Keep in mind that the GIR, p.13, states that, with regard to geocoding:
If the property is located outside the MSAs where you have a home or branch office (or outside any MSA) and you are not required to report data under the Community Reinvestment Act (CRA), you may enter the applicable codes or you may enter “NA” in every column.
This is one of the items that may change with the CFPB gets around to the new HMDA data collection rules.