19.3% of home purchase mortgages made in 2025 had a single borrower who was a woman, according to the Federal Housing Finance Agency’s National Mortgage Database. 34.2% had a single male borrower, 44.9% had two borrowers and 1.7% had more than two.
In 2019, 20.8% of loans had a single female borrower, 34.6% a single male borrower and 43.4% two borrowers.
The share of loans to a single woman was highest in Delaware (24.3%), Georgia (24.1%) and the District of Columbia (23.9%), and lowest in Wyoming (11.0%). West Virginia had the highest share of single male borrowers, 41.6%. Two-borrower loans were most common in Vermont (60.8%) and least common in Georgia (37.5%).
By state
| State | Single female borrower | Single male borrower | Two borrowers | More than two | Single female, 2019 |
|---|---|---|---|---|---|
| Delaware | 24.3% | 32.1% | 43.2% | 0.3% | 26.2% |
| Georgia | 24.1% | 37.4% | 37.5% | 1.0% | 26.3% |
| District of Columbia | 23.9% | 26.5% | 48.5% | 1.1% | 28.3% |
| Maryland | 23.8% | 30.5% | 44.2% | 1.4% | 25.9% |
| South Carolina | 22.9% | 35.9% | 40.0% | 1.2% | 23.7% |
| Illinois | 22.7% | 34.3% | 41.9% | 1.1% | 22.8% |
| Connecticut | 22.2% | 34.6% | 41.9% | 1.3% | 22.8% |
| Mississippi | 22.0% | 39.4% | 38.3% | 0.3% | 23.7% |
| Ohio | 21.9% | 37.1% | 40.0% | 0.9% | 22.7% |
| Alaska | 21.6% | 34.4% | 42.7% | 1.3% | 21.1% |
| Louisiana | 21.3% | 39.7% | 38.5% | 0.5% | 22.5% |
| North Carolina | 21.3% | 35.3% | 42.2% | 1.1% | 22.7% |
| New Mexico | 21.2% | 30.3% | 46.9% | 1.6% | 21.8% |
| Alabama | 20.8% | 39.9% | 38.5% | 0.8% | 22.6% |
| Kentucky | 20.8% | 36.4% | 41.9% | 0.9% | 23.1% |
| Iowa | 20.7% | 33.9% | 43.8% | 1.6% | 20.4% |
| Virginia | 20.6% | 33.3% | 44.6% | 1.6% | 21.9% |
| Michigan | 20.3% | 40.0% | 38.5% | 1.2% | 22.5% |
| Missouri | 20.3% | 34.7% | 43.8% | 1.1% | 21.2% |
| Rhode Island | 20.2% | 33.1% | 45.4% | 1.3% | 23.0% |
| Indiana | 20.1% | 37.6% | 41.3% | 1.0% | 22.5% |
| Florida | 19.8% | 34.7% | 43.7% | 1.8% | 21.9% |
| Pennsylvania | 19.7% | 35.8% | 43.5% | 1.0% | 22.7% |
| Minnesota | 19.5% | 31.7% | 47.8% | 1.1% | 21.2% |
| New York | 19.5% | 34.5% | 43.2% | 2.8% | 21.7% |
| Maine | 19.3% | 32.5% | 47.0% | 1.2% | 24.2% |
| Arkansas | 19.2% | 34.8% | 45.0% | 1.0% | 21.7% |
| Nevada | 18.8% | 33.8% | 45.0% | 2.5% | 20.1% |
| Oklahoma | 18.2% | 36.2% | 44.7% | 0.9% | 19.3% |
| Massachusetts | 18.1% | 27.4% | 52.2% | 2.3% | 21.2% |
| Montana | 18.0% | 31.4% | 48.0% | 2.6% | 17.5% |
| Arizona | 17.7% | 31.4% | 48.6% | 2.3% | 20.9% |
| California | 17.6% | 30.4% | 48.3% | 3.7% | 17.3% |
| New Jersey | 17.6% | 31.1% | 48.7% | 2.5% | 20.5% |
| West Virginia | 17.6% | 41.6% | 40.1% | 0.7% | 21.3% |
| Wisconsin | 17.6% | 30.0% | 51.0% | 1.5% | 18.8% |
| Tennessee | 17.4% | 35.1% | 46.3% | 1.2% | 22.0% |
| Texas | 17.2% | 36.6% | 44.8% | 1.4% | 18.0% |
| Colorado | 16.9% | 30.6% | 50.5% | 2.0% | 18.3% |
| Kansas | 16.7% | 34.6% | 47.7% | 1.1% | 20.0% |
| Oregon | 16.5% | 26.9% | 53.8% | 2.7% | 19.3% |
| Hawaii | 16.1% | 29.3% | 47.4% | 7.3% | 15.1% |
| South Dakota | 16.0% | 31.6% | 52.1% | 0.2% | 16.8% |
| Washington | 16.0% | 27.8% | 53.9% | 2.3% | 16.4% |
| Nebraska | 14.6% | 34.0% | 49.7% | 1.6% | 16.8% |
| Vermont | 14.2% | 23.8% | 60.8% | 1.2% | 16.0% |
| North Dakota | 13.3% | 37.3% | 48.6% | 0.8% | 16.8% |
| Idaho | 12.8% | 26.6% | 57.4% | 3.1% | 14.8% |
| New Hampshire | 12.0% | 32.2% | 54.7% | 1.1% | 18.1% |
| Utah | 11.2% | 33.0% | 53.6% | 2.3% | 14.6% |
| Wyoming | 11.0% | 39.3% | 47.4% | 2.3% | 18.5% |
50 states and D.C., sorted by the 2025 share with a single female borrower. The four groups add to about 100% for each state apart from FHFA rounding.
What these numbers are
The National Mortgage Database is a 1-in-20 sample of closed-end first-lien mortgages drawn from Experian credit files and linked to other records. FHFA publishes the figures already rounded and weighted to represent all such mortgages. These are home purchase loans only, not refinances.
The data count borrowers on the loan, not everyone living in the home. A married couple where only one spouse signs the mortgage shows up as a single borrower. FHFA's published figures do not break two-borrower loans down by sex.
The National Association of Realtors reported that single women made up 21% of all home buyers in its 2025 Profile of Home Buyers and Sellers. That survey includes cash buyers and counts buyers rather than loans, so it measures something different.
Source
Federal Housing Finance Agency, National Mortgage Database (NMDB®) aggregate statistics, new mortgage statistics, annual, states and national, market "All Mortgages (Home Purchase)" (series PCT_FEMALEBOR, PCT_MALEBOR, PCT_TWOBOR and PCT_MULTIBOR), downloaded October 28, 2026. Credit: FHFA, National Mortgage Database (NMDB®). U.S. government data in the public domain. National Association of Realtors, 2025 Profile of Home Buyers and Sellers. Our table is available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Mortgage Borrowers by Sex and Number of Borrowers," My Credit Guide, October 28, 2026, https://mycreditguide.org/data/mortgage-borrowers-by-sex-by-state/.