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 Annual Report on Form 10-K of Countrywide
Financial Corporation (the "Company") for the period ended December 31, 2003 as
filed with the Securities and Exchange Commission on the date hereof (the
"Report"), I, Thomas K. McLaughlin, 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/ Thomas K. McLaughlin
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Thomas K. McLaughlin
Chief Financial Officer
March 10, 2004

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.