Not tried it, but the Carradice Bagman Quick Release Expedition Saddlebag Rack doesn't require saddle loops.
Until recently I was using something with a similar function, a Lord Uplift, this used to be sold mail order (30-40 years ago) by the chap that made them.
Visible in the first photo in the thread below:
https://thorncyclesforum.co.uk/index.php?topic=12048.0 __________________________________________________
A Carradice Camper Longflap will fit lengthwise on the top of a Thorn rear rack, but I haven't tried to fix a saddlebag to the rack in this position.
It would be easier to hang it off one side, and stabilise it with a strap round one of the rack struts.
But for me, the main point of using a traditional saddlebag is to avoid fitting a rack to the bike. If I have a rack I use pannier bags. Usually just one small one for day rides. For carrying more luggage I use two small, medium or large panniers depending on how much capacity I need.
With a stiff rack (Thorn or Tubus), I don't notice any difference in handling when carrying just one lightly loaded pannier bag.