{"id":5295,"date":"2022-04-08T15:51:07","date_gmt":"2022-04-08T20:51:07","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=5295"},"modified":"2023-09-28T19:42:19","modified_gmt":"2023-09-29T00:42:19","slug":"then-and-now-the-state-of-female-homeownership","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/mortgage-101\/then-and-now-the-state-of-female-homeownership","title":{"rendered":"Then and Now: The State of Female Homeownership"},"content":{"rendered":"<div class=\"wp-block-post-date\"><time datetime=\"2022-04-08T15:51:07-05:00\">April 8, 2022<\/time><\/div>\n\n\n<p><\/p>\n\n\n\n<p>In recent years, women have become a powerful force in homebuying, <a href=\"https:\/\/www.nar.realtor\/women-home-buyers\" target=\"_blank\" rel=\"noreferrer noopener\">comprising 19% of homebuyers in the U.S.<\/a> But this hasn\u2019t always been the case as historically, women and other minority groups have faced systemic discrimination in housing.<\/p>\n\n\n\n<p>While women and minorities have fought hard over time to attain equal property rights and become a force in today\u2019s homebuying market, many of the long-lasting effects of housing discrimination still remain today.&nbsp;<\/p>\n\n\n\n<p>In order to understand what the future may hold for female homebuyers, let\u2019s take a look at some female homeowner statistics. We\u2019ll cover some key milestones in female homebuying and homeownership history that have brought us to where we are today as the number of female homebuyers in the market continues to grow.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where we\u2019ve been<\/h2>\n\n\n\n<p>Following the Great Depression and WWII, the percentage down payment for buying a home decreased substantially from previous norms. This meant that loans were generally more accessible than they had been in the past \u2013 but they were also riskier. Creditors had more money at stake, which led them to enact more stringent income requirements.&nbsp;<\/p>\n\n\n\n<p>Decades later in the wake of the Civil Rights Movement, the <a href=\"https:\/\/www.hud.gov\/program_offices\/fair_housing_equal_opp\/aboutfheo\/history\" target=\"_blank\" rel=\"noreferrer noopener\">1968 Fair Housing Act outlawed discrimination<\/a> on the basis of race, ethnicity, and religion. This was a pivotal first step toward creating a more equitable housing market for those who had historically faced discrimination and redlining \u2013 except for women.&nbsp;<\/p>\n\n\n\n<p>While married or widowed women had some lending power, women as a whole still faced obstacles in getting a loan or credit from a bank. It was even legal for a lender not to consider a woman\u2019s income at all. And it was also common for lenders to make inquiries around a married woman&#8217;s ability to balance a career with being a mother before providing a loan. A woman had to promise in writing that she would continue to work even if she were to have a child (or another child) in an agreement known as a \u201cbaby letter.\u201d&nbsp;<\/p>\n\n\n\n<p>Lenders also sometimes <a href=\"https:\/\/www.realtor.com\/news\/trends\/untold-history-discrimination-against-women-seeking-mortgages\/\" target=\"_blank\" rel=\"noreferrer noopener\">required letters from a woman\u2019s doctor stating she was on birth control<\/a>. There are even extreme accounts of lenders <a href=\"https:\/\/www.realtor.com\/news\/trends\/untold-history-discrimination-against-women-seeking-mortgages\/\" target=\"_blank\" rel=\"noreferrer noopener\">requiring women to be sterilized in order to consider their income toward a mortgage<\/a>.<br><\/p>\n\n\n\n<p>The Fair Housing Act did not outlaw discrimination based on gender until 1974, when the Housing and Community Development Act expanded the law to include gender. The Equal Credit Opportunity Act in 1974 also prohibited discrimination in any aspect of a credit transaction, including mortgages.&nbsp;<\/p>\n\n\n\n<p>While cases of housing discrimination against women persisted, it was in the early 1980s \u2013 when the U.S. saw a decreasing gender wage gap and an increased percentage of households helmed by women \u2013&nbsp; that single female homebuyers began to eclipse single male homebuyers for the first time.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where we are<\/h2>\n\n\n\n<p>Female homeownership has since come a long way. Single women made up 19% of all homebuyers in 2021, according to <a href=\"https:\/\/www.nar.realtor\/women-home-buyers\" target=\"_blank\" rel=\"noreferrer noopener\">data from The National Association of Realtors<\/a>. That percentage has been on the rise since 2014, when it <a href=\"https:\/\/www.nar.realtor\/women-home-buyers\" target=\"_blank\" rel=\"noreferrer noopener\">stood at 15%<\/a>.<br><\/p>\n\n\n\n<p>Trailing just behind married couples in numbers, single women are the second largest homebuying group in both the first-time homebuyers and repeat homebuyer categories. They also <a href=\"https:\/\/www.nar.realtor\/sites\/default\/files\/documents\/2021-home-buyers-and-sellers-generational-trends-03-16-2021.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">outnumber both unmarried couples and single men<\/a>.&nbsp;<\/p>\n\n\n\n<p>The women\u2019s homeownership rate \u2014 determined by the number of homeowners amongst female-headed households \u2014 has evolved to match this trend. It was 61% in 2019, up from 51 % in 1990, according to a study from the Urban Institute.&nbsp;<\/p>\n\n\n\n<p>While this steady increase in female ownership signals some positive change, discrimination against female homebuyers persists in various ways. Another Urban Institute study showed that while women are less likely to default on a mortgage than men, women often still face higher mortgage rates than men. And while it\u2019s worth noting that women on the whole have lower incomes and also credit scores than men, this gap isn\u2019t enough to account for the disparity in interest rates that they receive.<br><br>The same study from the Urban Institute shows that single borrowers \u2013 particularly women \u2013 are also more likely to receive higher-priced mortgages. About 15.6 percent of female borrowers have higher-priced mortgages (using the <a href=\"https:\/\/www.consumerfinance.gov\/data-research\/hmda\/\" target=\"_blank\" rel=\"noreferrer noopener\">Home Mortgage Disclosure Act<\/a> definition which changes over time), compared to 15 percent of male borrowers, 7.6 percent of male\/female borrowers and 12.6 percent of female\/male borrowers. Virtually <a href=\"https:\/\/www.urban.org\/research\/publication\/women-are-better-men-paying-their-mortgages\" target=\"_blank\" rel=\"noreferrer noopener\">all subprime mortgages<\/a> (higher risk mortgages that are available to those with low credit ratings) fall into this higher priced mortgage category.<\/p>\n\n\n\n<p>Women also carry a larger mortgage burden beyond just higher interest rates. Single borrowers, particularly women, have smaller mortgages that eat up more of their income. The average loan size for female only borrowers is $176,400; it is $202,900 for male only borrowers, $222,700 for male\/female borrowers and $213,200 for female\/male borrowers.\u00a0<\/p>\n\n\n\n<p>A closer look at the data also shows that women of color are also disproportionately impacted, as well: Just under 23 percent of female only borrowers lived in census tracts that were majority minority (where the minority population is greater than 50%), <a href=\"https:\/\/www.urban.org\/research\/publication\/women-are-better-men-paying-their-mortgages\" target=\"_blank\" rel=\"noreferrer noopener\">according to data from Urban Institute<\/a>. By comparison, the number is 20.6% for male borrowers.<\/p>\n\n\n\n<p><br>Despite these factors, women default on mortgages less frequently than men, even if they have&nbsp; slightly weaker credit characteristics. This suggests that lenders are not accurately evaluating the different financial factors that predict a borrower\u2019s credit performance. And it matters \u2013 <a href=\"https:\/\/www.urban.org\/research\/publication\/women-are-better-men-paying-their-mortgages\" target=\"_blank\" rel=\"noreferrer noopener\">a higher percentage of female-only borrowers are denied mortgages<\/a> than their male only counterparts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where we\u2019re going<\/h2>\n\n\n\n<p>The COVID-19 pandemic has also had a notable impact on women in the workforce in a number of ways.&nbsp;<\/p>\n\n\n\n<p>Women are more likely to be working in industries that were hit hardest by COVID-19, such as the food and hospitality sectors. Additionally, <a href=\"https:\/\/fortune.com\/2022\/02\/04\/womens-workforce-participation-has-plummetedheres-how-to-reverse-the-trend-pandemic-labor-shortage-diversity-economy-tami-forman\/\" target=\"_blank\" rel=\"noreferrer noopener\">many women were forced to exit the labor force<\/a> as the unprecedented demands of employment, caregiving responsibilities and even schooling during a global pandemic collided.&nbsp;<\/p>\n\n\n\n<p>The result has been a sharper drop in the labor force participation rate for women than for men, which may further widen the gender disparity in earnings. If these job losses are permanent, this could slow or even reverse the positive trend in women\u2019s homeownership rates that we have observed during the past 30 years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What does this all mean?<\/h2>\n\n\n\n<p>Female homebuyers are looking at a vastly different landscape than the previous generation. Women have power in the homebuying space and continue to make up an increasing share of buyers.&nbsp;<\/p>\n\n\n\n<p>That said, they still feel the effects of systemic discrimination that makes it both more difficult to acquire a loan and offers them less competitive loans than men. Much of this imbalance rests along deeply rooted economic, racial and demographic lines.&nbsp;<\/p>\n\n\n\n<p>There are a number of factors that need to be addressed both inside the mortgage industry and beyond. But as we move forward, there\u2019s a tremendous opportunity for technology to play a role in continuing to level the playing field and provide platforms that ensure women are able to get access to fair home financing. And there is more attention than ever on ensuring that housing is a means of economic mobility for all kinds of people.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Resources&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Realtor.com \u2013 <a href=\"https:\/\/www.realtor.com\/news\/trends\/untold-history-discrimination-against-women-seeking-mortgages\/\" target=\"_blank\" rel=\"noreferrer noopener\">A Forgotten Chapter in U.S. History: When Women Had To Choose Between Mortgages and Motherhood<br><\/a>The Urban Institute \u2013 <a href=\"https:\/\/www.urban.org\/sites\/default\/files\/publication\/84206\/2000930-Women-Are-Better-Than-Men-At-Paying-Their-Mortgages.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Women Are Better than Men at Paying Their Mortgages<\/a><\/li>\n\n\n\n<li>The Urban Institute \u2013 <a href=\"https:\/\/www.urban.org\/research\/publication\/three-decade-decline-homeownership-gender-gap\/view\/full_report\" target=\"_blank\" rel=\"noreferrer noopener\">A Three-Decade Decline in the Homeownership Gender Gap<\/a><\/li>\n\n\n\n<li>The Urban Institute \u2013 <a href=\"https:\/\/www.urban.org\/urban-wire\/more-women-have-become-homeowners-and-heads-household-could-pandemic-undo-progress\" target=\"_blank\" rel=\"noreferrer noopener\">More Women Have Become Homeowners and Heads of Household. Could the Pandemic Undo That Progress?<\/a><\/li>\n\n\n\n<li>National Association of Realtors \u2013 <a href=\"https:\/\/www.nar.realtor\/women-home-buyers\" target=\"_blank\" rel=\"noreferrer noopener\">Women Home Buyers<\/a><\/li>\n\n\n\n<li>National Association of Realtors \u2013 <a href=\"https:\/\/www.nar.realtor\/sites\/default\/files\/documents\/2021-home-buyers-and-sellers-generational-trends-03-16-2021.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">2021 Home Buyers and Sellers Generational Trends Report<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>In recent years, women have become a powerful force in homebuying, comprising 19% of homebuyers&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5288,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[6],"tags":[74,100],"series":[],"class_list":["post-5295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-101","tag-credit-score","tag-homeownership"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Then and Now: The State of Female Homeownership | Morty Resources<\/title>\n<meta name=\"description\" content=\"While women continue to gain traction as a powerful force in homebuying, this hasn\u2019t always been the case. 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