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                                                                  Rule 424(b)(3)
                                            File Nos. 333-55536 and 333-55536-01
PRICING SUPPLEMENT NO. 34 DATED November 13, 2001
(To Prospectus Dated March 13, 2001, as Supplemented March 15, 2001)

                          COUNTRYWIDE HOME LOANS, INC.
                           Medium-Term Notes, Series J
                   Due Nine Months or More From Date of Issue
                     Payment of Principal, Premium, if any,
              and Interest Fully and Unconditionally Guaranteed by
                       COUNTRYWIDE CREDIT INDUSTRIES, INC.
                                Fixed Rate Notes


Trade Date:                November 13, 2001                  Book Entry:    |X|
Issue Price:               100%                               Certificated:  |_|
     Original Issue Date: November 16, 2001 Principal Amount: $150,000,000.00
     Stated  Maturity  Date:  December  16, 2002 Net  Proceeds:  $149,925,000.00
Interest Rate:
2.33%                      Specified Currency:                    U.S. Dollars


Exchange Rate Agent:       N/A


Agent:                     Deutsche Bank Securities Inc.

Minimum Denomination:      $1,000
Interest Payment Dates:    At Maturity
Record Dates: 15 days prior to the Interest Payment Date.

Redemption:                                               Repayment:

     Check box opposite  applicable  paragraph:  Check box  opposite  applicable
paragraph:
     |X| The Notes cannot be redeemed prior to maturity. |X| The Notes cannot be
repaid prior to maturity.
     | | The  Notes  may be  redeemed  prior to  maturity.  |_| The Notes may be
repaid prior to maturity.
     Initial Redemption Date: N/A Optional Repayment Dates:
     Initial Redemption Percentage: N/A
     Annual Redemption Percentage Reduction, if any:

Estate Option:  Check box if the Estate Option is applicable  |  |

Additional/Other Terms:



         The Notes to which this Pricing Supplement relates will constitute
unsecured and unsubordinated indebtedness of Countrywide Home Loans and will
rank equally with Countrywide Home Loan's other unsecured and unsubordinated
indebtedness. As of August 31, 2001, Countrywide Credit Industries did not have
any secured indebtedness outstanding, and Countrywide Home Loans had $10,153,052
aggregate principal amount of secured indebtedness outstanding, all of which was
short-term indebtedness. As of that date, Countrywide Home Loans had
$14,884,831,881 aggregate principal amount of unsecured and unsubordinated
indebtedness outstanding, which indebtedness ranked equally with the other
unsecured and unsubordinated indebtedness of Countrywide Home Loans and will
rank equally with the Notes to which this Pricing Supplement relates.