[LOGO] Commercial Capital Bancorp, Inc.

Contact: Stephen H. Gordon        Chairman & CEO       Telephone: (949) 585-7500
         Christopher G. Hagerty   EVP & CFO            Facsimile: (949) 585-0174

 COMMERCIAL CAPITAL BANCORP, INC. ANNOUNCES DIRECTOR AND OTHER APPOINTMENTS AND
                              DIRECTOR RESIGNATION


Irvine, CA - February 28, 2003 - Commercial Capital Bancorp, Inc. ("CCBI" or the
"Company"), (NASDAQ: "CCBI"), announced today that Christopher G. Hagerty,
Executive Vice President and Chief Financial Officer of CCBI and its
subsidiaries, was appointed to the Company's Boards of Directors, effective
February 26, 2003. Mr. Hagerty replaces Scott F. Kavanaugh, a Director,
Executive Vice President and Chief Administrative Officer, who resigned his
positions to pursue other interests.

Prior to joining CCBI in 1999, Mr. Hagerty served as Senior Vice President and
corporate controller for Home Savings of America and its parent, H.F. Ahmanson
prior to its acquisition by Washington Mutual, Inc. (NYSE: "WM"). At the time,
Home Savings was the largest thrift in the country with approximately $55
billion in total assets. He played a significant role in the merger and
acquisition strategies which resulted in the divestiture of large branch
networks in New York, Illinois and Florida, and the acquisition of $1.9 billion
of First Interstate Bank deposits, the acquisition of Coast Savings Financial,
Inc., with total assets of $8.8 billion, and finally, the sale of H.F. Ahmanson
& Co. to Washington Mutual. Prior to his position at Home Savings, Mr. Hagerty
was a Senior Manager at KPMG Peat Marwick in their Los Angeles and London
offices.

Additionally, the Company is pleased to announce that Robert Noble has been
appointed Head of Secondary Marketing. Mr. Noble has served the Company in
several capacities since 1999, most recently as Senior Vice President of Asset
Quality. Prior to joining CCBI, Mr. Noble served as Senior Vice President for
Home Savings of America and its parent H.F. Ahmanson. He was responsible for
managing the overall credit quality of a $20 billion multifamily and commercial
real estate loan portfolio. Additional responsibilities included the sale of
both performing and non-performing multifamily and commercial real estate loan
pools. Prior to Home Savings, Mr. Noble was employed at Transpacific Development
Company, a commercial real estate developer and property manager with over 12
million square feet under management.

"Having been a member of the Company's executive management team, and the
Company's CFO, practically since inception, Chris has played a significant role
in the development of Commercial Capital Bancorp," said Stephen H. Gordon,
Chairman and Chief Executive Officer. "This appointment makes such compelling
sense given the evolution of CCBI and its status now as a public company."
Gordon added, "Having Rob now head up all of secondary marketing creates the
opportunity for the Company to leverage his background and successful experience
with much larger multi-family and commercial real estate loan portfolios." Mr.
Gordon concluded, "I want to wish Scott Kavanaugh well in his future endeavors.
His performance at the Company will be remembered."

CCBI, headquartered in Irvine, CA, is a multifaceted financial services company
which provides financial services to meet the needs of its client base of middle
market commercial businesses, income-property real estate investors, high
net-worth individuals, families and professionals. At December 31, 2002, CCBI
had total assets of $849.5 million, and its subsidiary, Commercial Capital Bank
(the "Bank") was the fastest growing banking organization in Orange County,
based on percentage growth in total assets on a quarterly basis over the 24
months ended September 30, 2002 (source: www.fdic.gov). The Bank has three full
service branches located at the Company's headquarters in Irvine, Rancho Santa
Margarita, and in Riverside, CA. Financial Institutional Partners Mortgage
Corporation ("FIPMC"), the Company's mortgage banking subsidiary, was the 4th
largest multifamily lender in California during the 12 months ended December 31,
2002. FIPMC has originated approximately $2.0 billion in multi-family and
commercial real estate loans since its inception through December 31, 2002 and
has loan origination offices in Sacramento, Corte Madera (Marin County),
Oakland, Burlingame, Woodland Hills, Los Angeles, Irvine, and San Diego. ComCap
Financial Services, Inc., the Company's NASD registered broker dealer, provides
fixed income and mortgage-backed securities advisory and brokerage services to
corporations, high net worth individuals and other financial institutions.

This release 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.