Okay I don’t have friends to ask…, but I have relatives and a lot of my parents’ friend circle and a lot of them apparantly own their homes… and apparantly there are a few that even own rental properties…
(USA, their social circle varies from Seattle, Boston, NYC, and Philly)
I’m with my parents and they own this house…
People almost exclusively consider it “home ownership” even if you still have a mortgage.
Then I am an outlier. To me, until you paid it off it belongs to a bank.