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  <xs:element id="fnm_ConservatorshipPreferredStockAgreementsAndRelatedPartiesTextBlock" abstract="false" name="ConservatorshipPreferredStockAgreementsAndRelatedPartiesTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_ConsolidationsAndTransfersOfFinancialAssetsAbstract" abstract="true" name="ConsolidationsAndTransfersOfFinancialAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_ConsolidationsAndTransfersOfFinancialAssetsTextBlock" abstract="false" name="ConsolidationsAndTransfersOfFinancialAssetsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_NettingArrangementsTextBlock" abstract="false" name="NettingArrangementsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_AdvancesToLendersPolicyTextBlock" abstract="false" name="AdvancesToLendersPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_ConservatorshipPolicyPolicyTextBlock" abstract="false" name="ConservatorshipPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_RelatedPartiesPolicyTextBlock" abstract="false" name="RelatedPartiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_FinancingReceivableLossMitigationPolicyTextBlock" abstract="false" name="FinancingReceivableLossMitigationPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_CommitmentsToPurchaseAndSellMortgageLoansAndSecuritiesPolicyTextBlock" abstract="false" name="CommitmentsToPurchaseAndSellMortgageLoansAndSecuritiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_SummaryOfStockPurchaseAgreementTableTextBlock" abstract="false" name="SummaryOfStockPurchaseAgreementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_FinancingReceivableLoanModificationTableTextBlock" abstract="false" name="FinancingReceivableLoanModificationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_ScheduleOfTradingSecuritiesGainsLossesNetTableTextBlock" abstract="false" name="ScheduleOfTradingSecuritiesGainsLossesNetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_ScheduleOfDelinquencyStatusGuarantyBookOfBusinessTableTextBlock" abstract="false" name="ScheduleOfDelinquencyStatusGuarantyBookOfBusinessTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_ScheduleOfRiskCharacteristicsGuarantyBookOfBusinessTableTextBlock" abstract="false" name="ScheduleOfRiskCharacteristicsGuarantyBookOfBusinessTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_ScheduleOfRiskInForceMortgageInsuranceCoverageTableTextBlock" abstract="false" name="ScheduleOfRiskInForceMortgageInsuranceCoverageTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_ScheduleOfRiskInForceMortgageInsuranceCoverageByCounterpartyTableTextBlock" abstract="false" name="ScheduleOfRiskInForceMortgageInsuranceCoverageByCounterpartyTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_OffsettingTableTextBlock" abstract="false" name="OffsettingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" abstract="false" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fnm_EarlyLenderFundingAdvancesMaximumTerm" abstract="false" name="EarlyLenderFundingAdvancesMaximumTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fnm_UsTreasuryMember" abstract="true" name="UsTreasuryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_FederalHousingFinanceAgencyMember" abstract="true" name="FederalHousingFinanceAgencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_Series20082SeniorPreferredStockMember" abstract="true" name="Series20082SeniorPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_USTreasuryAndFreddieMacMember" abstract="true" name="USTreasuryAndFreddieMacMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_CommonSecuritizationSolutionsAndFreddieMacMember" abstract="true" name="CommonSecuritizationSolutionsAndFreddieMacMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SingleFamilyGuarantyFeeTemporaryPayrollTaxCutContinuationActOf2011Member" abstract="true" name="SingleFamilyGuarantyFeeTemporaryPayrollTaxCutContinuationActOf2011Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_TreasuryCapitalManagementFundMember" abstract="true" name="TreasuryCapitalManagementFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_PercentageOfCommonSharesAttributableToWarrantsIssuedToTreasuryAsPercentageToTotalDilutedCommonShares" abstract="false" name="PercentageOfCommonSharesAttributableToWarrantsIssuedToTreasuryAsPercentageToTotalDilutedCommonShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_AggregateFundingReceivedFromUsTreasuryPursuantToSeniorPreferredStockPurchaseAgreement" abstract="false" name="AggregateFundingReceivedFromUsTreasuryPursuantToSeniorPreferredStockPurchaseAgreement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_TotalAvailableFundingFromTreasuryPursuantToTheSeniorPreferredStockAgreement" abstract="false" name="TotalAvailableFundingFromTreasuryPursuantToTheSeniorPreferredStockAgreement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_PreferredStockCovenantMaximumFairMarketValueofassetsandpropertiespertransaction" abstract="false" name="PreferredStockCovenantMaximumFairMarketValueofassetsandpropertiespertransaction" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_PreferredStockCovenantMaximumMortgageAssets" abstract="false" name="PreferredStockCovenantMaximumMortgageAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FHFADebtLimit" abstract="false" name="FHFADebtLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_AggregateLiquidationPreferenceOfSeniorPreferredStock" abstract="false" name="AggregateLiquidationPreferenceOfSeniorPreferredStock" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_IncreaseOfGuaranteeFeeRateResultingFromTemporaryPayrollTaxCutContinuationActOf2011" abstract="false" name="IncreaseOfGuaranteeFeeRateResultingFromTemporaryPayrollTaxCutContinuationActOf2011" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_BasisPointsOfEachDollarOfUnpaidPrincipalBalance" abstract="false" name="BasisPointsOfEachDollarOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_AffordableHousingProgramObligationPortion" abstract="false" name="AffordableHousingProgramObligationPortion" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_MortgageLoansOnRealEstateUnpaidPrincipalBalance" abstract="false" name="MortgageLoansOnRealEstateUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SingleClassMBSREMICMegasMember" abstract="true" name="SingleClassMBSREMICMegasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_UnpaidPrincipalBalanceOfPortfolioSecuritizations" abstract="false" name="UnpaidPrincipalBalanceOfPortfolioSecuritizations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_UnpaidPrincipalBalanceSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" abstract="false" name="UnpaidPrincipalBalanceSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FairValueSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" abstract="false" name="FairValueSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_LoansInMortgagePortfolioTable" abstract="true" name="LoansInMortgagePortfolioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_LoansInMortgagePortfolioLineItems" abstract="true" name="LoansInMortgagePortfolioLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_MortgageLoansCostBasisAndFairValueAdjustmentsNet" abstract="false" name="MortgageLoansCostBasisAndFairValueAdjustmentsNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossAdjustmentOther" abstract="false" name="FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossAdjustmentOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableReclassificationToBeHeldForInvestment" abstract="false" name="FinancingReceivableReclassificationToBeHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FixedRateResidentialMortgage15YearMember" abstract="true" name="FixedRateResidentialMortgage15YearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_OtherMortgageLoanMember" abstract="true" name="OtherMortgageLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_FinancingReceivableExcludingFairValueOptionBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableExcludingFairValueOptionBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_TableFootnoteAbstract" abstract="true" name="TableFootnoteAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_SeriousDelinquencyDayspastdue1" abstract="false" name="SeriousDelinquencyDayspastdue1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioLessThanOrEqualTo80PercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioLessThanOrEqualTo80PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan80PercentAndLessThanOrEqualTo90PercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan80PercentAndLessThanOrEqualTo90PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan90PercentAndLessThanOrEqualTo100PercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan90PercentAndLessThanOrEqualTo100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan100PercentLoansRecordedInvestmentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan100PercentLoansRecordedInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorHousingMember" abstract="true" name="SeniorHousingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_ForbearancePlanMember" abstract="true" name="ForbearancePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_TrialModificationAndRepaymentPlansMember" abstract="true" name="TrialModificationAndRepaymentPlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_PaymentDeferralAndExtendedMaturityMember" abstract="true" name="PaymentDeferralAndExtendedMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_PaymentDeferralExtendedMaturityAndContractualInterestRateReductionMember" abstract="true" name="PaymentDeferralExtendedMaturityAndContractualInterestRateReductionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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-types1: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-types1:percentItemType"/>
  <xs:element id="fnm_FinancingReceivableRestructuredLoansNotConsideredTDRsWeightedAverageTermExtension" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsWeightedAverageTermExtension" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fnm_FinancingReceivableRestructuredLoansNotConsideredTDRsAverageCapitalizedAmount" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsAverageCapitalizedAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableRestructuredLoansNotConsideredTDRsAmortizedCostSubsequentDefault" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsAmortizedCostSubsequentDefault" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_ForbearanceAndRepaymentPlansAndTrialModificationMember" abstract="true" name="ForbearanceAndRepaymentPlansAndTrialModificationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_TransfersFromLoansHeldForInvestmentOfParentCompanyToLoansHeldForInvestmentOfConsolidatedTrusts" abstract="false" name="TransfersFromLoansHeldForInvestmentOfParentCompanyToLoansHeldForInvestmentOfConsolidatedTrusts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_NetTransfersFromAdvancestoLenderstoLoansHeldforInvestmentofConsolidatedTrusts1" abstract="false" name="NetTransfersFromAdvancestoLenderstoLoansHeldforInvestmentofConsolidatedTrusts1" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossAdjustmentsOther" abstract="false" name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossAdjustmentsOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableTransferToHeldForSaleWriteOff" abstract="false" name="FinancingReceivableTransferToHeldForSaleWriteOff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FinancingReceivableAllowanceForCreditLossNetEffectOfTransferFromHeldForInvestmentToHeldForSale" abstract="false" name="FinancingReceivableAllowanceForCreditLossNetEffectOfTransferFromHeldForInvestmentToHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_NonmortgagerelatedsecuritiesMember" abstract="true" name="NonmortgagerelatedsecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_FinancialGuaranteesandMaximumRecoveryTable" abstract="true" name="FinancialGuaranteesandMaximumRecoveryTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_NonconsolidatedFannieMaesecuritiesMember" abstract="true" name="NonconsolidatedFannieMaesecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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"/>
  <xs:element id="fnm_MaximumRecovery" abstract="false" name="MaximumRecovery" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SeniorFixedDebtMember" abstract="true" name="SeniorFixedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorFixedBenchmarkNotesAndBondsMember" abstract="true" name="SeniorFixedBenchmarkNotesAndBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorFixedMediumTermNotesMember" abstract="true" name="SeniorFixedMediumTermNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorFixedOtherDebtMember" abstract="true" name="SeniorFixedOtherDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorFloatingDebtMember" abstract="true" name="SeniorFloatingDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorFloatingMediumTermNotesMember" abstract="true" name="SeniorFloatingMediumTermNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorFloatingConnecticutAvenueSecurityMember" abstract="true" name="SeniorFloatingConnecticutAvenueSecurityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorFloatingOtherDebtMember" abstract="true" name="SeniorFloatingOtherDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_EarlierOfContractualMaturityOrNextCallDateMember" abstract="true" name="EarlierOfContractualMaturityOrNextCallDateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_ZeroCouponDebtMember" abstract="true" name="ZeroCouponDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_CallableMember" abstract="true" name="CallableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_TotalRiskManagementDerivativesPortfolioMember" abstract="true" name="TotalRiskManagementDerivativesPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_PayFixedSwapMember" abstract="true" name="PayFixedSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_ReceiveFixedSwapMember" abstract="true" name="ReceiveFixedSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_PayFixedSwaptionMember" abstract="true" name="PayFixedSwaptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_ReceiveFixedSwaptionMember" abstract="true" name="ReceiveFixedSwaptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_MortgageCommitmentDerivativesMember" abstract="true" name="MortgageCommitmentDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_MortgageCommitmentsToPurchaseWholeLoansMember" abstract="true" name="MortgageCommitmentsToPurchaseWholeLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_ForwardContractsToPurchaseMortgageRelatedSecuritiesMember" abstract="true" name="ForwardContractsToPurchaseMortgageRelatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_ForwardContractsToSellMortgageRelatedSecuritiesMember" abstract="true" name="ForwardContractsToSellMortgageRelatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" abstract="false" name="DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_InterestRateRiskOnHeldForInvestmentMortgageLoanMember" abstract="true" name="InterestRateRiskOnHeldForInvestmentMortgageLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_InterestRateRiskOnDebtMember" abstract="true" name="InterestRateRiskOnDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_DiscontinuedHedgeRelatedBasisAdjustmentAmortization" abstract="false" name="DiscontinuedHedgeRelatedBasisAdjustmentAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_InterestAccrualsOnHedgingInstruments" abstract="false" name="InterestAccrualsOnHedgingInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_HedgedLiabilityStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" abstract="false" name="HedgedLiabilityStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_HedgedAssetStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" abstract="false" name="HedgedAssetStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_MortgageAndMortgageRelatedAssetsIncludingAcquiredCreditImpairedLoans" abstract="false" name="MortgageAndMortgageRelatedAssetsIncludingAcquiredCreditImpairedLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SingleFamilySegmentMember" abstract="true" name="SingleFamilySegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_MultifamilySegmentMember" abstract="true" name="MultifamilySegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SeniorPreferredStockShareAuthorized" abstract="false" name="SeniorPreferredStockShareAuthorized" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="fnm_SeniorPreferredStockLiquidationPreferencePerShare" abstract="false" name="SeniorPreferredStockLiquidationPreferencePerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="fnm_NetWorthIncreaseDecrease" abstract="false" name="NetWorthIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_DividendsDueToTreasuryAnnualRateOnThenCurrentLiquidationPreferenceOfTheSeniorPreferredStock" abstract="false" name="DividendsDueToTreasuryAnnualRateOnThenCurrentLiquidationPreferenceOfTheSeniorPreferredStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_ConvertibleStockConversionPrice" abstract="false" name="ConvertibleStockConversionPrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="fnm_ConversionStockConversionRate" abstract="false" name="ConversionStockConversionRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_TwoYearMaturityUSTreasuryRateMember" abstract="true" name="TwoYearMaturityUSTreasuryRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_TenYearMaturityUSTreasuryRateMember" abstract="true" name="TenYearMaturityUSTreasuryRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_PreferredStockDividendRateBasisSpreadOnVariableRate" abstract="false" name="PreferredStockDividendRateBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_BankingRegulationAdjustedAssetsActual" abstract="false" name="BankingRegulationAdjustedAssetsActual" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationRiskBasedCapitalAbstract" abstract="true" name="BankingRegulationRiskBasedCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_BankingRegulationTotalRiskBasedCapitalExcessDeficitActual" abstract="false" name="BankingRegulationTotalRiskBasedCapitalExcessDeficitActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationTotalRiskBasedCapitalRatioExcessDeficitActual" abstract="false" name="BankingRegulationTotalRiskBasedCapitalRatioExcessDeficitActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationCommonEquityTierOneRiskBasedCapitalExcessDeficitActual" abstract="false" name="BankingRegulationCommonEquityTierOneRiskBasedCapitalExcessDeficitActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioExcessDeficitActual" abstract="false" name="BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioExcessDeficitActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationTierOneRiskBasedCapitalExcessDeficitActual" abstract="false" name="BankingRegulationTierOneRiskBasedCapitalExcessDeficitActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_BankingRegulationTierOneRiskBasedCapitalRatioExcessDeficitActual" abstract="false" name="BankingRegulationTierOneRiskBasedCapitalRatioExcessDeficitActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_BankingRegulationAdjustedTotalCapitalAbstract" abstract="true" name="BankingRegulationAdjustedTotalCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_BankingRegulationAdjustedTotalRiskBasedCapitalExcessDeficitActual" abstract="false" name="BankingRegulationAdjustedTotalRiskBasedCapitalExcessDeficitActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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:element id="fnm_GuarantyBookOfBusinessMember" abstract="true" name="GuarantyBookOfBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_MidwestUnitedStatesMember" abstract="true" name="MidwestUnitedStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_NortheastUnitedStatesMember" abstract="true" name="NortheastUnitedStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SoutheastUnitedStatesMember" abstract="true" name="SoutheastUnitedStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_SouthwestUnitedStatesMember" abstract="true" name="SouthwestUnitedStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_WestUnitedStatesMember" abstract="true" name="WestUnitedStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_PercentageOfUnpaidPrincipalBalanceOfLoans" abstract="false" name="PercentageOfUnpaidPrincipalBalanceOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_OriginalLoanToValueRatio8001To90Member" abstract="true" name="OriginalLoanToValueRatio8001To90Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_OriginalLoanToValueRatio9001To100Member" abstract="true" name="OriginalLoanToValueRatio9001To100Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThanOneHundredPercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThanOneHundredPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_OtherStatesMember" abstract="true" name="OtherStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_Loans30To59DaysPastDuePercentageOfUnpaidPrincipalBalance" abstract="false" name="Loans30To59DaysPastDuePercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_Loans60To89DaysPastDuePercentageOfUnpaidPrincipalBalance" abstract="false" name="Loans60To89DaysPastDuePercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_LoansSeriouslyDelinquentPercentageOfUnpaidPrincipalBalance" abstract="false" name="LoansSeriouslyDelinquentPercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_NumberOfLoans30To59DaysPastDuePercentage" abstract="false" name="NumberOfLoans30To59DaysPastDuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_NumberOfLoans60To89DaysPastDuePercentage" abstract="false" name="NumberOfLoans60To89DaysPastDuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_NumberOfLoansSeriouslyDelinquentPercentageByCategory" abstract="false" name="NumberOfLoansSeriouslyDelinquentPercentageByCategory" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_OriginalLoanToValueRatioGreaterThanEightyPercentMember" abstract="true" name="OriginalLoanToValueRatioGreaterThanEightyPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_OriginalLoanToValueRatioLessThanOrEqualToEightyPercentMember" abstract="true" name="OriginalLoanToValueRatioLessThanOrEqualToEightyPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_CurrentDebtServiceCoverageRatioLessThanOneHundredPercentMember" abstract="true" name="CurrentDebtServiceCoverageRatioLessThanOneHundredPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_CurrentDebtServiceCoverageRatioHigherRiskLoans1" abstract="false" name="CurrentDebtServiceCoverageRatioHigherRiskLoans1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_LoansSeriouslyDelinquentUnpaidPrincipalBalancePercentageByCategory" abstract="false" name="LoansSeriouslyDelinquentUnpaidPrincipalBalancePercentageByCategory" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_ServiceProvidersAxis" abstract="true" name="ServiceProvidersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_ServiceProvidersDomain" abstract="true" name="ServiceProvidersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_Top5DepositoryServicersMember" abstract="true" name="Top5DepositoryServicersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_Top5NonDepositoryServicersMember" abstract="true" name="Top5NonDepositoryServicersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_DepositoryServicerMember" abstract="true" name="DepositoryServicerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="fnm_InsuranceServiceProviderConcentrationRiskMember" abstract="true" name="InsuranceServiceProviderConcentrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_MortgageGuarantyInsuranceCorp.Member" abstract="true" name="MortgageGuarantyInsuranceCorp.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_RadianGuarantyIncMember" abstract="true" name="RadianGuarantyIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_ArchCapitalGroupLtd.Member" abstract="true" name="ArchCapitalGroupLtd.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_GenworthMortgageInsuranceCorp.Member" abstract="true" name="GenworthMortgageInsuranceCorp.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_EssentGuarantyIncMember" abstract="true" name="EssentGuarantyIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_NationalMortgageInsuranceCorporationMember" abstract="true" name="NationalMortgageInsuranceCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_OtherTopServicersMember" abstract="true" name="OtherTopServicersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_GroupOfLargestMortgageServicersIncludingAffiliatesMember" abstract="true" name="GroupOfLargestMortgageServicersIncludingAffiliatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_WellsFargoBankN.A.Member" abstract="true" name="WellsFargoBankN.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_WalkerDunlopLLCMember" abstract="true" name="WalkerDunlopLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_FiveMajorLendersMember" abstract="true" name="FiveMajorLendersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_PrimaryMortgageInsuranceCoverageRiskInForce" abstract="false" name="PrimaryMortgageInsuranceCoverageRiskInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_PoolMortgageInsuranceCoverageRiskInForce" abstract="false" name="PoolMortgageInsuranceCoverageRiskInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_MortgageInsuranceCoverageRiskInForce" abstract="false" name="MortgageInsuranceCoverageRiskInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_TotalMortgageInsuranceCoverageRiskInForceAsPercentageOfUnpaidPrincipalBalanceInGuarantyBookOfBusiness" abstract="false" name="TotalMortgageInsuranceCoverageRiskInForceAsPercentageOfUnpaidPrincipalBalanceInGuarantyBookOfBusiness" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fnm_InsuranceLossReservesContractualMortgageInsuranceBenefitNet" abstract="false" name="InsuranceLossReservesContractualMortgageInsuranceBenefitNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_ReceivableFromClaimsOnDefaultedLoansFromMortgageInsurersSellersAndServicers" abstract="false" name="ReceivableFromClaimsOnDefaultedLoansFromMortgageInsurersSellersAndServicers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_AllowanceForMortgageInsuranceReceivable" abstract="false" name="AllowanceForMortgageInsuranceReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_LossContingencyRelatedReceivableMaximum" abstract="false" name="LossContingencyRelatedReceivableMaximum" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_OffsettingTable" abstract="true" name="OffsettingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_RestrictedCashAndCashEquivalentMember" abstract="true" name="RestrictedCashAndCashEquivalentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_DerivativeAssetStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" abstract="false" name="DerivativeAssetStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" abstract="false" name="DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTable" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_FairValueInputsQuantitativeInformationTable" abstract="true" name="FairValueInputsQuantitativeInformationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_PrimarilyConsensusMember" abstract="true" name="PrimarilyConsensusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ConsensusWithoutInputsMember" abstract="true" name="ConsensusWithoutInputsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_PrimarilyDiscountedCashFlowSingleVendorAndConsensusMember" abstract="true" name="PrimarilyDiscountedCashFlowSingleVendorAndConsensusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_DealerMarkAndDiscountedCashFlowMember" abstract="true" name="DealerMarkAndDiscountedCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_InternalModelMember" abstract="true" name="InternalModelMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_AppraisalsMember" abstract="true" name="AppraisalsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_BrokerPriceOpinionMember" abstract="true" name="BrokerPriceOpinionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fnm_AcceptedOfferAndAppraisalMember" abstract="true" name="AcceptedOfferAndAppraisalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_InternalModelAndWalkForwardMember" abstract="true" name="InternalModelAndWalkForwardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_RealEstateAcquiredThroughForeclosureFairValueDisclosure" abstract="false" name="RealEstateAcquiredThroughForeclosureFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_CashCashEquivalentsAndRestrictedCashFairValueDisclosure" abstract="false" name="CashCashEquivalentsAndRestrictedCashFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_GuarantyAssetsAndBuyUpsFairValueDisclosure" abstract="false" name="GuarantyAssetsAndBuyUpsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_PrincipalAmountOutstandingOfLoansHeldForInvestment" abstract="false" name="PrincipalAmountOutstandingOfLoansHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SeniorPreferredStockPurchaseAgreementsLitigationMember" abstract="true" name="SeniorPreferredStockPurchaseAgreementsLitigationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_LitigationSettlementInterestRate" abstract="false" name="LitigationSettlementInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
</xs:schema>
