Now I pay for a subscribtion to Ancestry.com and find your Loretta Lambert age 40, single b. PA/parents PA, in the 1930 U.S Census listed as a Nurse in a U.S. Naval Hospital in Portsmith, Portsmith County, VA and reported she is a veteran of WWI. She is also a Navy Nurse in census for 1920, age 30, single, b. PA/parents PA, Balboa Park Naval Hospital, San Diego, San Diego County, CA.
So she enlisted before or for WWI and served WWII she was was a retired from the Navy. Naval Service records were not stored at the NARA in 1973 when they had a fire so hers should be available.