Our wonderful government just recently put guidelines in place that make it even tougher for lenders to make small loans like this. It's called the high cost mortgage rule. Basically, if closing costs as a percentage of the loan amount exceed a certain amount, the loan won't qualify. And since it costs about the same dollar for dollar, sometimes more, to process a $20,000 loan or a $200,000 loan, this creates a problem.
Not to mention that banks are capped on what they can charge you, so they can't make these loans profitable for them.
So a small local bank might be able to absorb the loss in the hopes that they can make money off you from credit cards, bank accounts, car loans, etc.
Wish I had better direction for you, but that is probably your best bet.