SYS9009
WARNINGOfficial message text · UCDP UAD 3.6 System Findings (2026-08-04)
Unreferenced Appraisal Image in XML File: {filename}.
Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.
What triggers SYS9009
A photo exists in the ZIP that the XML never references. It won't block the submission by itself, but it usually means the package and the report got out of sync.
How to fix it
Remove stray files, or re-export so the package matches the report. The finding names the unreferenced file.
The free UADCheck inspection evaluates SYS9009 automatically — attach your package and see in seconds whether it fires.
Begin inspection →Related messages
- SYS9001 FatalAppraisal data in invalid format: Line {m}/Position {n}: {message}.…
- SYS9003 FatalMissing Appraisal Report PDF File.…
- SYS9004 FatalMismatched PDF File Name: PDF reference {reference} in XML file does n…
- SYS9006 FatalMore than One Appraisal Report PDF File.…
- SYS9007 FatalInvalid Appraisal Report PDF File.…
- SYS9008 WarningMissing Appraisal Image in Zip File: {filename}.…
Source: UCDP UAD 3.6 System Findings (2026-08-04) (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.