EXHIBIT 5.0

                                   Law Offices
                            KELLEY DRYE & WARREN LLP
                            8000 Towers Crescent Dr.
                                   Suite 1200
                             Vienna, Virginia 22182
                            Telephone (703) 918-2300

                               September 16, 2002

Board of Directors
Commercial Capital Bancorp, Inc.
One Venture, 3rd Floor
Irvine, California 92618

         Re: Registration Statement on Form S-1

Ladies and Gentlemen:

         In connection with the registration under the Securities Act of 1933,
as amended (the "Act"), of up to $60,087,500 aggregate amount of shares of
common stock, $.001 par value ("Common Stock"), of Commercial Capital Bancorp,
Inc., a Nevada corporation (the "Corporation"), we have been requested to render
our opinion as your special counsel as to the validity of the Common Stock.

         In connection with this opinion, we have examined such corporate
records, certificates and other documents, and such questions of law, as we have
considered necessary or appropriate for the purposes of this opinion. We have
relied as to all matters of fact upon written or oral representations or
certificates of officers of the Corporation and public officials, and we have
assumed the accuracy of all statements of fact therein without any independent
investigation thereof.

         The opinion which we render herein is limited to those matters governed
by the federal laws of the United States and the laws of the State of Nevada as
of the date hereof and we do not express any opinion as to the laws of any other
jurisdiction. We assume no obligation to revise or supplement the opinions
rendered herein should the above-referenced laws be changed by legislative or
regulatory action, judicial decision or otherwise. We express no opinion as to
compliance with Nevada securities or "blue sky" laws and the opinions set forth
herein are qualified in that respect.

         Based on the foregoing, and subject to the assumptions, qualifications
and limitations set forth herein, as of the date hereof we are of the opinion
that, when the Registration Statement has become effective under the Act and the
Common Stock has been issued and delivered as contemplated in the Registration
Statement, the shares of the Common Stock will have been duly authorized and
validly issued and will be fully paid and non-assessable when delivered against
payment therefore.

         We hereby consent to the filing of this opinion as an exhibit to the
Registration Statement and to the references to us under the heading "Validity
of the Securities" in the prospectus included in the Registration Statement. In
giving such consent, we do not thereby admit that we are in the category of
persons whose consent is required under Section 7 of the Act.

                                       Very truly yours,


                                       /s/ KELLEY DRYE & WARREN LLP