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): ~~July~~August 25, 2005 (Date of earliest event reported) Indymac MBS Inc (as Depositor under the Pooling and Servicing Agreement, dated as March 1, 2005, providing for the issuance of Residential Asset Securitization Trust Series 2005-A4 Mortgage Pass-Through Certificates, Series 2005-D) (Exact name of registrant as specified in charter) DELAWARE (State or Other Jurisdiction of Incorporation) 333-119384-18 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 ~~July~~August 25, 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: ~~Jul~~Aug 2726, 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 ~~July~~August 25, 2005.

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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)

UBS Investment Bank

Total Number of Pages

Dates

Contacts

Cut-Off Date:

March 01, 2005

Jennifer Hermansader

Close Date:

March 30, 2005

Administrator

First Distribution Date:

April 25, 2005

(714) 247-6258

Jennifer.Vandyne@db.com

Address:

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

Distribution Date:

~~July~~August 25, 2005

Factor Information:

(800) 735-7777

Record Date:

~~June~~July 3029, 2005

Main Phone Number:

(714) 247-6000

July 22, 2005

August 24, 2005

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

Page 1 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 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

191,578,000.00

~~186~~184,~~136~~335,~~491~~177.3781

~~583~~600,~~907~~625.0745

14,~~801~~969,~~313~~610.5654

25,~~385~~570,~~220~~235.6399

0.00

~~184~~179,~~335~~365,~~177~~567.8127

A-2

SR/NTL

0.00

~~269~~244,~~218~~244.5111

0.00

~~269~~244,~~218~~244.5111

0.00

A-X

SR/NTL

0.00

35,~~723~~281.0099

0.00

35,~~723~~281.0099

0.00

A-R

SR/RES

100.00

0.00

0.0100

0.00

0.0100

0.00

B-1

SUB

4,040,000.00

4,~~029~~025,~~322~~736.2919

18,~~467~~451.7329

3,~~586~~576.1045

22,~~053~~027.8374

0.00

4,~~025~~022,~~736~~159.1974

B-2

SUB

1,819,000.00

1,~~814~~812,~~192~~577.3976

8,~~315~~307.0565

1,~~614~~610.6329

9,~~929~~917.6894

0.00

1,~~812~~810,~~577~~967.7647

B-3

SUB

1,010,000.00

1,~~007~~006,~~330~~434.5604

4,~~616~~612.9382

~~896~~894.5211

5,~~513~~506.4593

0.00

1,~~006~~005,~~434~~539.0493

B-4

SUB/NOF

1,010,000.00

1,~~007~~006,~~330~~434.5604

4,~~616~~612.9382

~~896~~894.5211

5,~~513~~506.4593

0.00

1,~~006~~005,~~434~~539.0493

B-5

SUB/NOF

707,000.00

~~705~~704,~~131~~503.4083

3,~~231~~228.8598

~~627~~625.5788

3,~~859~~854.4286

0.00

~~704~~703,~~503~~877.8395

B-6

SUB/NOF

505,304.00

503,~~968~~519.5198

2,~~309~~307.8680

~~448~~447.5332

2,~~758~~755.3912

0.00

503,~~519~~072.9866

SR/NOF

100.00

05,941.0050

0.00

05,941.0050

0.00

100.00

1,344,824.00

1,~~305~~303,~~484~~402.6559

0.00

215,~~082~~790.0694

0.00

1,~~303~~287,~~402~~611.5965

Total

202,014,328.00

~~196~~194,~~509~~697,~~351~~886.7324

~~930~~927,~~406~~614.9441

14,~~811~~993,~~465~~449.4964

25,~~741~~921,~~872~~064.4305

0.00

~~194~~189,~~697~~704,~~886~~436.2460

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

0607/25/05

0708/24/05

F-30/360

45660LHD4

191,578,000.00

~~971~~962.~~596380~~193873

3.~~047882~~135148

925.~~402507~~940403

1229.~~450389~~075551

~~962~~936.~~193873~~253470

A-2

0607/25/05

0708/24/05

F-30/360

45660LHE2

191,578,000.00

~~971~~962.~~596380~~193873

1.~~405268~~274907

0.000000

1.~~405268~~274907

~~962~~936.~~193873~~253470

A-X

0607/01/05

0607/30/05

F-30/360

45660LHG7

135,826,941.98

~~971~~960.~~646387~~606560

0.~~263004~~259757

0.000000

0.~~263004~~259757

~~960~~929.~~606560~~615755

A-R

0607/01/05

0607/30/05

F-30/360

45660LHH5

100.00

0.000000

0.~~100000~~000000

0.000000

0.~~100000~~000000

0.000000

B-1

0607/01/05

0607/30/05

F-30/360

45660LHJ1

4,040,000.00

~~997~~996.~~357002~~469354

4.~~571220~~567151

0.~~887649~~885260

5.~~458869~~452411

~~996~~995.~~469354~~584094

B-2

0607/01/05

0607/30/05

F-30/360

45660LHK8

1,819,000.00

~~997~~996.~~357004~~469357

4.~~571220~~567152

0.~~887647~~885261

5.~~458868~~452413

~~996~~995.~~469357~~584096

B-3

0607/01/05

0607/30/05

F-30/360

45660LHL6

1,010,000.00

~~997~~996.~~356990~~469347

4.~~571218~~567149

0.~~887644~~885257

5.~~458861~~452406

~~996~~995.~~469347~~584089

B-4

0607/01/05

0607/30/05

F-30/360

45660LHN2

1,010,000.00

~~997~~996.~~356990~~469347

4.~~571218~~567149

0.~~887644~~885257

5.~~458861~~452406

~~996~~995.~~469347~~584089

B-5

0607/01/05

0607/30/05

F-30/360

45660LHP7

707,000.00

~~997~~996.~~357001~~469349

4.~~571216~~567157

0.~~887652~~885262

5.~~458868~~452419

~~996~~995.~~469349~~584088

B-6

0607/01/05

0607/30/05

F-30/360

45660LHQ5

505,304.00

~~997~~996.~~357056~~469412

4.~~571228~~567152

0.~~887644~~885249

5.~~458872~~452401

~~996~~995.~~469412~~584163

0607/01/05

0607/30/05

F-30/360

45660LHM4

100.00

1,000.000000

059,415.000000

0.000000

059,415.000000

1,000.000000

0607/01/05

0607/30/05

F-30/360

45660LHF9

1,344,824.00

~~970~~969.~~747585~~199382

0.000000

111.~~548203~~742012

~~969~~957.~~199382~~457370

Page 2 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 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

191,578,000.00

2,~~217~~817,~~273~~899.8025

611,~~574~~380,~~164~~012.4648

~~668~~832,~~657~~420.7325

712,~~242~~212,~~822~~432.1973

915,~~460~~030,~~095~~331.9998

0.00

~~184~~179,~~335~~365,~~177~~567.8127

A-2

0.00

1,~~250~~494,~~360~~604.5566

0.00

1,~~250~~494,~~360~~604.5566

0.00

A-X

0.00

~~145~~180,~~247~~529.1716

0.00

~~145~~180,~~247~~529.1716

0.00

A-R

100.00

0.50

0.00

100.00

100.50

0.00

B-1

4,040,000.00

7392,~~968~~420.7706

0.00

1417,~~263~~840.8126

88110,~~232~~260.5832

0.00

4,~~025~~022,~~736~~159.1974

B-2

1,819,000.00

3341,~~304~~611.2590

0.00

68,~~422~~032.2453

3949,~~726~~644.4943

0.00

1,~~812~~810,~~577~~967.7647

B-3

1,010,000.00

1823,~~492~~105.1901

0.00

34,~~565~~460.9607

2227,~~058~~565.1508

0.00

1,~~006~~005,~~434~~539.0493

B-4

1,010,000.00

1823,~~492~~105.1901

0.00

34,~~565~~460.9607

2227,~~058~~565.1508

0.00

1,~~006~~005,~~434~~539.0493

B-5

707,000.00

1216,~~944~~173.5351

0.00

23,~~496~~122.1705

1519,~~440~~295.7056

0.00

~~704~~703,~~503~~877.8395

B-6

505,304.00

911,~~251~~559.6747

0.00

12,~~784~~231.0234

1113,~~035~~790.6981

0.00

503,~~519~~072.9866

100.00

713,~~735~~676.1767

0.00

713,~~735~~676.1767

0.00

100.00

1,344,824.00

0.00

3550,~~728~~110.7185

57,~~692~~101.7050

4157,~~421~~212.4135

0.00

1,~~303~~287,~~402~~611.5965

Total

202,014,328.00

34,~~787~~714,~~070~~685.7920

611,~~609~~430,~~893~~123.1733

~~706~~879,~~548~~768.5907

712,~~316~~309,~~441~~891.7640

1117,~~103~~024,~~512~~576.5560

0.00

~~194~~189,~~697~~704,~~886~~436.2460

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.~~76438~~91000%

~~186~~184,~~136~~335,~~491~~177.3781

~~583~~600,~~907~~625.0745

0.00

~~583~~600,~~907~~625.0745

0.00

A-2

1.~~73562~~59000%

~~186~~184,~~136~~335,~~491~~177.3781

~~269~~244,~~218~~244.5111

0.00

~~269~~244,~~218~~244.5111

0.00

A-X

0.~~32481~~32449%

~~131~~130,~~975~~476,~~757~~251.3950

35,~~723~~281.0099

0.00

35,~~723~~281.0099

0.00

A-R

0.00000%

0.00

0.0100

0.00

B-1

5.50000%

4,~~029~~025,~~322~~736.2919

18,~~467~~451.7329

0.00

18,~~467~~451.7329

0.00

B-2

5.50000%

1,~~814~~812,~~192~~577.3976

8,~~315~~307.0565

0.00

8,~~315~~307.0565

0.00

B-3

5.50000%

1,~~007~~006,~~330~~434.5604

4,~~616~~612.9382

0.00

4,~~616~~612.9382

0.00

B-4

5.50000%

1,~~007~~006,~~330~~434.5604

4,~~616~~612.9382

0.00

4,~~616~~612.9382

0.00

B-5

5.50000%

~~705~~704,~~131~~503.4083

3,~~231~~228.8598

0.00

3,~~231~~228.8598

0.00

B-6

5.50000%

503,~~968~~519.5198

2,~~309~~307.8680

0.00

2,~~309~~307.8680

0.00

071,298.00000%

100.00

0.00

05,941.0050

0.00

0.00000%

1,~~305~~303,~~484~~402.6559

0.00

Total

~~514~~509,~~621~~509,~~600~~315.4955

~~930~~921,~~406~~672.9391

0.00

~~930~~921,~~406~~672.9391

~~930~~927,~~406~~614.9441

0.00

Page 3 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

Collection Account Report

SUMMARY

Total

Principal Collections

14,~~811~~993,~~465~~449.4964

Principal Withrawals

0.00

Principal Other Accounts

0.00

TOTAL NET PRINCIPAL

14,~~811~~993,~~465~~449.4964

Interest Collections

~~943~~934,~~861~~683.0272

Interest Withdrawals

-0.00

Interest Other Accounts

05,941.0050

Interest Fees

-13,~~454~~010.0881

TOTAL NET INTEREST

~~930~~927,~~406~~614.9441

TOTAL AVAILABLE FUNDS FOR DISTRIBUTION

25,~~741~~921,~~872~~064.4305

PRINCIPAL - COLLECTIONS

Total

Scheduled Principal Received

~~175~~173,~~147~~219.7648

Curtailments

22375,~~963~~241.03

Prepayments In Full

14,~~613~~444,~~354~~989.7013

Repurchased/Substitutions

0.00

Liquidations

0.00

Insurance Principal

0.00

Other Additional Principal

0.00

Delinquent Principal

-~~131~~134,~~968~~945.2826

Realized Losses

-0.00

Advanced Principal

~~131~~134,~~968~~945.2826

TOTAL PRINCIPAL COLLECTED

14,~~811~~993,~~465~~449.4964

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-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

INTEREST - COLLECTIONS

Total

Scheduled Interest

~~980~~971,~~894~~680.1800

Repurchased/Substitution Interest

0.00

Liquidation Interest

0.00

Insurance Interest

0.00

Other Additional Interest

0.00

Prepayment Interest Shortfalls

-13,~~200~~054.1282

Delinquent Interest

-~~746~~745,~~329~~258.8751

Compensating Interest

13,~~200~~054.1282

Civil Relief Act Shortfalls

-0.00

Interest Advanced

~~709~~708,~~296~~262.7122

TOTAL INTEREST COLLECTED

~~943~~934,~~861~~683.0272

INTEREST - WITHDRAWALS

Total

TOTAL INTEREST WITHDRAWALS

0.00

INTEREST - OTHER ACCOUNTS

Total

Prepayment Charges

05,941.0050

Payments Received from CAP Contract

0.00

TOTAL INTEREST OTHER ACCOUNTS

05,941.0050

INTEREST - FEES

Total

Current Servicing Fees

11,~~583~~155.8083

Trustee Fees

1,~~637~~622.5848

TOTAL INTEREST FEES

13,~~454~~010.0881

Page 5 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

Credit Enhancement Report

ACCOUNTS

SPACE INTENTIONALLY LEFT BLANK

INSURANCE

Total

PMI

232.7050

STRUCTURAL FEATURES

SPACE INTENTIONALLY LEFT BLANK

Page 6 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

Collateral Report

COLLATERAL

Total

Loan Count:

Original

952

Prior

~~931~~924

Prefunding

Scheduled Paid Offs

-0

Full Voluntary Prepayments

-720

Repurchases

-0

Liquidations

-0

Current

~~924~~904

Principal Balance:

Original

202,014,229.00

Prior

~~196~~194,~~509~~697,~~252~~787.7122

Prefunding

0.00

Scheduled Principal

-~~175~~173,~~147~~219.7648

Partial Prepayments

-22375,~~963~~241.03

Full Voluntary Prepayments

-14,~~613~~444,~~354~~989.7013

Repurchases

-0.00

Liquidations

-0.00

Current

~~194~~189,~~697~~704,~~787~~337.2258

PREFUNDING

SPACE INTENTIONALLY LEFT BLANK

Page 7 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

CHARACTERISTICS

Total

Weighted Average Coupon Original

5.99027%

Weighted Average Coupon Prior

5.~~98941~~98991%

Weighted Average Coupon Current

5.~~98991~~98885%

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

45.5758

Weighted Average Seasoning Current

56.5856

Page 8 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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

11,~~583~~155.8083

Delinquent Servicing Fees

3736,~~033~~996.1629

TOTAL SERVICING FEES

48,~~616~~152.9612

Total Servicing Fees

48,~~616~~152.9612

Compensating Interest

-13,~~200~~054.1282

Delinquent Servicing Fees

-3736,~~033~~996.1629

COLLECTED SERVICING FEES

108,~~383~~101.6901

Total Advaced Interest

~~709~~708,~~296~~262.7122

Total Advaced Principal

~~131~~134,~~968~~945.2826

Aggregate Advances with respect to this Distribution

~~841~~843,~~264~~207.9948

ADDITIONAL COLLATERAL INFORMATION

Total

Prepayment Interest Shortfall (PPIS)

13,~~200~~054.1282

Compensating Interest

-13,~~200~~054.1282

Net Prepayment Interest Shortfall (PPIS)

0.00

Weighted Average Net Mortgage Rate

5.~~681607~~680637%

LIBOR for the Current Period

3.~~314380~~460000%

LIBOR for the Next Period

0.000000%

Page 9 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

Delinquency Report

TOTAL

< 1 PAYMENT

1 PAYMENT

2 PAYMENTS

3+ PAYMENTS

TOTAL

DELINQUENT

Balance

32,~~410~~809,~~371~~272.7805

0404,141.0047

~~497~~159,~~734~~355.1668

3,~~908~~372,~~105~~769.9420

% Balance

1.7548%

0.0021%

0.2608%

21.0178%

# Loans

% # Loans

1.5255%

0.0011%

0.2211%

1.7377%

FORECLOSURE

Balance

0.00

0337,844.0043

% Balance

0.00%

0.0018%

# Loans

% # Loans

0.00%

0.0011%

BANKRUPTCY

Balance

445,~~570~~146.1398

0.00

445,~~570~~146.1398

% Balance

0.23%

0.00%

0.23%

# Loans

% # Loans

0.22%

0.00%

0.22%

REO

Balance

0.00

% Balance

0.00%

# Loans

% # Loans

0.00%

TOTAL

Balance

445,~~570~~146.1398

32,~~410~~809,~~371~~272.7805

0404,141.0047

497,~~734~~200.1611

4,~~353~~155,~~676~~760.0761

% Balance

0.23%

1.7548%

0.0021%

0.26%

2.2419%

# Loans

1819

% # Loans

0.22%

1.5255%

0.0011%

0.22%

12.9510%

Page 10 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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

120823758 1

340,000.00

337,844.43

01-Feb-2005

5.750%

NY - 79.07%

360

01-Mar-2005

TOTAL

340,000.00

337,844.43

Page 12 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

Prepayment Report

VOLUNTARY PREPAYMENTS

Total

Current

Number of Paid in Full Loans

720

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

720

Curtailments Amount

22375,~~963~~241.03

Paid in Full Balance

14,~~613~~444,~~354~~989.7013

Repurchased Loans Balance

0.00

Total Prepayment Amount

14,~~636~~820,~~317~~230.7316

Cumulative

Number of Paid in Full Loans

2848

Number of Repurchased Loans

Total Number of Loans Prepaid in Full

2848

Paid in Full Balance

610,~~500~~945,~~948~~937.1023

Repurchased Loans Balance

0.00

Curtailments Amount

~~109~~484,~~045~~286.0912

Total Prepayment Amount

611,~~609~~430,~~993~~223.1935

Page 13 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

VOLUNTARY PREPAYMENTS RATES

Total

SMM

02.8348%

3 Months Avg SMM

01.9546%

12 Months Avg SMM

01.8316%

Avg SMM Since Cut-off

01.8316%

CPR

926.5600%

3 Months Avg CPR

1016.8219%

12 Months Avg CPR

913.5209%

Avg CPR Since Cut-off

913.5209%

PSA

~~856~~1,980.4082%

3 Months Avg PSA Approximation

1,~~182~~452.6082%

12 Months Avg PSA Approximation

1,~~167~~430.9783%

Avg PSA Since Cut-off Approximation

1,~~167~~430.9783%

Page 14 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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

120380906 1

246,700.00

245,545.31

14-Jul-2005

6.375%

VA - 89.98%

Paid Off - 360

01-Feb-2005

3792935 1

109,155.00

108,123.88

20-Jul-2005

7.375%

MO - 95.00%

Paid Off - 360

01-Aug-2004

120383450 1

122,900.00

122,889.27

05-Jul-2005

6.000%

IL - 79.29%

Paid Off - 360

01-Feb-2005

120280452 1

187,600.00

186,303.93

03-Aug-2005

6.125%

NC - 80.00%

Paid Off - 360

01-Jan-2005

120686517 1

263,000.00

262,017.83

24-Jun-2005

6.375%

HI - 52.60%

Paid Off - 360

01-Mar-2005

120328951 1

256,319.00

254,835.94

12-Aug-2005

6.250%

CA - 80.00%

Paid Off - 360

01-Apr-2005

120960610 1

335,000.00

333,994.45

17-Jun-2005

6.000%

NY - 53.60%

Paid Off - 360

01-Apr-2005

120372446 1

282,150.00

281,873.40

19-Jul-2005

6.875%

MD - 95.00%

Paid Off - 360

01-Nov-2004

121001030 1

272,000.00

271,221.71

30-Jun-2005

6.250%

MA - 48.57%

Paid Off - 360

01-Apr-2005

120373426 1

288,000.00

284,765.75

18-Jul-2005

6.125%

MA - 80.00%

Paid Off - 360

01-Nov-2004

121005042 1

239,000.00

238,247.81

28-Jun-2005

5.750%

CT - 72.42%

Paid Off - 360

01-Apr-2005

120377474 1

261,250.00

260,440.60

12-Aug-2005

7.250%

MD - 95.00%

Paid Off - 360

01-Dec-2004

121054230 1

140,000.00

139,438.32

07-Jul-2005

6.000%

CA - 70.00%

Paid Off - 360

01-Mar-2005

120380390 1

285,000.00

283,235.11

27-Jul-2005

5.875%

AZ - 54.81%

Paid Off - 360

01-Feb-2005

TOTAL

1,618,600.00

1,613,354.70

120381431 1

191,369.00

191,055.45

10-Aug-2005

5.875%

CA - 80.00%

Paid Off - 360

01-Feb-2005

120381534 1

114,800.00

114,153.51

25-Jul-2005

6.375%

CA - 80.00%

Paid Off - 360

01-Feb-2005

120381596 1

220,000.00

02-Aug-2005

7.125%

CA - 80.00%

Paid Off - 360

01-Feb-2005

120381660 1

450,000.00

449,999.99

10-Aug-2005

6.125%

CA - 65.00%

Paid Off - 360

01-Feb-2005

120381680 1

233,000.00

09-Aug-2005

6.375%

WA - 80.00%

Paid Off - 360

01-Feb-2005

120382478 1

215,300.00

213,881.70

21-Jul-2005

6.375%

IL - 87.88%

Paid Off - 360

01-Jan-2005

120383989 1

110,023.00

109,298.21

15-Aug-2005

6.375%

VA - 50.01%

Paid Off - 360

01-Jan-2005

120784680 1

296,000.00

294,476.23

21-Jul-2005

5.875%

CA - 80.00%

Paid Off - 360

01-Mar-2005

120889936 1

252,000.00

250,988.98

27-Jul-2005

6.000%

IL - 72.00%

Paid Off - 360

01-Apr-2005

120912635 1

191,500.00

190,466.74

04-Aug-2005

5.625%

TN - 70.15%

Paid Off - 360

01-Mar-2005

120914787 1

150,000.00

149,369.05

29-Jul-2005

5.750%

CA - 39.47%

Paid Off - 360

01-Apr-2005

120924769 1

168,750.00

167,839.49

19-Jul-2005

5.625%

AZ - 75.00%

Paid Off - 360

01-Mar-2005

120997585 1

201,750.00

200,881.17

08-Aug-2005

5.625%

CA - 35.71%

Paid Off - 360

01-Apr-2005

TOTAL

4,463,966.00

4,444,989.13

Page 16 of 22

IndyMac Residential Asset Securitization Trust 2005-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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

1,~~965~~946,~~092~~977.5387

Fraud Loss Coverage Amt

2,522,545.60

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-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 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-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 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.~~354969~~315683%

Next Senior Percentage

95.~~315683~~196203%

Current Subordinate Percentage

4.~~645031~~684317%

Next Subordinate Percentage

4.~~684317~~803797%

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-A4

Mortgage Pass-Through Certificates

2005-A4

July 25, 2005 Distribution

August 25, 2005 Distribution

Other Related Information

ADDITIONAL INFORMATION

Total

Current Scheduled Payments

1,~~156~~144,~~041~~899.9449

Current Scheduled Payments 1 Month Prior

1,~~168~~156,~~295~~041.4494

Current Scheduled Payments 2 Month Prior

1,~~179~~168,~~181~~295.8444

Current Scheduled Payments 3 Month Prior

1,~~187~~179,~~328~~181.3684

Current Scheduled Payments 4 Month Prior

01,187,328.0036

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

58,~~783~~186.3950

Delinq. 60+ Sched. Pmnts, 1 Month Prior

45,~~208~~783.5039

Delinq. 60+ Sched. Pmnts, 2 Month Prior

14,~~984~~208.1550

Delinq. 60+ Sched. Pmnts, 3 Month Prior

01,984.0015

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

0.450000%

Next Period Pass Through Rate - Class A-2

1.~~735620~~590000%

Payments Received from CAP Contract

0.00

CAP Contract Strike Rate:5.05%

Page 22 of 22

Filing Compare · IndyMac RAST 2005-A4