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):          October 27, 2005
                                                           ----------------


                         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
                                                      --------------


                                 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))





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                         COMMERCIAL FEDERAL CORPORATION
                         ------------------------------

                                    FORM 8-K
                                    --------

                                 CURRENT REPORT
                                 --------------



Item 2.02  Results of Operations and Financial Condition:
--------------------------------------------------------

      On October 27, 2005, the Registrant issued its earnings release for the
      three and nine months ended September 30, 2005. The earnings release is
      attached to this report as Exhibit 99.1, which is furnished herewith.



Item 9.01  Financial Statements and Exhibits:
--------------------------------------------

        (c) Exhibits

             Exhibit 99.1       Press release dated October 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:  October 27, 2005                  /s/  David S. Fisher                   
      ------------------                 ---------------------------------------
                                         David S. Fisher
                                         Executive Vice President and
                                         Chief Financial Officer
                                         (Duly Authorized Officer)





























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