EXHIBIT 23.1

              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



We have issued our report dated March 7, 2002, accompanying the consolidated
financial statements and schedules of Countrywide Financial Corporation
(formerly known as Countrywide Credit Industries, Inc.) and Subsidiaries
appearing in the Annual Report on Form 10-K for the ten-month transition period
ended December 31, 2001, which is incorporated by reference in this Registration
Statement on Form S-3 (the "Registration Statement"). We consent to the
incorporation by reference in this Registration Statement of the aforementioned
report and to the use of our name as it appears under the caption "Experts."


GRANT THORNTON LLP



Los Angeles, California
March 3, 2003