Exhibit 99.3 [LOGO] Commercial Capital Bancorp, (CCBI - Nasdaq National Market) March 5, 2003 Regulation FD This presentation may include forward-looking statements (related to each company's plans, beliefs and goals), which involve certain risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. Such risks and uncertainties include, but are not limited to, the following factors: competitive pressure in the banking industry; changes in the interest rate environment; the health of the economy, either nationally or regionally; the deterioration of credit quality, which would cause an increase in the provision for possible loan and lease losses; changes in the regulatory environment; changes in business conditions, particularly in California real estate; volatility of rate sensitive deposits; asset/liability matching risks and liquidity risks; and changes in the securities markets. CCBI undertakes no obligation to revise or publicly release any revision to these forward-looking statements. Financial Institutional Partners Mortgage Corporation ("FIPMC")- Mortgage Banking Subsidiary of CCBI .. FIPMC is the 4th largest lender for multi-family in California (source DataQuick Dec 31, 2002) .. $749 million in originations for 2002 .. Originate Multi-family and Commercial Real Estate Loans .. 7 offices located throughout California [LOGO] 3 Financial Institutional Partners Mortgage Corporation FIPMC Originations [CHART] 3/01 6/01 9/01 12/01 3/02 6/02 9/02 12/02 ---- ---- ---- ----- ---- ---- ---- ----- millions 81 120 145 137 185 179 185 199 [LOGO] 4 Financial Institutional Partners Mortgage Corporation FIPMC Originations by Average LTV & DCR [CHART] 3/01 6/01 9/01 12/01 3/02 6/02 9/02 12/02 ---- ---- ---- ----- ---- ---- ---- ----- Loan to Value 70.6% 70.0% 68.9% 69.1% 70.4% 68.4% 68.5% 69.7% Debt Coverage Ratio 1.29 1.29 1.33 1.30 1.31 1.33 1.30 1.31 [LOGO] 5 Financial Institutional Partners Mortgage Corporation FIPMC Loan Composition In-House Originations Year Ended 12/02 [PIE CHART] Multi-Family Residential 91.8% Commercial Real Estate 8.2% [LOGO] 6 Market Outlook .. Continued strong performance for multi-family & retail .. Flat performance for other commercial real estate product types .. More buyers than sellers for investment property as equity market continues to show lackluster performance .. Financing rates at historic lows for all product types [LOGO] 7 Cautions .. Cap rates for properties continuing to fall across all property types .. Supply and demand imbalance (too many buyers) .. Rising interest rates could cause defaults .. Significant competition from lenders could loosen standards [LOGO] 8 [LOGO] FINANCIAL INSTITUTIONAL PARTNERS MORTGAGE CORPORATION [LOGO] 9