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  <xs:element id="fnm_GroupOfLargestMortgageServicersIncludingAffiliatesMember" abstract="true" name="GroupOfLargestMortgageServicersIncludingAffiliatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" abstract="false" name="FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_HomeAffordableModificationProgramAdministrativeExpenseReimbursement" abstract="false" name="HomeAffordableModificationProgramAdministrativeExpenseReimbursement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_OthercounterpartiesMember" abstract="true" name="OthercounterpartiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_TableFootnoteAbstract" abstract="true" name="TableFootnoteAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_BankingRegulationCoreLeverageCapitalRatioActual" abstract="false" name="BankingRegulationCoreLeverageCapitalRatioActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <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_FinancingReceivableRestructuredLoansNotConsideredTDRsWeightedAverageInterestRateReduction" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsWeightedAverageInterestRateReduction" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_BankingRegulationRiskBasedCapitalAbstract" abstract="true" name="BankingRegulationRiskBasedCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_WalkForwardsMember" abstract="true" name="WalkForwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_DiscontinuedHedgeRelatedBasisAdjustmentAmortization" abstract="false" name="DiscontinuedHedgeRelatedBasisAdjustmentAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PercentageOfUnpaidPrincipalBalanceOfLoans" abstract="false" name="PercentageOfUnpaidPrincipalBalanceOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_ReceiveFixedSwapMember" abstract="true" name="ReceiveFixedSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ScheduleOfRiskInForceMortgageInsuranceCoverageTableTextBlock" abstract="false" name="ScheduleOfRiskInForceMortgageInsuranceCoverageTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_BankingRegulationAdjustedTotalRiskBasedCapitalRatioActual" abstract="false" name="BankingRegulationAdjustedTotalRiskBasedCapitalRatioActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_AffordableHousingProgramAssessmentsNotRemitted" abstract="false" name="AffordableHousingProgramAssessmentsNotRemitted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_OtherTopServicersMember" abstract="true" name="OtherTopServicersMember" 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_Fnm_MultifamilyMember" abstract="true" name="Fnm_MultifamilyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioLessThanOrEqualTo80PercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioLessThanOrEqualTo80PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ConservatorshipPolicyPolicyTextBlock" abstract="false" name="ConservatorshipPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_OtherValuationTechniqueMember" abstract="true" name="OtherValuationTechniqueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_SeniorFixedBenchmarkNotesAndBondsMember" abstract="true" name="SeniorFixedBenchmarkNotesAndBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_NationalMortgageInsuranceCorporationMember" abstract="true" name="NationalMortgageInsuranceCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_FinancingReceivableRestructuredLoansNotConsideredTDRsPercentOfTotalFinancingReceivable" abstract="false" name="FinancingReceivableRestructuredLoansNotConsideredTDRsPercentOfTotalFinancingReceivable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_SingleFamilyGuarantyFees10BasisPointsIncreaseDueToProvisionStatedInTemporaryPayrollTaxCutContinuationActOf2011PolicyTextBlock" abstract="false" name="SingleFamilyGuarantyFees10BasisPointsIncreaseDueToProvisionStatedInTemporaryPayrollTaxCutContinuationActOf2011PolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_ReceiveFixedSwaptionMember" abstract="true" name="ReceiveFixedSwaptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_InterestRateRiskOnHeldForInvestmentMortgageLoanMember" abstract="true" name="InterestRateRiskOnHeldForInvestmentMortgageLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_IncreaseOfGuaranteeFeeRateResultingFromTemporaryPayrollTaxCutContinuationActOf2011" abstract="false" name="IncreaseOfGuaranteeFeeRateResultingFromTemporaryPayrollTaxCutContinuationActOf2011" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" abstract="false" name="FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_PercentageOfCommonSharesAttributableToWarrantsIssuedToTreasuryAsPercentageToTotalDilutedCommonShares" abstract="false" name="PercentageOfCommonSharesAttributableToWarrantsIssuedToTreasuryAsPercentageToTotalDilutedCommonShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_SeniorFloatingConnecticutAvenueSecurityMember" abstract="true" name="SeniorFloatingConnecticutAvenueSecurityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan80PercentAndLessThanOrEqualTo90PercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan80PercentAndLessThanOrEqualTo90PercentMember" 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_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAvailableForSaleSecuritiesOtherThanTemporaryImpairmentNotRecorded" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossNetOfTaxAvailableForSaleSecuritiesOtherThanTemporaryImpairmentNotRecorded" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_BankingRegulationExcessDeficitTierOneLeverageCapitalRatioActual" abstract="false" name="BankingRegulationExcessDeficitTierOneLeverageCapitalRatioActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_OtherStatesMember" abstract="true" name="OtherStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_EssentGuarantyIncMember" abstract="true" name="EssentGuarantyIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorFixedDebtMember" abstract="true" name="SeniorFixedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SingleFamilyGuarantyFeeTemporaryPayrollTaxCutContinuationActOf2011" abstract="false" name="SingleFamilyGuarantyFeeTemporaryPayrollTaxCutContinuationActOf2011" nillable="true" xbrli:periodType="duration" 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_SeniorFloatingDebtMember" abstract="true" name="SeniorFloatingDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_MortgageCommitmentDerivativesMember" abstract="true" name="MortgageCommitmentDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_BankingRegulationLeverageCapitalAbstract" abstract="true" name="BankingRegulationLeverageCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_PaymentsForAdvancesToLenders" abstract="false" name="PaymentsForAdvancesToLenders" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_AppraisalsMember" abstract="true" name="AppraisalsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_AffordableHousingProgramObligationPortion" abstract="false" name="AffordableHousingProgramObligationPortion" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_LoansSeriouslyDelinquentPercentageOfUnpaidPrincipalBalance" abstract="false" name="LoansSeriouslyDelinquentPercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_OtherMortgageLoanMember" abstract="true" name="OtherMortgageLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleListNotDisclosedFlag" abstract="false" name="FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleListNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_InvestmentGainsLossNet1" abstract="false" name="InvestmentGainsLossNet1" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_BankingRegulationAdjustedTotalRiskBasedCapitalRatioExcessDeficitActual" abstract="false" name="BankingRegulationAdjustedTotalRiskBasedCapitalRatioExcessDeficitActual" nillable="true" xbrli:periodType="instant" 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-types:percentItemType"/>
  <xs:element id="fnm_SeniorHousingMember" abstract="true" name="SeniorHousingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_NumberOfLoans60To89DaysPastDuePercentage" abstract="false" name="NumberOfLoans60To89DaysPastDuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_FairValueRecurringBasisUnobservableInputReconciliationLiabilityGainLossStatementOfIncomeExtensibleListNotDisclosedFlag" abstract="false" name="FairValueRecurringBasisUnobservableInputReconciliationLiabilityGainLossStatementOfIncomeExtensibleListNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_BankingRegulationAdjustedTotalCapitalAbstract" abstract="true" name="BankingRegulationAdjustedTotalCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_DepositoryServicerMember" abstract="true" name="DepositoryServicerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_UsTreasuryMember" abstract="true" name="UsTreasuryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ScheduleOfRiskCharacteristicsGuarantyBookOfBusinessTableTextBlock" abstract="false" name="ScheduleOfRiskCharacteristicsGuarantyBookOfBusinessTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_CommonSecuritizationSolutionsMember" abstract="true" name="CommonSecuritizationSolutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" abstract="false" name="FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_NonDepositoryServicerMember" abstract="true" name="NonDepositoryServicerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff" abstract="false" name="FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff" nillable="true" xbrli:periodType="duration" 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_MortgageLoansOnRealEstateUnpaidPrincipalBalance" abstract="false" name="MortgageLoansOnRealEstateUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FHFAAssessmentFeesExpense" abstract="false" name="FHFAAssessmentFeesExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FreddieMacCollateralIncludedInFannieMaeCommingledSecurity" abstract="false" name="FreddieMacCollateralIncludedInFannieMaeCommingledSecurity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_ConsolidationsAndTransfersOfFinancialAssetsAbstract" abstract="true" name="ConsolidationsAndTransfersOfFinancialAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_DealerMarkMember" abstract="true" name="DealerMarkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_AdvanceToLender" abstract="false" name="AdvanceToLender" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_BankingRegulationExcessDeficitCoreLeverageCapitalActual" abstract="false" name="BankingRegulationExcessDeficitCoreLeverageCapitalActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_ServiceProvidersAxis" abstract="true" name="ServiceProvidersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_ArchCapitalGroupLtd.Member" abstract="true" name="ArchCapitalGroupLtd.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_BankingRegulationTotalRiskBasedCapitalRatioExcessDeficitActual" abstract="false" name="BankingRegulationTotalRiskBasedCapitalRatioExcessDeficitActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_CurrentDebtServiceCoverageRatioLessThanOneHundredPercentMember" abstract="true" name="CurrentDebtServiceCoverageRatioLessThanOneHundredPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_FinancialGuaranteesandMaximumRecoveryTable" abstract="true" name="FinancialGuaranteesandMaximumRecoveryTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <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_WalkerDunlopLLCMember" abstract="true" name="WalkerDunlopLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_CreditEnhancementExpense" abstract="false" name="CreditEnhancementExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_FixedRateResidentialMortgage15YearMemberMember" abstract="true" name="FixedRateResidentialMortgage15YearMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_InterestRateRiskOnDebtMember" abstract="true" name="InterestRateRiskOnDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_TotalRiskManagementDerivativesPortfolioMember" abstract="true" name="TotalRiskManagementDerivativesPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ServiceProvidersDomain" abstract="true" name="ServiceProvidersDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_BrokerPriceOpinionMember" abstract="true" name="BrokerPriceOpinionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorPreferredStockMember" abstract="true" name="SeniorPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_BankingRegulationTierOneRiskBasedCapitalExcessDeficitActual" abstract="false" name="BankingRegulationTierOneRiskBasedCapitalExcessDeficitActual" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_ForwardContractsToSellMortgageRelatedSecuritiesMember" abstract="true" name="ForwardContractsToSellMortgageRelatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_MortgageGuarantyInsuranceCorp.Member" abstract="true" name="MortgageGuarantyInsuranceCorp.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_NonconsolidatedFannieMaesecuritiesMember" abstract="true" name="NonconsolidatedFannieMaesecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ForbearancePlanMember" abstract="true" name="ForbearancePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ScheduleOfDelinquencyStatusGuarantyBookOfBusinessTableTextBlock" abstract="false" name="ScheduleOfDelinquencyStatusGuarantyBookOfBusinessTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_FederalHousingFinanceAgencyMember" abstract="true" name="FederalHousingFinanceAgencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_CurrentDebtServiceCoverageRatioHigherRiskLoans1" abstract="false" name="CurrentDebtServiceCoverageRatioHigherRiskLoans1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_SingleClassMBSREMICMegasMember" abstract="true" name="SingleClassMBSREMICMegasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_TrialModificationAndRepaymentPlansMember" abstract="true" name="TrialModificationAndRepaymentPlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_FairValueInputsQuantitativeInformationTable" abstract="true" name="FairValueInputsQuantitativeInformationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_ConsensusWithoutInputsMember" abstract="true" name="ConsensusWithoutInputsMember" 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_ScheduleOfTradingSecuritiesGainsLossesNetTableTextBlock" abstract="false" name="ScheduleOfTradingSecuritiesGainsLossesNetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_NumberOfLoans30To59DaysPastDuePercentage" abstract="false" name="NumberOfLoans30To59DaysPastDuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioExcessDeficitActual" abstract="false" name="BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioExcessDeficitActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_Fnm_SingleFamilyMember" abstract="true" name="Fnm_SingleFamilyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleListNotDisclosedFlag" abstract="false" name="FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleListNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_LoansInMortgagePortfolioTable" abstract="true" name="LoansInMortgagePortfolioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_InternalModelMember" abstract="true" name="InternalModelMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_UnpaidPrincipalBalanceSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" abstract="false" name="UnpaidPrincipalBalanceSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SeriousDelinquencyDayspastdue1" abstract="false" name="SeriousDelinquencyDayspastdue1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_LoansInMortgagePortfolioLineItems" abstract="true" name="LoansInMortgagePortfolioLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_OriginalLoanToValueRatio8001To90Member" abstract="true" name="OriginalLoanToValueRatio8001To90Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_PayFixedSwapMember" abstract="true" name="PayFixedSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_NonmortgagerelatedsecuritiesMember" abstract="true" name="NonmortgagerelatedsecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_GuarantyBookOfBusinessMember" abstract="true" name="GuarantyBookOfBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorPreferredStockLiquidationPreferenceValue" abstract="false" name="SeniorPreferredStockLiquidationPreferenceValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_InsuranceServiceProviderConcentrationRiskMember" abstract="true" name="InsuranceServiceProviderConcentrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_BankingRegulationTierOneRiskBasedCapitalRatioExcessDeficitActual" abstract="false" name="BankingRegulationTierOneRiskBasedCapitalRatioExcessDeficitActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_FairValueLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleListNotDisclosedFlag" abstract="false" name="FairValueLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleListNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_ScheduleOfRiskInForceMortgageInsuranceCoverageByCounterpartyTableTextBlock" abstract="false" name="ScheduleOfRiskInForceMortgageInsuranceCoverageByCounterpartyTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_RelatedPartiesPolicyTextBlock" abstract="false" name="RelatedPartiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_ChangeInExpectedCreditEnhancementRecoveries" abstract="false" name="ChangeInExpectedCreditEnhancementRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_RestrictedCashAndCashEquivalentMember" abstract="true" name="RestrictedCashAndCashEquivalentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_BasisPointsOfEachDollarOfUnpaidPrincipalBalance" abstract="false" name="BasisPointsOfEachDollarOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
</xs:schema>
