351~~356.0319

6,~~515~~525.3135

~~121~~156,~~827~~556.5483

10,494,~~484~~474.6965

B-3

7,201,000.00

96125,~~783~~509.0824

2,~~605~~609.8890

1,~~861~~864.9683

4,~~467~~474.8473

~~101~~129,~~250~~983.9297

7,196,~~532~~525.1627

B-4

5,401,000.00

7395,~~400~~171.5406

1,~~861~~864.4834

1,~~489~~491.5585

3,~~351~~356.0319

7698,~~751~~527.5725

5,397,~~648~~643.9781

B-5

3,001,000.00

4052,~~784~~880.1163

1,~~861~~864.9683

4254,~~646~~745.0746

2,999,~~138~~135.0417

B-6

2,400,766.24

3242,~~626~~303.8391

1,~~489~~491.5585

3443,~~116~~795.3876

2,399,~~276~~274.6939

100.00

92127,~~821~~518.6369

100.00

Total

600,074,966.24

710,~~520~~050,~~648~~453.6856

812,~~921~~580,~~938~~096.3482

359,~~246~~790.3262

912,~~281~~939,~~184~~887.6644

1622,~~801~~990,~~833~~341.3400

~~590~~587,~~793~~135,~~781~~078.5880

Interest Detail

Pass-

Prior Principal

Non-

Prior

Unscheduled

Paid or

Current

Through

(with Notional)

Accrued

Supported

Unpaid

Interest

Optimal

Deferred

Unpaid

Class

Rate

Balance

Interest

Interest SF

Interest

Adjustments

Interest

(1)

(2)

(3)

(4)

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

(6)

(7)=(5)-(6)

1-A-1

3.~~33000~~40000%

~~301~~300,~~518~~355,~~618~~974.6044

~~836~~936,~~714~~109.1745

2-A-1A

3.~~30000~~37000%

~~130~~129,~~555~~475,~~445~~365.2337

~~359~~399,~~027~~970.4798

2-A-1B

3.~~35000~~42000%

8786,~~037~~317,~~953~~891.3390

~~242~~270,~~980~~606.9559

2-A-2

3.~~36000~~43000%

33,~~540~~263,~~856~~374.4532

93104,~~914~~585.4059

A-X-1

0.80000%

~~516~~496,~~035~~112,~~016~~437.8997

~~344~~330,~~023~~741.3463

A-X-2

0.~~81158~~62355%

~~594~~590,~~033~~793,~~972~~681.0854

~~401~~306,~~756~~992.9827

A-R

45.~~96762~~14199%

B-1

3.~~57000~~64000%

12,~~894~~893,~~002~~995.1500

3839,~~359~~111.6678

B-2

3.~~90000~~97000%

10,494,~~490~~484.5169

34,~~107~~719.0925

B-3

4.~~72000~~79000%

7,196,~~536~~532.1516

28,~~306~~726.3816

B-4

4.~~77000~~84000%

5,397,~~651~~648.9697

21,~~455~~770.6752

B-5

4.~~77000~~84000%

2,999,~~139~~138.7004

1112,~~921~~096.5852

B-6

4.~~77000~~84000%

2,399,~~278~~276.0269

9,~~537~~677.1308

100.00

3034,~~698~~697.1206

Total

1,~~704~~677,~~103~~699,~~061~~901.0709

2,~~422~~495,~~104~~107.82

2,~~452~~529,~~802~~804.9488

Page 3 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Collection Account Report for May 25, 2005 Distribution

Collection Account Report for June 27, 2005 Distribution

Collection Account Report

SUMMARY

GROUP 2

GROUP 1

TOTAL

Principal Collections

21,~~077~~900,~~641~~891.4861

1,~~162~~757,~~649~~811.0615

3,~~240~~658,~~290~~702.5476

Principal Withdrawals

0.00

Principal Other Accounts

0.00

TOTAL PRINCIPAL

21,~~077~~900,~~641~~891.4861

1,~~162~~757,~~649~~811.0615

3,~~240~~658,~~290~~702.5476

Interest Collections

1,~~106~~133,~~072~~268.4073

1,~~376~~412,~~831~~697.3559

2,~~482~~545,~~903~~966.7532

Interest Withdrawals

0.00

Interest Other Accounts

0.00

3034,~~698~~697.1206

Interest Fees

(2521,~~666~~973.1736)

(3528,~~132~~885.7613)

(6050,~~798~~858.9349)

TOTAL INTEREST

1,~~080~~111,~~406~~295.2337

1,~~372~~418,~~396~~509.7152

2,~~452~~529,~~802~~804.9489

TOTAL AVAILABLE FUNDS TO BONDHOLDERS

3,~~158~~012,~~047~~186.7198

23,~~535~~176,~~045~~320.7767

56,~~693~~188,~~093~~507.4865

Interest Payable to Bondholders

1,~~080~~111,~~406~~295.2337

1,~~372~~418,~~396~~509.7152

2,~~452~~529,~~802~~804.9489

PRINCIPAL - COLLECTIONS

GROUP 2

GROUP 1

TOTAL

Scheduled Principal

~~259~~535.2506

7029.3331

~~329~~564.5837

Curtailments

(86182,~~389~~165.8705)

(~~186~~235,~~779~~730.8453)

(~~273~~417,~~169~~895.7158)

Prepayments in Full

2,~~163~~082,~~772~~521.1060

1,~~349~~993,~~358~~512.5737

34,~~513~~076,~~130~~033.6797

Repurchases/Substitutions

0.00

Liquidations

0.00

Insurance Principal

0.00

Other Additional Principal

0.00

LESS: Delinquent Principal

0(535.0006)

(7029.3331)

(70564.3337)

LESS: Realized Losses

0.00

PLUS: Recoveries

0.00

PLUS: Substitution Shortfall Principal

0.00

PLUS: Principal Loan Adjustments

0.00

PLUS: Principal Advanced

0535.0006

7029.3331

70564.3337

TOTAL PRINCIPAL

21,~~077~~900,~~641~~891.4861

1,~~162~~757,~~649~~811.0615

3,~~240~~658,~~290~~702.5476

Page 4 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Collection Account Report for May 25, 2005 Distribution

Collection Account Report for June 27, 2005 Distribution

Collection Account Report

PRINCIPAL - WITHDRAWALS

GROUP 2

GROUP 1

TOTAL

SPACE INTENTIONALLY LEFT BLANK

PRINCIPAL - OTHER ACCOUNTS

GROUP 2

GROUP 1

TOTAL

TOTAL PRINCIPAL OTHER ACCOUNTS

0.00

INTEREST - COLLECTIONS

GROUP 2

GROUP 1

TOTAL

Scheduled Interest

1,~~165~~196,~~995~~226.7005

1,~~444~~486,~~467~~212.4061

2,~~610~~682,~~463~~438.1066

Repurchases/Substitutions

0.00

Liquidations

0.00

Insurance Interest

0.00

Other Additional Interest

0.00

LESS: Prepayment Interest Shortfalls

(~~2,684~~616.5391)

(~~897~~1,599.1603)

(32,~~581~~215.6994)

LESS: Delinquent Interest

(~~828~~901,~~782~~628.0507)

(~~964~~1,~~794~~083,869.6296)

(1,~~793~~985,~~576~~498.6703)

LESS: Interest Realized Losses

0.00

PLUS: Compensating Interest

~~2,684~~616.5391

~~897~~1,599.1603

32,~~581~~215.6994

LESS: Civil Relief Act Shorfalls

0.00

PLUS: Substiution Shortfall Interest

0.00

PLUS: Interest Loan Adjustments

0.00

LESS: Excess, Special Hazard, Fraud, & Bankruptcy Interest Losses

0.00

Interest Advanced

~~768~~838,~~858~~670.75

~~897~~1,~~158~~010,354.5794

1,~~666~~849,~~017~~025.3269

Shortfall reserve deposits

0.00

TOTAL INTEREST

1,~~106~~133,~~072~~268.4073

1,~~376~~412,~~831~~697.3559

2,~~482~~545,~~903~~966.7532

Page 5 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Collection Account Report for May 25, 2005 Distribution

Collection Account Report for June 27, 2005 Distribution

Collection Account Report

INTEREST - WITHDRAWALS

GROUP 2

GROUP 1

TOTAL

SPACE INTENTIONALLY LEFT BLANK

INTEREST - OTHER ACCOUNTS

GROUP 2

GROUP 1

TOTAL

Prepayment Penalties

0.00

3034,~~698~~697.1206

TOTAL INTEREST OTHER ACCOUNTS

0.00

3034,~~698~~697.1206

INTEREST - FEES

GROUP 2

GROUP 1

TOTAL

Current Servicing Fees

2420,~~429~~745.0072

3327,~~647~~404.2797

5848,~~076~~150.2769

Trustee Fees

1,~~237~~227.1764

1,~~485~~480.4916

2,~~722~~707.6680

TOTAL INTEREST FEES

2521,~~666~~973.1736

3528,~~132~~885.7613

6050,~~798~~858.9349

Page 6 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Credit Enhancement Report for May 25, 2005 Distribution

Credit Enhancement Report for June 27, 2005 Distribution

Credit Enhancement Report

ACCOUNTS

GROUP 2

GROUP 1

TOTAL

Carryover Shortfall Reserve Fund Beginning Balance

1,000.00

Required Reserve Fund Deposit

0.00

Carryover Shortfall Amount

0.00

Carryover Shortfall Reserve Fund Ending Balance

1,000.00

INSURANCE

GROUP 2

GROUP 1

TOTAL

SPACE INTENTIONALLY LEFT BLANK

STRUCTURAL FEATURES

GROUP 2

GROUP 1

TOTAL

SPACE INTENTIONALLY LEFT BLANK

Page 7 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Collateral Report for May 25, 2005 Distribution

Collateral Report for June 27, 2005 Distribution

Collateral Report

COLLATERAL

GROUP 2

GROUP 1

TOTAL

Loan Count:

Original

578

1478

2056

Prior

~~573~~569

1,~~462~~456

2,~~035~~025

Prefunding

Scheduled Paid Offs

Full Voluntary Prepayments

(45)

(610)

(1015)

Repurchases

Liquidations

Current

~~569~~564

1,~~456~~446

2,~~025~~010

Principal Balance:

Original

272,515,572.31

327,559,293.93

600,074,866.24

Prior

~~269~~267,~~927~~849,~~359~~718.9951

~~324~~322,~~106~~943,~~612~~963.0903

~~594~~590,~~033~~793,~~972~~681.0854

Prefunding

Scheduled Principal

(~~259~~535.2506)

(7029.3331)

(~~329~~564.5837)

Partial and Full Voluntary Prepayments

(21,~~077~~900,~~382~~356.2355)

(1,~~162~~757,~~578~~781.7384)

(3,~~239~~658,~~960~~138.9639)

Repurchases

Liquidations

Current

~~267~~265,~~849~~948,~~718~~826.5190

~~322~~321,~~943~~186,~~963~~151.0388

~~590~~587,~~793~~134,~~681~~978.5478

PREFUNDING

GROUP 2

GROUP 1

TOTAL

SPACE INTENTIONALLY LEFT BLANK

Group 1

Group 2

Current Prin Balance by Groups (in millions of dollars)

Total Current Principal Balance (in millions of dollars)

Page 8 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Collateral Report for May 25, 2005 Distribution

Collateral Report for June 27, 2005 Distribution

Collateral Report

CHARACTERISTICS

GROUP 2

GROUP 1

TOTAL

Weighted Average Coupon Original

3.921885%

4.013020%

3.971632%

Weighted Average Coupon Prior

5.~~005672~~183598%

5.~~167871~~348119%

5.~~094211~~273361%

Weighted Average Coupon Current

5.~~183598~~359241%

5.~~348119~~522491%

5.~~273361~~448478%

Weighted Average Months to Maturity Original

359

Weighted Average Months to Maturity Prior

~~358~~357

Weighted Average Months to Maturity Current

~~357~~356

Weighted Avg Remaining Amortization Term Original

358

Weighted Avg Remaining Amortization Term Prior

~~357~~356

Weighted Avg Remaining Amortization Term Current

~~356~~355

Weighted Average Seasoning Original

1.84

1.79

1.82

Weighted Average Seasoning Prior

23.85

23.79

23.82

Weighted Average Seasoning Current

34.85

34.79

34.82

Note: Original information refers to deal issue.

Group 1

Group 2

WAC by Groups

Total WAC

WARAT by Groups

Total WARAT

Note: Dates correspond to distribution dates.

Page 9 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Collateral Report for May 25, 2005 Distribution

Collateral Report for June 27, 2005 Distribution

Collateral Report

ARM CHARACTERISTICS

GROUP 2

GROUP 1

TOTAL

Weighted Average Margin Original

3.007%

3.175%

Weighted Average Margin Prior

3.~~008~~011%

3.~~175~~176%

Weighted Average Margin Current

3.011%

3.~~176~~175%

Weighted Average Max Rate Original

9.950%

9.949%

Weighted Average Max Rate Prior

9.950%

9.949%

Weighted Average Max Rate Current

9.950%

9.949%

Weighted Average Min Rate Original

Weighted Average Min Rate Prior

Weighted Average Min Rate Current

Weighted Average Cap Up Original

Weighted Average Cap Up Prior

Weighted Average Cap Up Current

Weighted Average Cap Down Original

Weighted Average Cap Down Prior

Weighted Average Cap Down Current

Note: Original information refers to deal issue.

SERVICING FEES / ADVANCES

GROUP 2

GROUP 1

TOTAL

Current Servicing Fees

2420,~~429~~745.0072

3327,~~647~~404.2797

5848,~~076~~150.2769

Delinquent Servicing Fees

5962,~~923~~957.3032

6773,~~636~~515.0502

~~127~~136,~~559~~472.3534

TOTAL SERVICING FEES

8483,~~352~~703.3004

~~101~~100,~~283~~919.3299

~~185~~184,~~635~~623.6203

Total Servicing Fees

8483,~~352~~703.3004

~~101~~100,~~283~~919.3299

~~185~~184,~~635~~623.6203

Compensating Interest

(~~2,684~~616.5391)

(~~897~~1,599.1603)

(32,~~581~~215.6994)

Delinquent Servicing Fees

(5962,~~923~~957.3032)

(6773,~~636~~515.0502)

(~~127~~136,~~559~~472.3534)

COLLECTED SERVICING FEES

2120,~~744~~128.4781

3225,~~750~~805.1194

5445,~~494~~934.5875

Total Advanced Principal For Current Payment Date

0535.0006

7029.3331

70564.3337

Total Advanced Interest For Current Payment Date

~~768~~838,~~858~~670.75

~~897~~1,~~158~~010,354.5794

1,~~666~~849,~~017~~025.3269

TOTAL ADVANCES FOR CURRENT PERIOD

~~768~~839,~~858~~205.7581

~~897~~1,~~228~~010,384.9025

1,~~666~~849,~~087~~590.6506

ADDITIONAL COLLATERAL INFORMATION

GROUP 2

GROUP 1

TOTAL

Prepayment Interest Shortfall (PPIS)

~~2,684~~616.5391

~~897~~1,599.1603

32,~~581~~215.6994

Compensating Interest

(~~2,684~~616.5391)

(~~897~~1,599.1603)

(32,~~581~~215.6994)

Net Prepayment Interest Shortfall (Net PPIS)

0.00

Weighted Average Net Mortgage Rate

4.~~803098~~978741%

45.~~967619~~141991%

45.~~892861~~067978%

Current Deferred Interest

~~289~~326,~~144~~764.2960

~~383~~428,~~416~~640.4988

~~672~~755,~~560~~405.7848

Cumulative Deferred Interest

~~718~~1,~~292~~045,056.2080

~~955~~1,~~788~~384,429.5341

12,~~674~~429,~~080~~486.7321

Net Deferred Interest

0.00

Cumulative Net Deferred Interest

0.00

Page 10 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Delinquency Report for May 25, 2005 Distribution

Delinquency Report for June 27, 2005 Distribution

Delinquency Report - Total

<1 PAYMENT

1 PAYMENT

2 PAYMENTS

3+ PAYMENTS

TOTAL

DELINQUENT

Balance

###########

43,~~595~~545,~~061~~663.0369

~~243~~602,~~815~~336.8999

70,~~919~~959.3759

4,~~909~~218,~~796~~960.2927

% Balance

6873.3172%

0.7860%

0.0410%

0.01%

0.8372%

# Loans

1,~~356~~465

1512

1715

% # Loans

6672.9689%

0.7460%

0.0510%

0.05%

0.8475%

FORECLOSURE

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

BANKRUPTCY

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

REO

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

TOTAL

Balance

43,~~595~~545,~~061~~663.0369

~~243~~602,~~815~~336.8999

70,~~919~~959.3759

4,~~909~~218,~~796~~960.2927

% Balance

0.00%

0.7860%

0.0410%

0.01%

0.8372%

# Loans

1512

1715

% # Loans

0.00%

0.7460%

0.0510%

0.05%

0.8475%

Note: <1 Payment = 1-30days, 1 Payment = 31-60days, 2 Payments = 61-90days, 3+ Payments = 91+

6 Months Moving Average

1 or 2 Payments Delinquent

3 or More Payments Delinquent

Total Foreclosure

Total Bankruptcy and REO

Note: Dates correspond to distribution dates.

Page 11 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Delinquency Report for May 25, 2005 Distribution

Delinquency Report for June 27, 2005 Distribution

Delinquency Report - Group 1 Group

<1 PAYMENT

1 PAYMENT

2 PAYMENTS

3+ PAYMENTS

TOTAL

DELINQUENT

Balance

###########

21,~~259~~318,~~739~~948.5528

~~243~~132,~~815~~586.8922

70,~~919~~959.3759

21,~~574~~522,~~474~~494.8109

% Balance

6672.2784%

0.7041%

0.0804%

0.02%

0.8047%

# Loans

~~958~~1,045

107

129

% # Loans

6572.8027%

0.6948%

0.07%

0.8262%

FORECLOSURE

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

BANKRUPTCY

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

REO

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

TOTAL

Balance

21,~~259~~318,~~739~~948.5528

~~243~~132,~~815~~586.8922

70,~~919~~959.3759

21,~~574~~522,~~474~~494.8109

% Balance

0.00%

0.7041%

0.0804%

0.02%

0.8047%

# Loans

107

129

% # Loans

0.00%

0.6948%

0.07%

0.8262%

Note: <1 Payment = 1-30days, 1 Payment = 31-60days, 2 Payments = 61-90days, 3+ Payments = 91+

6 Months Moving Average

1 or 2 Payments Delinquent

3 or More Payments Delinquent

Total Foreclosure

Total Bankruptcy and REO

Note: Dates correspond to distribution dates.

Page 12 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Delinquency Report for May 25, 2005 Distribution

Delinquency Report for June 27, 2005 Distribution

Delinquency Report - Group 2 Group

<1 PAYMENT

1 PAYMENT

2 PAYMENTS

3+ PAYMENTS

TOTAL

DELINQUENT

Balance

###########

2,~~335~~226,~~321~~715.4841

-469,750.77

2,~~335~~696,~~321~~466.4818

% Balance

7074.7780%

0.8784%

0.0018%

0.00%

01.8701%

# Loans

~~398~~420

-1

% # Loans

6974.9547%

0.8889%

0.0018%

0.00%

01.8806%

FORECLOSURE

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

BANKRUPTCY

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

REO

Balance

% Balance

0.00%

# Loans

% # Loans

0.00%

TOTAL

Balance

2,~~335~~226,~~321~~715.4841

-469,750.77

2,~~335~~696,~~321~~466.4818

% Balance

0.00%

0.8784%

0.0018%

0.00%

01.8701%

# Loans

-1

% # Loans

0.00%

0.8889%

0.0018%

0.00%

01.8806%

Note: <1 Payment = 1-30days, 1 Payment = 31-60days, 2 Payments = 61-90days, 3+ Payments = 91+

6 Months Moving Average

1 or 2 Payments Delinquent

3 or More Payments Delinquent

Total Foreclosure

Total Bankruptcy and REO

Note: Dates correspond to distribution dates.

Page 13 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

REO Report for May 25, 2005 Distribution

REO Report for June 27, 2005 Distribution

REO Report - Mortgage Loans that Become REO During Current Distribution

SUMMARY

LOAN GROUP

Total Loan Count = 0

Loan Group 1 = Group 1; REO Book Value = 000.00

Total Original Principal Balance = 000.00

Loan Group 2 = Group 2; REO Book Value = 000.00

Total Current Balance = 000.00

REO Book Value = 000.00

REO Book Value reported corresponds to total REO loans, including loans that become REO during current distribution.

Loan Number

Original

Stated

Current

State &

Principal

Paid to

Note

LTV at

Original

Origination

Loan Group

Balance

Date

Rate

Origination

Term

Date

SPACE INTENTIONALLY LEFT BLANK

Page 14 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Prepayment Report for May 25, 2005 Distribution

Prepayment Report for June 27, 2005 Distribution

Prepayment Report - Voluntary Prepayments

VOLUNTARY PREPAYMENTS

GROUP 2

GROUP 1

TOTAL

Current

Number of Paid in Full Loans

610

1015

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

610

1015

Paid in Full Balance

2,~~163~~082,~~772~~521.1060

1,~~349~~993,~~358~~512.5737

34,~~513~~076,~~130~~033.6797

Repurchased Loans Balance

Curtailments Amount

(86182,~~389~~165.8705)

(~~186~~235,~~779~~730.8453)

(~~273~~417,~~169~~895.7158)

Total Prepayment Amount

21,~~077~~900,~~382~~356.2355

1,~~162~~757,~~578~~781.7384

3,~~239~~658,~~960~~138.9639

Cumulative

Number of Paid in Full Loans

914

2232

3146

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

914

2232

3146

Paid in Full Balance

46,~~705~~788,~~737~~258.3898

46,~~812~~805,~~023~~535.3269

913,~~517~~593,~~760~~794.7067

Repurchased Loans Balance

Curtailments Amount

(~~206~~388,~~248~~413.1520)

(~~402~~638,~~504~~235.9750)

(~~608~~1,~~753~~026,648.1270)

Total Prepayment Amount

46,~~499~~399,~~489~~845.2378

46,~~409~~167,~~518~~300.3519

812,~~909~~567,~~007~~145.5897

SPACE INTENTIONALLY LEFT BLANK

Total Prepayments by Groups (in thousands of dollars)

Total Prepayments (in thousands of dollars)

Page 15 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Prepayment Report for May 25, 2005 Distribution

Prepayment Report for June 27, 2005 Distribution

Prepayment Report - Voluntary Prepayments

VOLUNTARY PREPAYMENT RATES

GROUP 2

GROUP 1

TOTAL

SMM

0.7771%

0.3654%

0.5562%

3 Months Avg SMM

0.5569%

0.4548%

0.5057%

12 Months Avg SMM

Avg SMM Since Cut-off

0.5559%

0.4547%

0.5053%

CPR

8.8519%

46.2234%

67.3518%

3 Months Avg CPR

67.4497%

5.2758%

56.8067%

12 Months Avg CPR

Avg CPR Since Cut-off

6.4488%

5.2754%

56.8015%

PSA

~~1151~~845.1210%

~~556~~661.4035%

~~832~~745.1359%

3 Months Avg PSA Approximation

~~1131~~1036.8330%

~~943~~735.1655%

~~1029~~874.9102%

12 Months Avg PSA Approximation

Avg PSA Since Cut-off Approximation

~~1131~~1028.8345%

~~943~~840.1681%

~~1029~~926.9197%

Group 1

Group 2

CPR by Groups

Total CPR

PSA by Groups

Total PSA

Page 16 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Prepayment Report for May 25, 2005 Distribution

Prepayment Report for June 27, 2005 Distribution

Prepayment Report - Voluntary Prepayments

Group 1

Group 2

CPR Avg since Cut-Off by Groups

Total CPR Avg since Cut-Off

PSA Avg since Cut-Off by Groups

Total PSA Avg since Cut-Off

PREPAYMENT CALCULATION METHODOLOGY

Single Monthly Mortality (SMM): (Voluntary partial and full prepayments + Repurchases)/(Beg Principal Balance - Sched Principal)

Conditional Prepayment Rate (CPR): 1-((1-SMM)^12)

PSA Standard Prepayment Model: CPR/(0.02*min(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)

Average CPR over period between the nth month and mth month (AvgCPRn,m): 1-((1-AvgSMMn,m)^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)

Note: Prepayment rates are calculated since deal issue date and include partial and full voluntary prepayments and repurchases.

Dates correspond to distribution dates.

PLEASE NOTE: Negative Amortization Amounts are included in Voluntary Partial Prepayments

Page 17 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Prepayment Detail Report for May 25, 2005 Distribution

Prepayment Detail Report for June 27, 2005 Distribution

Prepayment Detail Report - Loans Prepaid in Full During Current Distribution

SUMMARY

LOAN GROUP

Total Loan Count = 10

Loan Group 1 = Group 1

Total Loan Count = 15

Loan Group 1 = Group 1

Total Original Principal Balance = 3,516,600.00

Loan Group 2 = Group 2

Total Original Principal Balance = 4,086,606.00

Loan Group 2 = Group 2

Total Prepayment Amount = 3,513,130.67

Total Prepayment Amount = 4,076,033.97

Loan Number

Original

Current

State &

Type Prepayment

Loan

Principal

Prepayment

Note

LTV at

Origination

Loan Group

Status

Balance

Amount

Date

Rate

Origination

Original Term

Date

120482878 1

254,000.00

254,192.92

Apr-29-05

5.971%

MD - 74.71%

Paid Off - 360

Dec-29-04

120647644 1

266,000.00

265,643.64

May-24-05

6.096%

CA - 70.00%

Paid Off - 360

Dec-21-04

120526974 1

311,000.00

311,485.62

Apr-27-05

5.721%

CA - 64.79%

Paid Off - 360

Dec-16-04

120661689 1

221,500.00

219,419.36

Jun-02-05

5.046%

TX - 59.07%

Paid Off - 360

Jan-05-05

120693614 1

154,400.00

154,452.89

Apr-22-05

5.721%

FL - 80.00%

Paid Off - 360

Jan-05-05

120663762 1

181,500.00

181,088.96

May-17-05

5.346%

NV - 75.00%

Paid Off - 360

Dec-28-04

120699051 1

246,400.00

246,484.39

May-03-05

5.721%

CA - 77.00%

Paid Off - 360

Jan-07-05

120671304 1

129,000.00

128,942.41

Jun-01-05

5.396%

IL - 58.64%

Paid Off - 360

Jan-05-05

120718354 1

146,000.00

145,437.94

Apr-26-05

4.821%

CA - 40.00%

Paid Off - 360

Jan-03-05

120686046 1

152,000.00

152,288.09

May-16-05

5.896%

CA - 54.29%

Paid Off - 360

Dec-22-04

120749503 1

238,400.00

237,304.81

Apr-20-05

5.021%

FL - 80.00%

Paid Off - 360

Jan-10-05

120700371 1

130,000.00

127,235.25

May-18-05

5.296%

FL - 63.42%

Paid Off - 360

Jan-04-05

120634126 2

640,000.00

639,003.91

Apr-28-05

4.621%

CA - 72.73%

Paid Off - 360

Jan-03-05

120727826 1

297,000.00

295,180.89

Jun-10-05

5.696%

CA - 79.84%

Paid Off - 360

Jan-06-05

120689832 2

500,000.00

499,163.79

Apr-22-05

4.921%

CA - 76.92%

Paid Off - 360

Dec-30-04

120741131 1

157,200.00

157,317.28

May-24-05

5.996%

CA - 69.87%

Paid Off - 360

Jan-06-05

120739699 2

442,400.00

442,072.12

Apr-06-05

5.071%

WA - 80.00%

Paid Off - 360

Jan-04-05

120765986 1

319,000.00

316,112.20

May-26-05

5.046%

CA - 52.30%

Paid Off - 360

Jan-10-05

120808112 2

584,000.00

583,532.28

Apr-26-05

5.921%

NJ - 68.71%

Paid Off - 360

Jan-12-05

120772230 1

150,000.00

150,284.29

Jun-15-05

5.896%

CA - 56.18%

Paid Off - 360

Jan-12-05

120569220 2

420,000.00

419,812.51

May-26-05

5.396%

WA - 68.52%

Paid Off - 360

Jan-04-05

120646532 2

367,500.00

367,661.50

Jun-02-05

5.096%

CA - 75.00%

Paid Off - 360

Dec-30-04

120693976 2

360,000.00

359,658.13

Jun-10-05

5.096%

CA - 54.55%

Paid Off - 360

Dec-31-04

120751685 2

446,400.00

446,212.00

Jun-07-05

5.296%

NJ - 80.00%

Paid Off - 360

Jan-07-05

120752984 2

489,506.00

489,177.46

May-26-05

5.146%

CA - 79.99%

Paid Off - 360

Jan-07-05

Page 18 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Realized Loss Report for May 25, 2005 Distribution

Realized Loss Report for June 27, 2005 Distribution

Realized Loss Report - Collateral

COLLATERAL REALIZED LOSSES

GROUP 2

GROUP 1

TOTAL

Current

Number of Loans Liquidated

Collateral Realized Loss/(Gain) Amount

Net Liquidation Proceeds

Cumulative

Number of Loans Liquidated

Collateral Realized Loss/(Gain) Amount

Net Liquidation Proceeds

Note: Collateral Realized Loss Amount may include adjustments to loans liquidated in prior periods.

Current Realized Losses

0.00

Supplemental Losses (Recoveries)

0.00

Current Net Realized Losses (Recoveries)

0.00

Prior Cumulative Realized Loss

0.00

Current Net Realized Loss (Recoveries)

0.00

Current Cumulative Realized Loss

0.00

Class B-1 Write Down Amount

0.00

Class B-2 Write Down Amount

0.00

Class B-3 Write Down Amount

0.00

Class B-4 Write Down Amount

0.00

Class B-5 Write Down Amount

0.00

Class B-6 Write Down Amount

0.00

Group 1

3 Months Moving Average

Group 2

Collateral Loss Severity Approximation by Groups

Collateral Loss Severity Approximation

Page 19 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Realized Loss Report for May 25, 2005 Distribution

Realized Loss Report for June 27, 2005 Distribution

Realized Loss Report - Collateral

DEFAULT SPEEDS

GROUP 2

GROUP 1

TOTAL

MDR

0.00%

3 Months Avg MDR

0.00%

12 Months Avg MDR

Avg MDR Since Cut-off

0.00%

CDR

0.00%

3 Months Avg CDR

0.00%

12 Months Avg CDR

Avg CDR Since Cut-off

0.00%

SDA

0.00%

3 Months Avg SDA Approximation

0.00%

12 Months Avg SDA Approximation

Avg SDA Since Cut-off Approximation

0.00%

Loss Severity Approximation for Current Period

3 Months Avg Loss Severity Approximation

12 Months Avg Loss Severity Approximation

Avg Loss Severity Approximation Since Cut-off

Group 1

Group 2

CDR by Groups

Total CDR

SDA by Groups

Total SDA

Page 20 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Realized Loss Report for May 25, 2005 Distribution

Realized Loss Report for June 27, 2005 Distribution

Realized Loss Report - Collateral

Group 1

Group 2

CDR Avg since Cut-Off by Groups

Total CDR Avg since Cut-Off

SDA Avg since Cut-Off by Groups

Total SDA Avg since Cut-Off

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

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Realized Loss Detail Report for May 25, 2005 Distribution

Realized Loss Detail Report for June 27, 2005 Distribution

Realized Loss Detail Report - Loans Liquidated During Current Distribution

SUMMARY

LOAN GROUP

Total Loan Count Current Losses = 0

Total Loan Count Revisions = 0

Loan Group 1 = Group 1

Total Prior Principal Balance = 0.00

Loan Group 2 = Group 2

Total Current Realized Loss Amount = 0.00

Total Revisions Amount = 0.00

Total Realized Loss Amount = 0.00

Total Net Liquidation Proceeds = 0.00

Note: Total Realized Loss Amount may include adjustments to loans liquidated in prior periods.

Loan Number

Current

State &

Prior

Realized

Cumulative

Loan

Note

LTV at

Original

Principal

Loss/(Gain)

Realized

Loan Group

Status

Rate

Origination

Term

Balance

Revisions

Loss/(Gain)

SPACE INTENTIONALLY LEFT BLANK

Page 22 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Triggers, Adj. Rate Cert. and Miscellaneous Report for May 25, 2005 Distribution

Triggers, Adj. Rate Cert. and Miscellaneous Report for June 27, 2005 Distribution

Triggers, Adj. Rate Cert. and Miscellaneous Report

TRIGGER EVENTS

GROUP 2

GROUP 1

TOTAL

Has the Optional Termination Date been reached?

Have the Sr. Prepay Step Down Cond been satisfied?

Has the Sr. Credit Supp. Depletion Date been reached?

ADJUSTABLE RATE CERTIFICATE INFORMATION

GROUP 2

GROUP 1

TOTAL

SPACE INTENTIONALLY LEFT BLANK

ADDITIONAL INFORMATION

GROUP 2

GROUP 1

TOTAL

Current Senior Percentage

9392.~~037718~~983720%

93.~~030690~~005601%

9392.~~033884~~995681%

Next Senior Percentage

92.~~983720~~933584%

9392.~~005601~~967322%

92.~~995681~~952040%

Current Subordinate Percentage

67.~~962282~~016280%

6.~~969310~~994399%

67.~~966116~~004319%

Next Subordinate Percentage

7.~~016280~~066416%

67.~~994399~~032678%

7.~~004319~~047960%

Current Senior Prepayment Percentage

100.000000%

Next Projected Senior Prepayment Percentage

100.000000%

Current Subordinated Prepayment Percentage

0.000000%

Next Projected Subordinated Prepayment Percentage

0.000000%

Page 23 of 24

IndyMac INDX Mortgage Loan Trust 2005-AR4

Mortgage Pass-Through Certificates

Other Related Information for May 25, 2005 Distribution

Other Related Information for June 27, 2005 Distribution

Other Related Information

ADDITIONAL INFORMATION

GROUP 2

GROUP 1

TOTAL

Scheduled principal

1 Month Prior

~~317~~544.9230

2 Months Prior

~~2,188~~317.5792

3 Months Prior

~~356~~2,~~739~~188.8357

4 Months Prior

0356,739.0083

5 Months Prior

0.00

6 Months Prior

0.00

7 Months Prior

0.00

8 Months Prior

0.00

9 Months Prior

0.00

10 Months Prior

0.00

11 Months Prior

0.00

12 Months Prior

0.00

Scheduled Principal on 60+ Day Delinquent Loans

1 Month Prior

0.00

2 Months Prior

0.00

3 Months Prior

0.00

4 Months Prior

0.00

5 Months Prior

0.00

6 Months Prior

0.00

7 Months Prior

0.00

8 Months Prior

0.00

9 Months Prior

0.00

10 Months Prior

0.00

11 Months Prior

0.00

12 Months Prior

0.00

Page 24 of 24

Filing Compare · IndyMac Indx Mortgage Loan Trust 2005-AR4