UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant To Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): ~~May~~June 2527, 2005 (Date of earliest event reported) Indymac MBS Inc (as Depositor under the Pooling and Servicing Agreement, dated as January 1, 2005, providing for the issuance of Residential Asset Securitization Trust Series 2005-A2 Mortgage Pass-Through Certificates, Series 2005-B) (Exact name of registrant as specified in charter) DELAWARE (State or Other Jurisdiction of Incorporation) 333-119384-11 95-4791925 (Commission File Number) (I.R.S. Employer Identification No.) 155 NORTH LAKE AVENUE PASADENA, CALIFORNIA 91101 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, Including Area Code: (800) 669-2300 (Former name or former address, if changed since last report.) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b)) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Item 8.01 Other Events Attached hereto is a copy of the Monthly Remittance Statements to the Certificateholders which was derived from the monthly information submitted by the Master Servicer of the Trust to the Trustee. Item 9.01 Financial Statements and Exhibits (c) Exhibits: Exhibit No. Description 99.1 Monthly Remittance Statement to the Certificateholders dated as of ~~May~~June 2527, 2005. Signatures Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. Deutsche Bank National Trust Company, in its capacity as Trustee under the Pooling and Servicing Agreement on behalf of Indymac MBS Inc, Registrant Date: Jun 0230, 2005 By: /s/ Katherine M. Wannenmacher Katherine M. Wannenmacher Vice President EXHIBIT INDEX DOCUMENT 99.1 Monthly Remittance Statement to the Certificateholders dated as of ~~May~~June 2527, 2005.

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

External Parties

Table of Contents

Page

Seller

1. Certificate Payment Report

IndyMac Bank

2. Collection Account Report

3. Credit Enhancement Report

4. Collateral Report

Certificate Insurer(s)

5. Delinquency Report

6. REO Report

7. Foreclosure Report

8. Prepayment Report

9. Prepayment Detail Report

10. Realized Loss Report

11. Realized Loss Detail Report

Servicer(s)

12. Triggers and Adj. Cert. Report

IndyMac Bank

13. Other Related Information

Underwriter(s)

Deutsche Bank Securities

Total Number of Pages

Dates

Contacts

Cut-Off Date:

January 01, 2005

Jennifer Hermansader

Close Date:

January 28, 2005

Administrator

First Distribution Date:

February 25, 2005

(714) 247-6258

Jennifer.Vandyne@db.com

Address:

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

Distribution Date:

~~May~~June 2527, 2005

Factor Information:

(800) 735-7777

Record Date:

~~April~~May 2931, 2005

Main Phone Number:

(714) 247-6000

May 24, 2005

June 24, 2005

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

Page 1 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Certificate Payment Report

Current Period Distribution - MASTER REMIC

Prior

Current

Class

Original

Principal

Total

Realized

Deferred

Principal

Class

Type

Cur

Face Value

Balance

Interest

Principal

Distribution

Loss

Interest

Balance

(1)

(2)

(3)

(4)=(2)+(3)

(5)

(6)

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

A-1

106,893,600.00

~~103~~102,~~844~~896,~~693~~809.3602

~~304~~307,~~611~~832.1095

~~947~~1,713,884.3411

12,~~252~~021,~~495~~717.4406

0.00

~~102~~101,~~896~~182,~~809~~924.0291

A-2

157,000,000.00

~~152~~151,~~521~~129,~~917~~712.6429

~~441~~445,~~042~~832.5565

12,~~392~~517,~~205~~267.3569

12,~~833~~963,~~247~~100.9034

0.00

~~151~~148,~~129~~612,~~712~~444.2960

A-3

0.00

~~171~~163,~~343~~777.7442

0.00

~~171~~163,~~343~~777.7442

0.00

A-4

0.00

~~258~~246,~~016~~845.2420

0.00

~~258~~246,~~016~~845.2420

0.00

463,351.00

~~459~~452,~~653~~623.8696

0.00

~~7,029~~518.9050

0.00

452,~~623~~105.9646

A-X

0.00

6766,~~470~~990.1204

0.00

6766,~~470~~990.1204

0.00

A-R

100.00

0.00

B-1

5,536,000.00

5,~~515~~510,~~813~~780.9071

25,~~280~~257.8174

510,~~033~~980.1989

3036,~~314~~238.0063

0.00

5,~~510~~499,~~780~~799.7182

B-2

2,491,000.00

2,~~481~~479,~~916~~652.9823

11,~~375~~365.4507

24,~~264~~941.7500

1316,~~640~~306.2007

0.00

2,~~479~~474,~~652~~711.23

B-3

1,384,000.00

1,~~378~~377,~~953~~695.4717

6,~~320~~314.2044

12,~~258~~745.3022

79,~~578~~059.5066

0.00

1,~~377~~374,~~695~~949.1795

B-4

1,384,000.00

1,~~378~~377,~~953~~695.4717

6,~~320~~314.2044

12,~~258~~745.3022

79,~~578~~059.5066

0.00

1,~~377~~374,~~695~~949.1795

B-5

692,000.00

~~689~~688,~~476~~847.7358

3,~~160~~157.1022

~~629~~1,372.1561

34,~~789~~529.2583

0.00

~~688~~687,~~847~~474.5897

B-6

969,716.98

~~966~~965,~~181~~299.0642

4,~~428~~424.3329

~~881~~1,923.6447

56,~~309~~347.9776

0.00

~~965~~963,~~299~~276.4275

100.00

129,~~115~~571.9938

0.00

129,~~115~~571.9938

0.00

100.00

Total

276,813,867.98

~~269~~266,~~237~~879,~~660~~215.4755

1,~~311~~297,~~484~~682.8384

24,~~358~~256,~~444~~378.9271

35,~~669~~554,~~929~~061.7555

0.00

~~266~~262,~~879~~622,~~215~~737.5564

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

0405/01/05

0405/30/05

A-30/360

45660LDR7

106,893,600.00

~~971~~962.~~477183~~609633

2.~~849666~~879807

816.~~867550~~033552

1118.~~717216~~913359

~~962~~946.~~609633~~576080

A-2

0405/01/05

0405/30/05

A-30/360

45660LDS5

157,000,000.00

~~971~~962.~~477182~~609632

2.~~809188~~839698

816.~~867550~~033552

1118.~~676738~~873251

~~962~~946.~~609632~~576080

A-3

0405/01/05

0405/30/05

A-30/360

45660LDX4

106,893,600.00

~~971~~962.~~477183~~609633

1.~~602937~~532154

0.000000

1.~~602937~~532154

~~962~~946.~~609633~~576080

A-4

0405/01/05

0405/30/05

A-30/360

45660LDY2

157,000,000.00

~~971~~962.~~477182~~609632

1.~~643416~~572262

0.000000

1.~~643416~~572262

~~962~~946.~~609632~~576080

0405/01/05

0405/30/05

F-30/360

45660LED7

463,351.00

~~992~~976.~~020865~~848998

0.000000

151.~~171868~~119022

~~976~~975.~~848998~~729976

A-X

0405/01/05

0405/30/05

A-30/360

45660LEC9

246,337,299.00

~~970~~962.~~484977~~958723

0.~~273893~~271944

0.000000

0.~~273893~~271944

~~962~~945.~~958723~~832079

A-R

0405/01/05

0405/30/05

A-30/360

45660LDT3

100.00

0.000000

B-1

0405/01/05

0405/30/05

F-30/360

45660LDU0

5,536,000.00

~~996~~995.~~353667~~444492

4.~~566620~~562453

01.~~909174~~983542

56.~~475795~~545995

~~995~~993.~~444492~~460950

B-2

0405/01/05

0405/30/05

F-30/360

45660LDV8

2,491,000.00

~~996~~995.~~353665~~444492

4.~~566620~~562453

01.~~909173~~983541

56.~~475793~~545994

~~995~~993.~~444492~~460951

B-3

0405/01/05

0405/30/05

F-30/360

45660LDW6

1,384,000.00

~~996~~995.~~353663~~444487

4.~~566618~~562457

01.~~909176~~983540

56.~~475795~~545997

~~995~~993.~~444487~~460947

B-4

0405/01/05

0405/30/05

F-30/360

45660LDZ9

1,384,000.00

~~996~~995.~~353663~~444487

4.~~566618~~562457

01.~~909176~~983540

56.~~475795~~545997

~~995~~993.~~444487~~460947

B-5

0405/01/05

0405/30/05

F-30/360

45660LEA3

692,000.00

~~996~~995.~~353656~~444480

4.~~566618~~562457

01.~~909176~~983540

56.~~475795~~545997

~~995~~993.~~444480~~460939

B-6

0405/01/05

0405/30/05

F-30/360

45660LEB1

969,716.98

~~996~~995.~~353658~~444485

4.~~566621~~562455

01.~~909172~~983538

56.~~475794~~545992

~~995~~993.~~444485~~358650

0405/01/05

0405/30/05

A-30/360

100.00

1,000.000000

~~121~~95,~~159~~713.~~900000~~800000

0.000000

~~121~~95,~~159~~713.~~900000~~800000

1,000.000000

Page 2 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Distribution to Date - MASTER REMIC

Current

Original

Unscheduled

Scheduled

Total

Realized

Deferred

Principal

Class

Face Value

Interest

Principal

Distribution

Loss

Interest

Balance

(1)

(2)

(3)

(4)

(5)=(3)+(4)

(6)=(2)+(5)

(7)

(8)

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

A-1

106,893,600.00

1,~~143~~451,~~844~~677.8883

35,~~513~~022,~~280~~130.4644

~~483~~688,~~510~~544.5265

35,~~996~~710,~~790~~675.9809

57,~~140~~162,~~635~~352.8692

0.00

~~102~~101,~~896~~182,~~809~~924.0291

A-2

157,000,000.00

12,~~654~~100,~~198~~031.8550

57,~~160~~376,~~131~~255.5027

~~710~~1,~~156~~011,300.2012

58,~~870~~387,~~287~~555.7140

710,~~524~~487,~~486~~586.5690

0.00

~~151~~148,~~129~~612,~~712~~444.2960

A-3

0.00

~~790~~953,~~177~~955.8426

0.00

~~790~~953,~~177~~955.8426

0.00

A-4

0.00

1,~~186~~433,~~397~~242.4969

0.00

1,~~186~~433,~~397~~242.4969

0.00

463,351.00

0.00

8,670.04

2,~~057~~575.0050

1011,~~727~~245.0454

0.00

452,~~623~~105.9646

A-X

0.00

~~274~~341,~~687~~677.5963

0.00

~~274~~341,~~687~~677.5963

0.00

A-R

100.00

0.49

74.75

25.25

100.00

100.49

0.00

B-1

5,536,000.00

~~101~~126,~~284~~542.3206

0.01

2536,~~219~~200.2817

2536,~~219~~200.2918

~~126~~162,~~503~~742.6124

0.00

5,~~510~~499,~~780~~799.7182

B-2

2,491,000.00

4556,~~574~~939.2835

0.00

1116,~~347~~288.77

5673,~~922~~228.0512

0.00

2,~~479~~474,~~652~~711.23

B-3

1,384,000.00

2531,~~321~~635.0852

0.00

69,~~304~~050.8305

3140,~~625~~685.9157

0.00

1,~~377~~374,~~695~~949.1795

B-4

1,384,000.00

2531,~~321~~635.0852

0.00

69,~~304~~050.8305

3140,~~625~~685.9157

0.00

1,~~377~~374,~~695~~949.1795

B-5

692,000.00

1215,~~660~~817.5476

0.00

34,~~152~~525.4203

1520,~~812~~342.9679

0.00

~~688~~687,~~847~~474.5897

B-6

969,716.98

1722,~~741~~165.5483

0.00

46,~~417~~341.5603

2228,~~159~~506.1086

0.00

~~965~~963,~~299~~276.4275

100.00

1929,~~981~~552.4179

0.00

1929,~~981~~552.4179

0.00

100.00

Total

276,813,867.98

56,~~297~~594,~~191~~874.3923

812,~~682~~407,~~156~~130.7651

1,~~252~~783,~~495~~900.6662

914,~~934~~191,~~652~~031.4314

1520,~~231~~785,~~843~~905.8237

0.00

~~266~~262,~~879~~622,~~215~~737.5564

Interest Detail - MASTER REMIC

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

Adjustment

Interest

(1)

(2)

(3)

(4)

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

(6)

(7)=(5)-(6)

A-1

3.~~52000~~59000%

~~103~~102,~~844~~896,~~693~~809.3602

~~304~~307,~~611~~832.1095

0.00

~~304~~307,~~611~~832.1095

0.00

A-2

3.~~47000~~54000%

~~152~~151,~~521~~129,~~917~~712.6429

~~441~~445,~~042~~832.5565

0.00

~~441~~445,~~042~~832.5565

0.00

A-3

1.~~98000~~91000%

~~103~~102,~~844~~896,~~693~~809.3602

~~171~~163,~~343~~777.7442

0.00

~~171~~163,~~343~~777.7442

0.00

A-4

21.~~03000~~96000%

~~152~~151,~~521~~129,~~917~~712.6429

~~258~~246,~~016~~845.2420

0.00

~~258~~246,~~016~~845.2420

0.00

0.00000%

~~459~~452,~~653~~623.8696

0.00

A-X

0.~~33860~~33889%

~~239~~237,~~066~~212,~~647~~650.8699

6766,~~456~~990.8703

0.00

6766,~~456~~990.8703

6766,~~470~~990.1204

0.00

A-R

0.00000%

0.00

B-1

5.50000%

5,~~515~~510,~~813~~780.9071

25,~~280~~257.8174

0.00

25,~~280~~257.8174

0.00

B-2

5.50000%

2,~~481~~479,~~916~~652.9823

11,~~375~~365.4507

0.00

11,~~375~~365.4507

0.00

B-3

5.50000%

1,~~378~~377,~~953~~695.4717

6,~~320~~314.2044

0.00

6,~~320~~314.2044

0.00

B-4

5.50000%

1,~~378~~377,~~953~~695.4717

6,~~320~~314.2044

0.00

6,~~320~~314.2044

0.00

B-5

5.50000%

~~689~~688,~~476~~847.7358

3,~~160~~157.1022

0.00

3,~~160~~157.1022

0.00

B-6

5.50000%

~~966~~965,~~181~~299.0642

4,~~428~~424.3329

0.00

4,~~428~~424.3329

0.00

0.00000%

100.00

0.00

129,~~115~~571.9938

0.00

Total

~~764~~758,~~670~~118,~~919~~387.3385

1,~~299~~288,~~355~~111.5945

0.00

1,~~299~~288,~~355~~111.5945

1,~~311~~297,~~484~~682.8384

0.00

Page 3 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Collection Account Report

SUMMARY

Total

Principal Collections

24,~~358~~256,~~444~~378.9272

Principal Withrawals

0.00

Principal Other Accounts

0.00

TOTAL NET PRINCIPAL

24,~~358~~256,~~444~~378.9272

Interest Collections

1,~~319~~306,~~878~~014.3581

Interest Withdrawals

-0.00

Interest Other Accounts

129,~~115~~571.9938

Interest Fees

-2017,~~509~~678.5165

TOTAL NET INTEREST

1,~~311~~297,~~484~~907.8354

TOTAL AVAILABLE FUNDS FOR DISTRIBUTION

35,~~669~~554,~~929~~286.7526

PRINCIPAL - COLLECTIONS

Total

Scheduled Principal Received

~~245~~246,~~766~~154.6479

Curtailments

4830,~~629~~748.9559

Prepayments In Full

23,~~064~~694,~~048~~221.3313

Repurchased/Substitutions

0285,254.0021

Liquidations

0.00

Insurance Principal

0.00

Other Additional Principal

0.00

Delinquent Principal

-~~182~~193,~~829~~647.1157

Realized Losses

-0.00

Advanced Principal

~~182~~193,~~829~~647.1157

TOTAL PRINCIPAL COLLECTED

24,~~358~~256,~~444~~378.9272

PRINCIPAL - WITHDRAWALS

SPACE INTENTIONALLY LEFT BLANK

PRINCIPAL - OTHER ACCOUNTS

Total

TOTAL PRINCIPAL OTHER ACCOUNTS

0.00

Page 4 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

INTEREST - COLLECTIONS

Total

Scheduled Interest

1,~~371~~358,~~874~~125.1390

Repurchased/Substitution Interest

01,858.0023

Liquidation Interest

0.00

Insurance Interest

0.00

Other Additional Interest

0.00

Prepayment Interest Shortfalls

-~~651~~2,325.7814

Delinquent Interest

-1,~~018~~056,~~778~~964.9793

Compensating Interest

~~651~~2,325.7814

Civil Relief Act Shortfalls

-0.00

Interest Advanced

~~966~~1,~~783~~002,995.1861

TOTAL INTEREST COLLECTED

1,~~319~~306,~~878~~014.3581

INTEREST - WITHDRAWALS

Total

TOTAL INTEREST WITHDRAWALS

0.00

INTEREST - OTHER ACCOUNTS

Total

Prepayment Charges

129,~~115~~571.9938

TOTAL INTEREST OTHER ACCOUNTS

129,~~115~~571.9938

INTEREST - FEES

Total

Current Servicing Fees

1815,~~040~~454.9366

Trustee Fees

2,~~243~~223.6499

PMI Fees

224.9471

TOTAL INTEREST FEES

2017,~~509~~678.5165

Page 5 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Credit Enhancement Report

ACCOUNTS

SPACE INTENTIONALLY LEFT BLANK

INSURANCE

SPACE INTENTIONALLY LEFT BLANK

STRUCTURAL FEATURES

SPACE INTENTIONALLY LEFT BLANK

Page 6 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Collateral Report

COLLATERAL

Total

Loan Count:

Original

1,430

Prior

1,~~399~~388

Prefunding

Scheduled Paid Offs

-0

Full Voluntary Prepayments

-1119

Repurchases

-02

Liquidations

-0

Current

1,~~388~~367

Principal Balance:

Original

276,813,768.78

Prior

~~269~~266,~~237~~879,~~561~~116.2836

Prefunding

0.00

Scheduled Principal

-~~245~~246,~~766~~154.6479

Partial Prepayments

-4830,~~629~~748.9559

Full Voluntary Prepayments

-23,~~064~~694,~~048~~221.3313

Repurchases

-0285,254.0021

Liquidations

-0.00

Current

~~266~~262,~~879~~622,~~116~~737.3664

PREFUNDING

SPACE INTENTIONALLY LEFT BLANK

Page 7 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

CHARACTERISTICS

Total

Weighted Average Coupon Original

6.11678%

Weighted Average Coupon Prior

6.~~11474~~11443%

Weighted Average Coupon Current

6.~~11443~~11506%

Weighted Average Months to Maturity Original

356

Weighted Average Months to Maturity Prior

~~354~~353

Weighted Average Months to Maturity Current

~~353~~352

Weighted Avg Remaining Amortization Term Original

356

Weighted Avg Remaining Amortization Term Prior

~~354~~353

Weighted Avg Remaining Amortization Term Current

~~353~~352

Weighted Average Seasoning Original

2.57

Weighted Average Seasoning Prior

45.58

Weighted Average Seasoning Current

56.5857

Page 8 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

ARM CHARACTERISTICS

Total

Weighted Average Margin Original

0.00000%

Weighted Average Margin Prior

0.00000%

Weighted Average Margin Current

0.00000%

Weighted Average Max Rate Original

0.00000%

Weighted Average Max Rate Prior

0.00000%

Weighted Average Max Rate Current

0.00000%

Weighted Average Min Rate Original

0.00000%

Weighted Average Min Rate Prior

0.00000%

Weighted Average Min Rate Current

0.00000%

Weighted Average Cap Up Original

0.00000%

Weighted Average Cap Up Prior

0.00000%

Weighted Average Cap Up Current

0.00000%

Weighted Average Cap Down Original

0.00000%

Weighted Average Cap Down Prior

0.00000%

Weighted Average Cap Down Current

0.00000%

SERVICING FEES & ADVANCES

Total

Current Servicing Fees

1815,~~040~~454.9366

Delinquent Servicing Fees

5153,~~995~~969.7932

TOTAL SERVICING FEES

7069,~~023~~423.4698

Total Servicing Fees

7069,~~023~~423.4698

Compensating Interest

-~~651~~2,325.7814

Delinquent Servicing Fees

-5153,~~995~~969.7932

COLLECTED SERVICING FEES

1713,~~375~~129.8953

Total Advaced Interest

~~966~~1,~~783~~002,995.1861

Total Advaced Principal

~~182~~193,~~829~~647.1157

Aggregate Advances with respect to this Distribution

1,~~149~~196,~~612~~643.2918

ADDITIONAL COLLATERAL INFORMATION

Total

Prepayment Interest Shortfall (PPIS)

~~651~~2,325.7814

Compensating Interest

-~~651~~2,325.7814

Net Prepayment Interest Shortfall (PPIS)

0.00

Weighted Average Net Mortgage Rate

5.~~791326~~791887%

LIBOR for the Current Period

3.~~020000~~090000%

LIBOR for the Next Period

3.~~090000~~300000%

Page 9 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Delinquency Report

TOTAL

< 1 PAYMENT

1 PAYMENT

2 PAYMENTS

3+ PAYMENTS

TOTAL

DELINQUENT

Balance

56,~~187~~818,~~211~~811.9735

~~285,525~~0.2500

~~290~~479,~~685~~007.1453

57,~~763~~297,~~422~~818.3688

% Balance

12.9460%

0.1100%

0.1118%

2.1678%

# Loans

2631

3034

% # Loans

12.8727%

0.1400%

0.1422%

2.1649%

FORECLOSURE

Balance

0.00

% Balance

0.00%

# Loans

% # Loans

0.00%

BANKRUPTCY

Balance

0.00

% Balance

0.00%

# Loans

% # Loans

0.00%

REO

Balance

0.00

% Balance

0.00%

# Loans

% # Loans

0.00%

TOTAL

Balance

0.00

56,~~187~~818,~~211~~811.9735

~~285,525~~0.2500

~~290~~479,~~685~~007.1453

57,~~763~~297,~~422~~818.3688

% Balance

0.00%

12.9460%

0.1100%

0.1118%

2.1678%

# Loans

2631

3034

% # Loans

0.00%

12.8727%

0.1400%

0.1422%

2.1649%

Page 10 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

REO Report

Loan Number

Original

Stated

Current

State &

First

Principal

Paid to

Note

LTV at

Original

Payment

Loan Group

Balance

Date

Rate

Origination

Term

Date

TOTAL

Page 11 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Foreclosure Report

Loan Number

Original

Stated

Current

State &

First

Principal

Paid to

Note

LTV at

Original

Payment

Loan Group

Balance

Date

Rate

Origination

Term

Date

TOTAL

Page 12 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Prepayment Report

VOLUNTARY PREPAYMENTS

Total

Current

Number of Paid in Full Loans

1119

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

Curtailments Amount

48,629.95

Paid in Full Balance

2,064,048.33

Repurchased Loans Balance

0.00

Total Prepayment Amount

2,112,678.28

Cumulative

Number of Paid in Full Loans

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

4221

Paid in Full Balance

8,514,502.07

Curtailments Amount

30,748.59

Repurchased Loans Balance

259,243.51

Paid in Full Balance

3,694,221.13

Curtailments Amount

167,551.16

Repurchased Loans Balance

285,254.21

Total Prepayment Amount

84,~~941~~010,~~296~~223.7493

Cumulative

Number of Paid in Full Loans

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

Paid in Full Balance

12,208,723.20

Repurchased Loans Balance

544,497.72

Curtailments Amount

198,299.75

Total Prepayment Amount

12,951,520.67

Page 13 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES

Total

SMM

01.7950%

3 Months Avg SMM

01.8912%

12 Months Avg SMM

0.8296%

Avg SMM Since Cut-off

0.8296%

CPR

916.0363%

3 Months Avg CPR

1012.1465%

12 Months Avg CPR

910.4090%

Avg CPR Since Cut-off

910.4090%

PSA

~~809~~1,266.5512%

3 Months Avg PSA Approximation

1,~~107~~135.1707%

12 Months Avg PSA Approximation

1,~~153~~190.0681%

Avg PSA Since Cut-off Approximation

1,~~153~~190.0781%

Page 14 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

PREPAYMENT CALCULATION METHODOLOGY

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

Page 15 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Prepayment Detail Report

Prepayment Detail Report - Mortgage Loans Prepaid in Full During Current Distribution

Loan Number

Original

Current

State &

Type Prepayment

First

Loan

Principal

Prepayment

Note

LTV at

Payment

Loan Group

Status

Balance

Amount

Date

Rate

Origination

Original Term

Date

120372035 1

204,000.00

198,069.68

29-Apr-2005

5.750%

MA - 49.16%

Paid Off - 180

01-Sep-2004

120372032 1

245,000.00

242,551.54

09-Jun-2005

6.625%

MA - 65.33%

Paid Off - 360

01-Jul-2004

120372074 1

231,000.00

229,698.35

27-Apr-2005

6.375%

MA - 67.54%

Paid Off - 360

01-Nov-2004

120373430 1

107,000.00

106,278.10

18-May-2005

6.250%

CA - 47.14%

Paid Off - 360

01-Nov-2004

120373320 1

200,000.00

199,979.43

25-Apr-2005

6.125%

NY - 80.00%

Paid Off - 360

01-Nov-2004

120374801 1

112,000.00

15-Jun-2005

6.750%

CA - 80.00%

Paid Off - 360

01-Nov-2004

120374742 1

108,000.00

107,469.76

02-May-2005

6.125%

CA - 80.00%

Paid Off - 360

01-Dec-2004

120374948 1

216,000.00

214,724.18

09-Jun-2005

6.125%

IL - 90.00%

Paid Off - 360

01-Dec-2004

120375907 1

63,500.00

63,124.87

21-Apr-2005

6.125%

MI - 55.22%

Paid Off - 360

01-Nov-2004

120375277 1

136,000.00

135,060.43

02-Jun-2005

6.125%

NH - 55.51%

Paid Off - 360

01-Nov-2004

120377046 1

288,800.00

12-May-2005

6.000%

CA - 74.05%

Paid Off - 360

01-Dec-2004

120375339 1

279,000.00

277,312.53

26-May-2005

6.000%

MA - 53.65%

Paid Off - 360

01-Dec-2004

120586748 1

203,387.00

202,554.07

09-May-2005

6.000%

IA - 79.14%

Paid Off - 360

01-Jan-2005

120377008 1

325,000.00

324,596.99

26-May-2005

6.000%

CA - 55.08%

Paid Off - 360

01-Dec-2004

120634743 1

249,600.00

248,622.15

03-May-2005

6.125%

FL - 71.31%

Paid Off - 360

01-Jan-2005

120377107 1

333,700.00

331,633.53

27-May-2005

5.875%

CA - 77.60%

Paid Off - 360

01-Dec-2004

120667612 1

250,000.00

248,549.63

03-May-2005

5.625%

CA - 62.50%

Paid Off - 360

01-Dec-2004

120377150 1

191,000.00

189,817.18

15-Jun-2005

5.875%

IL - 84.89%

Paid Off - 360

01-Dec-2004

120692226 1

157,000.00

156,229.19

27-Apr-2005

6.125%

CA - 48.31%

Paid Off - 360

01-Dec-2004

120377699 1

118,500.00

117,931.09

07-Jun-2005

6.250%

NJ - 75.00%

Paid Off - 360

01-Jan-2005

120764093 1

121,290.00

120,951.20

29-Apr-2005

6.375%

WA - 78.25%

Paid Off - 360

01-Feb-2005

120378202 1

121,600.00

121,003.03

20-May-2005

6.125%

AZ - 80.00%

Paid Off - 360

01-Jan-2005

TOTAL

2,076,577.00

2,064,048.33

120499227 1

216,000.00

214,939.53

03-Jun-2005

6.125%

CA - 67.50%

Paid Off - 360

01-Jan-2005

120593855 1

165,600.00

164,745.68

23-May-2005

6.000%

OR - 80.00%

Paid Off - 360

01-Jan-2005

120635636 1

121,000.00

120,485.89

07-Jun-2005

6.875%

AZ - 63.68%

Paid Off - 360

01-Jan-2005

120667582 1

95,000.00

94,411.63

23-May-2005

5.875%

CA - 63.55%

Paid Off - 360

01-Dec-2004

120692288 1

163,100.00

162,153.47

18-May-2005

6.250%

MA - 64.72%

Paid Off - 360

01-Dec-2004

120713863 1

300,000.00

297,568.57

01-Jun-2005

6.000%

NV - 65.79%

Paid Off - 360

01-Oct-2004

120718618 1

151,000.00

149,589.18

23-May-2005

6.000%

CA - 33.93%

Paid Off - 360

01-Feb-2005

120794170 1

318,728.00

317,418.58

24-May-2005

5.875%

DE - 73.27%

Paid Off - 360

01-Feb-2005

3961617 1

127,050.00

126,122.32

01-Jan-1900

8.375%

NJ - 94.99%

Repur/Subs - 360

01-Oct-2004

120376404 1

160,000.00

159,131.89

01-Jan-1900

7.375%

NY - 80.00%

Repur/Subs - 360

01-Nov-2004

TOTAL

4,002,278.00

3,979,475.34

Page 16 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Realized Loss Report

COLLATERAL REALIZED LOSSES

Total

Current

Number of Loans Liquidated

Collateral Principal Realized Loss/(Gain) Amount

0.00

Collateral Interest Realized Loss/(Gain) Amount

0.00

Net Liquidation Proceeds

0.00

Cumulative

Number of Loans Liquidated

Collateral Realized Loss/(Gain) Amount

0.00

Net Liquidation Proceeds

0.00

Special Hazard Loss Coverage Amt

2,~~692~~668,~~375~~791.6116

Fraud Loss Coverage Amt

2,537,377.00

Bankrupt Loss Coverage Amt

100,000.00

Class B-1 Writedown Amount

0.00

Class B-2 Writedown Amount

0.00

Class B-3 Writedown Amount

0.00

Class B-4 Writedown Amount

0.00

Class B-5 Writedown Amount

0.00

Class B-6 Writedown Amount

0.00

Page 17 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

DEFAULT SPEEDS

Total

MDR

0.00%

3 Months Avg MDR

0.00%

12 Months Avg MDR

0.00%

Avg MDR Since Cut-off

0.00%

CDR

0.00%

3 Months Avg CDR

0.00%

12 Months Avg CDR

0.00%

Avg CDR Since Cut-off

0.00%

SDA

0.00%

3 Months Avg SDA Approximation

0.00%

12 Months Avg SDA Approximation

0.00%

Avg SDA Since Cut-off Approximation

0.00%

Loss Severity Approximation for Current Period

0.00%

3 Months Avg Loss Severity Approximation

0.00%

12 Months Avg Loss Severity Approximation

0.00%

Avg Loss Severity Approximation Since Cut-off

0.00%

Page 18 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

COLLATERAL REALIZED LOSS CALCULATION METHODOLOGY

Monthly Default Rate (MDR): (Beg Principal Balance of Liquidated Loans)/(Total Beg Principal Balance)

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

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

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

Average CDR over period between the nth month and mth month (AvgCDRn,m): 1-((1-AvgMDRn,m)^12)

Average SDA Approximation over period between the nth month and mth month:

AvgCDRn,m/IF(Avg WASn,m<61,MIN(30,Avg WASn,m)*0.02,MAX(0.03,MIN(30,Avg WASn,m)*0.02-0.0095*(Avg WASn,m-60)))

Average WASn,m: (WASn + WASn+1 +...+ WASm )/(number of months in the period n,m)

Loss Severity Approximation for current period: sum(Realized Loss Amount)/sum(Beg Principal Balance of Liquidated Loans)

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

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

Dates correspond to distribution dates.

Page 19 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Realized Loss Detail Report

Loan Number

Current

State &

Prior

Realized

Cumulative

Loan

Note

LTV at

Original

Principal

Loss/(Gain)

Realized

Loan Group

Status

Rate

Origination

Term

Balance

Revision

Loss/(Gain)

TOTAL

Page 20 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Triggers and Adj. Cert. Report

TRIGGER EVENTS

Total

Has Optional Termination Date Reached (0=No,1=Yes)

Has Sr. Prepay Stepdown Condition Occurred

Has Sr. Credit Supp. Depletion Date Occured

Have all Prepayment Penalties Expired? (0=No,1=Yes)

Has Special Haz. Cov. Term Date Occured

Has Fraud Loss Coverage Term Date Occured

Has BK Loss Cov. Term Date Occured (0=No,1=Yes)

ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK

ADDITIONAL INFORMATION

Total

Current Senior Percentage

95.~~382323~~345819%

Next Senior Percentage

95.~~345819~~279728%

Current Subordinate Percentage

4.~~617677~~654181%

Next Subordinate Percentage

4.~~654181~~720272%

Senior Prepayment Percentage

100.000000%

Next Senior Prepayment Percentage

100.000000%

Subordinate Prepayment Percentage

0.000000%

Next Subordinate Prepayment Percentage

0.000000%

Page 21 of 22

IndyMac Residential Asset Securitization Trust 2005-A2

Mortgage Pass-Through Certificates

2005-A2

May 25, 2005 Distribution

June 27, 2005 Distribution

Other Related Information

ADDITIONAL INFORMATION

Total

Current Scheduled Payments

1,~~617~~604,~~640~~280.7769

Current Scheduled Payments 1 Month Prior

1,~~634~~617,~~333~~640.7077

Current Scheduled Payments 2 Month Prior

1,~~648~~634,~~509~~333.5270

Current Scheduled Payments 3 Month Prior

1,~~662~~648,~~882~~509.3152

Current Scheduled Payments 4 Month Prior

01,662,882.0031

Current Scheduled Payments 5 Month Prior

0.00

Current Scheduled Payments 6 Month Prior

0.00

Current Scheduled Payments 7 Month Prior

0.00

Current Scheduled Payments 8 Month Prior

0.00

Current Scheduled Payments 9 Month Prior

0.00

Current Scheduled Payments 10 Month Prior

0.00

Current Scheduled Payments 11 Month Prior

0.00

Delinquent 60+ Scheduled Payments

32,~~647~~995.0937

Delinq. 60+ Sched. Pmnts, 1 Month Prior

43,~~282~~647.6709

Delinq. 60+ Sched. Pmnts, 2 Month Prior

54,~~256~~282.7467

Delinq. 60+ Sched. Pmnts, 3 Month Prior

05,256.0074

Delinq. 60+ Sched. Pmnts, 4 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 5 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 6 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 7 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 8 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 9 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 10 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 11 Month Prior

0.00

Variable Rate Certificates - Next PTR Details:

Next Period Pass Through Rate - Class A-1

3.~~590000~~800000%

Next Period Pass Through Rate - Class A-2

3.~~540000~~750000%

Next Period Pass Through Rate - Class A-3

1.~~910000~~700000%

Next Period Pass Through Rate - Class A-4

1.~~960000~~750000%

Next Period Pass Through Rate - Class A-X

0.~~384230~~444610%

Page 22 of 22

Filing Compare · IndyMac Residential Asset Securitization Trust 2005-A2