EXHIBIT 23.1



            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We have issued our report dated February 27, 2004, accompanying the consolidated
financial statements and schedules of Countrywide Financial Corporation and
Subsidiaries appearing in the 2003 Annual Report of the Company on Form 10-K for
the year ended December 31, 2003, which is incorporated by reference in this
Registration Statement on Form S-4 (the "Registration Statement"). We consent to
the incorporation by reference in the Registration Statement of the
aforementioned report and to the use of our name as it appears under the caption
"Experts."


GRANT THORNTON LLP

/s/ GRANT THORNTON LLP



Los Angeles, California
July 9, 2004