Commercial Capital Bancorp, Inc. to Present at the Wall Street Transcript Conference on May 20, 2003.

Business Editors

IRVINE, Calif.--(BUSINESS WIRE)--May 12, 2003

Commercial Capital Bancorp, Inc. ("CCBI" or the "Company"), (Nasdaq:CCBI), announced today that it has been invited to participate in The Wall Street Transcript's "2003 Investing in the Banking Industry" conference to be held at the Harvard Club in New York City on Tuesday, May 20, 2003. Stephen H. Gordon, Chairman and CEO of CCBI, is scheduled to present an overview of the Company and discuss its 2002 and first quarter 2003 highlights and performance from 12:00 noon to 12:40 p.m. EDT.

Investors, analysts and the general public may listen to and view the Company's presentation live via webcast. On the day of the event, a link to the webcast will be available on the Company's website, www.commercialcapital.com, or through The Wall Street Transcript website, www.twst.com/econf/mm/twst5/ccbi.html. Individuals interested in listening to the webcast should allow sufficient time prior to the presentation to register and login. An archive of the webcast will be available for thirty days following the presentation, beginning at 1:00 p.m. EDT on May 20, 2003. Mr. Gordon's presentation will be available in the "Company News" section of the Company's website prior to the beginning of the presentation.

Additionally, the presentation given at the Company's Annual Meeting of Shareholders by Stephen H. Gordon on April 29, 2003 has been made available to investors, analysts and the general public at the Company's website, www.commercialcapital.com, in the "Company News" section. The presentation highlights the Company's goals, market opportunities, balance sheet and earnings growth, and other recent accomplishments.

CCBI, headquartered in Irvine, CA, is a multifaceted financial services company which provides financial services to meet the needs of its client base, which includes income-property real estate investors, middle market commercial businesses, and high net-worth individuals, families and professionals. At March 31, 2003, CCBI had total assets of $1.2 billion, and Commercial Capital Bank, the Company's bank subsidiary, was the second fastest growing banking organization in California, based on percentage growth in total assets on a quarterly basis over the 36 months ended December 31, 2002 (source: www.fdic.gov). The Bank has full service banking offices located at the Company's headquarters in Irvine, Rancho Santa Margarita, Riverside, and loan origination offices in Sacramento, Corte Madera (Marin County), Oakland, Burlingame, Woodland Hills, Los Angeles, Irvine, and San Diego, CA, and plans to open a banking office in La Jolla, CA in August of 2003. Commercial Capital Mortgage, Inc., the Company's mortgage banking subsidiary, was the 4th largest multi-family lender in California during the 12 months ended December 31, 2002 and has originated over $2.2 billion in multi-family and commercial real estate loans from its inception through March 31, 2003. 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 Press 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.