Indymac Index Mortgage Loan Trust 2004-AR10 – ‘10-K’ for 3/22/05

On:  Tuesday, 3/22/05, at 7:53pm ET   ·   As of:  3/23/05   ·   For:  3/22/05   ·   Accession #:  1020242-5-396   ·   File #:  333-116470-14

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Annual Report   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                          6±    29K 
 2: EX-31       302 Cert                                               1      7K 
 3: EX-99.1     Asoc                                                   2     10K 
 4: EX-99.2     Usap                                                   5     19K 

10-K   —   Annual Report
Document Table of Contents

UNITED STATES OF AMERICA  
SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C.  20549

 FORM 10-K

   Annual Report Pursuant to Section 13 or 15(d)
  of the Securities Exchange Act of 1934

   For the fiscal year ended
   December 31, 2004

     Commission file number: 333-116470-14

       Indymac MBS Inc (as Depositor under the Pooling and Servicing
        Agreement, dated as September 1, 2004, providing for the
     issuance of IndyMac INDX Mortgage Loan Trust  2004-AR10
     Mortgage Pass-Through Certificates, Series 2004-AR10)
    (Exact name of Registrant as specified in its Charter)

      Delaware                                    95-4791925
    (State or other jurisdiction                  (I.R.S. Employer
        incorporation or organization)              Identification Number)

155 North Lake Avenue                                       
Pasadena, CA                                  91101         
(Address of principal executive offices)      (Zip Code)      

Registrant's telephone number, including area code:     
(800) 669-2300    

Securities registered pursuant to Section 12(b) of the Act: 
none  

Securities registered pursuant to Section 12(g) of the Act: 
none. 

 Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period
  that the Registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days.  Yes  X  No 

Indicate by check mark if disclosure of delinquent filers pursuant to 
Item 405 of Regulation S-K is not contained herein, and will not be   
   contained, to the best of the Registrant's knowledge, in definitive proxy
or information statements incorporated by reference in Part III of the
Form 10-K or any amendment to this Form 10-K.         [x]             

Indicate by check mark whether the registrant is an accelerated filer 
(as defined in Rule 12b-2 of the Act).  Yes   No [x]                  

State the aggregate market value of the voting and non-voting common  
equity held by non-affiliates computed by reference to the price at   
which the common equity was last sold, or the average bid and asked   
price of such common equity, as of the of the last business day of    
the registrant's most recently completed second fiscal quarter        
NOT APPLICABLE.                                                       

Indicate the number of shares outstanding of each of the registrant's 
classes of common stock, as of December 31,2004.                      
NOT APPLICABLE                                                        

DOCUMENTS INCORPORATED BY REFERENCE                                   
None                                                                  

PART I                                                                

ITEM 1.  Business.                                                    

Not Applicable                                                        

ITEM 2.  Properties.                                                  

Not Applicable                                                        

ITEM 3.  Legal Proceedings.                                           

None.                                                                 

ITEM 4.  Submission of Matters to a Vote of Security Holders.         

No matters were submitted to a vote of Certificateholders during the  
fiscal year covered by this report.                                   

PART II                                                               

ITEM 5.  Market for Registrant's Common Equity and Related Stockholder
Matters and Issuer Purchases of Equity Securities.                    

The Trust does not issue stock.                                       

  There is currently no established public trading market for Registrant's
  Certificates.  Registrant believes the Certificates are traded primarily
in intra-dealer markets and non-centralized inter-dealer markets.     

  As of December 31, 2004 the number of registered holders of all class of
Certificates was 10.                                                  

ITEM 6.  Selected Financial Data.                                     

Not Applicable                                                        

  ITEM 7.  Management's Discussion and Analysis of Financial Condition and
Results of Operations.                                                

Not Applicable                                                        

ITEM 7A.  Quantitative and Qualitative Disclosures About Market Risk. 

Not Applicable                                                        

ITEM 8.  Financial Statements and Supplementary Data.                 

Not Applicable                                                        

  ITEM 9.  Changes in and Disagreements with Accountants on Accounting and
Financial Disclosure.                                                 

None.                                                                 

ITEM 9A  Controls and Procedures                                      

Not Applicable                                                        

PART III                                                              

ITEM 10.  Directors and Executive Officers of Registrant.             

Not Applicable.                                                       

ITEM 11.  Executive Compensation.                                     

Not Applicable.                                                       

   ITEM 12.  Security Ownership of Certain Beneficial Owners and Management.

Security ownership of certain beneficial owners.  Under the Pooling   
and Servicing Agreement governing the Trust, the holders of the       
 Certificates generally do not have the right to vote and are prohibited
 from taking part in management of the Trust.  For purposes of this Item
  and Item 13 only, however, the Certificateholders are treated as "voting
security" holders.                                                    

  As of December 31, 2004, the following are the only persons known to the
Registrant to be the beneficial owners of more than 5% of any class of
voting securities:                                                    

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS 1-A-1                                                           
$152,065,000                                                          
100.0%                                                                

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS 2-A-1                                                           
$100,000,000                                                          
100.0%                                                                

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS 2-A-2A                                                          
$167,019,000                                                          
100.0%                                                                

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS 2-A-2B                                                          
$29,474,000                                                           
100.0%                                                                

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS A-X-1                                                           
$448,558,000                                                          
100.0%                                                                

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS A-X-2                                                           
$481,027,915                                                          
100.0%                                                                

GREENWICH CAPITAL MARKETS INC                                         
600 STEAMBOAT ROAD                                                    
GREENWICH, CT 06830                                                   
SERIES 2004-AR10                                                      
CLASS A-R                                                             
$100.00                                                               
100%                                                                  

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS B-1                                                             
$10,342,000                                                           
100.0%                                                                

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS B-2                                                             
$7,936,000                                                            
100.0%                                                                

CEDEFAST                                                              
CEDE & CO FAST                                                        
P.O. BOX 20                                                           
BOWLING GREEN STATION                                                 
NEW YORK, NEW YORK, 10274                                             
SERIES 2004-AR10                                                      
CLASS B-3                                                             
$5,531,000                                                            
100.0%                                                                

ITEM 13.  Certain Relationships and Related Transactions.             
None                              

ITEM 14.  Principal Accountant Fees and Services                      
NOT APPLICABLE                                    

PART IV                                                               

ITEM 15. Exhibits, Financial Statement Schedules.                     

(a) List the following documents filed as a part of the report:       

(1) All financial statement:                                  

Exhibit 31   Section 302 Certification                

    Exhibit 99.1 Servicer's Annual Statement of Compliance for
Year End December 31, 2004                            

 Exhibit 99.2 Servicer's Annual Report of Management and
       Servicer's Report of Independent Registered Public Accounting
Firm for Year End December 31, 2004                   

       Monthly Remittance Statement to the Certificate holders dated
   as of October 25, 2004, and filed with the Securities and
Exchange Commission on Form 8-K on November 01, 2004. 

       Monthly Remittance Statement to the Certificate holders dated
    as of November 26, 2004, and filed with the Securities and
Exchange Commission on Form 8-K on November 29, 2004. 

       Monthly Remittance Statement to the Certificate holders dated
    as of December 27, 2004, and filed with the Securities and
Exchange Commission on Form 8-K on January 03, 2005.  

(2) Not Applicable                                            

(3) Not Applicable                                            

(b) Not Applicable                                                    

(c) Not Applicable                                                    

   SIGNATURE

Pursuant to the requirements of Section 13 or 15(d) of the  
   Securities Exchange Act of 1934, the Registrant has duly caused
this report to be signed on its behalf by the undersigned,  
thereunto duly authorized.                                  

                                  By: INDYMAC MBS, Inc. as Depositor
                                       on behalf of the Registrant

                                By: /s/:  John Olinski
                                          John Olinski
                                      Executive Vice President

Date: March 23, 2005                                                  

EXHIBIT INDEX                                                         

Exhibit Document                                                      

31   Section 302 Certification                                      

99.1 Servicer's Annual Statement of Compliance for Year End         
December 31, 2004                                         

99.2 Servicer's Annual Report of Management and Servicer's Report   
   of Independent Registered Public Accounting Firm for Year End
December 31, 2004                                         

Dates Referenced Herein   and   Documents Incorporated by Reference

This ‘10-K’ Filing		Date		Other Filings
Filed as of:		3/23/05
Filed on / For Period End:		3/22/05
		1/3/05		8-K
		12/31/04
		12/27/04		8-K
		11/29/04		8-K
		11/26/04		8-K
		11/1/04		8-K
		10/25/04		8-K
		9/1/04
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