Have you checked the condition of the king pin thrust bearings? If the correct loader is fitted it should not make any major difference to the load needed to turn the steering. If the loader is fully raised it will be easier to turn than if it was half way. Check the tyre pressures. For normal duty loader work there should be between 35 and 35 psi in them. If the thrust bearings are worn (photo-extreme case) the bearings will be ineffective. A gap of up to about 1/8" will indicate worn but servicable bearings. Look for any signs of grease reaching them. The bearings shown in the photo had collapsed. This MF 240 did not have a loader fitted.....but neither were they greased.!!!!
DavidP, South Wales