8-K 1 irw0500a_10506.txt 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 27, 2005 IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-A Home Equity Loan-Backed Notes, Series 2005-A Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-113636-23 Pooling and Servicing Agreement) (Commission N/A (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (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 under the Exchange Act (17 CFR 240.14a-12) [ ] 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 On June 27, 2005 a distribution was made to holders of IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-A, Home Equity Loan-Backed Notes, Series 2005-A Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan-Backed Notes, Series 2005-A Trust, relating to the June 27, 2005 distribution. 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. IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-A Home Equity Loan-Backed Notes, Series 2005-A Trust (Registrant) By: Wells Fargo Bank, N.A. as Indenture Trustee By: /s/ Beth Belfield as Officer By: Beth Belfield as Officer Date: 6/29/2005 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan-Backed Notes, Series 2005-A Trust, relating to the June 27, 2005 distribution. EX-99.1

Delinquency Status By Groups

Irwin Whole Loan Home Equity Trust 2005-A Master Servicer Certificate Payment Date: June 25, 2005 Loss Summary HLTV HEL Total Current Liquidation Losses 217,850.25 0.00 217,850.25 Total 217,850.25 0.00 217,850.25 Current Subsequent Recoveries 0.00 0.00 0.00 Total 0.00 0.00 0.00 Current Net Liquidation Loss Amount 0.00 0.00 0.00 Total 0.00 0.00 0.00 12 Month Liquidation Loss Amount 217,850.25 0.00 217,850.25 Total 217,850.25 0.00 217,850.25 12 Month Subsequent Recoveries 0.00 0.00 0.00 Total 0.00 0.00 0.00 12 Month Net Liquidation Loss Amount 217,850.25 0.00 217,850.25 Total 217,850.25 0.00 217,850.25 Aggregate Liquidation Loss Amount 217,850.25 0.00 217,850.25 Total 217,850.25 0.00 217,850.25 Aggregate Subsequent Recoveries 0.00 0.00 0.00 Total 0.00 0.00 0.00 Net Aggregate Liquidation Loss Amount 217,850.25 0.00 217,850.25 Total 217,850.25 0.00 217,850.25 Overcollateralization Summary Total Beginning Overcollateralization Amount 9,353,074.52 Overcollateralization Increase Amount 1,043,674.36 Overcollateralization Release Amount 0.00 Ending Overcollateralization Amount 10,396,748.88 Cumulative Liquidation Loss Percentage 0.06% Loss Test Targets: Collection Periods 37 to 48 9.0000% Collection Periods 49 to 60 11.7500% Collection Periods 61 to 72 13.2500% Collection Periods 73+ 13.9000% Loss Test Satisfied? Yes Senior Enhancement Percentage 23.3502% Delinquency Test Satisfied? Yes Overcollateralization Targets Total Initial Target (% of Initial Principal Balance) 16,101,760.56 Step-down Target (% of Current Balance) 9.00% Step-down Date 02/25/2008 Rapid Amortization Event: No Servicing Default: No

Irwin Whole Loan Home Equity Trust 2005-A 8-K