It happened here in Miichigan. Saginaw has a high crime rate with lots of drugs and home invasions. There are no state laws requiring firearms to be kept unloaded and I don't believe Saginaw has that requirement either.
Was it a .38 or was it a .380 she used? To a reporter they are the same thing. Unless she was using a .38 Super, I'd wager she had a .380. Even reporters know what a 9m/m is so if that was the caliber, that would have been reported. Since she was to have loaded the magazine and then loaded the pistol, it may be agood bet that she did not use a revolver, which leads us back to .380.
Now, I do not think that she loaded a magazine and then loaded the pistol before confronting the three. If she was able to do that, she was calmer than 99% of the population. How many of us would be able to grab a magazine, open a box of cartridges, load a magazine and then load a pistol knowing that three armed men, who are willing to shoot, are in the other room and be able to do it in a short period of time?
Anyway, she did well against great odds and deserves the thanks of all.