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The end of the S&L's really ramped up Fannie and Freddie. Local lenders were no longer servicing in house like they used to. The need for securitization grew rapidly. And like someone else said too, some banks flat out won't lend in certain communities. We have some really tough small desert towns in CA and I'm sure in the S&L era it was impossible to get a home loan there.
We don't need the GSEs for random lending in areas no one will lend to. We already have the USDA rural development loan program, which I believe is basically a credit enhancement. You don't need to socialize the entire mortgage industry for the benefit of a tiny few.
The reality is, the US banking industry is the most regulated industry on planet Earth + the entire mortgage industry has been socialized. And with all the regulation and socialization, we have almost an identical homeownership rate as we had 5 decades ago. There is no intellectual justification for this, if the argument is that it will boost homeownership.
the homeownership rate in 2016 actually dropped to the lowest level since the Census Bureau started tracking it in 1965. Only it 2017, it started creeping back up but compared to historical levels, its still low.
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