Exhibit 32.2
                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of IndyMac Bancorp, Inc. (the "Company")
on Form 10-Q for the period ending June 30, 2004, as filed with the Securities
and Exchange Commission on the date hereof (the "Report"), the undersigned,
Scott Keys, Executive Vice President and Chief Financial Officer of the Company,
certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, that:

(1)   The Report fully complies with the requirements of section 13(a) or 15(d)
      of the Securities Exchange Act of 1934; and

(2)   The information contained in the Report fairly presents, in all material
      respects, the financial condition and results of operations of the
      Company.



/s/ SCOTT KEYS
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Scott Keys
Executive Vice President
and Chief Financial Officer
July 29, 2004