UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549



                                   FORM 10-K

(Mark One)

      [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
      SECURITIES EXCHANGE ACT OF 1934

      For the fiscal year ended:   December 31, 1999
                                   -----------------

                                   OR

      [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
      SECURITIES EXCHANGE ACT OF 1934

      For the transition period from               to
                                     -------------    ------------

                  Commission file number: 033-63714-94
                                          ------------

                                  CWMBS, Inc.
                Residential Asset Securitization Trust 1999-A6
               Mortgage Pass-Through Certificates, Series 1999-F
               -------------------------------------------------
            (Exact name of Registrant as specified in its charter)


              Delaware                                 95-4449516
------------------------------------       -----------------------------------
(State or other jurisdiction of            (IRS Employer Identification Number)
   incorporation or organization)

c/o      The Bank of New York
         101 Barclay Street
         New York, New York                               10286
----------------------------------------        --------------------------
(Address of principal executive offices)                (Zip Code)


Registrant's telephone number, including area code:   (212) 815-2007
                                                      --------------

Securities registered pursuant to Section 12(b) of the Act:  None
                                                             ----

Securities registered pursuant to Section 12(g) of the Act:  None
                                                             ----

<PAGE>

Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days. Yes  X  No
                                                    -
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K (ss. 229.405 of this chapter) is not contained herein, and
will not be contained, to the best of Registrant's knowledge, in definitive
proxy or information statements incorporated by reference in Part III of this
Form 10-K or any amendment to this Form 10-K. [ ]

State the aggregate market value of the voting and non-voting common equity
held by non-affiliates of the Registrant: Not applicable
                                          --------------

Indicate the number of shares outstanding of each of the registrant's classes
of common stock, as of December 31, 1999: Not applicable
                                          --------------

<PAGE>

DOCUMENTS INCORPORATED BY REFERENCE


                                     None.


                        *              *             *


     This Annual Report on Form 10-K (the "Report") is filed with respect to
the trust fund entitled Residential Asset Securitization Trust 1999-A6 (the
"Trust Fund") formed pursuant to the pooling and servicing agreement dated as
of July 1, 1999 (the "Pooling and Servicing Agreement") among CWMBS, Inc., as
depositor (the "Company"), IndyMac, Inc., as seller and master servicer (the
"Master Servicer"), and The Bank of New York, as trustee (the "Trustee"), for
the issuance of CWMBS, Inc., Mortgage Pass-Through Certificates, Series 1999-F
(the "Certificates"). Certain information otherwise required to be included in
this Report by the Instructions to Form 10-K has been omitted in reliance on
the relief granted to the Company in CWMBS, Inc. (February 3, 1994) (the
"Relief Letter").

<PAGE>

                                    PART I


ITEM 1.  BUSINESS

         Not applicable. See the Relief Letter.

ITEM 2.  PROPERTIES

         Not applicable. See the Relief Letter.

ITEM 3.  LEGAL PROCEEDINGS

         There were no material pending legal proceedings relating to the
         Trust Fund to which any of the Trust Fund, the Trustee, the Master
         Servicer or the Company was a party or of which any of their
         respective properties was the subject during the fiscal year covered
         by this Report, nor is the Company aware of any such proceedings
         contemplated by governmental authorities.

ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

         No matter was submitted to a vote of Certificateholders, and no
         Certificateholder consent was solicited during the fiscal year
         covered by this Report.

<PAGE>

                                    PART II


ITEM 5.  MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

              (a) There is no established public trading market for the
         Certificates.

              (b) As of December 31, 1999, there were less than 300 holders of
         record of the Certificates.

              (c) Not applicable. (Information as to distributions to
         Certificateholders is provided in the Registrant's monthly filings on
         Form 8-K.)

ITEM 6.  SELECTED FINANCIAL DATA

         Not applicable. See the Relief Letter.

ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
         RESULTS OF OPERATIONS

         Not applicable. See the Relief Letter.

ITEM 7A  QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

         Not applicable. See the Relief Letter.

ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         Not applicable. See the Relief Letter.

ITEM 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
         FINANCIAL DISCLOSURE

         None.

<PAGE>

                                   PART III


ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

         Not applicable. See the Relief Letter.

ITEM 11. EXECUTIVE COMPENSATION

         Not applicable. See the Relief Letter.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

         (a) Not applicable. See the Relief Letter.

         (b) Not applicable. See the Relief Letter.

         (c) Not applicable. See the Relief Letter.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         (a) Not applicable. See the Relief Letter.

<PAGE>

                                    PART IV


ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

                    (a) (1) Pursuant to the Pooling and Servicing Agreement,
               the Master Servicer is required (i) to deliver an annual
               statement as to compliance with the provisions of the Pooling
               and Servicing Agreement and certain other matters (the "Annual
               Statement of the Master Servicer") and (ii) to cause a firm of
               independent public accountants to deliver an annual report as
               to compliance with the servicing provisions of the Pooling and
               Servicing Agreement (the "Annual Report of the Firm of
               Accountants"). Both the Annual Statement of the Master Servicer
               and the Annual Report of the Firm of Accountants are attached
               as Exhibits 99.1 and 99.2, respectively, to this Report.

                         (2) Not applicable.

                         (3) The required exhibits are as follows:

                                   Exhibit 3(i): Copy of Company's Certificate
                             of Incorporation (Filed as an Exhibit to
                             Registration Statement on Form S-11 (File No.
                             33-63714)).

                                   Exhibit 3(ii): Copy of Company's By-laws
                             (Filed as an Exhibit to Registration Statement on
                             Form S-11 (File No. 33-63714)).

                                   Exhibit 4: Pooling and Servicing Agreement
                             (Filed as part of the Registrant's Current Report
                             on Form 8-K filed on November 5, 1999).

                                   Exhibit 99.1: Annual Statement of the
                             Master Servicer.

                                   Exhibit 99.2: Annual Report of the Firm of
                             Accountants.

<PAGE>

                    (b) Current Reports on Form 8-K filed during the last
               quarter of the period covered by this Report:

<TABLE>
<CAPTION>

               Date of Current Report                      Item Reported
               ----------------------                      -------------
               <S>                              <C>
               October 25, 1999                 Monthly Report sent to Certificateholders with the
                                                October 1999 distribution
               November 25, 1999                Monthly Report sent to Certificateholders with the
                                                November 1999 distribution
               December 27, 1999                Monthly report sent to Certificateholders with the
                                                December 1999 distribution
</TABLE>



                    (c) See subparagraph (a)(3) above.

                    (d) Not applicable. See the Relief Letter.

     SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO
SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES
PURSUANT TO SECTION 12 OF THE ACT.

     No such annual report, proxy statement, form of proxy or other soliciting
material has been sent to Certificateholders. See the Relief Letter.

<PAGE>

                                  SIGNATURES

     Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this Report to be signed
on its behalf by the undersigned, thereunto duly authorized.

                    CWMBS, INC.,
                    RESIDENTIAL ASSET SECURITIZATION TRUST
                    1999-A6, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 1999-F

                    By:    The Bank of New York,
                            as Trustee*


                    By:    /s/ Courtney Bartholomew
                           --------------------------------
                           Name:  Courtney Bartholomew
                           Title: Assistant Vice President

                           Date: March 30, 2000









-------------------------
*  This Report is being filed by the Trustee on behalf of the Trust
   Fund. The Trust Fund does not have any officers or directors.

<PAGE>

                                 EXHIBIT INDEX
                                 -------------

                                                                    Sequential
Exhibit  Document                                                   Page Number
-----------------                                                   -----------

3(i)    Company's Certificate of Incorporation (Filed as
        an Exhibit to Registration Statement on Form S-11
        (File No. 33-63714))*

3(ii)   Company's By-laws (Filed as an Exhibit to Registration
        Statement on Form S-11 (File No. 33-63714))  *

4       Pooling and Servicing Agreement (Filed as part of
        the Company's Current Report on Form 8-K filed on
        November 5, 1999)*

99.1    Annual Statement of the Master Servicer......................    12

99.2    Annual Report of the Firm of Accountants.....................    14












--------------------
*  Incorporated herein by reference.

<PAGE>

                                 Exhibit 99.1

<PAGE>

INDYMAC, INC.


                             OFFICERS' CERTIFICATE
                    ANNUAL STATEMENT OF THE MASTER SERVICER


                                  CWMBS, INC.
                RESIDENTIAL ASSET SECURITIZATION TRUST 1999-A6
               MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 1999-F


     The undersigned do hereby certify that they are each an officer of
IndyMac, Inc. (the "Master Servicer") and do hereby further certify pursuant
to Section 3.19 of the Pooling and Servicing Agreement for the above-captioned
Series (the "Agreement") that:

          (i) A review of the activities of the Master Servicer during the
          preceding calendar year and of the performance of the Master
          Servicer under the Agreement has been made under our supervision;

          (ii) To the best of our knowledge, based on such review, the Master
          Servicer has fulfilled all its obligations under the Agreement
          throughout such year; and

          (iii) To the best of our knowledge, each Servicer has fulfilled all
          its obligations under its Servicing Agreement throughout such year
          (capitalized terms used in this subparagraph (iii) shall have the
          meanings assigned to such terms in the Agreement).




/s/Jim Banks                                        Dated: 3/30/00

JIM BANKS
EXECUTIVE VICE PRESIDENT


/s/John Kim                                         Dated: 3/30/00

JOHN KIM
VICE PRESIDENT

<PAGE>

                                 Exhibit 99.2

<PAGE>

              REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


IndyMac, Inc.

We have examined management's assertion about IndyMac, Inc.'s compliance with
the minimum servicing standards identified in the Mortgage Bankers Association
of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) as
of and for the year ended December 31, 1999, included in the accompanying
management assertion. Management is responsible for IndyMac, Inc.'s compliance
with those minimum servicing standards. Our responsibility is to express an
opinion on management's assertion about the entity's compliance based on our
examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about IndyMac, Inc.'s compliance with the
minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion. Our examination does not provide
a legal determination on IndyMac, Inc.'s compliance with the minimum servicing
standards.

In our opinion, management's assertion that IndyMac, Inc. complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 1999 is fairly stated, in all material respects.


/s/ Grant Thornton LLP


Los Angeles, California
March 3, 2000

<PAGE>

                                                               [LOGO] IndyMac


March 3, 2000


Grant Thornton LLP
1000 Wilshire Blvd., Suite 700
Los Angeles, CA  90017


                            Management's Assertion
                            ----------------------

As of and for the year ended December 31, 1999, IndyMac Inc. has complied in
all material respects with the minimum servicing standards, in its capacity as
a master servicer, as set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers. As of and
for the year ended December 31, 1999, IndyMac had in effect fidelity bond and
mortgage impairment errors and omissions policies in the amounts of
$30,000,000 and $10,000,000, respectively.


Very truly yours,
IndyMac, Inc.


/s/Michael W. Perry
-------------------------------------------------------------------------------
Michael W. Perry          President and Chief Executive Officer


/s/Carmella Grahn
-------------------------------------------------------------------------------
Carmella Grahn            Executive Vice President and Chief Financial Officer






                                               155 North Lake Avenue
                                               Pasadena, California 91101
                                               Telephone: 800.669.2300
                                               http://www.indymac.com