[Refactor] cleanup lora load logic

[glenliu21]

Motivation

Some of this code is unnecessarily duplicated.

Checklist

• Format your code according to the Format code with pre-commit.
• Follow the SGLang code style guidance.

Review Process

1. Ping Merge Oncalls to start the PR flow. See the PR Merge Process.
2. Get approvals from CODEOWNERS and other reviewers.
3. Trigger CI tests with comments or contact authorized users to do so.
   • /tag-run-ci-label, /rerun-failed-ci, /tag-and-rerun-ci
4. After green CI and required approvals, ask Merge Oncalls to merge.

[gemini-code-assist]

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