My Springfield XD was the same way. After a few mags, it started to loosen up.
I got a mag feeder, a little plastic thingy to push the top round into a mag and make it easier to load the next round, for the wife. It really helped her out, and helped me overcome the 'tough last round' for both mags. After 10-12 mags full, it was broken in enough to hand load.