Rule 424(b)(3)
                     File Nos. 333-114270 and 333-114270-03


PRICING SUPPLEMENT NO. 13 DATED Aug. 22, 2005

     (To  Prospectus  Dated  April  21,  2004 and  Prospectus  Supplement  Dated
February 7, 2005)

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


     Trade Date: Aug. 22, 2005 Book Entry: |X|
     Issue Price: 97.25% Certificated: |_|
Original Issue Date:       August 26, 2005 Principal Amount:        $10,000,000
Stated Maturity Date:      August 26, 2020 Net Proceeds:             $9,725,000
Interest Rate:             4.60% from the initial Interest
                           Payment Date to August 26, 2008;
                           6.00% from August 26, 2008
                           to the Stated Maturity Date

Specified Currency:         U.S. Dollars

Exchange Rate Agent:       N/A

Agent:                     Countrywide Securities Corporation

Minimum Denomination:      $1,000

     Interest  Payment  Dates:  Monthly  on the 26th of each  month,  commencing
September 26, 2005
Record Dates: 15 days prior to the Interest Payment Date


Redemption:                                               Repayment:


     Check box opposite  applicable  paragraph:  Check box  opposite  applicable
paragraph:
     |_| The Notes cannot be redeemed prior to maturity. |X| The Notes cannot be
repaid prior to maturity.
     |X| The  Notes  may be  redeemed  prior to  maturity.  |_| The Notes may be
repaid prior to maturity.
     Initial Redemption Date: August 26, 2008 Optional Repayment Dates:

     Initial Redemption Percentage: 100%
     Annual Redemption Percentage Reduction, if any:

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


Additional/Other           Terms: The notes may be redeemed on the 26th of each
                           month, in whole or in part, on or after the Initial
                           Redemption Date, upon 10 business days' notice to the
                           Holder
















The Notes to which this Pricing Supplement relates will constitute unsecured and
unsubordinated indebtedness of Countrywide Financial Corporation and will rank
equally with other unsecured and unsubordinated indebtedness of Countrywide
Financial Corporation. As of June 30, 2005, Countrywide Financial Corporation,
on an unconsolidated basis, had no secured indebtedness outstanding,
$8,440,640,000 aggregate principal amount of unsecured and unsubordinated
indebtedness outstanding, which indebtedness ranked equally with the other
unsecured and unsubordinated indebtedness of Countrywide Financial Corporation
and will rank equally with the Notes to which this Pricing Supplement relates,
and $235,913,000 of intercompany notes payable. As of that date, Countrywide
Home Loans, Inc. had $13,457,447,000 aggregate principal amount of secured
indebtedness outstanding, including $11,014,835,000 of intercompany borrowings,
and $20,689,250,000 aggregate principal amount of unsecured and unsubordinated
indebtedness outstanding, including $54,530,000 of intercompany borrowings,
which indebtedness ranked equally with the other unsecured and unsubordinated
indebtedness of Countrywide Home Loans, Inc. and will rank equally with the
Guarantees to which this Pricing Supplement relates.


         You should rely only on the information contained or incorporated by
reference in this Pricing Supplement and the accompanying Prospectus Supplement
and Prospectus. Countrywide Financial Corporation and Countrywide Home Loans
have not, and the Agent(s) have not, authorized any other person to provide you
with different information. If anyone provides you with different or
inconsistent information, you should not rely on it. Countrywide Financial
Corporation and Countrywide Home Loans are not, and the Agent(s) are not, making
an offer to sell these securities in any jurisdiction where the offer or sale is
not permitted.

         You should assume that the information appearing in this Pricing
Supplement and the accompanying Prospectus Supplement and Prospectus is accurate
as of the date on the front cover of this Pricing Supplement only. The business,
financial condition, results of operations and prospects of Countrywide
Financial Corporation and Countrywide Home Loans may have changed since that
date.