EXHIBIT 32.2


                            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 quarter ended September 30, 2005, 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
to 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:  November 7, 2005
                                              /s/ Richard V. Schmitz
                                              ----------------------------------
                                              Name:  Richard V. Schmitz
                                              Title: Co-Chief Executive Officer