So if it had such a big impact, it should be easy to show data to support such a claim. Where is your data?
And you're attempting to move the goal posts once again here - by merging the two categories. Face it, you have zero evidence to back up the idea that the government actually EVER forced a bank or mortgage company to make loans. Trying to now say "the govt then tried to make these loans make economic sense" is just a junk argument.
Govt said that if your loan portfolio doesn't contain enough loans to certain people, you'll be shut down.
Govt then tried to make those loans make economic sense.
Yes, some folks arguably would have made those loans otherwise, but some wouldn't.