SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report Pursuant
to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 23, 2003

Hawthorne Financial Corporation

(Exact name of registrant as specified in its charter)

Delaware
(State or other jurisdiction of
incorporation or organization) 95-2085671
(I.R.S. employer identification number)

Commission file number: 0-1100

2381 Rosecrans Avenue
El Segundo, California 90245
(Address of principal executive offices and zip code)

Registrant’s telephone number, including area code:

(310) 725-5000

TABLE OF CONTENTS

	Item 7. Financial Statements, Pro Forma Financial Information and Exhibits
	Item 9. Regulation FD Disclosure
SIGNATURES
EXHIBIT 99.1

Item 7.	Financial Statements, Pro Forma Financial Information and Exhibits
Exhibit 99.1	Script of Conference Call held October 23, 2003.
Item 9.	Regulation FD Disclosure

On October 23, 2003, the Registrant held a conference call with analysts and investors, the script for which is attached as Exhibit 99.1, which is not filed but is furnished pursuant to Regulation FD.

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	HAWTHORNE FINANCIAL CORPORATION
	By:	/s/ David Rosenthal
		David Rosenthal
		Executive Vice President
		and Chief Financial Officer
Date: October 30, 2003.