oops my bad, but my comments still apply. Generally speaking men will hold fat on abs/chest, women generally thighs but thats just a generality.remember its a she .. the OP is a female!
If the op even eats remotely clean and exercises as much as she says she does losing fat shouldn't be a difficult task and if it is there are likely hormonal issues.
The web is full of personal testimonials from people who have tried every diet and every exercise program under the sun for years and still cant easily alter their body composition. Sure, many of them are simply slackers but many of them suffer nutritional deficiencies which dont allow for their body to function optimally and the result is stubborn fat.