It can be rather difficult to get an accurate body fat percentage merely from pictures. You have to remember that generally, pictures will only give you an idea subcutaneous fat but not so much visceral fat (unless you have so much that it causes visible abdominal extension). Visceral fat is that which exists in the abdominal cavity and so lies around your organs. (It could range from very little to around 2 litres without much extension, so could make up over 4% of your body weight).
For yourself, you seem to look quite healthy. You might be upset with your level of body fat but generally women have a higher body fat percentage than men, something which is important for their function as child bearers. Instead of trying to merely lose more weight, which will probably cause you to lose further weight off of your bottom, breasts and thighs on top of the intended waist or abdomen, you could maybe do some light weight training or something like that to increase your muscle mass. This would make you look like you have less fat (which you would as a body percentage seeing as your total weight would increase) without getting so thin that you lose fat in the more attractive areas of your body i.e. your bottom and breasts.