UPI.com reports that there may be a large shadow inventory of foreclosed homes in the American Heartland. The reason: no data is collected from small lenders or lenders that operate exclusively in rural areas. Homeowners in the heartland struggle with many of the same factors that plague urban and suburban owners: unemployment, falling values, underwater mortgages, difficulties obtaining credit and shrinking numbers of buyers. The report says the Federal Reserve expects 2.25 million foreclosure filings this year, same number again next year and about 2 million more in 2012, but those estimates don’t include a large chunk of rural America. In rural areas, manufactured housing makes up 16 percent of rural homes, more than twice the national rate.