Does anybody have extra skin from losing just 20 pounds???

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Hi guys!

So I know it's typical to have extra skin when you lose a lot weight say 100+ or even less or so, BUT what about just 20 pounds??? I have like all this extra skin. its' not like saggy or anything, it's just... extra. like if you pinch my back or my stomach you can grab like a handful of extra skin. my fiance says it's just my body but i swear it's not true and that it's from losing weight so im just wondering if theres anybody else there who has lost a small amount like me but still has this skin issue