Commercial Capital Bancorp To Host Conference Call and Webcast Highlighting Fourth Quarter and Year 2002 Earnings Release.

Business Editors

IRVINE, Calif.--(BUSINESS WIRE)--Jan. 21, 2003

Commercial Capital Bancorp, Inc. ("CCBI" or the "Company"), (NASDAQ:CCBI), the holding company for Commercial Capital Bank, FSB (the "Bank"), Financial Institutional Partners Mortgage Corporation ("FIPMC"), and ComCap Financial Services, Inc. ("ComCap"), announced today that it will release fourth quarter and year 2002 earnings before the market opens on Monday January 27, 2003. At 7:30 a.m. PST the same day, Stephen H. Gordon, Chairman and CEO, and Christopher G. Hagerty, EVP and CFO, will host a conference call to discuss highlights of the fourth quarter and year 2002. Analysts and investors may dial in to the phone number listed below and participate in the question/answer session. A listen only broadcast of the call also will be available on the Company's website at www.commercialcapital.com.

Date: Monday, January 27, 2003

Time: 7:30 a.m. PST (10:30 a.m. EST)

To access the call, please dial [phone]. To access the Webcast, please go to the link on the home page of the Company's website at www.commercialcapital.com.

Replay information: for those who are unable to participate in the call/Webcast live, a playback of the Webcast will be archived on the Company's site at www.commercialcapital.com. The archive will be available beginning approximately 2 hours following the call for a period of 30 days.

It is recommended that participants dial into the conference call approximately 5 to 10 minutes prior to the call.

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 September 30, 2002, CCBI had total assets of $753.0 million, and its subsidiary, Commercial Capital 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 June 30, 2002 (source: www.fdic.gov). The Bank has full service branches at the Company's headquarters in Irvine, Riverside, and in Rancho Santa Margarita, CA. FIPMC, the 4th largest multifamily lender in California during the 12 months ended September 30, 2002, has originated approximately $1.8 billion in multi-family and commercial real estate loans since its inception through September 30, 2002 and has loan origination offices in Burlingame, Corte Madera (Marin County), Oakland, Woodland Hills, Los Angeles, Irvine and San Diego. ComCap, a 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.