8-K 1 irw0500a_8k-200512.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): December 27, 2005 IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-A Home Equity Loan-Backed Notes, Series 2005-A (Exact name of registrant as specified in its charter) New York (governing law of 333-113636-23 N/A Pooling and Servicing Agreement) (Commission IRS EIN (State or other File Number) 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 December 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 December 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: 12/30/2005 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 December 27, 2005 distribution. EX-99.1 IRWIN Whole Loan Home Equity Trust Home Equity Loan-Backed Notes Record Date: 11/30/2005 Distribution Date: 12/27/2005 IRWIN Whole Loan Home Equity Trust Home Equity Loan-Backed Notes Series 2005-A Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 www.ctslink.com Telephone: (301) 815-6600 Fax: (301) 815-6660

IRWIN Whole Loan Home Equity Trust Home Equity Loan-Backed Notes Record Date: 7/29/2005 Distribution Date: 8/25/2005 IRWIN Whole Loan Home Equity Trust Home Equity Loan-Backed Notes Series 2005-A Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 www.ctslink.com Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary ~~Certificate~~Class CUSIP Certificate Beginning ~~Class~~Interest Pass-Through Certificate ~~Interest~~Distribution ~~Class CUSIP Description~~ Rate Balance ~~Distribution~~ A-IO 464187CC5 ~~SEN~~ 6.00000% 0.00 ~~203~~200,~~955~~377.6447 A-1 464187BZ5 ~~SEN 3~~4.~~63000~~36375% 8130,~~385~~971,~~267~~486.9917 ~~254~~124,~~396~~815.7809 A-2 464187CA9 ~~SEN 3~~4.~~71000~~44375% 68,581,000.00 ~~219~~286,~~097~~135.2417 A-3 464187CB7 ~~SEN 3~~4.~~84000~~57375% 56,852,000.00 ~~187~~250,~~990~~338.6131 M-1 464187CD3 ~~MEZ~~ 4.~~03000~~76375% 24,689,000.00 85110,~~677~~798.6975 M-2 464187CE1 ~~MEZ 4~~5.~~36000~~09375% 20,574,000.00 77101,~~243~~384.9410 M-3 464187CF8 ~~MEZ 4~~5.~~46000~~19375% 6,799,000.00 2634,~~111~~410.9449 M-4 464187CG6 ~~MEZ 4~~5.~~91000~~64375% 6,262,000.00 2635,~~476~~449.0888 M-5 464187CH4 ~~MEZ~~ 5.~~01000~~74375% 5,725,000.00 2433,~~698~~173.6019 M-6 464187CJ0 ~~MEZ 5~~6.~~91000~~64375% 5,367,000.00 2737,~~313~~539.5618 M-7 464187CK7 ~~MEZ 7~~8.~~46000~~19375% 10,556,000.00 6795,~~810~~649.5709 X-1 464187CL5 ~~SUB~~ 0.00000% 7,513,854.64 0.00 X-2A 464187CM3 ~~SUB~~ 0.00000% 0.00 0.00 X-2B 464187CN1 ~~SUB~~ 0.00000% 0.00 0.00 Cert ~~SUB~~ 0.00000% 100.00 0.00 Totals ~~294~~243,~~304~~890,~~222~~440.6381 1,~~200~~310,~~772~~070.6572

Certificateholder Distribution Summary (continued) Class Principal Current Ending ~~Cumulative~~Total ~~Principal~~Cummulative Distribution Realized Certificate ~~Total~~Distribution Realized ~~Class Distribution~~ Loss Balance ~~Distribution~~ Losses A-IO 0.00 0.00 0.00 ~~203~~200,~~955~~377.6447 0.00 A-1 1110,~~814~~554,~~802~~027.3025 0.00 6920,~~570~~417,~~465~~458.6992 1210,~~069~~678,~~199~~842.0834 0.00 A-2 0.00 0.00 68,581,000.00 ~~219~~286,~~097~~135.2417 0.00 A-3 0.00 0.00 56,852,000.00 ~~187~~250,~~990~~338.6131 0.00 M-1 0.00 0.00 24,689,000.00 85110,~~677~~798.6975 0.00 M-2 0.00 0.00 20,574,000.00 77101,~~243~~384.9410 0.00 M-3 0.00 0.00 6,799,000.00 2634,~~111~~410.9449 0.00 M-4 0.00 0.00 6,262,000.00 2635,~~476~~449.0888 0.00 M-5 0.00 0.00 5,725,000.00 2433,~~698~~173.6019 0.00 M-6 0.00 0.00 5,367,000.00 2737,~~313~~539.5618 0.00 M-7 0.00 0.00 10,556,000.00 6795,~~810~~649.5709 0.00 X-1 0.00 0.00 7,513,854.64 0.00 0.00 X-2A 0.00 0.00 0.00 0.00 0.00 X-2B 0.00 0.00 0.00 0.00 0.00 Cert 0.00 0.00 100.00 0.00 0.00 Totals 1110,~~814~~554,~~802~~027.3025 0.00 ~~282~~233,~~489~~336,~~420~~413.3356 1311,~~015~~864,~~574~~097.9597 0.00 ~~All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.~~ This report has been compiled from information provided to Wells Fargo Bank, N.A., by various third parties, which may include the Servicer, Master Servicer, Special Servicer and others. Wells Fargo Bank, N.A., has not independently confirmed the accuracy of information received from these third parties and assumes no duty to do so. Wells Fargo Bank, N.A., expressly disclaims any responsibility for the accuracy or completeness of information furnished by third parties.

Principal Distribution Statement Class Original Beginning Scheduled ~~Unscheduled~~UnScheduled Accretion Realized Face Certificate Principal Principal ~~Realized~~Loss ~~Class~~ Amount Balance Distribution Distribution ~~Accretion Loss (1)~~ A-IO 0.00 0.00 0.00 0.00 0.00 0.00 A-1 148,833,000.00 8130,~~385~~971,~~267~~486.9917 0.00 1110,~~814~~554,~~802~~027.3025 0.00 0.00 A-2 68,581,000.00 68,581,000.00 0.00 0.00 0.00 0.00 A-3 56,852,000.00 56,852,000.00 0.00 0.00 0.00 0.00 M-1 24,689,000.00 24,689,000.00 0.00 0.00 0.00 0.00 M-2 20,574,000.00 20,574,000.00 0.00 0.00 0.00 0.00 M-3 6,799,000.00 6,799,000.00 0.00 0.00 0.00 0.00 M-4 6,262,000.00 6,262,000.00 0.00 0.00 0.00 0.00 M-5 5,725,000.00 5,725,000.00 0.00 0.00 0.00 0.00 M-6 5,367,000.00 5,367,000.00 0.00 0.00 0.00 0.00 M-7 10,556,000.00 10,556,000.00 0.00 0.00 0.00 0.00 X-1 8,016,436.00 7,513,854.64 0.00 0.00 0.00 0.00 X-2A 0.00 0.00 0.00 0.00 0.00 0.00 X-2B 0.00 0.00 0.00 0.00 0.00 0.00 Cert 100.00 100.00 0.00 0.00 0.00 0.00 Totals 362,254,536.00 ~~294~~243,~~304~~890,~~222~~440.6381 0.00 1110,~~814~~554,~~802~~027.3025 0.00 0.00 ~~(1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.~~

Principal Distribution Statement (continued) Class Total Ending Ending Total Principal Certificate Certificate Principal ~~Class~~ Reduction Balance Percentage Distribution A-IO 0.00 0.00 0.~~00000000~~000000 0.00 A-1 1110,~~814~~554,~~802~~027.3025 6920,~~570~~417,~~465~~458.6992 0.~~46743979~~137184 1110,~~814~~554,~~802~~027.3025 A-2 0.00 68,581,000.00 1.~~00000000~~000000 0.00 A-3 0.00 56,852,000.00 1.~~00000000~~000000 0.00 M-1 0.00 24,689,000.00 1.~~00000000~~000000 0.00 M-2 0.00 20,574,000.00 1.~~00000000~~000000 0.00 M-3 0.00 6,799,000.00 1.~~00000000~~000000 0.00 M-4 0.00 6,262,000.00 1.~~00000000~~000000 0.00 M-5 0.00 5,725,000.00 1.~~00000000~~000000 0.00 M-6 0.00 5,367,000.00 1.~~00000000~~000000 0.00 M-7 0.00 10,556,000.00 1.~~00000000~~000000 0.00 X-1 0.00 7,513,854.64 0.~~93730613~~937306 0.00 X-2A 0.00 0.00 0.~~00000000~~000000 0.00 X-2B 0.00 0.00 0.~~00000000~~000000 0.00 Cert 0.00 100.00 1.~~00000000~~000000 0.00 Totals 1110,~~814~~554,~~802~~027.3025 ~~282~~233,~~489~~336,~~420~~413.3356 0.~~77980920~~644123 1110,~~814~~554,~~802~~027.3025

Principal Distribution Factors Statement Class Original Beginning Scheduled ~~Unscheduled~~UnScheduled Accretion Face Certificate Principal Principal ~~Class (2)~~ Amount Balance Distribution Distribution ~~Accretion~~ A-IO 0.00 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 A-1 148,833,000.00 ~~546~~208.~~82273414~~095558 0.~~00000000~~000000 7970.~~38294800~~911876 0.~~00000000~~000000 A-2 68,581,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 A-3 56,852,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 M-1 24,689,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 M-2 20,574,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 M-3 6,799,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 M-4 6,262,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 M-5 5,725,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 M-6 5,367,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 M-7 10,556,000.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 X-1 8,016,436.00 937.~~30613455~~306135 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 X-2A 0.00 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 X-2B 0.00 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 Cert 100.00 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000

Principal Distribution Factors Statement (continued) Class Realized Total Ending Ending Total ~~Realized~~Loss Principal Certificate Certificate Principal ~~Class Loss (3)~~ Reduction Balance Percentage Distribution A-IO 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 A-1 0.~~00000000~~000000 7970.~~38294800~~911876 ~~467~~137.~~43978614~~183682 0.~~46743979~~137184 7970.~~38294800~~911876 A-2 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 A-3 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 M-1 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 M-2 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 M-3 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 M-4 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 M-5 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 M-6 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 M-7 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000~~000000 X-1 0.~~00000000~~000000 0.~~00000000~~000000 937.~~30613455~~306135 0.~~93730613~~937306 0.~~00000000~~000000 X-2A 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 X-2B 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 Cert 0.~~00000000~~000000 0.~~00000000~~000000 1,000.~~00000000~~000000 1.~~00000000~~000000 0.~~00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.~~000000

Interest Distribution Statement ~~Beginning~~Class ~~Payment~~Accrual ofAccrual ~~Original~~ Current ~~Certificate/~~Beginning Current ~~Unpaid~~Payment ~~Current~~of ~~Face~~Dates Days Certificate ~~Notional~~Certificate/ Accrued ~~Interest~~Unpaid Interest ~~Class Amount~~ Rate Notional Balance Interest Shortfall ~~Shortfall~~ A-IO ~~0.00~~11/01/05 - 11/30/05 30 6.00000% 40,~~791~~075,~~127~~493.00 ~~203~~200,~~955~~377.6447 0.00 ~~0.00~~ A-1 ~~148,833,000.00~~11/25/05 3- 12/26/05 32 4.~~63000~~36375% 8130,~~385~~971,~~267~~486.9917 ~~254~~124,~~396~~815.7809 0.00 ~~0.00~~ A-2 ~~68,581,000.00~~11/25/05 3- 12/26/05 32 4.~~71000~~44375% 68,581,000.00 ~~219~~286,~~097~~135.2417 0.00 ~~0.00~~ A-3 ~~56,852,000.00~~11/25/05 3- 12/26/05 32 4.~~84000~~57375% 56,852,000.00 ~~187~~250,~~990~~338.6131 0.00 ~~0.00~~ M-1 ~~24,689,000.00~~11/25/05 - 12/26/05 32 4.~~03000~~76375% 24,689,000.00 85110,~~677~~798.6975 0.00 ~~0.00~~ M-2 ~~20,574,000.00~~11/25/05 4- 12/26/05 32 5.~~36000~~09375% 20,574,000.00 77101,~~243~~384.9410 0.00 ~~0.00~~ M-3 ~~6,799,000.00~~11/25/05 4- 12/26/05 32 5.~~46000~~19375% 6,799,000.00 2634,~~111~~410.9449 0.00 ~~0.00~~ M-4 ~~6,262,000.00~~11/25/05 4- 12/26/05 32 5.~~91000~~64375% 6,262,000.00 2635,~~476~~449.0888 0.00 ~~0.00~~ M-5 ~~5,725,000.00~~11/25/05 - 12/26/05 32 5.~~01000~~74375% 5,725,000.00 2433,~~698~~173.6019 0.00 ~~0.00~~ M-6 ~~5,367,000.00~~11/25/05 5- 12/26/05 32 6.~~91000~~64375% 5,367,000.00 2737,~~313~~539.5618 0.00 ~~0.00~~ M-7 ~~10,556,000.00~~11/25/05 7- 12/26/05 32 8.~~46000~~19375% 10,556,000.00 6795,~~810~~649.5709 0.00 ~~0.00~~ X-1 ~~8,016,436.00~~N/A N/A 0.00000% 7,513,854.64 0.00 0.00 ~~0.00~~ X-2A ~~0.00~~N/A N/A 0.00000% ~~298~~249,~~172~~963,~~322~~644.3999 0.00 0.00 ~~0.00~~ X-2B ~~0.00~~N/A N/A 0.00000% ~~298~~249,~~172~~963,~~322~~644.3999 0.00 0.00 ~~0.00~~ Cert ~~100.00~~N/A N/A 0.00000% 100.00 0.00 0.00 ~~0.00~~ Totals ~~362,254,536.00~~ 1,~~200~~310,~~772~~070.6572 0.00 ~~0.00~~

Interest Distribution Statement (continued) ~~Remaining~~Class ~~Ending~~Current Non-Supported Total ~~Unpaid~~Remaining ~~Certificate/~~Ending Interest ~~Realized~~Interest Interest Unpaid Interest Certificate/Notional ~~Class~~ Shortfall ~~Losses~~ (41) Shortfall Distribution Shortfall(2) Balance A-IO 0.00 0.00 ~~203~~200,~~955~~377.6447 0.00 4039,~~791~~717,~~127~~676.00 A-1 0.00 0.00 ~~254~~124,~~396~~815.7809 0.00 6920,~~570~~417,~~465~~458.6992 A-2 0.00 0.00 ~~219~~286,~~097~~135.2417 0.00 68,581,000.00 A-3 0.00 0.00 ~~187~~250,~~990~~338.6131 0.00 56,852,000.00 M-1 0.00 0.00 85110,~~677~~798.6975 0.00 24,689,000.00 M-2 0.00 0.00 77101,~~243~~384.9410 0.00 20,574,000.00 M-3 0.00 0.00 2634,~~111~~410.9449 0.00 6,799,000.00 M-4 0.00 0.00 2635,~~476~~449.0888 0.00 6,262,000.00 M-5 0.00 0.00 2433,~~698~~173.6019 0.00 5,725,000.00 M-6 0.00 0.00 2737,~~313~~539.5618 0.00 5,367,000.00 M-7 0.00 0.00 6795,~~810~~649.5709 0.00 10,556,000.00 X-1 0.00 0.00 0.00 0.00 7,513,854.64 X-2A 0.00 0.00 0.00 0.00 ~~287~~239,~~275~~268,~~759~~071.1136 X-2B 0.00 0.00 0.00 0.00 ~~287~~239,~~275~~268,~~759~~071.1136 Cert 0.00 0.00 0.00 0.00 100.00 Totals 0.00 0.00 1,~~200~~310,~~772~~070.6572 0.00 (41,2) Amount ~~Does~~also ~~Not~~includes ~~Include~~coupon ~~Excess~~cap ~~Special Hazard, Bankruptcy,~~ or ~~Fraud~~basis ~~Losses~~risk ~~Unless~~shortfalls,if ~~Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.~~applicable

Interest Distribution Factors Statement ~~Beginning~~Class ~~Payment~~Accrual of Original Current ~~Certificate/~~Beginning Current ~~Unpaid~~Payment ~~Current~~of Dates Face Certificate Certificate/Notional Accrued ~~Interest~~Unpaid Interest ~~Class (5)~~ Amount Rate Balance Interest Shortfall ~~Shortfall~~ A-IO 11/01/05 - 11/30/05 0.00 6.00000% ~~950~~933.~~00062881~~333947 4.~~75000326~~666670 0.~~00000000~~000000 ~~0.00000000~~ A-1 11/25/05 - 12/26/05 148,833,000.00 34.~~63000~~36375% ~~546~~208.~~82273414~~095558 ~~1.70927671~~ 0.~~00000000~~838625 0.~~00000000~~000000 A-2 11/25/05 - 12/26/05 68,581,000.00 34.~~71000~~44375% 1000.~~00000000~~000000 34.~~19472215~~172222 0.~~00000000~~000000 ~~0.00000000~~ A-3 11/25/05 - 12/26/05 56,852,000.00 34.~~84000~~57375% 1000.~~00000000~~000000 34.~~30666661~~403333 0.~~00000000~~000000 ~~0.00000000~~ M-1 11/25/05 - 12/26/05 24,689,000.00 4.~~03000~~76375% 1000.~~00000000~~000000 34.~~47027786~~487778 0.~~00000000~~000000 ~~0.00000000~~ M-2 11/25/05 - 12/26/05 20,574,000.00 45.~~36000~~09375% 1000.~~00000000~~000000 34.~~75444444~~927778 0.~~00000000~~000000 ~~0.00000000~~ M-3 11/25/05 - 12/26/05 6,799,000.00 45.~~46000~~19375% 1000.~~00000000~~000000 35.~~84055596~~061110 0.~~00000000~~000000 ~~0.00000000~~ M-4 11/25/05 - 12/26/05 6,262,000.00 45.~~91000~~64375% 1000.~~00000000~~000000 45.~~22805493~~661111 0.~~00000000~~000000 ~~0.00000000~~ M-5 11/25/05 - 12/26/05 5,725,000.00 5.~~01000~~74375% 1000.~~00000000~~000000 45.~~31416594~~794444 0.~~00000000~~000000 ~~0.00000000~~ M-6 11/25/05 - 12/26/05 5,367,000.00 56.~~91000~~64375% 1000.~~00000000~~000000 56.~~08916713~~994444 0.~~00000000~~000000 ~~0.00000000~~ M-7 11/25/05 - 12/26/05 10,556,000.00 78.~~46000~~19375% 1000.~~00000000~~000000 69.~~42388878~~061111 0.~~00000000~~000000 ~~0.00000000~~ X-1 N/A 8,016,436.00 0.00000% 937.~~30613455~~306135 0.~~00000000~~000000 0.~~00000000~~000000 ~~0.00000000~~ X-2A N/A 0.00 0.00000% ~~833~~698.~~30977726~~579760 0.~~00000000~~000000 0.~~00000000~~000000 ~~0.00000000~~ X-2B N/A 0.00 0.00000% ~~833~~698.~~30977726~~579760 0.~~00000000~~000000 0.~~00000000~~000000 ~~0.00000000~~ Cert N/A 100.00 0.00000% 1000.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000 0.00000000 (5) Per $1 denomination.~~000000

Interest Distribution Factors Statement (continued) ~~Remaining~~Class ~~Ending~~Current Non-Supported Total Remaining Unpaid ~~Certificate/~~Ending Interest ~~Realized~~Interest Interest Interest ~~Notional~~Certificate/ ~~Class~~ Shortfall ~~Losses~~ (61) Shortfall Distribution Shortfall(2) Notional Balance A-IO 0.~~00000000~~000000 0.~~00000000~~000000 4.~~75000326~~666670 0.~~00000000~~000000 ~~950~~925.~~00062881~~000606 A-1 0.~~00000000~~000000 0.~~00000000~~000000 10.~~70927671~~838625 0.~~00000000~~000000 ~~467~~137.~~43978614~~183682 A-2 0.~~00000000~~000000 0.~~00000000~~000000 34.~~19472215~~172222 0.~~00000000~~000000 1000.~~00000000~~000000 A-3 0.~~00000000~~000000 0.~~00000000~~000000 34.~~30666661~~403333 0.~~00000000~~000000 1000.~~00000000~~000000 M-1 0.~~00000000~~000000 0.~~00000000~~000000 34.~~47027786~~487778 0.~~00000000~~000000 1000.~~00000000~~000000 M-2 0.~~00000000~~000000 0.~~00000000~~000000 34.~~75444444~~927778 0.~~00000000~~000000 1000.~~00000000~~000000 M-3 0.~~00000000~~000000 0.~~00000000~~000000 35.~~84055596~~061110 0.~~00000000~~000000 1000.~~00000000~~000000 M-4 0.~~00000000~~000000 0.~~00000000~~000000 45.~~22805493~~661111 0.~~00000000~~000000 1000.~~00000000~~000000 M-5 0.~~00000000~~000000 0.~~00000000~~000000 45.~~31416594~~794444 0.~~00000000~~000000 1000.~~00000000~~000000 M-6 0.~~00000000~~000000 0.~~00000000~~000000 56.~~08916713~~994444 0.~~00000000~~000000 1000.~~00000000~~000000 M-7 0.~~00000000~~000000 0.~~00000000~~000000 69.~~42388878~~061111 0.~~00000000~~000000 1000.~~00000000~~000000 X-1 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 937.~~30613455~~306135 X-2A 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 ~~802~~668.~~85687457~~688568 X-2B 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 ~~802~~668.~~85687457~~688568 Cert 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 0.~~00000000~~000000 1000.~~00000000~~000000 (61,2) Amount ~~Does~~also ~~Not~~includes ~~Include~~coupon ~~Excess~~cap ~~Special Hazard, Bankruptcy,~~or ~~Fraud~~basis ~~Losses~~risk ~~Unless~~shortfalls,if ~~Otherwise Disclosed~~applicable. ~~Please~~Per ~~Refer~~$1 ~~to the Prospectus Supplement for a Full Description~~denomination.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 1312,~~355~~802,~~745~~173.9628 ~~Liquidations,~~Reserve ~~Insurance~~Funds ~~Proceeds,~~and ~~Reserve~~Credit ~~Funds~~Enhancements 0.00 Proceeds from Repurchased Loans 0.00 ~~Other Amounts (~~Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) (82729,~~790~~251.3151) Prepayment Penalties 0.00 Swap/Cap Payments 0.00 Total Deposits 1312,~~272~~072,~~955~~921.6577 Withdrawals ~~Reimbursement~~Swap ~~for~~Payments ~~Servicer~~0.00 ~~Advances~~Reserve Funds and Credit Enhancements 0.00 ~~Payment~~Total ofAdministration ~~Service~~Fees ~~Fee 257~~208,~~380~~823.6980 Payment of Interest and Principal 1311,~~015~~864,~~574~~097.9697 Total Withdrawals (Pool Distribution Amount) 1312,~~272~~072,~~955~~921.6577 Ending Balance 0.00

~~SERVICING~~ADMINISTRATION FEES Gross Servicing Fee* ~~256~~208,~~759~~303.5004 Trustee Fee ~~621~~520.1976 Supported Prepayment/Curtailment Interest Shortfall 0.00 ~~Net~~Total ~~Servicing~~Administration ~~Fee~~Fees ~~257~~208,~~380~~823.6980 *Servicer Payees include: IRWIN UNION BANK & TRUST CO

~~OTHER~~Reserve ~~ACCOUNTS~~Accounts Account Name Beginning Current Withdrawals Current Deposits Ending ~~Account Type~~ Balance ~~Withdrawals Deposits~~ Balance ~~Financial~~Reserve ~~Guaranty~~Fund 0.00 0.00 0.00 0.00 ~~Reserve~~OTHER ~~Fund~~ACCOUNTS ~~0.00~~Account Name Funds In (A) Funds Out(B) Net Amount(A - B) Financial Guaranty 0.00 0.00 0.00

~~LOAN~~COLLATERAL ~~STATUS STRATIFICATION/CREDIT ENHANCEMENT~~ STATEMENT ~~DELINQUENT~~Collateral ~~BANKRUPTCY~~Description ~~FORECLOSURE~~Mixed ~~REO~~Fixed ~~Total~~Weighted NoAverage ofGross ~~Loans~~Coupon No10.113149% ofWeighted ~~Loans~~Average NoNet ofCoupon ~~Loans~~9.200941% NoWeighted ofAverage ~~Loans~~Pass-Through NoRate of9.198441% ~~Loans~~Weighted ~~Principal~~Average ~~Balance~~Remaining ~~Principal~~Term ~~Balance~~238 ~~Principal~~Beginning ~~Balance~~Scheduled ~~Principal~~Collateral ~~Balance~~Loan ~~Principal~~Count ~~Balance~~4,923 ~~0-29~~Number ~~Days~~Of 63Loans 2Paid 0In 65Full ~~2,925,478.98~~206 ~~79,946.44~~Ending ~~0.00~~Scheduled ~~3,005,425.42~~Collateral 30Loan ~~Days~~Count 40 4,717 0Beginning 0Scheduled 44Collateral 1Balance 249,~~878~~963,~~904~~644.9899 ~~188,876.29~~Ending ~~0.00~~Scheduled ~~0.00~~Collateral 2Balance 239,~~067~~268,~~781~~071.2736 60Ending ~~Days~~Actual 18Collateral 2Balance 1at 030-Nov-2005 ~~21 847~~239,~~666.70 81~~268,~~501~~071.7636 ~~29,043.85~~Monthly ~~0.00~~P&I ~~958,212.31~~Constant ~~90 Days 3~~ 2 ~~2 0 7 154~~,~~440.26 114~~554,~~806~~437.1487 ~~106,955.17~~Special Servicing Fee 0.00 ~~376,201.57~~Prepayment ~~120~~Penalty ~~Days~~Waived 6Amount ~~6 1~~ 0 ~~13 310,025~~.~~81 276,259.25 39,535.21 0.~~00 ~~625,820.27~~Prepayment ~~150~~Penalty ~~Days~~Waived 4Count ~~7 4~~ 0 15Prepayment ~~134,183.19~~Penalty ~~343,589.18~~Paid ~~207,499.62~~Amount 0.00 ~~685,271.99~~Prepayment ~~180+~~Penalty ~~Days~~Paid 0Count 0 3Realized 2Loss 5Amount ~~0.00 0.00 208~~729,~~712~~251.8451 ~~104,477.18~~Cumulative ~~313,190.02~~Realized ~~Totals~~Loss ~~71 84 13~~ 2 ~~170 3~~,~~325~~722,220.9476 ~~3,930,511.60~~Scheduled ~~671,693.13~~Principal ~~104~~446,~~477~~921.1876 ~~8,031,902.85~~Unscheduled ~~No of Loans No of Loans No of Loans No of Loans No of Loans~~ Principal ~~Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 1~~9,514,127.118409% 0.035505% 0.000000% 1.153914% 1.018352% 0.027829% 0.000000% 1.046181% 30 Days 0.710101% 0.071010% 0.000000% 0.000000% 0.781111% 0.654042% 0.065747% 0.000000% 0.000000% 0.719790% 60 Days 0.319546% 0.035505% 0.017753% 0.000000% 0.372803% 0.295071% 0.028371% 0.010110% 0.000000% 0.333551% 90 Days 0.053258% 0.035505% 0.035505% 0.000000% 0.124268% 0.053760% 0.039964% 0.037231% 0.000000% 0.130955% 120 Days 0.106515% 0.106515% 0.017753% 0.000000% 0.230783% 0.107919% 0.096165% 0.013762% 0.000000% 0.217847% 150 Days 0.071010% 0.124268% 0.071010% 0.000000% 0.266288% 0.046709% 0.119603% 0.072230% 0.000000% 0.238542% 180+ Days 0.000000% 0.000000% 0.053258% 0.035505% 0.088763% 0.000000% 0.000000% 0.072652% 0.036368% 0.109021% Totals 1.260430% 1.491212% 0.230783% 0.035505% 3.017930% 1.157501% 1.368202% 0.233815% 0.036368% 2.795886%38

~~DELINQUENT~~Group ~~BANKRUPTCY~~Level ~~FORECLOSURE~~Collateral ~~REO~~Statement ~~Total~~Group HLTV NoHEL ofTotal ~~Loans~~Collateral NoDescription ofMixed ~~Loans~~Fixed NoMixed ofFixed ~~Loans~~Mixed NoFixed ofWeighted ~~Loans~~Average NoCoupon ofRate ~~Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 57 2 0 59 2,795,786~~11.32284318 ~~79,946~~7.44117105 010.00113149 ~~2,875,732.76~~Weighted 30Average ~~Days~~Net 31Rate ~~4 0 0 35 1,523,695~~10.03383359 ~~188,876~~6.29176121 09.00200941 ~~0.00~~Weighted ~~1,712,571.32~~Average 60Remaining ~~Days~~Term 14252 2200 1238 0Beginning 17Loan ~~718~~Count 3,~~907.52~~342 811,~~501.76~~581 294,~~043.85~~923 ~~0.00~~Loans ~~829,453.13~~Paid 90In ~~Days~~Full 3143 263 2206 0Ending 7Loan ~~154,440.26~~Count ~~114~~3,~~806.14~~199 ~~106~~1,~~955.17~~518 ~~0.00 376~~4,~~201.57~~717 ~~120~~Beginning ~~Days~~Scheduled 6Balance ~~6 0 0 12 310~~179,~~025~~712,920.8102 ~~276~~70,~~259~~250,724.2597 ~~0.00 0.00 586~~249,~~285~~963,644.0699 ~~150~~Ending ~~Days~~Scheduled 3Balance ~~7 2 0 12 111~~172,~~052.16 343~~037,~~589~~080.1838 ~~115~~67,~~411~~230,990.5298 ~~0.00 570~~239,~~052~~268,071.8636 ~~180+~~Record ~~Days~~Date 011/30/2005 011/30/2005 311/30/2005 2Principal 5And ~~0.00~~Interest ~~0.00~~Constant ~~208~~1,~~712.84 104~~895,~~477~~480.1849 ~~313~~658,~~190~~957.0238 ~~Totals 57 78 10~~ 2 ~~147 2~~,~~818~~554,~~120~~437.7887 ~~3,800,818.94~~Scheduled ~~540,069.82~~Principal ~~104~~204,~~477~~675.1847 7242,~~263,486~~246.~~72 0-~~29 ~~Days 1~~446,921.~~492147%~~76 ~~0.052356%~~Unscheduled ~~0.000000%~~Principal 16,826,380.~~544503% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.811518% 0.104712% 0.000000% 0.000000% 0.916230% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%~~ 60 ~~Days 0~~2,687,746.~~366492%~~78 09,514,127.~~052356%~~38 ~~0.026178%~~Scheduled ~~0.000000%~~Interest 01,689,948.~~445026%~~17 0416,651.~~000000%~~47 02,106,599.~~000000%~~64 ~~0.000000%~~Servicing ~~0.000000%~~Fee 0149,760.~~000000%~~77 ~~90 Days 0~~58,542.~~078534%~~27 0208,303.~~052356%~~04 ~~0.052356%~~Master ~~0.000000%~~Servicing ~~0.183246%~~Fee 0.~~000000%~~00 0.~~000000%~~00 0.~~000000%~~00 ~~0.000000%~~Trustee ~~0.000000%~~Fee ~~120 Days 0~~374.~~157068%~~40 0146.~~157068%~~36 0520.~~000000%~~76 ~~0.000000%~~FRY ~~0.314136%~~Amount 0.~~000000%~~00 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.078534% 0.183246% 0.052356% 0.000000% 0.314136% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.078534% 0.052356% 0.130890% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.492147% 2.041885% 0.261780% 0.052356% 3.848168% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% DELINQUENT BANKRUPTCY FORECLOSURE REO Total HEL No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 6 0 0 6 129,692.66 0.00 0.00 ~~129,692.66~~Special 30Hazard ~~Days~~Fee 9 0 ~~0 0 9 355,209~~.~~95 0.~~00 0.00 0.00 ~~355,209.95~~Other 60Fee ~~Days 4~~ 0 ~~0 0 4 128,759~~.~~18 0.~~00 0.00 0.00 ~~128,759.18~~Pool 90Insurance ~~Days~~Fee 0 ~~0 0 0 0 0~~.00 0.00 0.00 ~~0.00~~Spread ~~0.00 120 Days 0 0~~ 1 0 ~~1 0~~.00 0.00 ~~39,535.21~~ 0.00 ~~39,535.21~~Spread ~~150 Days 1 0~~ 2 0 ~~3 23,131~~.0300 0.00 ~~92,088.10~~ 0.00 ~~115,219.13~~Spread ~~180+~~3 ~~Days~~ 0 ~~0 0 0 0 0~~.00 0.00 0.00 ~~0.00~~Net ~~0.00~~Interest ~~Totals 14 6 3 0 23 507~~1,~~100.16 129~~540,~~692~~186.6640 ~~131~~358,~~623~~109.3120 ~~0.00 768~~1,~~416~~898,295.~~13 0-29 Days 0.330943% 0.000000% 0.000000% 0.330943% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.496415% 0.000000% 0.000000% 0.000000% 0.496415% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%~~ 60 ~~Days~~Realized ~~0.220629%~~Loss ~~0.000000%~~Amount 0639,510.~~000000%~~59 089,740.~~000000%~~92 0729,251.~~220629%~~51 ~~0.000000%~~Cumulative ~~0.000000%~~Realized ~~0.000000%~~Loss 02,546,025.~~000000%~~36 0176,195.~~000000%~~40 ~~90 Days 0~~2,722,220.~~000000%~~76 ~~0.000000%~~Percentage ~~0.000000%~~of ~~0.000000%~~Cumulative ~~0.000000%~~Losses 01.~~000000%~~0244 0.~~000000%~~1612 0.~~000000%~~7608 ~~0.000000%~~Prepayment ~~0.000000%~~Penalty ~~120~~Waived ~~Days~~Amount 0.~~000000%~~00 0.~~000000%~~00 0.~~055157%~~00 ~~0.000000%~~Prepayment ~~0.055157%~~Penalty ~~0.000000%~~Waived ~~0.000000%~~Count 0~~.000000%~~ 0~~.000000%~~ 0~~.000000%~~ ~~150~~Prepayment ~~Days~~Penalty ~~0.055157%~~Paid ~~0.000000%~~Amount 0.~~110314%~~00 0.~~000000%~~00 0.~~165472%~~00 ~~0.000000%~~Prepayment ~~0.000000%~~Penalty ~~0.000000%~~Paid ~~0.000000%~~Count 0~~.000000%~~ ~~180+ Days~~ 0~~.000000%~~ 0~~.000000%~~ ~~0.000000%~~Special ~~0.000000%~~Servicing ~~0.000000%~~Fee 0.~~000000%~~00 0.~~000000%~~00 0.~~000000%~~00 ~~0.000000%~~Pass-Through ~~0.000000%~~Rate ~~Totals 0~~10.~~772201%~~380859 06.~~330943%~~173621 09.~~165472% 0.000000% 1.268616% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%~~198441

~~OTHER~~Additional ~~INFORMATION~~Reporting ~~Current~~- ~~Period~~Deal ~~Class~~Level AMiscellaneous ~~Insufficient~~Reporting ~~Funds~~Target 0Overcollateralization 16,101,760.0056 ~~Principal~~Overcollateralization 13,445,512.44 Overcollateralization Deficiency 2,656,248.12 Excess Cash 587,705.13 Original Collateral Balance of357,816,901.38 ~~Contaminated~~Overcollateralization ~~Properties~~Release 0.00 ~~Periodic~~Overcollateralization ~~Advance~~Funding ~~2,042~~Pct 3.94250000% In Stepdown NO

~~COLLATERAL~~LOAN ~~STATEMENT~~STATUS ~~Collateral~~STRATIFICATION/CREDIT ~~Description~~ENHANCEMENT ~~Mixed~~STATEMENT ~~Fixed~~DELINQUENT ~~Weighted~~BANKRUPTCY ~~Average~~FORECLOSURE ~~Gross~~REO ~~Coupon~~TOTAL ~~9.897026%~~No ~~Weighted~~of ~~Average~~Loans ~~Net~~No ~~Coupon~~of ~~8.983508%~~Loans ~~Weighted~~No ~~Average~~of ~~Pass-Through~~Loans ~~Rate~~No ~~8.986002%~~of ~~Weighted~~Loans ~~Average~~No ~~Maturity(Stepdown~~of ~~Calculation)~~Loans ~~240~~Principal ~~Beginning~~Balance ~~Scheduled~~Principal ~~Collateral~~Balance ~~Loan~~Principal ~~Count~~Balance ~~5,836~~Principal ~~Number~~Balance OfPrincipal ~~Loans~~Balance ~~Paid~~0-29 InDays ~~Full~~104 ~~203~~1 ~~Ending~~0 ~~Scheduled~~105 ~~Collateral~~5,410,020.50 ~~Loan~~73,523.91 ~~Count~~0.00 5,~~633~~483,544.41 ~~Beginning~~30 ~~Scheduled~~Days ~~Collateral~~57 ~~Balance~~9 ~~298~~0 0 66 2,~~172~~640,~~322~~545.39 ~~Ending~~428,998.90 ~~Scheduled~~0.00 ~~Collateral~~0.00 ~~Balance 287~~3,~~275~~069,~~759~~544.1129 ~~Ending~~60 ~~Actual~~Days ~~Collateral~~13 ~~Balance~~17 at2 ~~29-Jul-2005~~0 ~~287~~32 665,~~275~~698.54 801,~~759~~353.1142 ~~Monthly~~143,146.32 ~~P&I~~0.00 ~~Constant 2~~1,~~562~~610,~~723~~198.9228 ~~Special~~90 ~~Servicing~~Days ~~Fee~~7 12 0 0 19 295,304.53 567,702.76 0.00 ~~Prepayment~~0.00 ~~Penalties~~863,007.29 120 Days 3 9 2 0 14 162,715.47 428,476.55 129,677.81 0.00 ~~Realized~~720,869.83 ~~Loss~~150 ~~Amount~~Days 823 8 2 1 14 143,~~790~~955.3178 ~~Cumulative~~416,472.93 ~~Realized~~104,370.51 ~~Loss~~37,434.26 ~~583~~702,~~795~~233.2148 ~~Scheduled~~180+ ~~Principal~~Days 0 0 8 1 9 0.00 ~~Unscheduled~~0.00 ~~Principal~~407,937.63 1038,~~723~~887.25 446,~~570~~824.7588 Totals 83 159 15 2 259 3,908,219.71 8,053,025.06 858,656.18 76,321.51 12,896,222.46 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 2.204791% 0.021200% 0.000000% 2.225991% 2.261071% 0.030729% 0.000000% 2.291799% 30 Days 1.208395% 0.190799% 0.000000% 0.000000% 1.399194% 1.103593% 0.179296% 0.000000% 0.000000% 1.282889% 60 Days 0.275599% 0.360399% 0.042400% 0.000000% 0.678397% 0.278223% 0.334919% 0.059827% 0.000000% 0.672968% 90 Days 0.148399% 0.254399% 0.000000% 0.000000% 0.402798% 0.123420% 0.237266% 0.000000% 0.000000% 0.360686% 120 Days 0.063600% 0.190799% 0.042400% 0.000000% 0.296799% 0.068006% 0.179078% 0.054198% 0.000000% 0.301281% 150 Days 0.063600% 0.169599% 0.042400% 0.021200% 0.296799% 0.060165% 0.174061% 0.043621% 0.015645% 0.293492% 180+ Days 0.000000% 0.000000% 0.169599% 0.021200% 0.190799% 0.000000% 0.000000% 0.170494% 0.016253% 0.186747% Totals 1.759593% 3.370787% 0.317999% 0.042400% 5.490778% 1.633406% 3.365691% 0.358868% 0.031898% 5.389864%

~~Miscellaneous~~OTHER ~~Reporting~~INFORMATION ~~Excess~~Current ~~Cash~~Period ~~1,024,567.58~~Class ~~Overcollateralization~~A ~~11,382,054.40~~Insufficient ~~Overcollateralization~~Funds ~~Deficiency 4,719,706~~0.1600 ~~Overcollateralization~~Principal ~~Funding~~Balance ~~Pct~~of ~~4.000000%~~Contaminated ~~Overcollateralization~~Properties ~~Release~~ 0.00 ~~Original~~Periodic ~~Collateral~~Advance ~~Balance 357~~260,~~816,901~~057.~~38 In Stepdown NO Target Overcollateralization 16,101,760.56~~24

Delinquency Status By Group ~~Level~~DELINQUENT ~~Collateral~~BANKRUPTCY ~~Statement~~FORECLOSURE ~~Group~~REO TOTAL HLTV ~~HEL~~No ~~Total~~of ~~Collateral~~Loans ~~Description~~No ~~Mixed~~of ~~Fixed~~Loans ~~Mixed~~No ~~Fixed~~of ~~Mixed~~Loans ~~Fixed~~No ~~Weighted~~of ~~Average~~Loans ~~Coupon~~No ~~Rate~~of 10Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 92 1 0 93 5,069,765.~~969690~~52 773,523.~~200163~~91 90.~~897026~~00 ~~Weighted~~5,143,289.43 ~~Average~~30 ~~Net~~Days ~~Rate~~46 109 0 0 55 2,216,849.~~068352~~13 6428,998.~~264788~~90 80.~~983508~~00 ~~Weighted~~0.00 ~~Average~~2,645,848.03 ~~Maturity~~60 ~~262~~Days ~~216~~13 ~~240~~15 ~~Beginning~~2 ~~Loan~~0 ~~Count~~30 3665,~~948~~698.54 1718,~~888~~526.07 5143,~~836~~146.32 ~~Loans~~0.00 ~~Paid~~1,527,370.93 In90 ~~Full~~Days ~~128~~5 7512 ~~203~~0 ~~Ending~~0 ~~Loan~~17 ~~Count 3~~232,~~820~~862.97 1567,~~813~~702.76 50.00 0.00 800,~~633~~565.73 ~~Beginning~~120 ~~Scheduled~~Days ~~Balance~~3 ~~213~~8 1 0 12 162,~~323~~715.47 370,~~834~~169.6078 8455,~~848~~281.88 0.00 588,~~487~~167.7913 ~~298~~150 Days 3 8 1 0 12 143,~~172~~955.78 416,~~322~~472.93 49,573.39 ~~Ending~~0.00 ~~Scheduled~~610,002.10 ~~Balance~~180+ Days 0~~.00~~ 0 6 1 7 0.00 0.00 ~~Record~~339,637.77 ~~Date~~38,887.25 ~~07/29/2005~~378,525.02 ~~07/29/2005~~Totals ~~07/29/2005~~70 ~~Principal~~144 ~~And~~11 ~~Interest~~1 ~~Constant~~226 23,~~000~~422,~~130~~081.1089 ~~562~~7,~~593~~571,635.8296 2661,~~562~~163.27 38,~~723~~887.9225 ~~Scheduled~~11,693,768.37 ~~Principal~~0-29 Days 2.875899% 0.00031260% 0.00000000% 2.907158% 2.946903% 0.00042737% ~~Unscheduled~~0.000000% ~~Principal~~2.989640% ~~6,839,714~~30 Days 1.00437949% ~~3,883,856~~0.75281338% ~~10,723,570~~0.75000000% ~~Scheduled~~0.000000% ~~Interest~~1.719287% 1.288588% 0.00249364% 0.00000000% 0.00000000% ~~Servicing~~1.537952% ~~Fees~~60 Days 0.00406377% 0.00468897% 0.00062520% ~~Master~~0.000000% ~~Servicing~~0.937793% ~~Fees~~0.386951% 0.00417658% 0.00083207% 0.00000000% ~~Trustee~~0.887815% ~~Fee~~90 Days 0.00156299% 0.00375117% 0.00000000% ~~FRY~~0.000000% ~~Amount~~0.531416% 0.00135356% 0.00329989% 0.00000000% ~~Special~~0.000000% ~~Hazard~~0.465345% ~~Fee~~120 Days 0.00093779% 0.00250078% 0.00031260% ~~Other~~0.000000% ~~Fee~~0.375117% 0.00094582% 0.215169% 0.032134% 0.000000% 0.341884% 150 Days 0.093779% 0.250078% 0.031260% 0.000000% 0.375117% 0.083677% 0.242083% 0.028816% 0.000000% 0.354576% 180+ Days 0.000000% 0.000000% 0.187559% 0.031260% 0.218818% 0.000000% 0.000000% 0.197421% 0.022604% 0.220025% Totals 2.188184% 4.501407% 0.343857% 0.031260% 7.064708% 1.989154% 4.401165% 0.384314% 0.022604% 6.797237% DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL HEL No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 12 0 0 12 340,254.98 0.00 0.00 ~~Pool~~340,254.98 ~~Insurance~~30 ~~Fee~~Days 11 0 0 0 11 423,696.26 0.00 0.00 0.00 ~~Spread~~423,696.26 160 Days 0 2 0 0 2 0.00 82,827.35 0.00 0.00 ~~Spread~~82,827.35 90 Days 2 0 0 0 2 62,441.56 0.00 0.00 0.00 ~~Spread~~62,441.56 3120 Days 0 1 1 0 2 0.00 58,306.77 74,395.93 0.00 132,702.70 150 Days 0 0 1 1 2 0.00 ~~Net~~0.00 ~~Interest~~54,797.12 37,434.26 92,231.38 180+ Days 0 0 2 0 2 0.00 0.00 68,299.86 0.00 ~~Realized~~68,299.86 ~~Loss~~Totals ~~Amount~~13 15 4 1 33 486,137.82 481,~~790~~389.3110 0197,492.0091 8237,~~790~~434.3126 ~~Cumulative~~1,202,454.09 ~~Realized~~0-29 ~~Loss~~Days ~~583,795~~0.21790514% 0.00000000% ~~583,795~~0.21000000% ~~Percentage~~0.790514% of0.506098% ~~Cumulative~~0.000000% ~~Losses~~0.000000% 0.~~2349~~506098% 30 Days 0.~~0000~~724638% 0.~~1632~~000000% ~~Prepayment~~0.000000% ~~Penalties~~0.000000% 0.00724638% 0.00630210% 0.00000000% ~~Special~~0.000000% ~~Servicing~~0.000000% ~~Fee~~0.630210% 60 Days 0.00000000% 0.00131752% 0.00000000% 0.000000% 0.131752% 0.000000% 0.123198% 0.000000% 0.000000% 0.123198% 90 Days 0.131752% 0.000000% 0.000000% 0.000000% 0.131752% 0.092876% 0.000000% 0.000000% 0.000000% 0.092876% 120 Days 0.000000% 0.065876% 0.065876% 0.000000% 0.131752% 0.000000% 0.086726% 0.110657% 0.000000% 0.197383% 150 Days 0.000000% 0.000000% 0.065876% 0.065876% 0.131752% 0.000000% 0.000000% 0.081506% 0.055680% 0.137186% 180+ Days 0.000000% 0.000000% 0.131752% 0.000000% 0.131752% 0.000000% 0.000000% 0.101590% 0.000000% 0.101590% Totals 0.856390% 0.988142% 0.263505% 0.065876% 2.173913% 0.723086% 0.716023% 0.293753% 0.055680% 1.788541%

Filing Compare · Irwin Whole Loan Home Equity Trust 2005-A