More home buyers need a little help from a friend to make their first home purchase work.

Nearly one-fourth of all purchase loans in the United States during the second quarter of 2017 included a co-borrower, according to the second quarter 2017 U.S. Residential Property Loan Origination Report.

According to the study, by Irvine, Calf.-based Attom Data Solutions, 22.8 percent of purchase loans included a co-borrower, compared to 21.3 percent in the second quarter of 2016.

Co-borrowers are defined as non-married borrowers listed on the mortgage or deed of trust. In some cases, these are partners purchasing a home together and in others these loans could include friends or relatives buying together.

Co-borrowers are often the parents of buyers whose credit and income may be insufficient to qualify for a loan.

The prevalence of co-borrowers is higher in cities with expensive housing. Among the areas in the country with the highest share of co-borrowers during the second quarter were San Jose, Calif. (51 percent), Miami (45 percent), Seattle (39 percent), Los Angeles (31 percent), San Diego (29 percent) and Portland, Ore. (29 percent).

The cities with the lowest share of co-borrowers have less costly housing: Memphis (10 percent), Mesa, Ariz. (13 percent), Oklahoma City (14 percent), Gilbert, Ariz. (14 percent) and Henderson, Nev. (15 percent).

For the full report, click here.

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