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 Amendment to the Quarterly Report on Form 10-Q/A of
Countrywide Financial Corporation (the "Company") for the period ended September
30, 2004 as filed with the Securities and Exchange Commission on the date hereof
(the "Report"), I, Eric P. Sieracki, Chief Financial Officer of the Company,
certify, 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/ Eric P. Sieracki
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Eric P. Sieracki
Chief Financial Officer
May 16, 2005

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to Countrywide Financial Corporation
and will be retained by Countrywide Financial Corporation and furnished to the
Securities and Exchange Commission or its staff upon request.