Please I need help

So , I'll try to make it short , I simply can't lose my virginity , it happened today for the second time.

First of all , I'm not gay , I get hard seeing girls and watching straight porn , I love a woman bouncing in front of me while she walks , I masturbate without problem at all ,and I'm just twenty years old.

first time it was with a whore and I was half drunk , she twerked at me , sucked my dick , she was 8/10 and old , I always thought about getting laid with a milf, but no matter what she did my ######6 dick wouldn't go hard , so instead I just kept teasing and sucking her all the time.

Now today it was with an acctually hot girl , nineteen years old , very nice skinny body just the way I like , nice tits and WONDERFUL booty , after hours of talking and $#%^, we started it , I made it as slow and calm as I could , kissed a lot and all, when we finally got naked and we started rubbing against each other , my ######6 dick wouldn't go hard!!! She even asked her gay friend to come suck my dick to make it hard , didn't like the idea initially but as I was failing I decided to give it a try, she said he was an expert at blowjob and even then my dick wouldn't go hard.

What's the problem ? I know you are about to say nervous but I wasn't ######6 nervous , not at all ,and also I don't have erection problems masturbating at all, in fact it goes easily hard most of the times.

I masturbate a whole lotta so I guess that's the problem , I guess my over masturbation is desensitizing my penis because the problem seemed to be that my penis was understimulated in both occasions, although the girl is hot , even when they suck my dick it seems to be indifferent like it has no pleasure in being sucked or rubbed against a human body. I want to get inside her but it's like my penis is "meh".

I just won't stop masturbating because I bet it'll be a long time till I get this opportunity again and I can't predict it. Both times it happened in the spur of the moment.

And I'm afraid to try it again because no way everyone can know I'm like this, it will suck because no woman will be attracted at me and , as a bonus, guys will have this weapon against me.

Any kind of input is appreciated thanks guys and girls.

PS: I wasn't nervous at all in the moment , Could there be any other underlying psychological problem that is not anxiety?

Well since masturbation works, you know that your physical plumbing is OK.
Your line calling a 'woman a whore and you were half-drunk' may raise a flag. Neither is getting off to a good start.
We can't diagnose you here, but maybe an in-person evaluation with a counselor or therapist would be the first thing to do?
Best of luck to you.