8-K

                       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

                               September 26, 2003
                        (Date of earliest event reported)


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


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


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


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

                                 Not Applicable
        (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 exhibit is included with this Report:

          Exhibit 99.1 Press Release dated September 26, 2003.

Item 9.   Other Events and Required FD Disclosure

     On September 26, 2003, Commercial Capital Bancorp, Inc. (the "Company")
announced by press release the issuance of $7.5 million of trust preferred
securities through its newly created subsidiary, CCB Capital Trust IV, a
Delaware special purpose trust, and provided guidance on certain performance
highlights, 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/ Stephen H. Gordon
                                                     -----------------------
                                                     Stephen H. Gordon
                                                     Chairman of the Board and
                                                     Chief Executive Officer


Date: September 26, 2003

EX-99.1

                                                                    Exhibit 99.1

[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. ISSUES $7.5 MILLION OF
                TRUST PREFERRED SECURITIES AND GIVES GUIDANCE ON
                         CERTAIN PERFORMANCE HIGHLIGHTS

IRVINE, CA - September 26, 2003 - Commercial Capital Bancorp, Inc. ("CCBI" or
the "Company"), announced today the issuance of $7.5 million of trust preferred
securities through a newly created subsidiary, CCB Capital Trust IV, a Delaware
special-purpose business trust. The Company received cash proceeds, net of fees
and other expenses, of $7,275,000 and contributed all of the net proceeds to the
Company's bank subsidiary, Commercial Capital Bank (the "Bank"). The interest
rate on these capital securities, which mature in 30 years and are callable
beginning in 5 years, adjusts quarterly at a margin of 2.90% over the
three-month LIBOR index, and is set for the initial accrual period at a pretax
interest cost of 4.04%.

Stephen H. Gordon, Chairman and Chief Executive Officer stated, "The Company is
experiencing record levels of total loan originations, resulting in a record
increase in loans held for investment. Much of this recent increase has been
facilitated through the earlier indicated transition of front loaded, lower
yielding mortgage-backed securities into the Company's high quality, adjustable
rate, multi-family loans. With the continued significant growth of the Company's
loan origination pipeline as we approach the end of this quarter, we view this
issuance of trust preferred securities as a strategic opportunity to provide
low-cost, non-dilutive equity, to further support the future growth of the
Bank."

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 June
30, 2003, CCBI had total assets of $1.4 billion, was the 3rd largest
multi-family lender in California during the 12 months ended March 31, 2003
(source: Dataquick Information Systems) and has originated approximately $2.5
billion in multi-family and commercial real estate loans through June 30, 2003.
Commercial Capital Bank (the "Bank"), the Company's bank subsidiary, was the
fastest growing banking organization in California, based on percentage growth
in total assets over the 36 months ended June 30, 2003 (source: www.fdic.gov).
The Bank has full service banking offices located at the Company's headquarters
in Irvine, Rancho Santa Margarita, Riverside, and La Jolla, and loan origination
offices in Sacramento, Corte Madera (Marin County), Oakland, Burlingame,
Woodland Hills, Encino, Los Angeles, Irvine, and La Jolla, CA. Commercial
Capital Mortgage, Inc. ("CCM"), the Company's mortgage banking subsidiary, funds
and sells those loans which the Bank elects to assign to CCM. 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.
Commercial Capital Asset Management, Inc., the Company's asset management
subsidiary, provides asset management services to alternative investment funds,
made available to accredited investors.

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. This press release does not
constitute an offer to buy or a solicitation to sell the capital securities.