The fact is it's Bungie's sh ittty servers and terrible optimization.
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That's not how it works..
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Maybe you should have explained how it works then.
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Well dedicated severs would help a little.. but its mostly down to your console it can only load things so fast, if it bothers you that much you should consider getting a SSD.
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I upgraded to an ssd thinking it would make a huge difference but it does not. It's still a bit annoying when loading into strikes/competitive and I still get the occasional loading in mid air. Pretty much everything except maps/textures are done through bungie's servers. Dedicated servers + SSD/HDD based loading would make a huge difference. Just look at every other game that does this.
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That's not how it works..