Contact: Stephen H. Gordon
Christopher G. Hagerty Chairman & CEO
EVP & CFO Telephone:
Facsimile: (949) 585-7500
(949) 585-0174

COMMERCIAL CAPITAL BANCORP TO HOST CONFERENCE CALL AND WEBCAST
HIGHLIGHTING SECOND QUARTER 2004 EARNINGS RELEASE

Irvine, CA - July 1, 2004 - Commercial Capital Bancorp, Inc. (the “Company”), (NASDAQ: “CCBI”), announced today that it will release its earnings for the second quarter ended June 30, 2004, before the market opens on Monday, July 26, 2004. At 7:00 a.m. PDT the same day, Stephen H. Gordon, Chairman and CEO, David S. DePillo, Vice Chairman, President and COO, and Christopher G. Hagerty, EVP and CFO, will host a discussion of the Company’s second quarter 2004 performance.

Analysts and investors may listen to the discussion and participate in the question/answer session by using the phone number listed below, or through a live video webcast of the conference available through a link on the home page of Company’s website at www.commercialcapital.com. The multimedia webcast enables conference participants to experience the conference with greater impact by simultaneously viewing the video broadcast as well as tables, charts, and speaker’s notes. The webcast also allows participants to interact with the speakers through a live web-based question and answer session. Windows Media player is required for viewing the video webcast.

Conference Call
Date: Monday, July 26, 2004
Time: 7:00 a.m. PDT (10:00 a.m. EDT)
Phone Number (800) 901-5213
International Dial In (617) 786-2962
Access Code: 95297671 Webcast
Date: Monday, July 26, 2004
Time: 7:00 a.m. PDT (10:00 a.m. EDT)
Webcast URL: www.commercialcapital.com
Windows Media player is required

It is recommended that participants dial into the conference call, or log into the webcast, approximately 5 to 10 minutes prior to the call. For those who are unable to participate in the call or webcast live, an archive of the webcast will be available on the Company’s site at www.commercialcapital.com beginning approximately 2 hours following the end of the call. The archive will be available until August 27, 2004.

Commercial Capital Bancorp, Inc. has approximately $4.7 billion of total assets and $2.4 billion of deposits, without giving effect to purchase accounting adjustments. Commercial Capital Bank (the “Bank”) operates 20 banking offices located in Westlake Village (Ventura County), Tarzana, Malibu, Baldwin Hills, Westchester, Hawthorne, Manhattan Beach, Gardena, Hermosa Beach, Torrance, Redondo Beach (Los Angeles County), Orange, Irvine (3), Rancho Santa Margarita (Orange County), Riverside (Riverside County), La Jolla, Del Mar and San Diego (San Diego County), and 12 lending offices, located in Sacramento, Corte Madera, Burlingame, Oakland, Woodland Hills, Encino, West Los Angeles, El Segundo, Tustin, Irvine, Riverside, and San Diego, California, with plans to open banking offices in Beverly Hills, California in September 2004 and Crystal Cove, California in early 2005. Commercial Capital Bancorp, Inc. was the 4th largest multi-family lender in California during the 12 months ended March 31, 2004 (source: Dataquick Information Systems) and the Bank was the fastest growing savings institution in California, based on percentage growth in total assets over the 36 months ended March 31, 2004 (source: www.fdic.gov).

This release and the aforementioned conference call and webcast may include forward-looking statements related to the 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. The Company undertakes no obligation to revise or publicly release any revision to these forward-looking statements.