What is the fine-grained topic of the following text: Despite low interest rates, the U.S. home ownership rate fell for the eighth straight year in 2012, from 66.1 percent to 65.4 percent, reflecting a net loss of 161,000 homeowners for the year, according to the report by the Joint Center for Housing Studies of Harvard University. Only return the topic.
Decline in U.S. Home Ownership Rate in 2012