SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K /A

Current Report Pursuant To Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): December 26, 2002

INDYMAC MBS, INC.

(as Depositor, IndyMac Bank, F.S.B. as Seller and as Master Servicer,

and Deutsche Bank National Trust Company, as trustee

under the Pooling and Servicing Agreement, dated as of

September 1, 2002, providing for the issuance of IndyMac MBS, Inc.

Residential Asset Securitization Trust Series 2002-A12 Mortgage

Pass-Through Certificates Series 2002-L.

INDYMAC MBS INC RESIDENTIAL ASSET SEC TRUST 2002-A12

(Exact name of Registrant as specified in its Charter)

DELAWARE

(State or Other Jurisdiction of Incorporation)

333-82831-15 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

Item 5. 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 7. Financial Statement and Exhibits

Exhibits: (as noted in Item 5 above)

Monthly Remittance Statement to the Certificateholders dated as of

December 26, 2002.

SIGNATURE

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,

not in its individual capacity, but solely

as a duly authorized agent of the Registrant

pursuant to the Pooling and Servicing

Agreement, dated as of September 1, 2002.

Date: Jan 23, 2003 By: /s/ Katie Wannenmacher

Katie Wannenmacher

Vice President

EXHIBIT INDEX

DOCUMENT

Monthly Remittance Statement to the Certificateholders

dated as of December 26, 2002.


	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates


	December 26, 2002 Distribution


	Contents



			TABLE OF CONTENTS

								Page

			1.	Contents				1
			2.	Certificate Payment Report				2
			3.	Collection Account Report				8
			4.	Credit Enhancement Report				11
			5.	Collateral Report				12
			6.	Delinquency Report				15
			7.	REO Report				18
			8.	Prepayment Report				19
			9.	Prepayment Detail Report				22
			10.	Realized Loss Report				23
			11.	Realized Loss Detail Report				26
			12.	Triggers, Adj. Rate Cert. and Miscellaneous Report				27





				Total Number of Pages				27



			CONTACTS

				Administrator: James F Noriega
				Direct Phone Number: (714)247-6281
				Address: Deutsche Bank
				1761 E. St. Andrew Place, Santa Ana, CA 92705

				Web Site: http://www.corporatetrust.db.com/invr
				Factor Information: (800) 735-7777
				Main Phone Number: (714) 247-6000



ISSUANCE INFORMATION

	Seller:		IndyMac Bank					Cut-Off Date: September 1, 2002
	Certificate Insurer(s):							Closing Date: September 27, 2002
								First Payment Date: October 25, 2002
	Servicer(s):		IndyMac Bank
			IndyMac Bank

								Distribution Date: December 26, 2002
	Underwriter(s):		Morgan Stanley & Co. Inc					Record Date: November 29, 2002
			Morgan Stanley & Co. Inc






						Page 1 of 27					© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates
	Series 2002-A12
	Certificate Payment Report for December 26, 2002 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)

S1A		209,037,100.00			205,641,594.17	1,028,207.97	2,356,687.63	3,384,895.60	-	-	203,284,906.54
S2A		172,365,000.00			170,641,124.76	853,205.62	1,804,213.12	2,657,418.74	-	-	168,836,911.64
S1B1		3,684,000.00			3,673,959.20	18,369.80	3,518.23	21,888.03	-	-	3,670,440.97
S1B2		1,408,000.00			1,404,162.47	7,020.81	1,344.64	8,365.45	-	-	1,402,817.83
S1B3		1,083,000.00			1,080,048.27	5,400.24	1,034.27	6,434.51	-	-	1,079,014.00
S1B4		433,000.00			431,819.85	2,159.10	413.52	2,572.62	-	-	431,406.33
S1B5		433,000.00			431,819.85	2,159.10	413.52	2,572.62	-	-	431,406.33
S1B6		545,462.37			543,975.70	2,719.88	520.92	3,240.80	-	-	543,454.78
S2B1		5,771,000.00			5,755,271.04	28,776.36	5,511.32	34,287.68	-	-	5,749,759.72
S2B2		1,557,000.00			1,552,756.37	7,763.78	1,486.94	9,250.72	-	-	1,551,269.43
S2B3		1,191,000.00			1,187,753.91	5,938.77	1,137.41	7,076.18	-	-	1,186,616.50
S2B4		549,000.00			547,503.69	2,737.52	524.30	3,261.82	-	-	546,979.39
S2B5		458,000.00			456,751.71	2,283.76	437.39	2,721.15	-	-	456,314.32
S2B6		551,645.01			550,141.49	2,750.71	526.82	3,277.53	-	-	549,614.67
S1PO		642,937.58			639,618.68	-	1,409.28	1,409.28	-	-	638,209.40
S2PO		290,855.04			290,488.23	-	276.46	276.46	-	-	290,211.77
S1X		-			-	105,413.18	-	105,413.18	-	-	-
S2X		-			-	93,249.73	-	93,249.73	-	-	-
SR		-			-	154.43	-	154.43	-	-	-
SP		100.00			100.00	-	-	-	-	-	100.00


Total		400,000,100.00			394,828,889.39	2,168,310.76	4,179,455.76	6,347,766.52	-	-	390,649,433.63


	Interest Accrual Detail				Current Period Factor Information per $1,000 of Original Face
						Orig. Principal	Prior				Current
	Period	Period				(with Notional)	Principal			Total	Principal
Class	Starting	Ending		Method	Cusip	Balance	Balance	Interest	Principal	Distribution	Balance
							(1)	(2)	(3)	(4)=(2)+(3)	(5)

S1A				F-30/360		209,037,100.00	983.756444	4.918782	11.274016	16.192798	972.482428
S2A				F-30/360		172,365,000.00	989.998693	4.949993	10.467398	15.417392	979.531295
S1B1				F-30/360		3,684,000.00	997.274484	4.986374	0.955003	5.941376	996.319482
S1B2				F-30/360		1,408,000.00	997.274482	4.986371	0.955003	5.941373	996.319479
S1B3				F-30/360		1,083,000.00	997.274488	4.986371	0.955003	5.941374	996.319485
S1B4				F-30/360		433,000.00	997.274480	4.986374	0.955003	5.941377	996.319478
S1B5				F-30/360		433,000.00	997.274480	4.986374	0.955003	5.941377	996.319478
S1B6				F-30/360		545,462.37	997.274477	4.986375	0.955003	5.941378	996.319475
S2B1				F-30/360		5,771,000.00	997.274483	4.986373	0.955003	5.941376	996.319480
S2B2				F-30/360		1,557,000.00	997.274483	4.986371	0.955003	5.941374	996.319480
S2B3				F-30/360		1,191,000.00	997.274484	4.986373	0.955003	5.941375	996.319481
S2B4				F-30/360		549,000.00	997.274481	4.986375	0.955003	5.941378	996.319478
S2B5				F-30/360		458,000.00	997.274476	4.986376	0.955003	5.941378	996.319473
S2B6				F-30/360		551,645.01	997.274479	4.986377	0.955003	5.941380	996.319476
S1PO				F-30/360		642,937.58	994.837913	-	2.191939	2.191939	992.645974
S2PO				F-30/360		290,855.04	998.738856	-	0.950508	0.950508	997.788348
S1X				F-30/360		198,428,936.91	983.090843	0.531239	-	0.531239	971.296206
S2X				F-30/360		147,782,268.44	1,150.629864	0.630994	-	0.630994	1,138.435808
SR				F-30/360		-	-	-	-	-	-
SP				F-30/360		100.00	1,000.000000	-	-	-	1,000.000000


							Page 2 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates
	Series 2002-A12
	Certificate Payment Report for December 26, 2002 Distribution


	Distribution in Dollars - to Date
											Current
	Original				Unscheduled	Scheduled	Total	Total	Realized	Deferred	Principal
Class	Face Value		Interest		Principal	Principal	Principal	Distribution	Losses	Interest	Balance
	(1)		(2)		(3)	(4)	(5)=(3)+(4)	(6)=(2)+(5)	(7)	(8)	(9)=(1)-(5)-(7)+(8)

S1A	209,037,100.00		3,111,018.24		-	5,752,193.46	5,752,193.46	8,863,211.70	-	-	203,284,906.54
S2A	172,365,000.00		2,571,190.58		-	3,528,088.36	3,528,088.36	6,099,278.94	-	-	168,836,911.64
S1B1	3,684,000.00		55,195.31		-	13,559.03	13,559.03	68,754.34	-	-	3,670,440.97
S1B2	1,408,000.00		21,095.27		-	5,182.17	5,182.17	26,277.44	-	-	1,402,817.83
S1B3	1,083,000.00		16,225.98		-	3,986.00	3,986.00	20,211.98	-	-	1,079,014.00
S1B4	433,000.00		6,487.40		-	1,593.66	1,593.66	8,081.06	-	-	431,406.33
S1B5	433,000.00		6,487.40		-	1,593.67	1,593.67	8,081.07	-	-	431,406.33
S1B6	545,462.37		8,172.36		-	2,007.58	2,007.58	10,179.94	-	-	543,454.78
S2B1	5,771,000.00		86,463.67		-	21,240.28	21,240.28	107,703.95	-	-	5,749,759.72
S2B2	1,557,000.00		23,327.66		-	5,730.57	5,730.57	29,058.23	-	-	1,551,269.43
S2B3	1,191,000.00		17,844.09		-	4,383.50	4,383.50	22,227.59	-	-	1,186,616.50
S2B4	549,000.00		8,225.36		-	2,020.61	2,020.61	10,245.97	-	-	546,979.39
S2B5	458,000.00		6,861.96		-	1,685.68	1,685.68	8,547.64	-	-	456,314.32
S2B6	551,645.01		8,265.00		-	2,030.34	2,030.34	10,295.34	-	-	549,614.67
S1PO	642,937.58		-		-	4,728.18	4,728.18	4,728.18	-	-	638,209.40
S2PO	290,855.04		-		-	643.27	643.27	643.27	-	-	290,211.77
S1X	-		323,020.38		-	-	-	323,020.38	-	-	-
S2X	-		266,472.80		-	-	-	266,472.80	-	-	-
SR	-		1,576.99		-	-	-	1,576.99	-	-	-
SP	100.00		-		-	-	-	-	-	-	100.00


Total	400,000,100.00		6,537,930.45		-	9,350,666.36	9,350,666.36	15,888,596.81	-	-	390,649,433.63


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

S1A	6.00000%	205,641,594.17			1,028,207.97	-	-	-	1,028,207.97	1,028,207.97	-
S2A	6.00000%	170,641,124.76			853,205.62	-	-	-	853,205.62	853,205.62	-
S1B1	6.00000%	3,673,959.20			18,369.80	-	-	-	18,369.80	18,369.80	-
S1B2	6.00000%	1,404,162.47			7,020.81	-	-	-	7,020.81	7,020.81	-
S1B3	6.00000%	1,080,048.27			5,400.24	-	-	-	5,400.24	5,400.24	-
S1B4	6.00000%	431,819.85			2,159.10	-	-	-	2,159.10	2,159.10	-
S1B5	6.00000%	431,819.85			2,159.10	-	-	-	2,159.10	2,159.10	-
S1B6	6.00000%	543,975.70			2,719.88	-	-	-	2,719.88	2,719.88	-
S2B1	6.00000%	5,755,271.04			28,776.36	-	-	-	28,776.36	28,776.36	-
S2B2	6.00000%	1,552,756.37			7,763.78	-	-	-	7,763.78	7,763.78	-
S2B3	6.00000%	1,187,753.91			5,938.77	-	-	-	5,938.77	5,938.77	-
S2B4	6.00000%	547,503.69			2,737.52	-	-	-	2,737.52	2,737.52	-
S2B5	6.00000%	456,751.71			2,283.76	-	-	-	2,283.76	2,283.76	-
S2B6	6.00000%	550,141.49			2,750.71	-	-	-	2,750.71	2,750.71	-
S1PO		639,618.68			-	-	-	-	-	-	-
S2PO		290,488.23			-	-	-	-	-	-	-
S1X	0.64845%	195,073,670.87			105,413.18	-	-	-	105,413.18	105,413.18	-
S2X	0.65807%	170,042,691.41			93,249.73	-	-	-	93,249.73	93,249.73	-
SR		-			-	-	-	-	-	154.43	-
SP		100.00			-	-	-	-	-	-	-


Total		759,945,251.67			2,168,156.33	-	-	-	2,168,156.33	2,168,310.76	-


							Page 3 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates
	Series 2002-A12
	Certificate Payment Report for December 26, 2002 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	SNR	100,180,000.00			98,786,687.91	428,064.84	91,333.61	519,398.45	-	-	98,695,354.30
1-A-2	SNR	48,057,000.00			47,233,854.86	77,933.89	571,312.81	649,246.70	-	-	46,662,542.05
1-A-3	SNR,NOT, IO	-			-	256,630.80	-	256,630.80	-	-	-
A-4	SNR	20,000,000.00			20,000,000.00	95,830.92	-	95,830.92	-	-	20,000,000.00
1-A-5	SNR	50,000,000.00			48,821,051.41	211,145.72	1,694,041.21	1,905,186.93	-	-	47,127,010.20
A-6	SNR, NOT, I	-			-	24,081.06	-	24,081.06	-	-	-
A-X	SNR, NOT, I	-			-	198,657.90	-	198,657.90	-	-	-
2-A-1	SNR	50,000,000.00			49,470,724.05	212,306.50	553,941.83	766,248.33	-	-	48,916,782.22
2-A-2	SNR	21,294,000.00			21,068,591.96	34,762.30	235,912.75	270,675.05	-	-	20,832,679.21
2-A-3	SNR, NOT, I	-			-	114,469.79	-	114,469.79	-	-	-
2-A-5	SNR	21,471,000.00			21,243,718.32	97,364.58	237,873.70	335,238.28	-	-	21,005,844.62
2-A-7	SNR	15,000,000.00			14,798,313.85	73,989.70	144,024.88	218,014.58	-	-	14,654,288.97
2-A-8	SNR	50,000,000.00			49,513,627.41	226,931.73	576,099.50	803,031.23	-	-	48,937,527.91
2-A-9	SNR	5,400,000.00			5,346,149.16	26,730.08	56,360.46	83,090.54	-	-	5,289,788.70
PO	SNR, PO	933,792.62			930,106.91	-	1,685.74	1,685.74	-	-	928,421.17
AR	SNR, R	100.00			-	0.00	-	0.00	-	-	-
P		100.00			100.00	-	-	-	-	-	100.00


Total		382,335,992.62			377,212,925.84	2,078,899.83	4,162,586.49	6,241,486.31	-	-	373,050,339.35


	Interest Accrual Detail				Current Period Factor Information per $1,000 of Original Face
						Orig. Principal	Prior				Current
	Period	Period				(with Notional)	Principal			Total	Principal
Class	Starting	Ending		Method	Cusip	Balance	Balance	Interest	Principal	Distribution	Balance
							(1)	(2)	(3)	(4)=(2)+(3)	(5)

1-A-1				F-30/360	45660NHG3	100,180,000.00	986.091914	4.272957	0.911695	5.184652	985.180219
1-A-2				A-30/360	45660NHH1	48,057,000.00	982.871483	1.621697	11.888233	13.509930	970.983250
1-A-3				A-30/360	45660NHJ7	48,057,000.00	982.871483	5.340134	-	5.340134	-
A-4				F-30/360	45660NHW8	20,000,000.00	1,000.000000	4.791546	-	4.791546	1,000.000000
1-A-5				F-30/360	45660NHK4	50,000,000.00	976.421028	4.222914	33.880824	38.103739	942.540204
A-6				F-30/360	45660NHS7	4,816,332.00	1,000.000000	4.999876	-	4.999876	-
A-X				A-30/360	45660NHM0	370,529,661.00	985.390377	0.536146	-	0.536146	-
2-A-1				F-30/360	45660NHN8	50,000,000.00	989.414481	4.246130	11.078837	15.324967	978.335644
2-A-2				A-30/360	45660NHP3	21,294,000.00	989.414481	1.632493	11.078837	12.711329	978.335644
2-A-3				A-30/360	45660NHQ1	21,294,000.00	989.414481	5.375683	-	5.375683	-
2-A-5				F-30/360	45660NHR9	21,471,000.00	989.414481	4.534702	11.078837	15.613538	978.335644
2-A-7				F-30/360	45660NHT5	15,000,000.00	986.554257	4.932647	9.601658	14.534305	976.952598
2-A-8				F-30/360	45660NHU2	50,000,000.00	990.272548	4.538635	11.521990	16.060625	978.750558
2-A-9				F-30/360	45660NJD8	5,400,000.00	990.027622	4.950015	10.437122	15.387137	979.590500
PO				F-30/360	45660NHX6	933,792.62	996.052967	-	1.805262	1.805262	994.247706
AR				F-30/360	45660NHY4	100.00	-	0.034000	-	0.034000	-
P				F-30/360	45660NGY5	100.00	1,000.000000	-	-	-	1,000.000000


							Page 4 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates
	Series 2002-A12
	Certificate Payment Report for December 26, 2002 Distribution


	Distribution in Dollars - to Date
											Current
	Original				Unscheduled	Scheduled	Total	Total	Realized	Deferred	Principal
Class	Face Value		Interest		Principal	Principal	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	100,180,000.00		1,293,602.83		-	1,484,645.70	1,484,645.70	2,778,248.53	-	-	98,695,354.30
1-A-2	48,057,000.00		271,421.95		-	1,394,457.95	1,394,457.95	1,665,879.91	-	-	46,662,542.05
1-A-3	-		741,353.66		-	-	-	741,353.66	-	-	-
A-4	20,000,000.00		287,497.60		-	-	-	287,497.60	-	-	20,000,000.00
1-A-5	50,000,000.00		641,375.08		-	2,872,989.80	2,872,989.80	3,514,364.88	-	-	47,127,010.20
A-6	-		72,244.40		-	-	-	72,244.40	-	-	-
A-X	-		590,760.24		-	-	-	590,760.24	-	-	-
2-A-1	50,000,000.00		639,980.25		-	1,083,217.78	1,083,217.78	1,723,198.03	-	-	48,916,782.22
2-A-2	21,294,000.00		120,525.55		-	461,320.79	461,320.79	581,846.34	-	-	20,832,679.21
2-A-3	-		329,322.16		-	-	-	329,322.16	-	-	-
2-A-5	21,471,000.00		293,497.42		-	465,155.38	465,155.38	758,652.80	-	-	21,005,844.62
2-A-7	15,000,000.00		223,217.10		-	345,711.02	345,711.02	568,928.13	-	-	14,654,288.97
2-A-8	50,000,000.00		683,900.59		-	1,062,472.09	1,062,472.09	1,746,372.67	-	-	48,937,527.91
2-A-9	5,400,000.00		80,553.11		-	110,211.30	110,211.30	190,764.41	-	-	5,289,788.70
PO	933,792.62		-		-	5,371.45	5,371.45	5,371.45	-	-	928,421.17
AR	100.00		29.28		-	100.00	100.00	129.28	-	-	-
P	100.00		-		-	-	-	-	-	-	100.00


Total	382,335,992.62		6,269,281.23		-	9,285,653.27	9,285,653.27	15,554,934.49	-	-	373,050,339.35


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

1-A-1	5.20000%	98,786,687.91			428,075.65	-	-	-	428,075.65	428,064.84	-
1-A-2	1.98000%	47,233,854.86			77,935.86	-	-	-	77,935.86	77,933.89	-
1-A-3	6.52000%	47,233,854.86			256,637.28	-	-	-	256,637.28	256,630.80	-
A-4	5.75000%	20,000,000.00			95,833.34	-	-	-	95,833.34	95,830.92	-
1-A-5	5.19000%	48,821,051.41			211,151.05	-	-	-	211,151.05	211,145.72	-
A-6	6.00000%	4,816,332.00			24,081.67	-	-	-	24,081.67	24,081.06	-
A-X	0.65293%	365,116,362.28			198,662.91	-	-	-	198,662.91	198,657.90	-
2-A-1	5.15000%	49,470,724.05			212,311.86	-	-	-	212,311.86	212,306.50	-
2-A-2	1.98000%	21,068,591.96			34,763.18	-	-	-	34,763.18	34,762.30	-
2-A-3	6.52000%	21,068,591.96			114,472.68	-	-	-	114,472.68	114,469.79	-
2-A-5	5.50000%	21,243,718.32			97,367.04	-	-	-	97,367.04	97,364.58	-
2-A-7	6.00000%	14,798,313.85			73,991.57	-	-	-	73,991.57	73,989.70	-
2-A-8	5.50000%	49,513,627.41			226,937.46	-	-	-	226,937.46	226,931.73	-
2-A-9	6.00000%	5,346,149.16			26,730.75	-	-	-	26,730.75	26,730.08	-
PO		930,106.91			-	-	-	-	-	-	-
AR	6.00000%	-			-	-	-	-	-	0.00	-
P		100.00			-	-	-	-	-	-	-


Total		815,448,066.94			2,078,952.30	-	-	-	2,078,952.30	2,078,899.83	-


							Page 5 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates
	Series 2002-A12
	Certificate Payment Report for December 26, 2002 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)

B-1	SUB	9,455,000.00			9,429,230.24	47,144.96	9,029.55	56,174.51	-	-	9,420,200.69
B-2	SUB	2,965,000.00			2,956,918.84	14,784.22	2,831.58	17,615.80	-	-	2,954,087.26
B-3	SUB	2,274,000.00			2,267,802.17	11,338.72	2,171.68	13,510.40	-	-	2,265,630.49
B-4	SUB	982,000.00			979,323.54	4,896.50	937.81	5,834.31	-	-	978,385.73
B-5	SUB	891,000.00			888,571.57	4,442.75	850.91	5,293.66	-	-	887,720.66
B-6	SUB	1,097,107.38			1,094,117.19	5,470.45	1,047.74	6,518.19	-	-	1,093,069.45


Total		17,664,107.38			17,615,963.55	88,077.59	16,869.27	104,946.86	-	-	17,599,094.28


	Interest Accrual Detail				Current Period Factor Information per $1,000 of Original Face
						Orig. Principal	Prior				Current
	Period	Period				(with Notional)	Principal			Total	Principal
Class	Starting	Ending		Method	Cusip	Balance	Balance	Interest	Principal	Distribution	Balance
							(1)	(2)	(3)	(4)=(2)+(3)	(5)

B-1				F-30/360	45660NJA4	9,455,000.00	997.274483	4.986246	0.955003	5.941249	996.319481
B-2				F-30/360	45660NJB2	2,965,000.00	997.274482	4.986245	0.955003	5.941248	996.319481
B-3				F-30/360	45660NJC0	2,274,000.00	997.274481	4.986246	0.955003	5.941249	996.319477
B-4				F-30/360	45660NHA6	982,000.00	997.274481	4.986249	0.955003	5.941252	996.319481
B-5				F-30/360	45660NHB4	891,000.00	997.274489	4.986249	0.955003	5.941252	996.319484
B-6				F-30/360	45660NHC2	1,097,107.38	997.274478	4.986248	0.955003	5.941251	996.319476


							Page 6 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates
	Series 2002-A12
	Certificate Payment Report for December 26, 2002 Distribution


	Distribution in Dollars - to Date
											Current
	Original				Unscheduled	Scheduled	Total	Total	Realized	Deferred	Principal
Class	Face Value		Interest		Principal	Principal	Principal	Distribution	Losses	Interest	Balance
	(1)		(2)		(3)	(4)	(5)=(3)+(4)	(6)=(2)+(5)	(7)	(8)	(9)=(1)-(5)-(7)+(8)

B-1	9,455,000.00		141,657.78		-	34,799.31	34,799.31	176,457.09	-	-	9,420,200.69
B-2	2,965,000.00		44,422.56		-	10,912.74	10,912.74	55,335.30	-	-	2,954,087.26
B-3	2,274,000.00		34,069.78		-	8,369.50	8,369.50	42,439.29	-	-	2,265,630.49
B-4	982,000.00		14,712.64		-	3,614.27	3,614.27	18,326.91	-	-	978,385.73
B-5	891,000.00		13,349.25		-	3,279.34	3,279.34	16,628.59	-	-	887,720.66
B-6	1,097,107.38		16,437.21		-	4,037.93	4,037.93	20,475.14	-	-	1,093,069.45


Total	17,664,107.38		264,649.21		-	65,013.09	65,013.09	329,662.30	-	-	17,599,094.28


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

B-1	6.00000%	9,429,230.24			47,146.15	-	-	-	47,146.15	47,144.96	-
B-2	6.00000%	2,956,918.84			14,784.59	-	-	-	14,784.59	14,784.22	-
B-3	6.00000%	2,267,802.17			11,339.01	-	-	-	11,339.01	11,338.72	-
B-4	6.00000%	979,323.54			4,896.62	-	-	-	4,896.62	4,896.50	-
B-5	6.00000%	888,571.57			4,442.86	-	-	-	4,442.86	4,442.75	-
B-6	6.00000%	1,094,117.19			5,470.59	-	-	-	5,470.59	5,470.45	-


Total		17,615,963.55			88,079.82	-	-	-	88,079.82	88,077.59	-


							Page 7 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Collection Account Report for December 26, 2002 Distribution


	Collection Account Report


SUMMARY						GROUP II	GROUP I	TOTAL

	Principal Collections					1,813,794.23	2,365,661.53	4,179,455.76
	Principal Withdrawals					0.00	0.00	0.00
	Principal Other Accounts					0.00	0.00	0.00
	TOTAL PRINCIPAL					1,813,794.23	2,365,661.53	4,179,455.76

	Interest Collections					1,038,189.21	1,214,680.74	2,252,869.95
	Interest Withdrawals					(38,865.78)	(45,693.41)	(84,559.19)
	Interest Other Accounts					0.00	0.00	0.00
	TOTAL INTEREST					999,323.43	1,168,987.33	2,168,310.76

	TOTAL AVAILABLE FUNDS TO BONDHOLDERS					2,813,117.66	3,534,648.86	6,347,766.52

	Interest Payable to Bondholders					999,323.43	1,168,987.33	2,168,310.76

	Principal Payment Amount Payable to Bondholders					1,813,794.23	2,365,661.53	4,179,455.76

	Loan Group 2 remaining Prefunded Amount							0.00


PRINCIPAL - COLLECTIONS						GROUP II	GROUP I	TOTAL

	Scheduled Principal					155,342.88	189,820.70	345,163.58
	Curtailments					20,171.72	40,050.88	60,222.60
	Prepayments in Full					1,638,279.63	2,135,789.95	3,774,069.58
	Repurchases/Substitutions					0.00	0.00	0.00
	Liquidations					0.00	0.00	0.00
	Insurance Principal					0.00	0.00	0.00
	Other Additional Principal					0.00	0.00	0.00
	LESS: Delinquent Principal					(1,572.73)	(1,158.63)	(2,731.36)
	LESS: Realized Losses					0.00	0.00	0.00
	Principal Advanced					1,572.73	1,158.63	2,731.36
	TOTAL PRINCIPAL					1,813,794.23	2,365,661.53	4,179,455.76


				Page 8 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Collection Account Report for December 26, 2002 Distribution


	Collection Account Report


PRINCIPAL - WITHDRAWALS						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


PRINCIPAL - OTHER ACCOUNTS						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


INTEREST - COLLECTIONS						GROUP II	GROUP I	TOTAL

	Scheduled Interest					1,038,189.21	1,214,680.74	2,252,869.95
	Repurchases/Substitutions					0.00	0.00	0.00
	Liquidations					0.00	0.00	0.00
	Insurance Interest					0.00	0.00	0.00
	Other Additional Interest					0.00	0.00	0.00
	Prepayment Interest Shortfalls					0.00	0.00	0.00
	Delinquent Interest					(15,133.90)	(11,752.17)	(26,886.07)
	Interest Realized Losses					0.00	0.00	0.00
	Compensating Interest					0.00	0.00	0.00
	Interest Advanced					15,133.90	11,752.17	26,886.07
	TOTAL INTEREST					1,038,189.21	1,214,680.74	2,252,869.95


				Page 9 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Collection Account Report for December 26, 2002 Distribution


	Collection Account Report


INTEREST - WITHDRAWALS						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


INTEREST - OTHER ACCOUNTS						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


INTEREST - FEES						GROUP II	GROUP I	TOTAL

	Master Servicing Fees					0.00	0.00	0.00
	Current Servicing Fees					37,338.67	44,089.89	81,428.56
	Delinquent Servicing Fees					468.51	358.95	827.46
	Trustee Fees					1,058.60	1,244.57	2,303.17
	TOTAL INTEREST FEES					38,865.78	45,693.41	84,559.19


				Page 10 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Credit Enhancement Report for December 26, 2002 Distribution


	Credit Enhancement Report


ACCOUNTS						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


INSURANCE						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


STRUCTURAL FEATURES						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


				Page 11 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Collateral Report for December 26, 2002 Distribution


	Collateral Report


COLLATERAL						GROUP II	GROUP I	TOTAL
	Loan Count:
	*Original*					485	600	1085
	Prior					583	589	1,172
	Prefunding					-	-	-
	Scheduled Paid Offs					-	-	-
	Full Voluntary Prepayments					(4)	(7)	(11)
	Repurchases					-	-	-
	Liquidations					-	-	-
	Current					579	582	1,161

	*Principal Balance:*
	Original					156,207,168.99	216,766,499.95	372,973,668.94
	Prior					181,474,441.68	213,354,447.66	394,828,889.34
	Prefunding					-	-	-
	Scheduled Principal					(155,342.88)	(189,820.70)	(345,163.58)
	Partial and Full Voluntary Prepayments					(1,658,451.35)	(2,175,840.83)	(3,834,292.18)
	Repurchases					-	-	-
	Liquidations					-	-	-
	Current					179,660,647.45	210,988,786.13	390,649,433.58

PREFUNDING						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


	Group I
	Group II
Current Prin Balance by Groups (in millions of dollars)					Total Current Principal Balance (in millions of dollars)


				Page 12 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Collateral Report for December 26, 2002 Distribution


	Collateral Report


CHARACTERISTICS						GROUP II	GROUP I	TOTAL

	Weighted Average Coupon Original					6.860531%	6.847062%	6.852703%
	Weighted Average Coupon Prior					6.867117%	6.840129%	6.852497%
	Weighted Average Coupon Current					6.865028%	6.831903%	6.847128%
	Weighted Average Months to Maturity Original					359	356	357
	Weighted Average Months to Maturity Prior					54	355	217
	Weighted Average Months to Maturity Current					54	353	215
	Weighted Avg Remaining Amortization Term Original					356	358	357
	Weighted Avg Remaining Amortization Term Prior					357	354	356
	Weighted Avg Remaining Amortization Term Current					356	353	354
	Weighted Average Seasoning Original					0.51	(0.45)	(0.05)
	Weighted Average Seasoning Prior					0.41	1.48	0.99
	Weighted Average Seasoning Current					1.41	2.43	1.96

Note: Original information refers to deal issue.


	Group I
	Group II
WAC by Groups					Total WAC


WARAT by Groups					Total WARAT


Note: Dates correspond to distribution dates.
				Page 13 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Collateral Report for December 26, 2002 Distribution


	Collateral Report


ARM CHARACTERISTICS						GROUP II	GROUP I	TOTAL

	Weighted Average Margin Original
	Weighted Average Margin Prior
	Weighted Average Margin Current
	Weighted Average Max Rate Original
	Weighted Average Max Rate Prior
	Weighted Average Max Rate Current
	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 II	GROUP I	TOTAL

	Current PPIS					0.00	0.00	0.00
	Current Net PPIS					0.00	0.00	0.00
	Delinquent Servicing Fees					468.51	358.95	827.46
	TOTAL SERVICING FEES					37,807.18	44,448.84	82,256.02
	TOTAL ADVANCES FOR CURRENT PERIOD					16,238.12	12,551.85	28,789.97


ADDITIONAL COLLATERAL INFORMATION						GROUP II	GROUP I	TOTAL

	Net Mortgage Rate					6.608028%	6.574903%	13.182931%


				Page 14 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Delinquency Report for December 26, 2002 Distribution


	Delinquency Report - Total


				CURRENT	1 PAYMENT	2 PAYMTS	3+ PAYMTS	TOTAL
DELINQUENT		Balance			-	263,741.27	135,169.26	398,910.53
		% Balance			0.00%	0.07%	0.03%	0.10%
		# Loans			-	1	1	2
		% # Loans			0.00%	0.09%	0.09%	0.17%
FORECLOSURE		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%
BANKRUPTCY		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%
REO		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%

TOTAL		Balance		-	-	263,741.27	135,169.26	398,910.53
		% Balance		0.00%	0.00%	0.07%	0.03%	0.10%
		# Loans		-	-	1	1	2
		% # Loans		0.00%	0.00%	0.09%	0.09%	0.17%
Note: Current = 0-29days, 1 Payment =30-59days, 2 Payments = 60-89days, 3+ Payments = 90+
								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 15 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Delinquency Report for December 26, 2002 Distribution


	Delinquency Report - Group I Group


				CURRENT	1 PAYMENT	2 PAYMTS	3+ PAYMTS	TOTAL
DELINQUENT		Balance			-	263,741.27	135,169.26	398,910.53
		% Balance			0.00%	0.13%	0.06%	0.19%
		# Loans			-	1	1	2
		% # Loans			0.00%	0.17%	0.17%	0.34%
FORECLOSURE		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%
BANKRUPTCY		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%
REO		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%

TOTAL		Balance		-	-	263,741.27	135,169.26	398,910.53
		% Balance		0.00%	0.00%	0.13%	0.06%	0.19%
		# Loans		-	-	1	1	2
		% # Loans		0.00%	0.00%	0.17%	0.17%	0.34%
Note: Current = 0-29days, 1 Payment =30-59days, 2 Payments = 60-89days, 3+ Payments = 90+
								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 16 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Delinquency Report for December 26, 2002 Distribution


	Delinquency Report - Group II Group


				CURRENT	1 PAYMENT	2 PAYMTS	3+ PAYMTS	TOTAL
DELINQUENT		Balance			-	-	-	-
		% Balance			0.00%	0.00%	0.00%	0.00%
		# Loans			-	-	-	-
		% # Loans			0.00%	0.00%	0.00%	0.00%
FORECLOSURE		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%
BANKRUPTCY		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%
REO		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%

TOTAL		Balance		-	-	-	-	-
		% Balance		0.00%	0.00%	0.00%	0.00%	0.00%
		# Loans		-	-	-	-	-
		% # Loans		0.00%	0.00%	0.00%	0.00%	0.00%
Note: Current = 0-29days, 1 Payment =30-59days, 2 Payments = 60-89days, 3+ Payments = 90+
								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 17 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	REO Report for December 26, 2002 Distribution


	REO Report - Mortgage Loans that Become REO During Current Distribution


SUMMARY				LOAN GROUP

Total Loan Count = 0				Loan Group 1 = Group I Group; REO Book Value = 000.00
Total Original Principal Balance = 000.00				Loan Group 2 = Group II Group; 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	Principal	Paid to	Note	LTV at	Original	Origination
Loan Group		Balance	Balance	Date	Rate	Origination	Term	Date
SPACE INTENTIONALLY LEFT BLANK


				Page 18 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Prepayment Report for December 26, 2002 Distribution


	Prepayment Report - Voluntary Prepayments


VOLUNTARY PREPAYMENTS						GROUP II	GROUP I	TOTAL

	*Current*
	Number of Paid in Full Loans					4	7	11
	Number of Repurchased Loans					-	-	-
	Total Number of Loans Prepaid in Full					4	7	11

	Paid in Full Balance					1,638,279.63	2,135,789.95	3,774,069.58
	Repurchased Loans Balance					-	-	-
	Curtailments Amount					20,171.72	40,050.88	60,222.60
	Total Prepayment Amount					1,658,451.35	2,175,840.83	3,834,292.18

	*Cumulative*
	Number of Paid in Full Loans					11	15	26
	Number of Repurchased Loans					-	-	-
	Total Number of Loans Prepaid in Full					11	15	26

	Paid in Full Balance					3,179,229.63	4,975,128.79	8,154,358.42
	Repurchased Loans Balance					-	-	-
	Curtailments Amount					(50,397.90)	234,562.25	184,164.35
	Total Prepayment Amount					3,128,831.73	5,209,691.04	8,338,522.77

SPACE INTENTIONALLY LEFT BLANK


Total Prepayments by Groups (in thousands of dollars)					Total Prepayments (in thousands of dollars)


				Page 19 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Prepayment Report for December 26, 2002 Distribution


	Prepayment Report - Voluntary Prepayments


VOLUNTARY PREPAYMENT RATES						GROUP II	GROUP I	TOTAL

	SMM					0.91%	1.02%	0.97%
	3 Months Avg SMM					0.61%	0.81%	0.72%
	12 Months Avg SMM
	Avg SMM Since Cut-off					0.61%	0.81%	0.72%

	CPR					10.44%	11.58%	11.06%
	3 Months Avg CPR					7.03%	9.29%	8.25%
	12 Months Avg CPR
	Avg CPR Since Cut-off					7.03%	9.29%	8.25%

	PSA					3701.51%	2380.13%	2817.25%
	3 Months Avg PSA Approximation					4529.89%	4022.88%	4266.08%
	12 Months Avg PSA Approximation
	Avg PSA Since Cut-off Approximation					4529.89%	4022.88%	4266.08%



	Group I
	Group II


CPR by Groups					Total CPR


PSA by Groups					Total PSA


				Page 20 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Prepayment Report for December 26, 2002 Distribution


	Prepayment Report - Voluntary Prepayments

	Group I
	Group II

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/(0.02*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.

				Page 21 of 27				© COPYRIGHT 2002 Deutsche Bank


	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Prepayment Detail Report for December 26, 2002 Distribution


	Prepayment Detail Report - Loans Prepaid in Full During Current Distribution


SUMMARY						LOAN GROUP

Total Loan Count = 11						Loan Group 1 = Group I Group
Total Original Principal Balance = 3,787,090.00						Loan Group 2 = Group II Group
Total Prepayment Amount = 3,774,069.58


Loan Number			Original			Current	State &	Type Prepayment
&		Loan	Principal	Prepayment	Prepayment	Note	LTV at	&	Origination
Loan Group		Status	Balance	Amount	Date	Rate	Origination	Original Term	Date

622907 1			313,000.00	311,794.41	Nov-05-02	7.375%	CT - 79.85%	Paid Off - 360	May-31-02
1003148 1			426,500.00	425,147.47	Nov-26-02	9.250%	CT - 94.99%	Paid Off - 360	Apr-26-02
1003194 1			341,000.00	339,814.36	Nov-25-02	9.375%	WA - 89.93%	Paid Off - 360	Apr-26-02
1003195 1			204,000.00	203,225.80	Nov-26-02	8.375%	VA - 80.00%	Paid Off - 360	May-01-02
1003199 1			146,690.00	146,199.60	Nov-06-02	9.000%	VA - 90.00%	Paid Off - 360	Apr-29-02
1784272 1			320,000.00	319,768.39	Nov-29-02	7.625%	CO - 80.00%	Paid Off - 360	Aug-29-02
1811136 1			395,000.00	389,839.92	Nov-18-02	7.250%	MA - 70.92%	Paid Off - 360	Jun-29-01
1742593 2			212,000.00	211,808.35	Nov-12-02	6.500%	MA - 86.89%	Paid Off - 360	Sep-26-02
1841792 2			432,000.00	431,197.63	Nov-26-02	6.375%	CA - 66.46%	Paid Off - 360	Oct-17-01
1848780 2			406,900.00	406,541.00	Nov-25-02	6.625%	CA - 73.31%	Paid Off - 360	Sep-17-02
1878305 2			590,000.00	588,732.65	Nov-26-02	6.625%	NJ - 74.68%	Paid Off - 360	Nov-19-01


					Page 22 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Realized Loss Report for December 26, 2002 Distribution


	Realized Loss Report - Collateral


COLLATERAL REALIZED LOSSES						GROUP II	GROUP I	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 losses may include adjustments to loans liquidated in prior periods.

SPACE INTENTIONALLY LEFT BLANK


	Group I						3 Months Moving Average
	Group II

Collateral Loss Severity Approximation by Groups					Collateral Loss Severity Approximation


				Page 23 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Realized Loss Report for December 26, 2002 Distribution


	Realized Loss Report - Collateral


DEFAULT SPEEDS						GROUP II	GROUP I	TOTAL

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

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

	SDA					0.00%	0.00%	0.00%
	3 Months Avg SDA Approximation					0.00%	0.00%	0.00%
	12 Months Avg SDA Approximation
	Avg SDA Since Cut-off Approximation					0.00%	0.00%	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 I
	Group II
CDR by Groups					Total CDR


SDA by Groups					Total SDA


				Page 24 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Realized Loss Report for December 26, 2002 Distribution


	Realized Loss Report - Collateral

	Group I
	Group II

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 25 of 27				© COPYRIGHT 2002 Deutsche Bank


	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Realized Loss Detail Report for December 26, 2002 Distribution


	Realized Loss Detail Report - Loans Liquidated During Current Distribution


SUMMARY						LOAN GROUP

Total Loan Count = 0						Loan Group 1 = Group I Group
Total Original Principal Balance = 0.00						Loan Group 2 = Group II Group
Total Prior Principal Balance = 0.00
Total Realized Loss Amount = 0.00
Total Net Liquidation Proceeds = 0.00


Loan Number			Original	Prior		Current	State &
&		Loan	Principal	Principal	Realized	Note	LTV at	Original	Origination
Loan Group		Status	Balance	Balance	Loss/(Gain)	Rate	Origination	Term	Date
SPACE INTENTIONALLY LEFT BLANK


					Page 26 of 27				© COPYRIGHT 2002 Deutsche Bank
	IndyMac Residential Asset Securitization Trust 2002-A12
	Mortgage Pass-Through Certificates

	Triggers, Adj. Rate Cert. and Miscellaneous Report for December 26, 2002 Distribution


	Triggers, Adj. Rate Cert. and Miscellaneous Report


TRIGGER EVENTS						GROUP II	GROUP I	TOTAL

	Senior Credit Depletion Date					No	No	No


ADJUSTABLE RATE CERTIFICATE INFORMATION						GROUP II	GROUP I	TOTAL
SPACE INTENTIONALLY LEFT BLANK


ADDITIONAL INFORMATION						GROUP II	GROUP I	TOTAL

	Senior Percentage					94.000000%	96.000000%
	Subordinate Percentage					4.000000%	4.000000%
	Senior Prepayment Percentage					100.000000%	100.000000%
	Subordinate Prepayment Percentage					0.000000%	0.000000%

	Current Special Hazard Loss Coverage Amount							0.00
	Current Fraud Loss Coverage Amount							0.00
	Current Bankruptcy Loss Coverage Amount							100,000.00


				Page 27 of 27				© COPYRIGHT 2002 Deutsche Bank

INDYMAC MBS INC RESIDENTIAL ASSET SEC TRUST 2002-A12 8-K/A