Commercial Capital Bancorp (CCBI) 10-K 2003 FY Annual report

EXHIBIT 23

Independent Auditors’ Consent

The Board of Directors

Commercial Capital Bancorp, Inc.:

We consent to incorporation by reference in the registration statement (No. 333-102795) on Form S-8 of Commercial Capital Bancorp, Inc. of our report dated February 27, 2004 relating to the consolidated statements of financial condition of Commercial Capital Bancorp, Inc. and subsidiaries as of December 31, 2003 and 2002, and the related consolidated statements of operations, stockholders’ equity and comprehensive income and cash flows for each of the years in the three-year period ended December 31, 2003, which report appears in the December 31, 2003 Annual Report on Form 10-K of Commercial Capital Bancorp, Inc.

Our report refers to a change in accounting for goodwill and other intangible assets in 2002.

/s/    KPMG LLP

Los Angeles, California

March 10, 2004