EXHIBIT 32.1

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

I, William C. Erbey, state and attest that:

1.      I am the Chief Executive Officer of Ocwen Financial Corporation (the
        "Registrant").

2.      I hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted
        pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that

        .       the Quarterly Report on Form 10-Q of the Registrant for the
                quarter ended September 30, 2004 (the "periodic report")
                containing financial statements fully complies with the
                requirements of Section 13(a) or 15(b) of the Securities
                Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)); and

        .       the information contained in the periodic report fairly
                represents, in all material respects, the financial condition
                and results of operations of the Registrant for the periods
                presented.


Name:   /s/ William C. Erbey
        -----------------------
Title:  Chief Executive Officer
Date:   November 9, 2004