Morgan Hill, CA-based ComUnity Lending is feeling the pinch of a down cycle in the non-prime market and has consolidated its operations in response. Yet, market conditions are returning to a state that is most favorable to the 25-year-old lender, which is aggressively expanding into new territories and plans to increase its volume to $5.5 billion this year, up from last year’s all-channel total of $4.3 billion.