I've weighed 3 times:
1) At the beginning of this season, so I had a margin load and no water in either tank. This would be what I consider a light load for us.
my CAT scaled pin weight was 16.6%
2) At the height of the summer season and just prior to a 3-week trip. I even had an extra adult staying with us.
my CAT scaled pin weight was 17.1%
3) Just this past weekend with a completely empty fiver as it waits for a trip back to the factory.
my CAT scaled pin weight was 14.8%
And, for the record- doing the math on the dry hitch weight divided by dry weight gives you 15.4%.
The reason being- this camper has dual opposing slides at the rear of the camper. As well as the main living slide spans the axles (some of it forward, some of it rear).
As you can see, the more stuff in the basement and front bedroom- the higher my pin weight, but unless I'm loading bricks or landscaping material in the fiver's basement- I am NOT hitting 20%.