Single-female borrowers are better at paying their mortgage than single-male borrowers, according to federal Home Mortgage Disclosure Act and CoreLogic data, but female-only mortgage applicants are still more likely to be to be denied loans compared to male-only applicants, reports MarketWatch staffer Daniel Goldstein.

Nearly one-in-four (23%) of female would-be borrowers were denied mortgage loans compared to 21% of male-only applicants in 2014.

For loans made between 2008 and 2010, 9.6% of female-borrower only loans were 90-days delinquent, compared to 9.7% of male-only borrowers, the Urban Institute said. For 2011 through 2014, 2.14% of single females were 90-days past due, compared to 2.2% of single-male borrowers.

The Urban Institute noted that women are often held back because they don’t have as long of a credit history as men and they likely have more debt and live in poorer neighborhoods. One-third of single female borrowers are also minority, the Urban Institute noted.

“The ability for somebody to get a loan should be based on their income and their credit,” said Bryan Sullivan, the chief financial officer of loanDepot,com, in Foothill Ranch, Calif., which is the second-largest online lender in the U.S. behind QuickenLoans. “It’s irrespective of whether they are married or not,” he said.

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