In most (if not all) states, “loaded” is defined as having ammunition in the firearm, whether a round is chambered or not. Having a loaded magazine with an empty chamber in semi-auto handguns, or having an otherwise full cylinder, but with an empty cell in the “active” location of the cylinder of a revolver WILL, in most cases, constitute having a loaded firearm.

If a state restricts “loaded” weapons, the best advice is to keep the ammo AWAY from the firearm.

It is unlawful to carry a loaded firearm on any public street without a permit.
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Notice that the law says it is unlawful to carry a “loaded” firearm on any public street. You can open carry as long as there is not a round in the chamber.

According to this Utah government site:
http://www.des.utah.gov/bci/FirearmLaws.html

Quote: It is lawful to carry a firearm “capable of being concealed” in one’s home or place of business without a permit.

It is unlawful to carry a loaded firearm on any public street without a permit.
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