Yeah, I think I found a sweet spot in the yard where the loop nulls the worst local RFI. The rest is up to propagation.
It seems mostly sensitive to sky wave, so it's not a great MW loop, but is very good on HF up to around 10 MHz. It's working best without a ground - the ground was introducing RFI below 4 MHz. Now I can hear WWV on 2500 surprisingly early, usually before dark even in summer.
I also removed the ferrite chokes from the TV cable feed line. It was actually worsening the white noise. Just one of those things you have to experiment with. The cable runs right next to a couple of outdoor air conditioners on concrete pads, so I thought the ground wire and ferrite chokes might help, but the antenna is doing better without those.