UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant To Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): ~~June~~July 2725, 2005 (Date of earliest event reported) Indymac MBS, Inc. (as Depositor under the Pooling and Servicing Agreement, dated as May 1, 2005, providing for the issuance of Residential Asset Securitization Trust Series 2005-A7 Mortgage Pass-Through Certificates, Series 2005-G) (Exact name of registrant as specified in charter) DELAWARE (State or Other Jurisdiction of Incorporation) 333-119384-25 95-4791925 (Commission File Number) (I.R.S. Employer Identification No.) 155 NORTH LAKE AVENUE PASADENA, CALIFORNIA 91101 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, Including Area Code: (800) 669-2300 (Former name or former address, if changed since last report.) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b)) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Item 8.01 Other Events Attached hereto is a copy of the Monthly Remittance Statements to the Certificateholders which was derived from the monthly information submitted by the Master Servicer of the Trust to the Trustee. Item 9.01 Financial Statements and Exhibits (c) Exhibits: Exhibit No. Description 99.1 Monthly Remittance Statement to the Certificateholders dated as of ~~June~~July 2725, 2005. Signatures Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. Deutsche Bank National Trust Company, in its capacity as Trustee under the Pooling and Servicing Agreement on behalf of Indymac MBS, Inc., Registrant Date: ~~Jun~~Jul 3027, 2005 By: /s/ Katherine M. Wannenmacher Katherine M. Wannenmacher Vice President EXHIBIT INDEX DOCUMENT 99.1 Monthly Remittance Statement to the Certificateholders dated as of ~~June~~July 2725, 2005.

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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)

Lehman Brothers

Morgan Stanley

UBS Investment Bank

Total Number of Pages

Dates

Contacts

Cut-Off Date:

May 01, 2005

Jennifer Hermansader

Close Date:

May 27, 2005

Administrator

First Distribution Date:

June 27, 2005

(714) 247-6258

Jennifer.Vandyne@db.com

Address:

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

Distribution Date:

~~June~~July 2725, 2005

Factor Information:

(800) 735-7777

Record Date:

~~May~~June 3130, 2005

Main Phone Number:

(714) 247-6000

June 24, 2005

July 22, 2005

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

Page 1 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

Certificate Payment Report

Current Period Distribution -

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

25,000,000.00

2524,~~000~~771,~~000~~337.0082

6773,~~708~~578.3372

~~228~~486,~~662~~898.1850

~~296~~560,~~370~~477.5122

0.00

24,~~771~~284,~~337~~439.8232

A-2

SR/NTL

25,000,000.00

0.00

8881,~~541~~242.6714

0.00

8881,~~541~~242.6714

0.00

A-3

102,518,000.00

~~102~~101,~~518~~580,~~000~~320.0044

~~469~~465,~~874~~576.1747

~~937~~1,~~679~~996,634.5643

12,~~407~~462,~~553~~210.7390

0.00

~~101~~99,~~580~~583,~~320~~686.4401

A-4

100,000,000.00

~~100~~99,~~000~~085,~~000~~351.0029

~~416~~412,~~666~~855.6763

~~914~~1,~~648~~947,594.7102

12,~~331~~360,~~315~~449.3865

0.00

9997,~~085~~137,~~351~~757.2927

A-5

5,338,000.00

24,465.83

0.00

24,465.83

0.00

5,338,000.00

A-6

27,204,000.00

124,685.00

0.00

124,685.00

0.00

27,204,000.00

A-7

1,282,000.00

5,875.83

0.00

5,875.83

0.00

1,282,000.00

1,166,752.00

1,~~166~~142,~~752~~685.0096

0.00

2411,~~066~~376.0463

0.00

1,~~142~~131,~~685~~309.9633

A-X

SR/NTL

211,747,508.00

0.00

77,~~523~~348.4063

0.00

77,~~523~~348.4063

0.00

A-R

SR/RES

100.00

~~100~~0.00

0.4600

~~100~~0.00

~~100~~0.4600

0.00

B-1

SUB

6,184,000.00

6,~~184~~178,~~000~~857.0081

28,~~343~~319.3376

518,~~142~~036.1904

3346,~~485~~355.5280

0.00

6,~~178~~160,~~857~~821.8177

B-2

SUB

2,061,000.00

2,~~061~~059,~~000~~286.0021

9,~~446~~438.2540

16,~~713~~011.7904

1115,~~160~~449.0444

0.00

2,~~059~~053,~~286~~275.2117

B-3

SUB

1,374,000.00

1,~~374~~372,~~000~~857.0048

6,~~297~~292.5026

14,~~142~~007.5236

710,~~440~~299.0262

0.00

1,~~372~~368,~~857~~850.4812

B-4

SUB/NOF

1,099,000.00

1,~~099~~098,~~000~~086.0015

5,~~037~~032.0889

~~913~~3,205.8531

58,~~950~~238.9320

0.00

1,~~098~~094,~~086~~880.1584

B-5

SUB/NOF

1,099,000.00

1,~~099~~098,~~000~~086.0015

5,~~037~~032.0889

~~913~~3,205.8531

58,~~950~~238.9320

0.00

1,~~098~~094,~~086~~880.1584

B-6

SUB/NOF

552,863.00

552,~~863~~403.0028

2,~~533~~531.9685

~~459~~1,612.7246

24,~~993~~144.6831

0.00

~~552~~550,~~403~~790.2882

NOF

100.00

0.00

100.00

Total

511,626,323.00

~~274~~272,~~878~~763,~~815~~372.0059

1,~~332~~322,~~036~~276.5630

24,~~115~~478,~~442~~581.4110

35,~~447~~800,~~478~~857.9740

0.00

~~272~~268,~~763~~284,~~372~~791.5949

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

0506/25/05

0607/24/05

A-30/360

45660LNN5

25,000,000.00

~~1,000~~990.~~000000~~853513

2.~~708333~~943149

919.~~146487~~475940

1122.~~854820~~419089

~~990~~971.~~853513~~377573

A-2

0506/25/05

0607/24/05

A-30/360

45660LNP0

25,000,000.00

~~1,000~~990.~~000000~~853513

3.~~541667~~249686

0.000000

3.~~541667~~249686

~~990~~971.~~853513~~377573

A-3

0506/01/05

0506/30/05

F-30/360

45660LNQ8

102,518,000.00

~~1,000~~990.~~000000~~853513

4.~~583333~~541412

919.~~146487~~475940

1324.~~729820~~017352

~~990~~971.~~853513~~377573

A-4

0506/01/05

0506/30/05

F-30/360

45660LNR6

100,000,000.00

~~1,000~~990.~~000000~~853513

4.~~166667~~128556

919.~~146487~~475940

1323.~~313154~~604497

~~990~~971.~~853513~~377573

A-5

0506/01/05

0506/30/05

F-30/360

45660LNS4

5,338,000.00

1,000.000000

4.583333

0.000000

4.583333

1,000.000000

A-6

0506/01/05

0506/30/05

F-30/360

45660LNT2

27,204,000.00

1,000.000000

4.583333

0.000000

4.583333

1,000.000000

A-7

0506/01/05

0506/30/05

F-30/360

45660LNU9

1,282,000.00

1,000.000000

4.583331

0.000000

4.583331

1,000.000000

0506/01/05

0506/30/05

A-30/360

45660LNV7

1,166,752.00

~~1,000~~979.~~000000~~373474

0.000000

209.~~626526~~750684

~~979~~969.~~373474~~622790

A-X

0506/01/05

0506/30/05

A-30/360

45660LNW5

211,747,508.00

~~1,000~~992.~~000000~~553512

0.~~366112~~365287

0.000000

0.~~366112~~365287

~~992~~973.~~553512~~627345

A-R

0506/01/05

0506/30/05

F-30/360

45660LNX3

100.00

~~1,000~~0.000000

40.~~600000~~000000

~~1,000~~0.000000

~~1,004~~0.~~600000~~000000

0.000000

B-1

0506/01/05

0506/30/05

F-30/360

45660LNY1

6,184,000.00

~~1,000~~999.~~000000~~168469

4.~~583333~~579521

02.~~831531~~916565

57.~~414864~~496087

~~999~~996.~~168469~~251903

B-2

0506/01/05

0506/30/05

F-30/360

45660LNZ8

2,061,000.00

~~1,000~~999.~~000000~~168467

4.~~583333~~579525

02.~~831533~~916565

57.~~414867~~496089

~~999~~996.~~168467~~251902

B-3

0506/01/05

0506/30/05

F-30/360

45660LPA1

1,374,000.00

~~1,000~~999.~~000000~~168472

4.~~583333~~579520

02.~~831528~~916565

57.~~414862~~496084

~~999~~996.~~168472~~251907

B-4

0506/01/05

0506/30/05

F-30/360

45660LPY9

1,099,000.00

~~1,000~~999.~~000000~~168471

4.~~583330~~579518

02.~~831529~~916570

57.~~414859~~496087

~~999~~996.~~168471~~251902

B-5

0506/01/05

0506/30/05

F-30/360

45660LPZ6

1,099,000.00

~~1,000~~999.~~000000~~168471

4.~~583330~~579518

02.~~831529~~916570

57.~~414859~~496087

~~999~~996.~~168471~~251902

B-6

0506/01/05

0506/30/05

F-30/360

45660LQA0

552,863.00

~~1,000~~999.~~000000~~168474

4.~~583342~~579525

02.~~831526~~916563

57.~~414868~~496089

~~999~~996.~~168474~~251911

0506/01/05

0506/30/05

A-30/360

45660LPX1

100.00

1,000.000000

0.000000

1,000.000000

Page 2 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

Distribution to Date -

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

25,000,000.00

67141,~~708~~287.3305

~~204~~608,~~784~~526.5382

23107,~~877~~033.6586

~~228~~715,~~662~~560.1868

~~296~~856,~~370~~847.5173

0.00

24,~~771~~284,~~337~~439.8232

A-2

25,000,000.00

88169,~~541~~783.6781

0.00

88169,~~541~~783.6781

0.00

A-3

102,518,000.00

~~469~~935,~~874~~450.1764

~~839~~2,~~764~~495,398.0008

97438,915.5691

~~937~~2,~~679~~934,313.5699

13,~~407~~869,~~553~~764.7363

0.00

~~101~~99,~~580~~583,~~320~~686.4401

A-4

100,000,000.00

~~416~~829,~~666~~522.6730

~~819~~2,~~138~~434,107.1127

95428,~~510~~135.6046

~~914~~2,~~648~~862,242.7173

13,~~331~~691,~~315~~765.3803

0.00

9997,~~085~~137,~~351~~757.2927

A-5

5,338,000.00

2448,~~465~~931.8366

0.00

2448,~~465~~931.8366

0.00

5,338,000.00

A-6

27,204,000.00

~~124~~249,~~685~~370.00

0.00

~~124~~249,~~685~~370.00

0.00

27,204,000.00

A-7

1,282,000.00

511,~~875~~751.8366

0.00

511,~~875~~751.8366

0.00

1,282,000.00

1,166,752.00

0.00

2334,~~018~~394.0770

1,047.97

2435,~~066~~442.0467

0.00

1,~~142~~131,~~685~~309.9633

A-X

211,747,508.00

77154,~~523~~872.4003

0.00

77154,~~523~~872.4003

0.00

A-R

100.00

0.4648

89.56

10.44

100.00

100.4648

0.00

B-1

6,184,000.00

2856,~~343~~663.3309

0.00

523,~~142~~178.1923

3379,~~485~~841.5232

0.00

6,~~178~~160,~~857~~821.8177

B-2

2,061,000.00

918,~~446~~884.2565

0.00

17,~~713~~724.7983

1126,~~160~~609.0448

0.00

2,~~059~~053,~~286~~275.2117

B-3

1,374,000.00

612,~~297~~589.5076

0.00

15,~~142~~149.5288

717,~~440~~739.0264

0.00

1,~~372~~368,~~857~~850.4812

B-4

1,099,000.00

510,~~037~~069.0897

0.00

~~913~~4,119.8516

514,~~950~~189.9313

0.00

1,~~098~~094,~~086~~880.1584

B-5

1,099,000.00

510,~~037~~069.0897

0.00

~~913~~4,119.8516

514,~~950~~189.9313

0.00

1,~~098~~094,~~086~~880.1584

B-6

552,863.00

25,~~533~~065.9681

0.00

~~459~~2,072.7218

27,~~993~~137.6899

0.00

~~552~~550,~~403~~790.2882

100.00

0.00

100.00

Total

511,626,323.00

12,~~332~~654,~~036~~312.5688

15,~~886~~572,~~794~~516.2743

~~228~~1,~~648~~021,507.1408

26,~~115~~594,~~442~~023.4151

39,~~447~~248,~~478~~336.9739

0.00

~~272~~268,~~763~~284,~~372~~791.5949

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

Adjustment

Interest

(1)

(2)

(3)

(4)

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

(6)

(7)=(5)-(6)

A-1

3.~~25000~~56438%

2524,~~000~~771,~~000~~337.0082

6773,~~708~~578.3372

0.00

6773,~~708~~578.3372

0.00

A-2

43.~~25000~~93562%

2524,~~000~~771,~~000~~337.0082

8881,~~541~~242.6714

0.00

8881,~~541~~242.6714

0.00

A-3

5.50000%

~~102~~101,~~518~~580,~~000~~320.0044

~~469~~465,~~874~~576.1747

0.00

~~469~~465,~~874~~576.1747

0.00

A-4

5.00000%

~~100~~99,~~000~~085,~~000~~351.0029

~~416~~412,~~666~~855.6763

0.00

~~416~~412,~~666~~855.6763

0.00

A-5

5.50000%

5,338,000.00

24,465.83

0.00

24,465.83

0.00

A-6

5.50000%

27,204,000.00

124,685.00

0.00

124,685.00

0.00

A-7

5.50000%

1,282,000.00

5,875.83

0.00

5,875.83

0.00

0.00000%

1,~~166~~142,~~752~~685.0096

0.00

A-X

0.~~43933~~44163%

~~211~~210,~~747~~170,~~508~~732.0078

77,~~523~~348.4063

0.00

77,~~523~~348.4063

0.00

A-R

50.~~50000~~00000%

~~100~~0.00

0.4600

0.00

0.4600

0.00

B-1

5.50000%

6,~~184~~178,~~000~~857.0081

28,~~343~~319.3376

0.00

28,~~343~~319.3376

0.00

B-2

5.50000%

2,~~061~~059,~~000~~286.0021

9,~~446~~438.2540

0.00

9,~~446~~438.2540

0.00

B-3

5.50000%

1,~~374~~372,~~000~~857.0048

6,~~297~~292.5026

0.00

6,~~297~~292.5026

0.00

B-4

5.50000%

1,~~099~~098,~~000~~086.0015

5,~~037~~032.0889

0.00

5,~~037~~032.0889

0.00

B-5

5.50000%

1,~~099~~098,~~000~~086.0015

5,~~037~~032.0889

0.00

5,~~037~~032.0889

0.00

B-6

5.50000%

552,~~863~~403.0028

2,~~533~~531.9685

0.00

2,~~533~~531.9685

0.00

0.00000%

100.00

0.00

Total

~~511~~507,~~626~~705,~~323~~443.0019

1,~~332~~322,~~036~~276.5630

0.00

1,~~332~~322,~~036~~276.5630

0.00

Page 3 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

Collection Account Report

SUMMARY

Total

Principal Collections

24,~~115~~478,~~442~~581.4210

Principal Withrawals

0.00

Principal Other Accounts

0.00

TOTAL NET PRINCIPAL

24,~~115~~478,~~442~~581.4210

Interest Collections

1,~~346~~340,~~415~~859.9656

Interest Withdrawals

-0.00

Interest Other Accounts

0.00

Interest Fees

-1418,~~379~~583.4124

TOTAL NET INTEREST

1,~~332~~322,~~036~~276.5532

TOTAL AVAILABLE FUNDS FOR DISTRIBUTION

35,~~447~~800,~~478~~857.9742

PRINCIPAL - COLLECTIONS

Total

Scheduled Principal Received

228,~~648~~489.1572

Curtailments

~~542~~22,~~342~~222.5272

Prepayments In Full

13,~~344~~662,~~451~~470.7586

Repurchased/Substitutions

0565,397.0080

Liquidations

0.00

Insurance Principal

0.00

Other Additional Principal

0.00

Delinquent Principal

-~~190~~179,~~055~~317.4410

Realized Losses

-0.00

Advanced Principal

~~190~~179,~~055~~317.4410

TOTAL PRINCIPAL COLLECTED

24,~~115~~478,~~442~~581.4210

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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

INTEREST - COLLECTIONS

Total

Scheduled Interest

1,~~405~~392,~~499~~065.3680

Repurchased/Substitution Interest

03,121.0047

Liquidation Interest

0.00

Insurance Interest

0.00

Other Additional Interest

0.00

Prepayment Interest Shortfalls

-01,518.0025

Delinquent Interest

-1,~~168~~071,~~499~~933.1442

Compensating Interest

01,518.0025

Civil Relief Act Shortfalls

-0.00

Interest Advanced

1,~~109~~017,~~415~~605.7472

TOTAL INTEREST COLLECTED

1,~~346~~340,~~415~~859.9656

INTEREST - WITHDRAWALS

Total

TOTAL INTEREST WITHDRAWALS

0.00

INTEREST - OTHER ACCOUNTS

Total

Prepayment Charges

0.00

TOTAL INTEREST OTHER ACCOUNTS

0.00

INTEREST - FEES

Total

Current Servicing Fees

1216,~~088~~310.7622

Trustee Fees

2,~~290~~273.6502

TOTAL INTEREST FEES

1418,~~379~~583.4124

Page 5 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

Collateral Report

COLLATERAL

Total

Loan Count:

Original

541

Prior

~~541~~538

Prefunding

Scheduled Paid Offs

-0

Full Voluntary Prepayments

-37

Repurchases

-01

Liquidations

-0

Current

~~538~~530

Principal Balance:

Original

274,878,715.72

Prior

~~274~~272,~~878~~763,~~715~~273.7230

Prefunding

0.00

Scheduled Principal

-228,~~648~~489.1572

Partial Prepayments

-~~542~~22,~~342~~222.5272

Full Voluntary Prepayments

-13,~~344~~662,~~451~~470.7586

Repurchases

-0565,397.0080

Liquidations

-0.00

Current

~~272~~268,~~763~~284,~~273~~692.3020

PREFUNDING

SPACE INTENTIONALLY LEFT BLANK

Page 7 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

CHARACTERISTICS

Total

Weighted Average Coupon Original

6.13579%

Weighted Average Coupon Prior

6.13579%

Weighted Average Coupon Current

6.~~13579~~13801%

Weighted Average Months to Maturity Original

355

Weighted Average Months to Maturity Prior

355

Weighted Average Months to Maturity Current

~~355~~354

Weighted Avg Remaining Amortization Term Original

355

Weighted Avg Remaining Amortization Term Prior

355

Weighted Avg Remaining Amortization Term Current

~~355~~354

Weighted Average Seasoning Original

3.83

Weighted Average Seasoning Prior

3.83

Weighted Average Seasoning Current

34.83

Page 8 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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

1216,~~088~~310.7622

Delinquent Servicing Fees

5954,~~083~~327.4070

TOTAL SERVICING FEES

7170,~~172~~637.1591

Total Servicing Fees

7170,~~172~~637.1591

Compensating Interest

-01,518.0025

Delinquent Servicing Fees

-5954,~~083~~327.4070

COLLECTED SERVICING FEES

1214,~~088~~791.7696

Total Advaced Interest

1,~~109~~017,~~415~~605.7472

Total Advaced Principal

~~190~~179,~~055~~317.4410

Aggregate Advances with respect to this Distribution

1,~~299~~196,~~471~~922.1882

ADDITIONAL COLLATERAL INFORMATION

Total

Prepayment Interest Shortfall (PPIS)

01,518.0025

Compensating Interest

-01,518.0025

Net Prepayment Interest Shortfall (PPIS)

0.00

Weighted Average Net Mortgage Rate

5.~~815088~~817248%

Current LIBOR Rate

3.314380%

Next LIBOR Rate

0.000000%

Page 9 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

Delinquency Report

TOTAL

< 1 PAYMENT

1 PAYMENT

2 PAYMENTS

3+ PAYMENTS

TOTAL

DELINQUENT

Balance

2367,~~114,227~~420.7047

02,112,394.0060

0.00

2,~~114~~479,~~227~~815.7007

% Balance

0.7814%

0.0079%

0.00%

0.7892%

# Loans

% # Loans

0.7419%

0.0075%

0.00%

0.7494%

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

2367,~~114,227~~420.7047

02,112,394.0060

0.00

2,~~114~~479,~~227~~815.7007

% Balance

0.00%

0.7814%

0.0079%

0.00%

0.7892%

# Loans

% # Loans

0.00%

0.7419%

0.0075%

0.00%

0.7494%

Page 10 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

Prepayment Report

VOLUNTARY PREPAYMENTS

Total

Current

Number of Paid in Full Loans

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

Curtailments Amount

~~542~~22,~~342~~222.5272

Paid in Full Balance

13,~~344~~662,~~451~~470.7586

Repurchased Loans Balance

0565,397.0080

Total Prepayment Amount

14,~~886~~250,~~794~~091.2738

Cumulative

Number of Paid in Full Loans

310

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

311

Paid in Full Balance

15,~~344~~006,~~451~~922.7561

Repurchased Loans Balance

0565,397.0080

Curtailments Amount

~~542~~564,~~342~~565.5224

Total Prepayment Amount

16,~~886~~136,~~794~~885.2765

Page 13 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES

Total

SMM

01.6956%

3 Months Avg SMM

01.6912%

12 Months Avg SMM

01.6912%

Avg SMM Since Cut-off

01.6912%

CPR

717.9419%

3 Months Avg CPR

712.9469%

12 Months Avg CPR

712.9469%

Avg CPR Since Cut-off

712.9469%

PSA

1,~~036~~779.7583%

3 Months Avg PSA Approximation

1,~~036~~465.7434%

12 Months Avg PSA Approximation

1,~~036~~465.7434%

Avg PSA Since Cut-off Approximation

1,~~036~~465.7434%

Page 14 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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

120390586 1

483,000.00

482,471.33

01-Jun-2005

5.500%

CA - 58.19%

Paid Off - 360

01-May-2005

120387573 1

365,000.00

364,004.68

05-Jul-2005

6.500%

FL - 69.52%

Paid Off - 360

01-Apr-2005

120912745 1

496,000.00

494,986.13

15-Jun-2005

5.875%

OR - 80.00%

Paid Off - 360

01-Apr-2005

120389054 1

637,500.00

634,616.53

20-Jun-2005

7.500%

MI - 75.00%

Paid Off - 360

01-Jan-2005

121282865 1

367,360.00

366,994.29

15-Jun-2005

6.000%

NV - 76.53%

Paid Off - 360

01-May-2005

120389073 1

487,200.00

485,129.87

08-Jul-2005

6.875%

UT - 80.00%

Paid Off - 360

01-Feb-2005

TOTAL

1,346,360.00

1,344,451.75

120389103 1

367,000.00

365,662.09

14-Jul-2005

6.500%

CA - 67.84%

Paid Off - 360

01-Mar-2005

120898872 1

400,000.00

399,201.61

29-Jun-2005

6.000%

NJ - 65.04%

Paid Off - 360

01-May-2005

120987523 1

999,999.00

12-Jul-2005

6.750%

CA - 55.56%

Paid Off - 360

01-Feb-2005

121129013 1

414,300.00

413,857.08

11-Jul-2005

5.625%

NV - 79.99%

Paid Off - 360

01-Jun-2005

121186942 1

566,400.00

565,397.80

01-Jan-1900

6.625%

PA - 80.00%

Repur/Subs - 360

01-May-2005

TOTAL

4,237,399.00

4,227,868.66

Page 16 of 22

IndyMac Residential Asset Securitization Trust 2005-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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,~~757~~727,~~132~~632.0073

Fraud Loss Coverage Amt

2,748,787.00

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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

Triggers and Adj. Cert. Report

TRIGGER EVENTS

Total

Has Optional Termination Date Reached

Has Sr. Prepay Stepdown Condition Occurred

Yes

Has Sr. Credit Supp. Depletion Date Occured

Have all Prepayment Penalties Expired?

Has Special Haz. Cov. Term Date Occured

Has Fraud Loss Coverage Term Date Occured

Has BK Loss Cov. Term Date Occured

ADJUSTABLE RATE CERTIFICATE INFORMATION

SPACE INTENTIONALLY LEFT BLANK

ADDITIONAL INFORMATION

Total

Current Senior Percentage

95.~~480702~~449692%

Next Senior Percentage

94.~~943233~~864125%

Current Subordinate Percentage

4.~~519298~~550308%

Next Subordinate Percentage

5.~~056767~~135875%

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-A7

Mortgage Pass-Through Certificates

2005-A7

June 27, 2005 Distribution

July 25, 2005 Distribution

Other Related Information

ADDITIONAL INFORMATION

Total

Current Scheduled Payments

1,~~634~~620,~~147~~555.5152

Current Scheduled Payments 1 Month Prior

01,634,147.0051

Current Scheduled Payments 2 Month Prior

0.00

Current Scheduled Payments 3 Month Prior

0.00

Current Scheduled Payments 4 Month Prior

0.00

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

014,243.0037

Delinq. 60+ Sched. Pmnts, 1 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 2 Month Prior

0.00

Delinq. 60+ Sched. Pmnts, 3 Month Prior

0.00

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

Page 22 of 22

Filing Compare · IndyMac MBS, Inc. Residential Asset Securitization Trust 2005-A7