Commercial Capital Bancorp, Inc. Announces New Banking Location

Commercial Capital Bancorp, Inc. (the "Company")
(NASDAQ:CCBI) announced today that its bank subsidiary, Commercial
Capital Bank (the "Bank"), has entered into a lease agreement to open
a banking office in Valencia, California. The new banking office,
which is scheduled to open in the Spring of 2006, located in the
Valencia Promenade at Town Center, on the corner of Magic Mountain
Parkway and McBean Parkway, represents a continuation of the expansion
of the retail component of the Company's depository franchise.
   The new banking office will be located at 27067 McBean Parkway, in
the heart of Valencia, which is at the center of Newhall, Newhall
Ranch, and Santa Clarita, all high growth communities in northern Los
Angeles County. Other Valencia Promenade businesses include Cold Stone
Creamery, Gymboree, Homegoods, Jamba Juice, McDonald's, Olive Garden,
Pavilions, Peet's Coffee & Tea, Postal Connections of America, Pure
Beauty, Rubio's Baja Grill, Sprint PCS, Stuart Anderson's Black Angus,
Supercuts, and Tilly's.
   Commercial Capital Bancorp, Inc. is a diversified financial
services company, with $5.2 billion of total assets, at September 30,
2005. The Company provides depository and lending products and
services through 22 banking and 10 lending offices under the
Commercial Capital Bank brand name, and provides 1031 exchange
services to income property investors nationwide through its presence
in 14 markets and 10 states under the TIMCOR Exchange Corporation and
North American Exchange Company brand names.
   This press release 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.