Commercial Capital Bancorp, Inc. Announces That Subsidiary, North American Exchange Company, Expands into the Carolinas

Commercial Capital Bancorp, Inc. (the "Company")
(NASDAQ:CCBI), announced today that North American Exchange Company
("NAEC"), one of the Company's 1031 exchange accommodator
subsidiaries, has further expanded its national presence by hiring two
new Business Development Managers and entering the North and South
Carolina markets, markets that are key to NAEC's core growth strategy.
Jason Gillespie will be based in Charlotte and serve as Business
Development Manager for NAEC in the Carolinas. Mr. Gillespie holds a
bachelor's degree from the University of North Carolina at Chapel Hill
and most recently worked in mortgage finance for IndyMac Bank, where
he consistently earned top producer status. Additionally, NAEC hired
Mark Nierenberg who will be based in Denver and serve as the Colorado
Business Development Manager for NAEC. Mr. Nierenberg most recently
worked as an associate attorney for Kissinger & Fellman P.C., a
mid-sized Denver area law firm specializing in business law, real
estate and estate planning. Mr. Nierenberg holds a bachelor's degree
from the University of Vermont and a Juris Doctorate from the
University of Denver.
   NAEC is a "qualified intermediary," which facilitates tax-deferred
real estate exchanges pursuant to Section 1031 of the Internal Revenue
Code. NAEC facilitates 1031 exchanges nationwide through its
headquarters in Walnut Creek, California, offices in Long Beach and La
Jolla, California; and Scottsdale, Arizona; and a presence in San
Francisco, and Los Angeles, California; Seattle, Washington; Las
Vegas, Nevada; Denver, Colorado; Dallas, Texas; Miami, Florida;
Charlotte, North Carolina; and Washington, DC.

   About Commercial Capital Bancorp, Inc.

   At June 30, 2005, the Company had total assets of $5.2 billion and
the Bank had total deposits of $2.7 billion. The Bank operates banking
offices located in Westlake Village (Ventura County), Tarzana, Malibu,
Beverly Hills, Baldwin Hills, Westchester, Hawthorne, Manhattan Beach,
Gardena, Hermosa Beach, Torrance, Redondo Beach (Los Angeles County),
Orange, Irvine, Rancho Santa Margarita (Orange County), Riverside
(Riverside County), La Jolla, Del Mar, San Diego (San Diego County),
and San Mateo (San Mateo County), and lending offices, located in
Corte Madera, San Mateo, Oakland, Encino, Glendale, Los Angeles, El
Segundo, Irvine, Riverside, and La Jolla, California, with plans to
open a banking office in the Crystal Cove Promenade in Newport Coast,
California in 2005. The Bank was the 3rd largest multi-family lender
in California during the 12 months ended June 30, 2005 (source:
Dataquick Information Systems). The Company is a leading Section
1031-exchange accommodator and facilitates exchange transactions
nationwide through the TIMCOR and North American Exchange Company
brand names through the companies' headquarters in Los Angeles and
Walnut Creek, California, respectfully, offices located in Long Beach
and La Jolla, California; Scottsdale, Arizona; Houston, Texas;
Chicago, Illinois; and Miami, Florida and through a presence in
Seattle, Washington; Las Vegas, Nevada; Denver, Colorado; Dallas,
Texas; Charlotte, North Carolina; and Washington, DC.
   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.