Exhibit 99.3
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                          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

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                        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


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                        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


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                        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%


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                                 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

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                                    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

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                    [LOGO] FINANCIAL INSTITUTIONAL PARTNERS
                           MORTGAGE CORPORATION

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