This may be the hard way, but I have printed maps off of a census website, www.census.gov
, and if my software cannot geocode, then I go to the map, locate the address and geocode manually. I update these maps annually and keep a copy on file.
My bank is in a rural area, but one of our offices is in an MSA, so that made us a HMDA bank. I also have a book of maps of my state called the Atlas and Gazatteer to help me pinpoint a location.