moniharris23 invisimech Have either of you moved your mods folder out of the "The Sims 4" folder and timed your loading to Main Menu? IOW, have you tried loading a vanilla game? Just because you turn off mods and CC in Game Options, the game still loads the folder if it is there. Then done it again with the folder in the game? Just to see the difference? You'll probably be surprised what the difference is. And you will find that the amount (number and total size) of mods and CC you have affects it as one might expect, CC more so than mods. The more you have, the slower it will be. And if anything is broken, even if it doesn't affect gameplay, it will slow loading down even more. You'd be surprised just much it does if you do a thorough file by file run through of your CC looking at everything you have individually with Sims4Studio to check the tagging and make sure it actually works and shows up in your game.
But you're right that the game does seem to take more time loading, even a vanilla game. I've noticed it myself. Idk why but I suspect that the game is taking more time to load due to efforts by the devs to solve the causes of save corruption that has been hitting players these last couple of years. More thorough file checking is probably going on or something similar. And what would you rather have, faster loading or better odds that your save won't corrupt?? But that is just a guess. Idk for a fact.
So, all that said, you can do something to speed up loading yourselves. Simply reduce the amount of CC you have. Go through everything you have individually looking at it and making sure the tags are set properly (or how you want them). Make sure the item actually shows up in the 3D model and in the game properly. You need to check every swatch too. Remove anything you find broken. And while you're at it, remove all the stuff you have that you don't actually use. When I cleaned out my CC a few years ago, I found over 100 files that were broken from day 1 and ended up dumping nearly 2/3 of my CC because I hardly ever used it. I kept just the stuff I used a lot. As a result, my game ran so much smoother and loaded way faster. The benefits of doing the cleanout were definitely worth it.
Hope this helps.
Info: luthienrising