Causes and Risk Factors
Escherichia coli (E. coli) causes about 80% of UTIs in adults. These bacteria are normally present in the colon and may enter the urethral opening from the skin around the anus and genitals. Women may be more susceptible to UTI because their urethral opening is near the source of bacteria (e.g., anus, vagina) and their urethra is shorter, providing bacteria easier access to the bladder. Other bacteria that cause urinary tract infections include Staphylococcus saprophyticus (5 to 15% of cases), Chlamydia trachomatis, and Mycoplasma hominis. Men and women infected with chlamydia trachomatis or mycoplasma hominis can transmit the bacteria to their partner during sexual intercourse, causing UTI.
Sexual intercourse triggers UTI in some women, for unknown reasons. Women who use a diaphragm develop infections more often, and condoms with spermicidal foam may cause the growth of E. coli in the vagina, which may enter the urethra.
heres some info on the subject
as you'll see its caused from bacteria usually fecal matter that get into the urethra.
also, bacteria from you or her might be present when you guys have sex.
im not sure what the w/ or w/out condom would have anything to do w/ it unless the semen is getting into her urethra but i don't think that causes it either.
