Exhibit 99.2



                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In  connection  with the  Quarterly  Report of Matrix  Bancorp,  Inc.  (the
"Company")  on Form 10-Q for the period ending March 31, 2003, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Richard
V. Schmitz,  Co-Chief  Executive  Officer of the Company,  certify,  pursuant 18
U.S.C.  Section 1350, as adopted  pursuant to Section 906 of the  Sarbanes-Oxley
Act of 2002, that:

1.   The report fully complies with the  requirements  of Section 13(a) or 15(d)
     of the Securities and Exchange Act of 1934; and

2.   The information  contained in the report fairly  presents,  in all material
     respects, the financial condition and results of operations of the Company.



Dated:   May 2, 2003                       /s/ Richard V. Schmitz
                                          -------------------------------------
                                          Name: Richard V. Schmitz
                                          Title: Co-Chief Executive Officer