What causes female pattern hair loss?

What causes female pattern hair loss? You are most likely asking this because thinning has already started and you want a name for it before choosing a treatment. This page covers that first stage.
Start with how common it is
The page at www.aad.org gives the starting fact: "FPHL is actually the most-common cause of hair loss in women." Female pattern hair loss is not a rare exception. It is the leading explanation when a woman notices thinning, which is why that page asks the question in its own title: Thinning hair and hair loss: Could it be female pattern hair loss?
Reading further without guessing
Naming the pattern is not the same as knowing the cause in your own case. MedlinePlus keeps a broader page on hair loss and alopecia that places female pattern loss next to other forms, including alopecia areata. If your thinning does not look like the pattern that page describes, that wider page is the better map.
Treatment reading once the diagnosis is settled
Once a diagnosis is settled, the conversation moves to options. Two papers are worth reading at that stage: Platelet-Rich Plasma in Aesthetic Dermatology: Current Evidence and Future Directions and an evaluation of scalp therapy using injectable platelet-rich fibrin in women with excessive hair loss. Read them as the next stage, not as the first one.
Thinning that does not fit the pattern
Thinning that does not fit the pattern changes the plan. In that case the first step is getting the right name for it, and treatment comes after.