<PAGE>

                                  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) March 15, 2005

ORIGEN RESIDENTIAL SECURITIES, INC. (as depositor under a Trust Agreement, dated
as of September 1, 2004 providing for, inter alia, the issuance of Origen
Manufactured Housing Contract Trust, Series 2004-B)

                       Origen Residential Securities, Inc.
             (Exact name of registrant as specified in its charter)

<TABLE>
<S>                           <C>                            <C>
       DELAWARE                     333-117573-01                 20-1370314
State of Incorporation        (Commission File Number)         (I.R.S. Employer
                                                             Identification No.)
</TABLE>

<TABLE>
<S>                                                                   <C>
27777 Franklin Road, Suite 1700, Southfield, Michigan                   48034
       (Address of Principal Executive Offices)                       (Zip Code)
</TABLE>

       Registrant's telephone number, including area code: (248) 746-7000
          (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 (see General Instruction A.2. below):

[ ]  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 240.14d2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e4(c))

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Item 8.01. Other Events

     This current report on Form 8-K relates to the monthly distribution
reported to Certificateholders of Origen Manufactured Housing Contract Trust
2004-B Notes, which was made on March 15, 2005.

Item 9.01. Financial Statements and Exhibits

     (a)  Not applicable

     (b)  Not applicable

     (c)  Exhibits

<TABLE>
<CAPTION>
EXHIBIT NO.   DESCRIPTION
-----------   -----------
<S>           <C>
99.1          Statement to Certificateholders of Origen Manufactured Housing
              Contract Trust 2004-B Notes dated March 15, 2005.
</TABLE>

                                   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.

Dated: April 17, 2006

                                        ORIGEN RESIDENTIAL SECURITIES, INC.

                                        By: Origen Servicing, Inc.,
                                            as Attorney-in-Fact


                                        By: /s/ W. Anderson Geater, Jr.
                                            ------------------------------------
                                            W. Anderson Geater, Jr.,
                                            Chief Financial Officer

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                                Index to Exhibits

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<CAPTION>
EXHIBIT
 NUMBER   DESCRIPTION
-------   -----------
<S>       <C>
99.1      Statement to Certificateholders of Origen Manufactured Housing
          Contract Trust 2004-B Notes dated March 15, 2005.
</TABLE>