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  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan90PercentAndLessThanOrEqualTo100PercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan90PercentAndLessThanOrEqualTo100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan100PercentLoansRecordedInvestmentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan100PercentLoansRecordedInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fnm_PaymentDeferralAndExtendedMaturityMember" abstract="true" name="PaymentDeferralAndExtendedMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_PaymentDeferralExtendedMaturityAndContractualInterestRateReductionMember" abstract="true" name="PaymentDeferralExtendedMaturityAndContractualInterestRateReductionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_FinancingReceivableRestructuredLoansNotConsideredTDRsAmortizedCost" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsAmortizedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableRestructuredLoansNotConsideredTDRsPercentOfTotalFinancingReceivable" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsPercentOfTotalFinancingReceivable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_FinancingReceivableModifiedInPeriodLoansPaidOffRepurchasedOrSoldDuringPeriod" abstract="false" name="FinancingReceivableModifiedInPeriodLoansPaidOffRepurchasedOrSoldDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableRestructuredLoansNotConsideredTDRsWeightedAverageInterestRateReduction" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsWeightedAverageInterestRateReduction" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="fnm_FinancingReceivableRestructuredLoansNotConsideredTDRsAverageCapitalizedAmount" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsAverageCapitalizedAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fnm_ForbearanceAndRepaymentPlansAndTrialModificationMember" abstract="true" name="ForbearanceAndRepaymentPlansAndTrialModificationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_FinancingReceivableAllowanceForCreditLossAndOtherIncludingAccruedInterest" abstract="false" name="FinancingReceivableAllowanceForCreditLossAndOtherIncludingAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableAllowanceForCreditLossOtherIncludingAccruedInterest" abstract="false" name="FinancingReceivableAllowanceForCreditLossOtherIncludingAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fnm_FinancialGuaranteesandMaximumRecoveryLineItems" abstract="true" name="FinancialGuaranteesandMaximumRecoveryLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_FreddieMacCollateralIncludedInFannieMaeCommingledSecurity" abstract="false" name="FreddieMacCollateralIncludedInFannieMaeCommingledSecurity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fnm_SeniorFixedBenchmarkNotesAndBondsMember" abstract="true" name="SeniorFixedBenchmarkNotesAndBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorFixedMediumTermNotesMember" abstract="true" name="SeniorFixedMediumTermNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorFixedOtherDebtMember" abstract="true" name="SeniorFixedOtherDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorFloatingDebtMember" abstract="true" name="SeniorFloatingDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorFloatingMediumTermNotesMember" abstract="true" name="SeniorFloatingMediumTermNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorFloatingOtherDebtMember" abstract="true" name="SeniorFloatingOtherDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_TotalRiskManagementDerivativesPortfolioMember" abstract="true" name="TotalRiskManagementDerivativesPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_PayFixedSwapMember" abstract="true" name="PayFixedSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fnm_MortgageCommitmentsToPurchaseWholeLoansMember" abstract="true" name="MortgageCommitmentsToPurchaseWholeLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ForwardContractsToPurchaseMortgageRelatedSecuritiesMember" abstract="true" name="ForwardContractsToPurchaseMortgageRelatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ForwardContractsToSellMortgageRelatedSecuritiesMember" abstract="true" name="ForwardContractsToSellMortgageRelatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fnm_OtherNoninterestExpenseExcludingChangeInExpectedCreditEnhancementRecoveries" abstract="false" name="OtherNoninterestExpenseExcludingChangeInExpectedCreditEnhancementRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fnm_OriginalLoanToValueRatio9001To100Member" abstract="true" name="OriginalLoanToValueRatio9001To100Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThanOneHundredPercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThanOneHundredPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_Loans30To59DaysPastDuePercentageOfUnpaidPrincipalBalance" abstract="false" name="Loans30To59DaysPastDuePercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_Loans60To89DaysPastDuePercentageOfUnpaidPrincipalBalance" abstract="false" name="Loans60To89DaysPastDuePercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="fnm_NumberOfLoans60To89DaysPastDuePercentage" abstract="false" name="NumberOfLoans60To89DaysPastDuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_NumberOfLoansSeriouslyDelinquentPercentageByCategory" abstract="false" name="NumberOfLoansSeriouslyDelinquentPercentageByCategory" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_PercentageOfUnpaidPrincipalBalanceOfLoans" abstract="false" name="PercentageOfUnpaidPrincipalBalanceOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_OriginalLoanToValueRatioGreaterThanEightyPercentMember" abstract="true" name="OriginalLoanToValueRatioGreaterThanEightyPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_OriginalLoanToValueRatioLessThanOrEqualToEightyPercentMember" abstract="true" name="OriginalLoanToValueRatioLessThanOrEqualToEightyPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fnm_LoansSeriouslyDelinquentUnpaidPrincipalBalancePercentageByCategory" abstract="false" name="LoansSeriouslyDelinquentUnpaidPrincipalBalancePercentageByCategory" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="fnm_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTable" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
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  <xs:element id="fnm_ConsensusWithoutInputsMember" abstract="true" name="ConsensusWithoutInputsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fnm_InternalModelAndWalkForwardMember" abstract="true" name="InternalModelAndWalkForwardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="fnm_RealEstateAcquiredThroughForeclosureFairValueDisclosure" abstract="false" name="RealEstateAcquiredThroughForeclosureFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fnm_BankingRegulationAdjustedTotalRiskBasedCapitalCapitalAdequacyMinimum" abstract="false" name="BankingRegulationAdjustedTotalRiskBasedCapitalCapitalAdequacyMinimum" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationAdjustedTotalCapitalActual" abstract="false" name="BankingRegulationAdjustedTotalCapitalActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationAdjustedTotalRiskBasedCapitalRatioExcessDeficitActual" abstract="false" name="BankingRegulationAdjustedTotalRiskBasedCapitalRatioExcessDeficitActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationAdjustedTotalRiskBasedCapitalRatioCapitalAdequacyMinimum" abstract="false" name="BankingRegulationAdjustedTotalRiskBasedCapitalRatioCapitalAdequacyMinimum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationAdjustedTotalRiskBasedCapitalRatioActual" abstract="false" name="BankingRegulationAdjustedTotalRiskBasedCapitalRatioActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationLeverageCapitalAbstract" abstract="true" name="BankingRegulationLeverageCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_BankingRegulationCoreLeverageCapitalAbstract" abstract="true" name="BankingRegulationCoreLeverageCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_BankingRegulationExcessDeficitCoreLeverageCapitalActual" abstract="false" name="BankingRegulationExcessDeficitCoreLeverageCapitalActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationCoreLeverageCapitalCapitalAdequacyMinimum" abstract="false" name="BankingRegulationCoreLeverageCapitalCapitalAdequacyMinimum" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationCoreLeverageCapitalActual" abstract="false" name="BankingRegulationCoreLeverageCapitalActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationExcessDeficitCoreLeverageCapitalRatioActual" abstract="false" name="BankingRegulationExcessDeficitCoreLeverageCapitalRatioActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationCoreLeverageCapitalRatioCapitalAdequacyMinimum" abstract="false" name="BankingRegulationCoreLeverageCapitalRatioCapitalAdequacyMinimum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationCoreLeverageCapitalRatioActual" abstract="false" name="BankingRegulationCoreLeverageCapitalRatioActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationExcessDeficitTierOneLeverageCapitalActual" abstract="false" name="BankingRegulationExcessDeficitTierOneLeverageCapitalActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationExcessDeficitTierOneLeverageCapitalRatioActual" abstract="false" name="BankingRegulationExcessDeficitTierOneLeverageCapitalRatioActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
</xs:schema>
