This picture demonstrates what I mean with an aerial view of the Scherer power plant in Georgia. The red line marks the length of the train, and the white line marks the station. As you can see the train is at least 7-8 times the length of the coal unloading platform.
This image is a recreation of the same area in OTTD with the same marking lines for demonstration.
So, my question, is how would I (or anyone else) go about eliminating the loading/unloading penalty? Is that possible with newgrfs, or would it require a patch?