The process of getting a mortgage is supposed to provide an equal playing field for everyone, regardless of their gender. However, recent research by the Urban Institute has found that single women consistently have higher mortgage interest rates than single men, even accounting for income differences.
At the same time, single women get outright declined for a mortgage more than single men when pay is equalized.
This is a problematic concern since much of the mortgage application process revolves around your credit score. As it turns out, women have lower credit scores than men overall, but not by much and certainly not by enough to realize such a disparity in interest rates and mortgage denials.
The research also points out that women make more on-time payments than men regardless of the amount of the loan or the size of the household. What this points to is that women are probably more responsible with a house loan than men, but they are being punished by factors that disproportionately affect them because of their gender.
With the recent push by the credit score industry to prevent public mortgage underwriters from taking more than just a credit score into account when looking at loans, the situation could get worse for women before it gets better.
In any case, raising public awareness of this fact can help to get something done about it. Contacting your representatives to support H.R. 898 (which would allow public mortgage guarantors to take more than just your credit score into account when evaluating a mortgage application) is a good start.