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, 2005

      OR



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


      Commission File Number:  333-113636-23


        Irwin Whole Loan Home Equity Trust
        Home Equity Loan-Backed Notes
        Series 2005-A

     (Exact name of registrant as specified in its charter)


  New York                                          N/A
  (State or other jurisdiction of                   (I.R.S. Employer
  incorporation or organization)                    Identification No.)


   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


  Securities registered pursuant to Section 12(b) of the Act:

        NONE.


  Securities registered pursuant to Section 12(g) of the Act:

        NONE.


  Indicate by check mark if the registrant is a well-known seasoned issuer,
  as defined in Rule 405 of the Securities Act.

        Yes  ___     No  X


  Indicate by check mark if the registrant is not required to file reports
  pursuant to Section 13 or Section 15(d) of the Act.

        Yes  ___     No  X


  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 ( 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.

        Not applicable.


  Indicate by check mark whether the registrant is a large accelerated filer,
  an accelerated filer, or a non-accelerated filer. See Definition of
  "accelerated filer and large accelerated filer" in Rule 12b-2 of the
  Exchange Act. (Check One):


  Large Accelerated Filer ___  Accelerated Filer ___  Non-Accelerated Filer X


  Indicate by check mark whether the registrant is a shell company (as
  defined in Rule 12b-2 of the Act).

        Yes  ___     No  X


  State the aggregate market value of the voting and non-voting common
  equity held by non-affiliates computed by reference to the price at which
  the common equity was last sold, or the average bid and asked price of
  such common equity, as of the last business day of the registrant's most
  recently completed second fiscal quarter.

        Not applicable.


     Documents Incorporated by Reference

  List hereunder the following documents if incorporated by reference and
  the Part of the Form 10-K (e.g. Part I, Part II, etc.) into which the
  document is incorporated: (1)Any annual report to security holders; (2)
  Any proxy or information statement; and (3)Any prospectus filed pursuant
  to Rule 424(b) or (c) under the Securities Act of 1933. The listed
  documents should be clearly described for identification purposes (e.g.
  annual report to security holders for fiscal year ended December 24, 1980).

        Not applicable.


                                   PART I
  Item 1.  Business.

            Not applicable.


  Item 1A.  Risk Factors.

            Not applicable.


  Item 1B.  Unresolved Staff Comments.

            Not applicable.


  Item 2.  Properties.

            Not applicable.


  Item 3.  Legal Proceedings.

            The registrant knows of no material pending legal proceedings
            involving the trust created under the Pooling and Servicing
            Agreement (the Trust), the Trustee, the Servicer or the
            registrant with respect to the Trust other than routine
            litigation incidental to the duties of the respective parties.


  Item 4.  Submission of Matters to a Vote of Security Holders.

            None.

                                PART II

  Item 5.  Market for Registrant's Common Equity, Related Stockholder
           Matters and Issuer Purchases of Equity Securities.

            No established public trading market for the Certificates exists.

            Records provided to the Trust by the DTC and the Trustee
            indicate that as of December 31, 2005, the total number of holders
            of record for the Series of Certificates is 19.


  Item 6.  Selected Financial Data.

            Not applicable.

  Item 7.  Management's Discussion and Analysis of Financial Condition and
           Results of Operation.


            Not applicable.


  Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

            Not applicable.


  Item 8.  Financial Statements and Supplementary Data.

            Not applicable.


  Item 9.  Changes in and Disagreements with Accountants on Accounting and
           Financial Disclosure.

            None.


  Item 9A. Controls and Procedures.
            Not applicable.


  Item 9B. Other Information.

            None.


                                PART III

  Item 10. Directors and Executive Officers of the Registrant.

            Not applicable.


  Item 11. Executive Compensation.

            Not applicable.

  Item 12. Security Ownership of Certain Beneficial Owners and Management
           and Related Stockholder Matters.

            Not applicable.

  Item 13. Certain Relationships and Related Transactions.

            Not applicable.


  Item 14. Principal Accounting Fees and Services.

            Not applicable.


                                PART IV

  Item 15. Exhibits, Financial Statement Schedules.

   (a) Exhibits

     (31.1) Rule 13a-14(a)/15d-14(a) Certification

     (99.1) Annual Independent Accountants' Servicing Reports concerning
            servicing activities.

      <TABLE>

      
         <c>
      a) Irwin Union Bank and Trust, as Servicer <F1>

      </TABLE>

     (99.2) Report of Management as to Compliance with Minimum Servicing
            Standards.

      <TABLE>

      
        <c>
      a) Irwin Union Bank and Trust, as Servicer <F1>

      </TABLE>

     (99.3) Annual Statements of Compliance under the Pooling and Servicing
            Agreements.

      <TABLE>

      
         <c>
      a) Irwin Union Bank and Trust, as Servicer <F1>

      </TABLE>


     (99.4) Aggregate Statement of Principal and Interest Distributions to
            Certificate Holders.


   (b) Not applicable.

   (c) Omitted.


  <F1> Filed herewith.


                                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:



    Irwin Whole Loan Home Equity Trust
    Home Equity Loan-Backed Notes
    Series 2005-A
    (Registrant)


  Signed: Irwin Union Bank and Trust as Master Servicer

  By: Dan Kuster, Vice President of Finance - Home Equity Lending

  By: /s/ Dan Kuster, Vice President of Finance - Home Equity Lending

  Dated: March 28, 2006


  Exhibit Index

  Exhibit No.

  Ex-31.1 Rule 13a-14(a)/15d-14(a) Certification

  I, Dan Kuster, Vice President of Finance - Home Equity Lending, certify that:

  1. I have reviewed this annual report on Form 10-K, and all reports on
     Form 8-K containing distribution or servicing reports filed in
     respect of periods included in the year covered by this annual report,
     of Irwin Whole Loan Home Equity Trust 2005-A Home Equity
     Loan-Backed Notes, Series 2005-A Trust;

  2. Based on my knowledge, the information in these reports, taken as a
     whole, does not contain any untrue statement of a material fact or
     omit to state a material fact necessary to make the statements made,
     in light of the circumstances under which such statements were made,
     not misleading as of the last day of the period covered by this
     annual report;

  3. Based on my knowledge, the distribution or servicing information
     required to be provided to the Trustee by the Servicer under the
     Pooling and Servicing or similar, agreement, for inclusion in these
     reports is included in these reports;

  4. I am responsible for reviewing the activities performed by the master
     servicer under the pooling and servicing, or similar, agreement, and
     based on upon my knowledge and the annual compliance review required
     under that agreement, and except as disclosed in the reports, the
     master servicer has fulfilled its obligations under that agreement;
     and

  5. The reports disclose all significant deficiencies relating to the
     servicer's compliance with the minimum servicing standards based upon
     the report provided by an independent public accountant, after
     conducting a review in compliance with the Uniform Single Attestation
     Program for Mortgage Bankers or similar procedure, as set forth in
     the pooling and servicing, or similar, agreement, that is included in
     these reports.

     In giving the certifications above, I have reasonably relied on
     information provided to me by the following unaffiliated parties:
     Wells Fargo Bank, N.A. as Trustee.

     Date: March 28, 2006

     /s/ Dan Kuster
     Signature

     Vice President of Finance - Home Equity Lending
     Title


  EX-99.1
(logo)PRICEWATERHOUSECOOPERS



PricewaterhouseCoopers LLP
PricewaterhouseCoopers Center
300 Madison Avenue
New York NY 10017
Telephone (646) 471 3000
Facsimile (813) 286 6000


Report of Independent Auditors

To the Board of Directors of
Irwin Home Equity:



We have examined management's assertion about Irwin Home Equity'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, 2005, included in the
accompanying management assertion. Management is responsible for the Company's
compliance with those minimum servicing standards. Our responsibility is to
express an opinion on management's assertion about the Company's compliance
based on our examination.


Our examination was made in accordance with attestation standards established by
the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Company'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 the Company's compliance with the minimum servicing
standards.


In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2005, is fairly stated, in all material respects.




/s/ PricewaterhouseCoopers LLP
February 28, 2006





  EX-99.2
Irwin Home Equity
12677 Alcosta Blvd.
Suite 500
San Ramon CA 94583-4427
925.277.2001
925.277.0481 Fax

(logo)Irwin Home Equity



Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards



As of and for the year ended December 31, 2005, Irwin Home Equity
Corporation (the "Company") a majority owned subsidiary of Irwin Union Bank and
Trust Company has complied in all material respects with the minimum servicing
standards as set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers ("USAP").

As of and for this same period the Company had in effect a fidelity bond and
errors and omissions policy in the amounts of S35,000,000 and 520,000,000
respectively.







/s/ Jocelyn Martin-Leano  3/1/06
Jocelyn Martin-Leano
Interim President


/s/Dan Kuster 3/1/06
Dan Kuster
Vice President, Finance


an Irwin Financial Company





  EX-99.3
OFFICER'S CERTIFICATE OF THE MASTER SERVICER
RE: ANNUAL STATEMENT AS TO COMPLIANCE




The undersigned, a duly authorized representative of Irwin Union Bank and
Trust Company as Seller and Master Servicer ("Master Servicer") pursuant to the
Sale and Servicing Agreement dated as of January 1, 2005, by and among Bear
Stearns Asset Backed Securities, Inc., as Depositor, Irwin Union Bank and Trust
Company, as Seller and as Master Servicer, Irwin Whole Loan Home Equity Loan
Trust 2005-A, as Issuer, and Wells Fargo Bank, National Association, as
Indenture Trustee (as such agreement may be amended, supplemented or otherwise
modified from time to time, the "Sale and Servicing Agreement"), does hereby
certify as follows:


A. Capitalized terms used in this Certificate have their respective
   meanings set forth in the Sale and Servicing Agreement. References herein to
   certain Sections and Subsections are references to the respective Sections
   and Subsections of the Sale and Servicing Agreement.

B. This Certificate is being delivered pursuant to Section 3.14 of the Sale
   and Servicing Agreement.

C. The Master Servicer is the Master Servicer under the Sale and Servicing
   Agreement.

D. The undersigned is a duly authorized officer of the Master Servicer.

E. A review of the activities of the Master Servicer during the 2005 fiscal
   year and of its performance under the Sale and Servicing Agreement has been
   made under my supervision.

F. To the best of my knowledge, based on the above-mentioned review, the
   Master Servicer has fulfilled all of its obligations under the Sale and
   Servicing Agreement and any applicable Supplements throughout the 2005 fiscal
   year.


IN WITNESS WHEREOF, the Master Servicer has caused this Certificate to be
executed and delivered on its behalf by its duly authorized officers on this 7th
day of March 2006.


IRWIN UNION BANK AND TRUST COMPANY


Attest: /s/ Suzanne Mercier
Suzanne Mercier
Assistant Secretary -
Home Equity Lending

By: /s/ Jocelyn Martin-Leano
Jocelyn Martin-Leano
Senior Vice President -
Home Equity Lending





  Ex-99.4

   Schedule of Year-To-Date Principal and Interest Distributions to
   Certificateholders


   <TABLE>

   Class                              Interest             Principal               Losses             Ending Balance
   
                       <c>                    <c>                  <c>                 <c>
   A-1                            2,799,613.42        128,415,541.08                 0.00              20,417,458.92
   A-2                            2,295,615.88                  0.00                 0.00              68,581,000.00
   A-3                            1,977,944.48                  0.00                 0.00              56,852,000.00
   A-IO                           2,275,715.39                  0.00                 0.00              39,717,676.00
   Cert                                   0.00                  0.00                 0.00                     100.00
   M-1                              900,263.92                  0.00                 0.00              24,689,000.00
   M-2                              816,033.51                  0.00                 0.00              20,574,000.00
   M-3                              276,262.28                  0.00                 0.00               6,799,000.00
   M-4                              281,760.44                  0.00                 0.00               6,262,000.00
   M-5                              263,148.04                  0.00                 0.00               5,725,000.00
   M-6                              293,519.76                  0.00                 0.00               5,367,000.00
   M-7                              735,923.31                  0.00                 0.00              10,556,000.00
   X-1                                    0.00            502,581.36                 0.00               7,513,854.64
   X-2A                                   0.00                  0.00                 0.00             239,268,071.36
   X-2B                                   0.00                  0.00                 0.00             239,268,071.36
   </TABLE>