SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
                         PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934


                                  April 3, 2003
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                        (Date of earliest event reported)


                        COMMERCIAL CAPITAL BANCORP, INC.
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             (Exact name of registrant as specified in its charter)



Nevada                                     000-50126                    33-0865080
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(State or other jurisdiction        (Commission File Number)          (IRS Employer
of incorporation)                                                   Identification No.)


One Venture, 3rd Floor, Irvine, California                                92618
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(Address of principal executive offices)                               (Zip Code)



                                 (949) 585-7500
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              (Registrant's telephone number, including area code)


                                 Not Applicable
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              (Former name, former address and former fiscal year,
                          if changed since last report)





ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

         (a) Not applicable.

         (b) Not applicable.

         (c) The following exhibits are included with this Report:

         Exhibit 99.1 Press Release dated April 3, 2003.


ITEM 9.  REGULATION FD DISCLOSURE

     On April 3, 2003, Commercial Capital Bancorp, Inc. announced by press
release the realignment of its lending operations. A copy of the press release
is attached hereto as Exhibit 99.1.



                                    SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                     COMMERCIAL CAPITAL BANCORP, INC.


                                     By: /s/ Christopher G. Hagerty
                                         -----------------------------
                                             Christopher G. Hagerty
                                             Executive Vice President
                                             and Chief Financial Officer

Date: April 3, 2003.