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  <xs:element id="figr_MarketableSecuritiesFairValueOption" abstract="false" name="MarketableSecuritiesFairValueOption" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CryptoAssetsNoncurrent" abstract="false" name="CryptoAssetsNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ServicingLiabilityCurrent" abstract="false" name="ServicingLiabilityCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LongTermDebtCurrentFairValue" abstract="false" name="LongTermDebtCurrentFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_EcosystemAndTechnologyFees" abstract="false" name="EcosystemAndTechnologyFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_GainLossOnServicingAssetNet" abstract="false" name="GainLossOnServicingAssetNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_OperationsAndProcessingExpense" abstract="false" name="OperationsAndProcessingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercised" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_EquityDilutionDuringPeriodValue" abstract="false" name="EquityDilutionDuringPeriodValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_StockIssuedDuringPeriodSharesInExchangeOfEquity" abstract="false" name="StockIssuedDuringPeriodSharesInExchangeOfEquity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_StockIssuedDuringPeriodValueInExchangeOfEquity" abstract="false" name="StockIssuedDuringPeriodValueInExchangeOfEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_StockIssuedDuringPeriodSharesNewIssuesAdjustments" abstract="false" name="StockIssuedDuringPeriodSharesNewIssuesAdjustments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_StockIssuedDuringPeriodValueNewIssuesAdjustments" abstract="false" name="StockIssuedDuringPeriodValueNewIssuesAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_MergerStockExchangedSharesIssued" abstract="false" name="MergerStockExchangedSharesIssued" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_MergerStockExchangedValueShareIssued" abstract="false" name="MergerStockExchangedValueShareIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_GainLossOnSaleOfLoansNetOfRealizedLossOnFutures" abstract="false" name="GainLossOnSaleOfLoansNetOfRealizedLossOnFutures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_GainLossOnDispositionOfCryptoAssets" abstract="false" name="GainLossOnDispositionOfCryptoAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CryptoAssetImpairment" abstract="false" name="CryptoAssetImpairment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_NoncashDivestitureDissolutionOfSubsidiary" abstract="false" name="NoncashDivestitureDissolutionOfSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ProceedsFromSaleOfLoansOperatingActivities" abstract="false" name="ProceedsFromSaleOfLoansOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_OriginationsOfLoansHeldForSaleOperating" abstract="false" name="OriginationsOfLoansHeldForSaleOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PurchasesOfLoansHeldForSaleOperating" abstract="false" name="PurchasesOfLoansHeldForSaleOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ProceedsFromPrincipalPaymentsOnLoansHeldForSaleOperating" abstract="false" name="ProceedsFromPrincipalPaymentsOnLoansHeldForSaleOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_IncreaseDecreaseInAccountsPayableAndOtherLiabilities" abstract="false" name="IncreaseDecreaseInAccountsPayableAndOtherLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PrincipalPaymentsOnMarketableSecuritiesInvesting" abstract="false" name="PrincipalPaymentsOnMarketableSecuritiesInvesting" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ProceedsFromServicingActivityOnBehalfOfThirdPartyLoanOwners" abstract="false" name="ProceedsFromServicingActivityOnBehalfOfThirdPartyLoanOwners" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_NonCashPrincipalPaymentsOnDebt" abstract="false" name="NonCashPrincipalPaymentsOnDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_NonCashPrincipalPaymentsOnDebtRelatedParties" abstract="false" name="NonCashPrincipalPaymentsOnDebtRelatedParties" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ReceiptOfLiquidityPoolTokens" abstract="false" name="ReceiptOfLiquidityPoolTokens" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_SaleOfLiquidityPoolTokens" abstract="false" name="SaleOfLiquidityPoolTokens" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_RelatedPartyDebtIssuedAtReceiptOfLiquidityPoolTokens" abstract="false" name="RelatedPartyDebtIssuedAtReceiptOfLiquidityPoolTokens" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_UnrealizedLossesOnFutures" abstract="false" name="UnrealizedLossesOnFutures" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DistributionsFromInvestment" abstract="false" name="DistributionsFromInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_StockBasedCompensationIncludedInCapitalizedInternallyDevelopedSoftware" abstract="false" name="StockBasedCompensationIncludedInCapitalizedInternallyDevelopedSoftware" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_MarketableSecuritiesRetainedInSecuritizationTransactions" abstract="false" name="MarketableSecuritiesRetainedInSecuritizationTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_CryptoAssetsContributionFromRelatedParty" abstract="false" name="CryptoAssetsContributionFromRelatedParty" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_OtherCapitalContributions" abstract="false" name="OtherCapitalContributions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_OtherCapitalCharges" abstract="false" name="OtherCapitalCharges" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ScheduleOfLoansHeldForSaleAndOtherReceivablesTableTextBlock" abstract="false" name="ScheduleOfLoansHeldForSaleAndOtherReceivablesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="figr_ScheduleOfLoansHeldForSaleFairValueDisclosureTableTextBlock" abstract="false" name="ScheduleOfLoansHeldForSaleFairValueDisclosureTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="figr_FigureTechnologiesInc.Member" abstract="true" name="FigureTechnologiesInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ThirdPartyShareholdersMember" abstract="true" name="ThirdPartyShareholdersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_RelatedPartiesHoldersOfFTIStockMember" abstract="true" name="RelatedPartiesHoldersOfFTIStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_IPOShareholdersMember" abstract="true" name="IPOShareholdersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_IPOOverAllotmentOptionMember" abstract="true" name="IPOOverAllotmentOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ControllingPartyMember" abstract="true" name="ControllingPartyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ReverseAcquisitionNumberOfOutstandingSharesConvertedIntoCommonStockOfAcquiree" abstract="false" name="ReverseAcquisitionNumberOfOutstandingSharesConvertedIntoCommonStockOfAcquiree" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_NumberOfAffiliatedCorporationsUnderCommonControl" abstract="false" name="NumberOfAffiliatedCorporationsUnderCommonControl" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_NumberOfCorporationsOwnedDirectlyOrIndirectly" abstract="false" name="NumberOfCorporationsOwnedDirectlyOrIndirectly" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_MarketableSecuritiesMember" abstract="true" name="MarketableSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SoftwarePurchasedMember" abstract="true" name="SoftwarePurchasedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_CustomerThreeMember" abstract="true" name="CustomerThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_CustomerFourMember" abstract="true" name="CustomerFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoanToValueRatio" abstract="false" name="LoanToValueRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_RevisionOfPriorPeriodAsAdjustedMember" abstract="true" name="RevisionOfPriorPeriodAsAdjustedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_PurchaseOfMarketableSecuritiesOperating" abstract="false" name="PurchaseOfMarketableSecuritiesOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ProceedsFromSaleOfMarketableSecuritiesOperating" abstract="false" name="ProceedsFromSaleOfMarketableSecuritiesOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PrincipalPaymentsOnMarketableSecuritiesOperating" abstract="false" name="PrincipalPaymentsOnMarketableSecuritiesOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PurchaseOfMarketableSecuritiesInvesting" abstract="false" name="PurchaseOfMarketableSecuritiesInvesting" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ProceedsFromSaleOfMarketableSecuritiesInvesting" abstract="false" name="ProceedsFromSaleOfMarketableSecuritiesInvesting" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_TreasuryNoteFutureMember" abstract="true" name="TreasuryNoteFutureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_CashAndCashEquivalentsExcludingPaymentStablecoins" abstract="false" name="CashAndCashEquivalentsExcludingPaymentStablecoins" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PaymentStablecoins" abstract="false" name="PaymentStablecoins" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_SubServicerReceivable" abstract="false" name="SubServicerReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_AccountsReceivableOtherCurrent" abstract="false" name="AccountsReceivableOtherCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_EcosystemAndTechnologyFeesMember" abstract="true" name="EcosystemAndTechnologyFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_TechnologyOfferingFeesMember" abstract="true" name="TechnologyOfferingFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_EcosystemFeesMember" abstract="true" name="EcosystemFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ProgramFeesMember" abstract="true" name="ProgramFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_EcosystemAndTechnologyFeesIncludingProgramFeesMember" abstract="true" name="EcosystemAndTechnologyFeesIncludingProgramFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_OtherFeeIncome" abstract="false" name="OtherFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CapitalizedComputerSoftwareUsefulLife" abstract="false" name="CapitalizedComputerSoftwareUsefulLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_InvestmentGradeDebtSecuritiesMember" abstract="true" name="InvestmentGradeDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_BelowInvestmentGradeDebtSecuritiesMember" abstract="true" name="BelowInvestmentGradeDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ResidualInterestSecuritiesMember" abstract="true" name="ResidualInterestSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_CollateralizedDebtSecuritiesUnderRepurchaseAgreementsMember" abstract="true" name="CollateralizedDebtSecuritiesUnderRepurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_NumberOfNonratedSecurities" abstract="false" name="NumberOfNonratedSecurities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_BitcoinBTCMember" abstract="true" name="BitcoinBTCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_EthereumETHMember" abstract="true" name="EthereumETHMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SolanaSOLMember" abstract="true" name="SolanaSOLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_UnitedStatesDollarTetherUSDTMember" abstract="true" name="UnitedStatesDollarTetherUSDTMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_KaminoLiquidityPoolsMember" abstract="true" name="KaminoLiquidityPoolsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_HASHMember" abstract="true" name="HASHMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_AssetTypeAxis" abstract="true" name="AssetTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
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  <xs:element id="figr_HeldAtCostMember" abstract="true" name="HeldAtCostMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LiabilityForLoanOriginationsCollateralizedByDigitalAssets" abstract="false" name="LiabilityForLoanOriginationsCollateralizedByDigitalAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CryptoAssetsHeldAsCollateralAbstract" abstract="true" name="CryptoAssetsHeldAsCollateralAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_DigitalAssetsHeldForSaleAbstract" abstract="true" name="DigitalAssetsHeldForSaleAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_CryptoAssetCarryingValue" abstract="false" name="CryptoAssetCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CryptoAssetNumberOfUnitsSubjectToLockUpPeriod" abstract="false" name="CryptoAssetNumberOfUnitsSubjectToLockUpPeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_CryptoAssetsHeldAsCollateralMember" abstract="true" name="CryptoAssetsHeldAsCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ProvenanceBlockchainFoundationTermNoteSettlement" abstract="false" name="ProvenanceBlockchainFoundationTermNoteSettlement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CryptoAssetPurchaseIncreaseDecrease" abstract="false" name="CryptoAssetPurchaseIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CryptoAssetSalesIncreaseDecrease" abstract="false" name="CryptoAssetSalesIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DomesticSolanaFundMember" abstract="true" name="DomesticSolanaFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_FigSIXMember" abstract="true" name="FigSIXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_JAMFINTOPMember" abstract="true" name="JAMFINTOPMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_TotalEquityMethodInvestmentsMember" abstract="true" name="TotalEquityMethodInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MeasurementAlternativeInvestmentsMember" abstract="true" name="MeasurementAlternativeInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_EquityInvestmentsMember" abstract="true" name="EquityInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_EquityMethodInvestmentsAndAlternativeInvestments" abstract="false" name="EquityMethodInvestmentsAndAlternativeInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ServicingAssetLoansManagedNumberOfLoans" abstract="false" name="ServicingAssetLoansManagedNumberOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_CollateralizedLoanServicingRights" abstract="false" name="CollateralizedLoanServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ServicingOfFinancialAssetsRollForward" abstract="true" name="ServicingOfFinancialAssetsRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" abstract="false" name="ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_LoansUnderlyingServicingAssetsMember" abstract="true" name="LoansUnderlyingServicingAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_PersonalLoansMember" abstract="true" name="PersonalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_OtherLoansMember" abstract="true" name="OtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoansHeldForSaleMember" abstract="true" name="LoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoansHeldForSaleAtFairValueCollateralizedUnderRepurchaseAgreements" abstract="false" name="LoansHeldForSaleAtFairValueCollateralizedUnderRepurchaseAgreements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableBenchmarkMember" abstract="true" name="FinancingReceivableBenchmarkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoanOriginationsRiskMember" abstract="true" name="LoanOriginationsRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_TopFiveOriginatorsMember" abstract="true" name="TopFiveOriginatorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_TopFiveLoanPurchasersMember" abstract="true" name="TopFiveLoanPurchasersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleNonaccrual" abstract="false" name="FinancingReceivableHeldForSaleNonaccrual" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestment" abstract="false" name="LoansHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PrincipalAmountOutstandingOnLoansOriginated" abstract="false" name="PrincipalAmountOutstandingOnLoansOriginated" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PrincipalAmountOutstandingOnLoansPurchased" abstract="false" name="PrincipalAmountOutstandingOnLoansPurchased" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancialAssetForbearanceMember" abstract="true" name="FinancialAssetForbearanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoansHeldForSaleAbstract" abstract="true" name="LoansHeldForSaleAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleTransfersFromHeldForInvestmentToHeldForSale" abstract="false" name="FinancingReceivableHeldForSaleTransfersFromHeldForInvestmentToHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleOriginations" abstract="false" name="FinancingReceivableHeldForSaleOriginations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSalePrincipalPayments" abstract="false" name="FinancingReceivableHeldForSalePrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleChangeInFairValue" abstract="false" name="FinancingReceivableHeldForSaleChangeInFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleLoansNotYetRepurchased" abstract="false" name="FinancingReceivableHeldForSaleLoansNotYetRepurchased" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentAbstract" abstract="true" name="LoansHeldForInvestmentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentAtFairValue" abstract="false" name="LoansHeldForInvestmentAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentTransfersFromHeldForInvestment" abstract="false" name="LoansHeldForInvestmentTransfersFromHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentPurchases" abstract="false" name="LoansHeldForInvestmentPurchases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentOriginations" abstract="false" name="LoansHeldForInvestmentOriginations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentSalesNetOfRepurchases" abstract="false" name="LoansHeldForInvestmentSalesNetOfRepurchases" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentPrincipalPayments" abstract="false" name="LoansHeldForInvestmentPrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentChangeInFairValue" abstract="false" name="LoansHeldForInvestmentChangeInFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentLoansNotYetRepurchased" abstract="false" name="LoansHeldForInvestmentLoansNotYetRepurchased" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_DigitalAssetLoanFacilityMember" abstract="true" name="DigitalAssetLoanFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_FCCCertificatesMember" abstract="true" name="FCCCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_DemocratizedPrimeYLDSDebtMember" abstract="true" name="DemocratizedPrimeYLDSDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FundingDebtMember" abstract="true" name="FundingDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MSRFinancingMember" abstract="true" name="MSRFinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FinancedRetainedInterestsMember" abstract="true" name="FinancedRetainedInterestsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LongTermDebtExcludingDebtAtFairValue" abstract="false" name="LongTermDebtExcludingDebtAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentQuarterlyVariableExitFeeBasisFirstPrincipalBalanceRepurchasedAmount" abstract="false" name="DebtInstrumentQuarterlyVariableExitFeeBasisFirstPrincipalBalanceRepurchasedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentRepurchaseExitFeePercentage" abstract="false" name="DebtInstrumentRepurchaseExitFeePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_DebtInstrumentVariableExitFeeBasisPrincipalBalanceRepurchasedExceedingAmount" abstract="false" name="DebtInstrumentVariableExitFeeBasisPrincipalBalanceRepurchasedExceedingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodAmount" abstract="false" name="DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodMaximumAmount" abstract="false" name="DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodMaximumAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentExitFeeRepurchasedNonSecuritizedLoanAmountMaximum" abstract="false" name="DebtInstrumentExitFeeRepurchasedNonSecuritizedLoanAmountMaximum" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_RecourseDebtMember" abstract="true" name="RecourseDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_NonrecourseDebtMember" abstract="true" name="NonrecourseDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_RevolvingCreditFacilityUpsizeOptionMember" abstract="true" name="RevolvingCreditFacilityUpsizeOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_DebtInstrumentExitFeePercentage" abstract="false" name="DebtInstrumentExitFeePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_DebtInstrumentExitFeeAmountAnnualMaximum" abstract="false" name="DebtInstrumentExitFeeAmountAnnualMaximum" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmount" abstract="false" name="AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmountPercentage" abstract="false" name="AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmountPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanAmount" abstract="false" name="AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanPercenatge" abstract="false" name="AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanPercenatge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_LineOfCreditFacilityCommittedBorrowingCapacityAmount" abstract="false" name="LineOfCreditFacilityCommittedBorrowingCapacityAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentVariableRateFloor" abstract="false" name="DebtInstrumentVariableRateFloor" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_DebtInstrumentVariableRateAndBasisSpreadMinimum" abstract="false" name="DebtInstrumentVariableRateAndBasisSpreadMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_NumberOfVotesForEachShareOfCommonStockHeld" abstract="false" name="NumberOfVotesForEachShareOfCommonStockHeld" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_TotalCommonStockAndPreferredStockSharesAuthorized" abstract="false" name="TotalCommonStockAndPreferredStockSharesAuthorized" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_TotalCommonStockAndPreferredStockSharesIssued" abstract="false" name="TotalCommonStockAndPreferredStockSharesIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_TotalCommonStockAndPreferredStockSharesOutstanding" abstract="false" name="TotalCommonStockAndPreferredStockSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_RestrictedStockUnitsAbstract" abstract="true" name="RestrictedStockUnitsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingAdjustmentNumber" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingAdjustmentNumber" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_SeriesSeedPreferredStockMember" abstract="true" name="SeriesSeedPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SeriesC1PreferredStockMember" abstract="true" name="SeriesC1PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SeriesC2PreferredStockMember" abstract="true" name="SeriesC2PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SeriesEPreferredSharesInExchangeForSoftwareLicenseMember" abstract="true" name="SeriesEPreferredSharesInExchangeForSoftwareLicenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_PreferredSharesInExchangeForOneYearOfSoftwareDevelopmentServicesMember" abstract="true" name="PreferredSharesInExchangeForOneYearOfSoftwareDevelopmentServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SeriesEPreferredSharesInExchangeForTwoYearsOfOtherServicesMember" abstract="true" name="SeriesEPreferredSharesInExchangeForTwoYearsOfOtherServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_A2018EquityIncentivePlanMember" abstract="true" name="A2018EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_A2024EquityIncentivePlanMember" abstract="true" name="A2024EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_A2025IncentiveAwardPlanMember" abstract="true" name="A2025IncentiveAwardPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightGrantedShares" abstract="false" name="ClassOfWarrantOrRightGrantedShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightExercisedShares" abstract="false" name="ClassOfWarrantOrRightExercisedShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_ClassOfWarrantsOrRightsForfeituresAndExpirations" abstract="false" name="ClassOfWarrantsOrRightsForfeituresAndExpirations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentWarrantActivityOutstandingWeightedAverageExercisePriceRollforwardAbstract" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentWarrantActivityOutstandingWeightedAverageExercisePriceRollforwardAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightOutstandingWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightOutstandingWeightedAverageExercisePrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightIssuedDuringPeriodWeightedAveragePricePerShare" abstract="false" name="ClassOfWarrantOrRightIssuedDuringPeriodWeightedAveragePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightExercisedWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightExercisedWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightForfeituresAndExpirationsWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightForfeituresAndExpirationsWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightExercisableAtPeriodEndWeightedAveragePricePerShare" abstract="false" name="ClassOfWarrantOrRightExercisableAtPeriodEndWeightedAveragePricePerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentWarrantActivityWeightedAverageGrantDateFairValueAbstract" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentWarrantActivityWeightedAverageGrantDateFairValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightOutstandingGrantDateFairValue" abstract="false" name="ClassOfWarrantOrRightOutstandingGrantDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightGrantedGrantDateFairValue" abstract="false" name="ClassOfWarrantOrRightGrantedGrantDateFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightExercisedGrantDateFairValue" abstract="false" name="ClassOfWarrantOrRightExercisedGrantDateFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightForfeituresAndExpirationsGrantDateFairValue" abstract="false" name="ClassOfWarrantOrRightForfeituresAndExpirationsGrantDateFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightExercisableFairValue" abstract="false" name="ClassOfWarrantOrRightExercisableFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightOutstandingWeightedAverageGrantDateFairValue" abstract="false" name="ClassOfWarrantOrRightOutstandingWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_ClassOfWarrantOrRightOutstandingIntrinsicValue" abstract="false" name="ClassOfWarrantOrRightOutstandingIntrinsicValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightOutstandingWeightedAverageExercisePeriod" abstract="false" name="ClassOfWarrantOrRightOutstandingWeightedAverageExercisePeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightExercisableWeightedAverageExercisePeriod" abstract="false" name="ClassOfWarrantOrRightExercisableWeightedAverageExercisePeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_MarketBasedRSUsMember" abstract="true" name="MarketBasedRSUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ShareBasedPaymentArrangementTrancheFourMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_CommonStockThresholdTradingDays" abstract="false" name="CommonStockThresholdTradingDays" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_OperationsAndProcessingExpenseMember" abstract="true" name="OperationsAndProcessingExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsGrantedToDateGross" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsGrantedToDateGross" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedNumber" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedNumber" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardCliffFeatureVestingPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardCliffFeatureVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_FigureREITMember" abstract="true" name="FigureREITMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_OffshoreSolanaFundMember" abstract="true" name="OffshoreSolanaFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember" abstract="true" name="ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage" abstract="false" name="SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_A2018PlanMember" abstract="true" name="A2018PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_RestrictedStockUnitsUnvestedMember" abstract="true" name="RestrictedStockUnitsUnvestedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FigureCertificateMember" abstract="true" name="FigureCertificateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ThirdPartyOwnersMember" abstract="true" name="ThirdPartyOwnersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_NoncontrollingInterestInLimitedPartnershipsSoldPercentage" abstract="false" name="NoncontrollingInterestInLimitedPartnershipsSoldPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_LoanManagedAndSecuritizedOrAssetBackedFinancingArrangementWeightedAverageDelinquencyRate" abstract="false" name="LoanManagedAndSecuritizedOrAssetBackedFinancingArrangementWeightedAverageDelinquencyRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_FinancingReceivableExcludingAccruedInterestNumberOfDaysDelinquent" abstract="false" name="FinancingReceivableExcludingAccruedInterestNumberOfDaysDelinquent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_JointVentureMember" abstract="true" name="JointVentureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FinancingReceivableTermToBorrowUndrawnFunds" abstract="false" name="FinancingReceivableTermToBorrowUndrawnFunds" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_FinancingReceivableModifiedCommitmentToLendSettledWithinAWeek" abstract="false" name="FinancingReceivableModifiedCommitmentToLendSettledWithinAWeek" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_GainLossOnLoansRepurchaseObligations" abstract="false" name="GainLossOnLoansRepurchaseObligations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LossContingencyUnpaidPrincipalBalanceOfObligationsToRepurchaseReceivablesSold" abstract="false" name="LossContingencyUnpaidPrincipalBalanceOfObligationsToRepurchaseReceivablesSold" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ProvenanceTermNoteMember" abstract="true" name="ProvenanceTermNoteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ProvenanceServiceAgreementMember" abstract="true" name="ProvenanceServiceAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_EmployeeMember" abstract="true" name="EmployeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_CryptoAssetTokenValuePerUnit" abstract="false" name="CryptoAssetTokenValuePerUnit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_CryptoAssetNumberOfUnitsToBeReturned" abstract="false" name="CryptoAssetNumberOfUnitsToBeReturned" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_RoyaltyFeePercentage" abstract="false" name="RoyaltyFeePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_SoftwareLicenseAgreementTerm" abstract="false" name="SoftwareLicenseAgreementTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_ProceedsFromCollectionOfFinanceReceivablesPrincipal" abstract="false" name="ProceedsFromCollectionOfFinanceReceivablesPrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ProceedsFromCollectionOfFinanceReceivablesInterest" abstract="false" name="ProceedsFromCollectionOfFinanceReceivablesInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_SoftwareLicenseAgreementAutomaticRenewalTerm" abstract="false" name="SoftwareLicenseAgreementAutomaticRenewalTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_RestrictedCashAndCashEquivalentsFairValueDisclosure" abstract="false" name="RestrictedCashAndCashEquivalentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DistressedAssetsFairValueDisclosure" abstract="false" name="DistressedAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DerivativeAssetStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" abstract="false" name="DerivativeAssetStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_DigitalAssetCollateralRepaymentObligationLiabilityFairValueDisclosure" abstract="false" name="DigitalAssetCollateralRepaymentObligationLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CertificateRepaymentObligationLiabilityFairValueDisclosure" abstract="false" name="CertificateRepaymentObligationLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_MeasurementInputConstantDiscountRateMember" abstract="true" name="MeasurementInputConstantDiscountRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MeasurementInputServicingRateMember" abstract="true" name="MeasurementInputServicingRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MarketableSecuritiesFairValueOptionMeasurementInput" abstract="false" name="MarketableSecuritiesFairValueOptionMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="figr_FairValueSensitivityAxis" abstract="true" name="FairValueSensitivityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="figr_FairValueSensitivityDomain" abstract="true" name="FairValueSensitivityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ImpactOfMinus2PercentageMember" abstract="true" name="ImpactOfMinus2PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactMinus1PercentageMember" abstract="true" name="ChangeImpactMinus1PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactPlus1PercentageMember" abstract="true" name="ChangeImpactPlus1PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactPlus2PercentageMember" abstract="true" name="ChangeImpactPlus2PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactMinus20PercentageMember" abstract="true" name="ChangeImpactMinus20PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactMinus10PercentageMember" abstract="true" name="ChangeImpactMinus10PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactPlus10PercentageMember" abstract="true" name="ChangeImpactPlus10PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactPlus20PercentageMember" abstract="true" name="ChangeImpactPlus20PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ServicingAssetNetOfAdjustments" abstract="false" name="ServicingAssetNetOfAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_EffectiveIncomeTaxRateReconciliationNondeductibleExpensePermanentDifferencePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpensePermanentDifferencePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_DeferredTaxAssetLeasingArrangements" abstract="false" name="DeferredTaxAssetLeasingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DeferredTaxLiabilitiesServicingAssetAndOtherAdjustments" abstract="false" name="DeferredTaxLiabilitiesServicingAssetAndOtherAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DeferredTaxLiabilitiesRightOfUseAssets" abstract="false" name="DeferredTaxLiabilitiesRightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DeferredTaxLiabilitiesMarkToMarket" abstract="false" name="DeferredTaxLiabilitiesMarkToMarket" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PublicOfferingMember" abstract="true" name="PublicOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ShareRepurchaseMember" abstract="true" name="ShareRepurchaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ProceedsFromSaleOfBlockchainStock" abstract="false" name="ProceedsFromSaleOfBlockchainStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_MichaelCagneyMember" abstract="true" name="MichaelCagneyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MichaelTannenbaumMember" abstract="true" name="MichaelTannenbaumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MichaelTannenbaumClassACommonStockMember" abstract="true" name="MichaelTannenbaumClassACommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MichaelTannenbaumRestrictedStockUnitsMember" abstract="true" name="MichaelTannenbaumRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MacrinaKgilMember" abstract="true" name="MacrinaKgilMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ToddStevensMember" abstract="true" name="ToddStevensMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ToddStevensClassACommonStockMember" abstract="true" name="ToddStevensClassACommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ToddStevensRestrictedStockUnitsMember" abstract="true" name="ToddStevensRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
