UNITED STATES
                       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):          January 27, 2005
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                         COMMERCIAL FEDERAL CORPORATION
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             (Exact name of registrant as specified in its charter)


         NEBRASKA                     1-11515            47-0658852
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   (State or other jurisdiction     (Commission          (I.R.S. Employer
       of incorporation)            File Number)       Identification Number)


    13220 CALIFORNIA STREET, OMAHA, NEBRASKA                     68154
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    (Address of principal executive offices)                  (Zip Code)


Registrant's telephone number including area code:    (402) 554-9200
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                                 NOT APPLICABLE
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          (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ] Written communications pursuant to Rule 425 under the Securities Act (17
    CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
    CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))




                         COMMERCIAL FEDERAL CORPORATION

                                    FORM 8-K

                                 CURRENT REPORT

Item 2.02  Results of Operations and Financial Condition:
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         On January 27, 2005, the Registrant issued its earnings release for the
         fourth quarter and year ended December 31, 2004. The earnings release
         is attached to this report as Exhibit 99.1, which is furnished
         herewith.

Item 9.01   Financial Statements and Exhibits:
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         (c) Exhibits

           Exhibit 99.1                 Press release dated January 27, 2005

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                                   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 thereunto duly authorized.


                                           COMMERCIAL FEDERAL CORPORATION
                                           (Registrant)


Date: January 27, 2005

                                           By: /s/ David S. Fisher
                                           ----------------------------
                                           David S. Fisher
                                           Executive Vice President and
                                           Chief Financial Officer
                                           (Duly Authorized Officer)


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