I would encourage you to have a property examination so that the front, middle and back can be evaluated properly. If the middle of the scalp has less density (more scalp visible) than the back of the scalp, it would suggest that a diagnosis of female balding is likely. Trichoscopy is helpful to confirm miniaturization of hairs in the area. It would appear based in the photos that female balding (also called female pattern hair loss or female androgenetic alopecia) is quite likely but a full and complete exam should be done to confirm. A biopsy is not needed, but a full examination is needed. There are many good options if this is confirmed. The specialist who helps you should take a full history and exclude causes of telogen effluvium too. This often goes along with androgenetic alopecia. Blood tests are mandatory so don’t accept a final diagnosis without proper tests. I can’t say what blood tests you need as I don’t have your full story from birth to the present day. You certainly need ferritin, CBC, TSH but many others could be needed too depending on what your full story shares.