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 accommodatorsubsidiaries, has further expanded its national presence by hiring twonew Business Development Managers and entering the North and SouthCarolina markets, markets that are key to NAEC's core growth strategy.Jason Gillespie will be based in Charlotte and serve as BusinessDevelopment Manager for NAEC in the Carolinas. Mr. Gillespie holds abachelor's degree from the University of North Carolina at Chapel Hilland most recently worked in mortgage finance for IndyMac Bank, wherehe consistently earned top producer status. Additionally, NAEC hiredMark Nierenberg who will be based in Denver and serve as the ColoradoBusiness Development Manager for NAEC. Mr. Nierenberg most recentlyworked as an associate attorney for Kissinger & Fellman P.C., amid-sized Denver area law firm specializing in business law, realestate and estate planning. Mr. Nierenberg holds a bachelor's degreefrom the University of Vermont and a Juris Doctorate from theUniversity of Denver.

NAEC is a "qualified intermediary," which facilitates tax-deferredreal estate exchanges pursuant to Section 1031 of the Internal RevenueCode. NAEC facilitates 1031 exchanges nationwide through itsheadquarters in Walnut Creek, California, offices in Long Beach and LaJolla, California; and Scottsdale, Arizona; and a presence in SanFrancisco, and Los Angeles, California; Seattle, Washington; LasVegas, 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 andthe Bank had total deposits of $2.7 billion. The Bank operates bankingoffices 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 inCorte Madera, San Mateo, Oakland, Encino, Glendale, Los Angeles, ElSegundo, Irvine, Riverside, and La Jolla, California, with plans toopen a banking office in the Crystal Cove Promenade in Newport Coast,California in 2005. The Bank was the 3rd largest multi-family lenderin California during the 12 months ended June 30, 2005 (source:Dataquick Information Systems). The Company is a leading Section1031-exchange accommodator and facilitates exchange transactionsnationwide through the TIMCOR and North American Exchange Companybrand names through the companies' headquarters in Los Angeles andWalnut Creek, California, respectfully, offices located in Long Beachand La Jolla, California; Scottsdale, Arizona; Houston, Texas;Chicago, Illinois; and Miami, Florida and through a presence inSeattle, Washington; Las Vegas, Nevada; Denver, Colorado; Dallas,Texas; Charlotte, North Carolina; and Washington, DC.

This press release may include forward-looking statements relatedto the Company's plans, beliefs and goals, which involve certainrisks, and uncertainties that could cause actual results to differmaterially from those in the forward-looking statements. Such risksand uncertainties include, but are not limited to, the followingfactors: competitive pressure in the banking industry; changes in theinterest rate environment; the health of the economy, eithernationally or regionally; the deterioration of credit quality, whichwould cause an increase in the provision for possible loan and leaselosses; changes in the regulatory environment; changes in businessconditions, particularly in California real estate; volatility of ratesensitive deposits; asset/liability matching risks and liquidityrisks; and changes in the securities markets. The Company undertakesno obligation to revise or publicly release any revision to theseforward-looking statements.