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): ~~June~~July 2725, 2005 (Date of earliest event reported) Indymac MBS Inc (as Depositor under the Pooling and Servicing Agreement, dated as May 1, 2005, providing for the issuance of IndyMAc INDX Mortgage Loan Trust 2005-AR10 Mortgage Pass-Through Certificates, Series 2005-AR10) (Exact name of registrant as specified in charter) DELAWARE (State or Other Jurisdiction of Incorporation) 333-119384-22 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 ~~June~~July 2725, 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~~Jul 3025, 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 ~~June~~July 2725, 2005.

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

June 27, 2005 Distribution

July 25, 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: May 1, 2005

Certificate Insurer(s):

Closing Date: May 6, 2005

First Payment Date: June 27, 2005

Servicer(s):

IndyMac Bank Servicer

Distribution Date: June 27, 2005

Distribution Date: July 25, 2005

Underwriter(s):

UBS Investment Bank Underwriter

Record Date: ~~June~~July 2422, 2005

May 31, 2005

June 30, 2005

Page 1 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Master Remic Series 2005-AR10

Certificate Payment Report for June 27, 2005 Distribution

Certificate Payment Report for July 25, 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)

A-1

STEP

556,513,900.00

~~556~~551,~~513~~023,~~900~~960.0077

21,~~692~~531,~~908~~887.9302

5,~~489~~227,~~939~~631.2300

86,~~182~~759,~~848~~518.1602

~~551~~545,~~023~~796,~~960~~329.77

A-2

STEP

231,880,000.00

~~231~~229,~~880~~592,~~000~~533.0013

1643,~~132,089~~641.6924

2,~~287~~178,~~466~~172.8715

32,~~419~~821,~~556~~813.5639

~~229~~227,~~592~~414,~~533~~360.1398

A-3

STEP

139,128,000.00

~~139~~137,~~128~~755,~~000~~519.0088

~~689~~391,~~301~~541.9590

1,~~372~~306,~~480~~903.1229

21,~~061~~698,~~782~~445.0719

~~137~~136,~~755~~448,~~519~~616.8859

A-X

201,~~356~~444,964.9058

A-R

100.00

~~100.00~~-

~~0.28~~-

~~100.00~~-

~~100.28~~-

B-1

SUB

30,082,000.00

3029,~~082~~944,~~000~~984.0035

~~147~~95,~~811~~683.2571

~~137,015~~41.6545

~~284~~95,~~826~~725.9016

29,944,~~984~~942.3590

B-2

SUB

11,030,000.00

1110,~~030~~979,~~000~~761.0023

5535,~~248~~724.0430

~~50,238~~15.7720

~~105~~35,~~486~~739.8150

10,979,~~761~~746.2303

B-3

SUB

3,008,000.00

32,~~008~~994,~~000~~299.0035

159,~~312~~892.3912

~~13,700~~4.6514

299,~~013~~896.0426

2,994,~~299~~295.3521

B-4

SUB

8,022,000.00

87,~~022~~985,~~000~~461.0089

4428,~~112~~377.0954

~~36,538.~~11.05

8028,~~650~~388.2059

7,985,~~461~~450.8984

B-5

SUB

5,013,000.00

54,~~013~~990,~~000~~167.0010

3321,~~706~~475.8693

~~22,832~~6.9091

5621,~~539~~482.7684

4,990,~~167~~160.1019

B-6

SUB

2,006,000.00

21,~~006~~996,~~000~~863.0019

138,~~897~~843.6841

~~9,136~~2.8176

238,~~034~~846.4917

1,996,~~863~~860.1943

B-7

SUB

2,005,000.00

21,~~005~~995,~~000~~867.0075

138,~~890~~839.7500

~~9,132~~2.2576

238,~~023~~841.0076

1,995,~~867~~864.7599

B-8

SUB

4,513,000.00

4,~~513~~492,~~000~~444.0046

3119,~~266~~895.3146

~~20,555~~6.5422

5119,~~821~~901.8568

4,492,~~444~~438.4624

B-9

SUB

6,016,000.00

65,~~016~~988,~~000~~598.0069

4126,~~679~~521.1841

~~27,401~~8.3129

6926,~~080~~529.4970

5,988,~~598~~590.6940

B-10

SUB

3,510,016.37

3,~~510~~494,~~016~~029.3720

2415,~~317~~473.6183

~~15,987~~4.1784

4015,~~304~~478.7867

3,494,~~029~~024.2036

Total

1,002,727,016.37

1993,~~002~~234,~~727,016~~490.3799

4,~~955~~282,~~899~~761.9144

98,~~492~~712,~~525~~810.3806

1412,~~448~~995,~~425~~571.2950

~~993~~984,~~234~~521,~~490~~680.9993

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)

A-1

~~05/~~06/27/05

0607/2624/05

A-Act/360

45660LKW8

556,513,900.00

~~1,000~~990.~~000000~~135126

42.~~838889~~752648

9.~~864874~~393532

1412.~~703762~~146180

~~990~~980.~~135126~~741595

A-2

~~05/~~06/27/05

0607/2624/05

A-Act/360

45660LKX6

231,880,000.00

~~1,000~~990.~~000000~~135126

42.~~882222~~775751

9.~~864874~~393532

1412.~~747096~~169283

~~990~~980.~~135126~~741595

A-3

~~05/~~06/27/05

0607/2624/05

A-Act/360

45660LKY4

139,128,000.00

~~1,000~~990.~~000000~~135126

42.~~954444~~814257

9.~~864874~~393532

1412.~~819318~~207788

~~990~~980.~~135126~~741595

A-X

A-Act/360

45660LKZ1

1,002,727,016.40

~~1,000~~990.~~000000~~533290

01.~~020302~~441035

~~990~~981.~~533290~~844176

A-R

F-30/360

45660LLA5

100.00

~~1,000.000000~~-

~~2.800000~~-

~~1,000.000000~~-

~~1,002.800000~~-

B-1

~~05/~~06/25/05

0607/24/05

A-30/360

45660LLB3

30,082,000.00

~~1,000~~995.~~000000~~445261

43.~~913611~~180763

40.~~554739~~001378

93.~~468350~~182141

995.~~445261~~443883

B-2

~~05/~~06/25/05

0607/24/05

A-30/360

45660LLC1

11,030,000.00

~~1,000~~995.~~000000~~445261

53.~~008888~~238830

40.~~554739~~001378

93.~~563627~~240209

995.~~445261~~443883

B-3

~~05/~~06/25/05

0607/24/05

A-30/360

45660LLD9

3,008,000.00

~~1,000~~995.~~000000~~445263

53.~~090555~~288604

40.~~554737~~001376

93.~~645293~~289980

995.~~445263~~443886

B-4

~~05/~~06/25/05

0607/24/05

A-30/360

45660LLE7

8,022,000.00

~~1,000~~995.~~000000~~445262

53.~~498889~~537464

40.~~554738~~001377

103.~~053628~~538842

995.~~445262~~443884

B-5

~~05/~~06/25/05

0607/24/05

A-30/360

45660LLF4

5,013,000.00

~~1,000~~995.~~000000~~445262

64.~~723890~~284047

40.~~554738~~001378

114.~~278628~~285426

995.~~445262~~443884

B-6

~~05/~~06/25/05

0607/24/05

A-30/360

45660LLG2

2,006,000.00

~~1,000~~995.~~000000~~445259

64.~~928056~~408479

40.~~554741~~001376

114.~~482797~~409855

995.~~445259~~443883

B-7

~~05/~~06/25/05

0607/24/05

A-30/360

45660LMB2

2,005,000.00

~~1,000~~995.~~000000~~445262

64.~~928055~~408478

40.~~554738~~001377

114.~~482793~~409854

995.~~445262~~443885

B-8

~~05/~~06/25/05

0607/24/05

A-30/360

45660LMC0

4,513,000.00

~~1,000~~995.~~000000~~445260

64.~~928055~~408478

40.~~554740~~001378

114.~~482794~~409856

995.~~445260~~443882

B-9

~~05/~~06/25/05

0607/24/05

A-30/360

45660LMD8

6,016,000.00

~~1,000~~995.~~000000~~445261

64.~~928055~~408478

40.~~554739~~001378

114.~~482794~~409856

995.~~445261~~443883

B-10

~~05/~~06/25/05

0607/24/05

A-30/360

45660LME6

3,510,016.37

~~1,000~~995.~~000000~~445272

64.~~928062~~408477

40.~~554728~~001379

114.~~482790~~409856

995.~~445272~~443893

Page 2 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Master Remic Series 2005-AR10

Certificate Payment Report for June 27, 2005 Distribution

Certificate Payment Report for July 25, 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)

A-1

556,513,900.00

24,~~692~~224,~~908~~795.9395

28,~~955~~182,~~163~~031.6185

2,~~534~~535,~~775~~538.6238

510,~~489~~717,~~939~~570.23

814,~~182~~942,~~848~~366.1618

~~551~~545,~~023~~796,~~960~~329.77

A-2

231,880,000.00

1,~~132~~775,~~089~~730.6993

13,~~231~~409,~~313~~168.9730

1,056,~~152~~470.9072

24,~~287~~465,~~466~~639.8702

36,~~419~~241,~~556~~369.5695

~~229~~227,~~592~~414,~~533~~360.1398

A-3

139,128,000.00

~~689~~1,~~301~~080,843.9585

~~738~~2,~~788~~045,500.3898

633,~~691~~882.7443

12,~~372~~679,~~480~~383.1241

23,~~061~~760,~~782~~227.0726

~~137~~136,~~755~~448,~~519~~616.8859

A-X

201,~~356~~465,321.9048

A-R

100.00

0.28

100.00

100.28

B-1

30,082,000.00

~~147~~243,~~811~~494.2596

137,~~015~~057.6510

~~284~~380,~~826~~552.9006

29,944,~~984~~942.3590

B-2

11,030,000.00

5590,~~248~~972.0434

50,~~238~~253.7797

~~105~~141,~~486~~226.8131

10,979,~~761~~746.2303

B-3

3,008,000.00

1525,~~312~~204.3951

13,~~700~~704.6579

2938,~~013~~909.0430

2,994,~~299~~295.3521

B-4

8,022,000.00

4472,~~112~~489.0963

36,~~538~~549.1116

80109,~~650~~038.2079

7,985,~~461~~450.8984

B-5

5,013,000.00

3355,~~706~~182.8679

22,~~832~~839.9081

5678,~~539~~022.7660

4,990,~~167~~160.1019

B-6

2,006,000.00

1322,~~897~~741.6809

9,~~136~~139.8157

2331,~~034~~880.4966

1,996,~~863~~860.1943

B-7

2,005,000.00

1322,~~890~~729.75

9,~~132~~135.2501

2331,~~023~~864.0076

1,995,~~867~~864.7599

B-8

4,513,000.00

3151,~~266~~161.3177

20,~~555~~561.5476

5171,~~821~~723.8553

4,492,~~444~~438.4624

B-9

6,016,000.00

4168,~~679~~200.1859

27,~~401~~409.3160

6995,~~080~~610.4919

5,988,~~598~~590.6940

B-10

3,510,016.37

2439,~~317~~791.6144

15,~~987~~992.1701

4055,~~304~~783.7845

3,494,~~029~~024.2036

Total

1,002,727,016.37

49,~~955~~238,~~899~~661.9135

413,~~925~~636,~~265~~701.9613

4,~~567~~568,~~259~~634.4231

918,~~492~~205,~~525~~335.3844

1427,~~448~~443,~~425~~996.2979

~~993~~984,~~234~~521,~~490~~680.9993

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)

A-1

3.~~35000~~57438%

~~556~~551,~~513~~023,~~900~~960.0077

21,~~692~~531,~~908~~887.9302

A-2

3.~~38000~~60438%

~~231~~229,~~880~~592,~~000~~533.0013

1643,~~132,089~~641.6924

A-3

3.~~43000~~65438%

~~139~~137,~~128~~755,~~000~~519.0088

~~689~~391,~~301~~541.9590

A-X

1.70666%

1993,~~002~~234,~~727,016~~490.4099

-1,412,597.64

201,~~356~~444,964.9058

A-R

35.~~33684~~13175%

~~100.00~~-

~~0.28~~-

B-1

3.~~61000~~83438%

3029,~~082~~944,~~000~~984.0035

~~147~~95,~~811~~683.2571

B-2

3.~~68000~~90438%

1110,~~030~~979,~~000~~761.0023

5535,~~248~~724.0430

B-3

3.~~74000~~96438%

32,~~008~~994,~~000~~299.0035

159,~~312~~892.3912

B-4

4.~~04000~~26438%

87,~~022~~985,~~000~~461.0089

4428,~~112~~377.0954

B-5

45.~~94000~~13175%

54,~~013~~990,~~000~~167.0010

3321,~~706~~340.8623

3321,~~706~~475.8693

B-6

5.~~09000~~13175%

21,~~006~~996,~~000~~863.0019

138,~~897~~539.6850

138,~~897~~843.6841

B-7

5.~~09000~~13175%

21,~~005~~995,~~000~~867.0075

138,~~890~~535.7524

138,~~890~~839.7500

B-8

5.~~09000~~13175%

4,~~513~~492,~~000~~444.0046

3119,~~266~~211.3174

3119,~~266~~895.3146

B-9

5.~~09000~~13175%

65,~~016~~988,~~000~~598.0069

4125,~~679~~609.1898

4126,~~679~~521.1841

B-10

5.~~09000~~13175%

3,~~510~~494,~~016~~029.3720

2414,~~317~~942.6106

2415,~~317~~473.6183

Total

21,~~005~~986,~~454~~468,~~032~~981.7798

4,~~935~~247,~~543~~524.0122

4,~~955~~282,~~899~~761.9144

Page 3 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Collection Account Report for June 27, 2005 Distribution

Collection Account Report for July 25, 2005 Distribution

Collection Account Report

SUMMARY

TOTAL

Principal Collections

98,~~492~~712,~~525~~810.4107

Principal Withdrawals

0.00

Principal Other Accounts

0.00

TOTAL PRINCIPAL

98,~~492~~712,~~525~~810.4107

Interest Collections

24,~~889~~348,~~894~~278.5407

Interest Withdrawals

0.00

Interest Other Accounts

235,~~167,613~~237.6722

Interest Fees

(~~101~~100,~~608~~753.3384)

TOTAL INTEREST

4,~~955~~282,~~899~~761.8845

TOTAL AVAILABLE FUNDS TO BONDHOLDERS

1412,~~448~~995,~~425~~571.2952

Interest Payable to Bondholders

4,~~955~~282,~~899~~761.8845

PRINCIPAL - COLLECTIONS

TOTAL

Scheduled Principal

~~893~~1,~~012~~374.0490

Curtailments

(48753,~~850~~281.6830)

Prepayments in Full

49,~~974~~464,~~216~~716.6447

Repurchases/Substitutions

~~3,674,147~~0.4100

Liquidations

0.00

Insurance Principal

0.00

Other Additional Principal

0.00

LESS: Delinquent Principal

~~(552,332~~0.~~97)~~00

LESS: Realized Losses

0.00

PLUS: Recoveries

0.00

PLUS: Substitution Shortfall Principal

0.00

PLUS: Principal Loan Adjustments

0.00

PLUS: Principal Advanced

~~552,332~~0.9700

TOTAL PRINCIPAL

98,~~492~~712,~~525~~810.4107

Page 4 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Collection Account Report for June 27, 2005 Distribution

Collection Account Report for July 25, 2005 Distribution

Collection Account Report

PRINCIPAL - WITHDRAWALS

TOTAL

SPACE INTENTIONALLY LEFT BLANK

PRINCIPAL - OTHER ACCOUNTS

TOTAL

TOTAL PRINCIPAL OTHER ACCOUNTS

0.00

INTEREST - COLLECTIONS

TOTAL

Scheduled Interest

34,~~094~~559,~~306~~565.9840

Repurchases/Substitutions

~~9,002~~0.6400

Liquidations

0.00

Insurance Interest

0.00

Other Additional Interest

0.00

LESS: Prepayment Interest Shortfalls

(32,~~263~~972.4568)

LESS: Delinquent Interest

(23,~~201~~107,~~737~~695.2393)

LESS: Interest Realized Losses

0.00

PLUS: Compensating Interest

32,~~263~~972.4568

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

12,~~988~~896,~~322~~408.1560

Shortfall reserve deposits

0.00

TOTAL INTEREST

24,~~889~~348,~~894~~278.5407

Page 5 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Collection Account Report for June 27, 2005 Distribution

Collection Account Report for July 25, 2005 Distribution

Collection Account Report

INTEREST - WITHDRAWALS

TOTAL

SPACE INTENTIONALLY LEFT BLANK

INTEREST - OTHER ACCOUNTS

TOTAL

Prepayment Penalties

2035,~~356~~237.9022

Interest Coverage Amount for First Period

~~2,147,256~~0.7700

TOTAL INTEREST OTHER ACCOUNTS

235,~~167,613~~237.6722

INTEREST - FEES

TOTAL

Current Servicing Fees

99,~~937~~098.1245

Trustee Fees

1,~~671~~655.2139

TOTAL INTEREST FEES

~~101~~100,~~608~~753.3384

Page 6 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Credit Enhancement Report for June 27, 2005 Distribution

Credit Enhancement Report for July 25, 2005 Distribution

Credit Enhancement Report

ACCOUNTS

TOTAL

Carryover Shortfall Reserve Fund Beginning Balance

1,000.00

Required Reserve Fund Deposit

02,870.0028

Carryover Shortfall Amount

02,870.0028

Carryover Shortfall Reserve Fund Ending Balance

1,000.00

INSURANCE

TOTAL

SPACE INTENTIONALLY LEFT BLANK

STRUCTURAL FEATURES

TOTAL

SPACE INTENTIONALLY LEFT BLANK

Page 7 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Collateral Report for June 27, 2005 Distribution

Collateral Report for July 25, 2005 Distribution

Collateral Report

COLLATERAL

TOTAL

Loan Count:

Original

3346

Prior

-3,316

Prefunding

Scheduled Paid Offs

Full Voluntary Prepayments

(1721)

Repurchases

~~(13)~~-

Liquidations

Current

3,~~316~~295

Principal Balance:

Original

1,002,727,016.40

Prior

-993,234,490.99

Prefunding

Scheduled Principal

(~~893~~1,~~012~~374.0490)

Partial and Full Voluntary Prepayments

(48,~~925~~711,~~365~~435.9617)

Repurchases

~~(3,674,147.41)~~-

Liquidations

Current

~~993~~984,~~234~~521,~~490~~680.9992

PREFUNDING

TOTAL

SPACE INTENTIONALLY LEFT BLANK

Current Prin Balance by Groups (in millions of dollars)

Total Current Principal Balance (in millions of dollars)

Page 8 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Collateral Report for June 27, 2005 Distribution

Collateral Report for July 25, 2005 Distribution

Collateral Report

CHARACTERISTICS

TOTAL

Weighted Average Coupon Original

3.713844%

Weighted Average Coupon Prior

3.713844%

Weighted Average Coupon Current

35.~~713844~~508748%

Weighted Average Months to Maturity Original

359

Weighted Average Months to Maturity Prior

-359

Weighted Average Months to Maturity Current

~~359~~358

Weighted Avg Remaining Amortization Term Original

358

Weighted Avg Remaining Amortization Term Prior

-358

Weighted Avg Remaining Amortization Term Current

~~358~~357

Weighted Average Seasoning Original

1.67

Weighted Average Seasoning Prior

-1.67

Weighted Average Seasoning Current

12.6766

Note: Original information refers to deal issue.

WAC by Groups

Total WAC

WARAT by Groups

Total WARAT

Note: Dates correspond to distribution dates.

Page 9 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Collateral Report for June 27, 2005 Distribution

Collateral Report for July 25, 2005 Distribution

Collateral Report

ARM CHARACTERISTICS

TOTAL

Weighted Average Margin Original

3.002%

Weighted Average Margin Prior

03.~~000~~002%

Weighted Average Margin Current

3.~~002~~003%

Weighted Average Max Rate Original

9.942%

Weighted Average Max Rate Prior

09.~~000~~942%

Weighted Average Max Rate Current

9.942%

Weighted Average Min Rate Original

0.000%

Weighted Average Min Rate Prior

0.000%

Weighted Average Min Rate Current

0.000%

Weighted Average Cap Up Original

0.000%

Weighted Average Cap Up Prior

0.000%

Weighted Average Cap Up Current

0.000%

Weighted Average Cap Down Original

0.000%

Weighted Average Cap Down Prior

0.000%

Weighted Average Cap Down Current

0.000%

Note: Original information refers to deal issue.

SERVICING FEES / ADVANCES

TOTAL

Current Servicing Fees

99,~~937~~098.1245

Delinquent Servicing Fees

~~213~~211,~~415~~287.0833

TOTAL SERVICING FEES

~~313~~310,~~352~~385.2078

Total Servicing Fees

~~313~~310,~~352~~385.2078

Compensating Interest

(32,~~263~~972.4568)

Delinquent Servicing Fees

(~~213~~211,~~415~~287.0833)

COLLECTED SERVICING FEES

96,~~673~~125.6777

Total Advanced Principal For Current Payment Date

~~552,332~~0.9700

Total Advanced Interest For Current Payment Date

12,~~988~~896,~~322~~408.1560

TOTAL ADVANCES FOR CURRENT PERIOD

2,~~540~~896,~~655~~408.1260

ADDITIONAL COLLATERAL INFORMATION

TOTAL

Prepayment Interest Shortfall (PPIS)

32,~~263~~972.4568

Compensating Interest

(32,~~263~~972.4568)

Net Prepayment Interest Shortfall (Net PPIS)

0.00

Weighted Average Net Mortgage Rate

35.~~336844~~131748%

Current Deferred Interest

~~736~~1,~~222~~315,168.4709

Cumulative Deferred Interest

~~736~~2,~~222~~051,390.4756

Net Deferred Interest

0.00

Cumulative Net Deferred Interest

0.00

Page 10 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Delinquency Report for June 27, 2005 Distribution

Delinquency Report for July 25, 2005 Distribution

Delinquency Report - Total

<1 PAYMENT

1 PAYMENT

2 PAYMENTS

3+ PAYMENTS

TOTAL

DELINQUENT

Balance

###########

46,~~059~~343,~~425~~794.9769

-315,726.79

46,~~059~~659,~~425~~521.9748

% Balance

68.3407%

0.4164%

0.0003%

0.00%

0.4168%

# Loans

2,~~217~~194

1421

-1

1422

% # Loans

66.8659%

0.4264%

0.0003%

0.00%

0.4267%

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

46,~~059~~343,~~425~~794.9769

-315,726.79

46,~~059~~659,~~425~~521.9748

% Balance

0.00%

0.4164%

0.0003%

0.00%

0.4168%

# Loans

1421

-1

1422

% # Loans

0.00%

0.4264%

0.0003%

0.00%

0.4267%

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 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

REO Report for June 27, 2005 Distribution

REO Report for July 25, 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

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 12 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Prepayment Report for June 27, 2005 Distribution

Prepayment Report for July 25, 2005 Distribution

Prepayment Report - Voluntary Prepayments

VOLUNTARY PREPAYMENTS

TOTAL

Current

Number of Paid in Full Loans

1721

Number of Repurchased Loans

13-

Total Number of Loans Prepaid in Full

3021

Paid in Full Balance

49,~~974~~464,~~216~~716.6447

Repurchased Loans Balance

~~3,674,147.41~~-

Curtailments Amount

(48753,~~850~~281.6830)

Total Prepayment Amount

8,~~599~~711,~~513~~435.3717

Cumulative

Number of Paid in Full Loans

1738

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

3051

Paid in Full Balance

414,~~974~~438,~~216~~933.6411

Repurchased Loans Balance

3,674,147.41

Curtailments Amount

(48802,~~850~~131.6898)

Total Prepayment Amount

817,~~599~~310,~~513~~948.3754

Total Prepayments by Groups (in thousands of dollars)

Total Prepayments (in thousands of dollars)

Page 13 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Prepayment Report for June 27, 2005 Distribution

Prepayment Report for July 25, 2005 Distribution

Prepayment Report - Voluntary Prepayments

VOLUNTARY PREPAYMENT RATES

TOTAL

SMM

0.8688%

3 Months Avg SMM

12 Months Avg SMM

Avg SMM Since Cut-off

0.8687%

CPR

910.8303%

3 Months Avg CPR

12 Months Avg CPR

Avg CPR Since Cut-off

9.8393%

PSA

~~2942~~1882.1522%

3 Months Avg PSA Approximation

12 Months Avg PSA Approximation

Avg PSA Since Cut-off Approximation

~~2942~~2290.1559%

CPR by Groups

Total CPR

PSA by Groups

Total PSA

Page 14 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Prepayment Report for June 27, 2005 Distribution

Prepayment Report for July 25, 2005 Distribution

Prepayment Report - Voluntary Prepayments

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 15 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Prepayment Detail Report for June 27, 2005 Distribution

Prepayment Detail Report for July 25, 2005 Distribution

Prepayment Detail Report - Loans Prepaid in Full During Current Distribution

SUMMARY

LOAN GROUP

Total Loan Count = 30

Loan Group 1 = Group 1

Total Loan Count = 21

Loan Group 1 = Group 1

Total Original Principal Balance = 8,660,244.00

Total Original Principal Balance = 9,479,580.00

Total Prepayment Amount = 8,648,364.05

Total Prepayment Amount = 9,464,716.47

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

120428310 1

171,154.00

170,806.64

Jun-07-05

4.996%

AZ - 90.00%

Paid Off - 360

Mar-31-05

120248236 1

460,500.00

460,315.26

Jul-01-05

5.304%

CA - 79.88%

Paid Off - 360

Mar-02-05

121011667 1

217,500.00

May-10-05

1.000%

CA - 74.49%

Paid Off - 360

Apr-04-05

120633524 1

1,885,000.00

1,882,044.79

Jul-08-05

4.604%

HI - 65.00%

Paid Off - 360

Mar-25-05

121018537 1

650,000.00

648,451.01

Jun-01-05

4.996%

CA - 69.15%

Paid Off - 360

Mar-28-05

120779482 1

1,400,000.00

1,398,504.99

Jul-01-05

4.904%

IL - 48.28%

Paid Off - 360

Mar-29-05

121025910 1

190,000.00

189,547.21

May-19-05

5.696%

CA - 38.78%

Paid Off - 360

Mar-28-05

120805307 1

292,000.00

291,626.30

Jun-30-05

5.354%

FL - 80.00%

Paid Off - 360

Mar-30-05

121026372 1

336,000.00

335,199.29

May-20-05

4.746%

CA - 80.00%

Paid Off - 360

Mar-23-05

120915146 1

359,500.00

358,298.05

Jun-22-05

5.754%

CA - 79.99%

Paid Off - 360

Apr-22-05

121044944 1

108,000.00

107,742.63

May-26-05

5.546%

MO - 80.00%

Paid Off - 360

Mar-30-05

121000318 1

300,000.00

299,285.08

Jul-11-05

5.454%

CA - 70.59%

Paid Off - 360

Apr-11-05

121045586 1

392,000.00

391,065.84

May-25-05

4.746%

CA - 80.00%

Paid Off - 360

Apr-05-05

121047251 1

232,000.00

231,687.63

Jun-28-05

5.554%

OH - 80.00%

Paid Off - 360

Mar-28-05

121049315 1

700,000.00

May-17-05

1.000%

CA - 70.00%

Paid Off - 360

Apr-11-05

121048241 1

179,800.00

179,568.19

Jun-20-05

5.354%

CA - 79.96%

Paid Off - 360

Mar-25-05

121049579 1

248,000.00

247,409.00

May-27-05

5.396%

IL - 80.00%

Paid Off - 360

Apr-05-05

121050573 1

91,200.00

91,014.91

Jul-15-05

5.554%

OH - 80.00%

Paid Off - 360

Mar-30-05

121053531 1

364,000.00

Jun-14-05

1.000%

CA - 80.00%

Paid Off - 360

Apr-13-05

121066371 1

440,000.00

439,436.91

Jul-07-05

5.354%

CA - 80.00%

Paid Off - 360

Apr-04-05

121069288 1

89,880.00

89,697.59

May-25-05

5.396%

SC - 70.00%

Paid Off - 360

Mar-29-05

121078829 1

143,600.00

143,416.24

Jun-28-05

5.354%

FL - 80.00%

Paid Off - 360

Mar-28-05

121095582 1

211,000.00

210,497.17

Jun-02-05

5.696%

CA - 42.63%

Paid Off - 360

Apr-05-05

121081343 1

432,000.00

431,770.37

Jul-14-05

6.254%

CA - 80.00%

Paid Off - 360

Mar-30-05

121121247 1

145,900.00

145,603.90

May-20-05

5.996%

AZ - 84.83%

Paid Off - 360

Apr-11-05

121088173 1

200,000.00

199,594.96

Jul-05-05

5.154%

NJ - 57.14%

Paid Off - 360

Mar-29-05

121139099 1

360,000.00

359,142.10

May-25-05

5.196%

CA - 80.00%

Paid Off - 360

Apr-01-05

121096108 1

250,000.00

249,404.23

Jul-11-05

5.154%

CA - 58.82%

Paid Off - 360

Apr-11-05

121160677 1

230,000.00

Jun-15-05

1.000%

NJ - 58.97%

Paid Off - 360

Apr-13-05

121124841 1

407,200.00

406,645.01

Jun-28-05

5.254%

CA - 80.00%

Paid Off - 360

Mar-30-05

121167549 1

190,640.00

190,185.70

May-10-05

5.196%

FL - 80.00%

Paid Off - 360

Apr-13-05

121125585 1

387,000.00

386,553.00

Jul-12-05

5.504%

CA - 75.00%

Paid Off - 360

Apr-05-05

121186747 1

378,270.00

377,368.56

May-19-05

4.996%

HI - 80.00%

Paid Off - 360

Mar-30-05

121156014 1

232,531.00

232,165.73

Jun-22-05

5.154%

FL - 95.00%

Paid Off - 360

Apr-08-05

120936311 1

448,000.00

May-31-05

1.000%

FL - 79.97%

Repur/Subs - 360

Apr-21-05

121157752 1

311,250.00

310,508.28

Jun-30-05

5.404%

CA - 75.00%

Paid Off - 360

Apr-14-05

120941029 1

480,000.00

478,856.13

May-31-05

4.996%

NY - 42.29%

Repur/Subs - 360

Apr-01-05

121161804 1

260,000.00

259,775.34

Jun-22-05

5.854%

CA - 43.33%

Paid Off - 360

Apr-20-05

121015968 1

171,400.00

May-31-05

1.000%

NJ - 80.00%

Repur/Subs - 360

Apr-08-05

121166499 1

999,999.00

997,615.94

Jun-24-05

5.804%

CA - 52.63%

Paid Off - 360

Apr-15-05

121044145 1

103,000.00

102,754.54

May-31-05

4.996%

MO - 31.21%

Repur/Subs - 360

Apr-04-05

121168421 1

216,000.00

215,485.26

Jun-27-05

5.504%

AZ - 74.23%

Paid Off - 360

Apr-07-05

121053382 1

335,000.00

334,201.68

May-31-05

4.996%

CA - 51.94%

Repur/Subs - 360

Mar-28-05

121060341 1

200,000.00

199,523.39

May-31-05

5.896%

CA - 44.44%

Repur/Subs - 360

Mar-31-05

121064002 1

536,250.00

535,161.67

May-31-05

5.396%

CA - 65.00%

Repur/Subs - 360

Mar-28-05

121067165 1

464,000.00

May-31-05

1.000%

CA - 80.00%

Repur/Subs - 360

Apr-05-05

121075454 1

165,000.00

May-31-05

1.000%

CA - 75.00%

Repur/Subs - 360

Apr-07-05

121075824 1

123,750.00

May-31-05

1.000%

FL - 75.00%

Repur/Subs - 360

Apr-22-05

121134713 1

320,000.00

May-31-05

1.000%

FL - 76.19%

Repur/Subs - 360

Apr-20-05

121180252 1

140,000.00

May-31-05

2.000%

IL - 43.08%

Repur/Subs - 360

Apr-14-05

121196604 1

191,500.00

May-31-05

1.000%

NV - 78.16%

Repur/Subs - 360

Apr-08-05

Page 16 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Realized Loss Report for June 27, 2005 Distribution

Realized Loss Report for July 25, 2005 Distribution

Realized Loss Report - Collateral

COLLATERAL REALIZED LOSSES

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

Class B-7 Write Down Amount

0.00

Class B-8 Write Down Amount

0.00

Class B-9 Write Down Amount

0.00

Class B-10 Write Down Amount

0.00

3 Months Moving Average

Collateral Loss Severity Approximation by Groups

Collateral Loss Severity Approximation

Page 17 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Realized Loss Report for June 27, 2005 Distribution

Realized Loss Report for July 25, 2005 Distribution

Realized Loss Report - Collateral

DEFAULT SPEEDS

TOTAL

MDR

0.00%

3 Months Avg MDR

12 Months Avg MDR

Avg MDR Since Cut-off

0.00%

CDR

0.00%

3 Months Avg CDR

12 Months Avg CDR

Avg CDR Since Cut-off

0.00%

SDA

0.00%

3 Months Avg SDA Approximation

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

CDR by Groups

Total CDR

SDA by Groups

Total SDA

Page 18 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Realized Loss Report for June 27, 2005 Distribution

Realized Loss Report for July 25, 2005 Distribution

Realized Loss Report - Collateral

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 19 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Realized Loss Detail Report for June 27, 2005 Distribution

Realized Loss Detail Report for July 25, 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

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 20 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

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

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

Triggers, Adj. Rate Cert. and Miscellaneous Report

TRIGGER EVENTS

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

TOTAL

SPACE INTENTIONALLY LEFT BLANK

ADDITIONAL INFORMATION

TOTAL

Current Senior Percentage

92.~~499951~~462759%

Next Senior Percentage

92.~~462759~~396067%

Current Subordinate Percentage

7.~~500049~~537241%

Next Subordinate Percentage

7.~~537241~~603933%

Current Senior Prepayment Percentage

100.000000%

Current Subordinated Prepayment Percentage

0.000000%

Page 21 of 22

IndyMac INDX Mortgage Loan Trust 2005-AR10

Mortgage Pass-Through Certificates

Other Related Information for June 27, 2005 Distribution

Other Related Information for July 25, 2005 Distribution

Other Related Information

ADDITIONAL INFORMATION

TOTAL

Scheduled principal

1 Month Prior

~~893~~1,~~012~~374.0490

2 Months Prior

0893,012.0004

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

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 22 of 22

Filing Compare · IndyMac Indx Mortgage Loan Trust 2005-AR10