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  <xsd:element abstract="true" id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan100PercentLoansRecordedInvestmentMember" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan100PercentLoansRecordedInvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan80PercentAndLessThanOrEqualTo90PercentMember" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan80PercentAndLessThanOrEqualTo90PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThan90PercentAndLessThanOrEqualTo100PercentMember" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan90PercentAndLessThanOrEqualTo100PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_EstimatedMarkToMarketLoanToValueRatioGreaterThanOneHundredPercentMember" name="EstimatedMarkToMarketLoanToValueRatioGreaterThanOneHundredPercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_EstimatedMarkToMarketLoanToValueRatioLessThanOrEqualTo80PercentMember" name="EstimatedMarkToMarketLoanToValueRatioLessThanOrEqualTo80PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FHFAassessmentfeesexpense" name="FHFAassessmentfeesexpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTable" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FairValueGainsLossesNet" name="FairValueGainsLossesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_FairValueInputsAssetAndLiabilitiesQuantitativeInformationTableTextBlock" name="FairValueInputsAssetAndLiabilitiesQuantitativeInformationTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FairValueInputsBasisSpread" name="FairValueInputsBasisSpread" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_FairValueInputsQuantitativeInformationTable" name="FairValueInputsQuantitativeInformationTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FairValueOptionCreditRiskGainsLosses" name="FairValueOptionCreditRiskGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_FairValueOptionOtherChangesInFairValueGainLoss" name="FairValueOptionOtherChangesInFairValueGainLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_FairValueSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" name="FairValueSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_FederalHousingFinanceAgencyMember" name="FederalHousingFinanceAgencyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_FinancialGuaranteesandMaximumRecoveryLineItems" name="FinancialGuaranteesandMaximumRecoveryLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_FinancialGuaranteesandMaximumRecoveryTable" name="FinancialGuaranteesandMaximumRecoveryTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FinancialGuaranteesandMaximumRecoveryTableTextBlock" name="FinancialGuaranteesandMaximumRecoveryTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FinancingReceivableModificationsAverageInterestRateReductionPercentagePoint" name="FinancingReceivableModificationsAverageInterestRateReductionPercentagePoint" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FinancingReceivableModificationsAverageTermExtension" name="FinancingReceivableModificationsAverageTermExtension" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FinancingReceivableReclassificationtoHeldforinvestment" name="FinancingReceivableReclassificationtoHeldforinvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_ForeclosedRealEstateExpenseIncome" name="ForeclosedRealEstateExpenseIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ForwardContractsToPurchaseMortgageRelatedSecuritiesMember" name="ForwardContractsToPurchaseMortgageRelatedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ForwardContractsToSellMortgageRelatedSecuritiesMember" name="ForwardContractsToSellMortgageRelatedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_FreddieMacMember" name="FreddieMacMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_FundingDrawRequestedFromU.S.TreasuryPursuanttotheSeniorPreferredStockPurchaseAgreement" name="FundingDrawRequestedFromU.S.TreasuryPursuanttotheSeniorPreferredStockPurchaseAgreement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_GroupOfLargestMortgageServicersIncludingAffiliatesMember" name="GroupOfLargestMortgageServicersIncludingAffiliatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_GroupOfTopMortgageInsuranceCompaniesMember" name="GroupOfTopMortgageInsuranceCompaniesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_GuaranteesFairValueInvestmentsInSecurities" name="GuaranteesFairValueInvestmentsInSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnm_GuarantyAssetsAndBuyUpsFairValueDisclosure" name="GuarantyAssetsAndBuyUpsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_GuarantyBookOfBusinessMember" name="GuarantyBookOfBusinessMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_HomeAffordableModificationProgramAdministrativeExpenseReimbursement" name="HomeAffordableModificationProgramAdministrativeExpenseReimbursement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_ImpairedFinancingReceivableContractualInterestIncomeAccrualMethodTotal" name="ImpairedFinancingReceivableContractualInterestIncomeAccrualMethodTotal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_ImpairedFinancingReceivableEffectiveYieldAdjustmentInterestIncomeAccrualMethodTotal" name="ImpairedFinancingReceivableEffectiveYieldAdjustmentInterestIncomeAccrualMethodTotal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_IncreaseOfGuaranteeFeeRateResultingFromTemporaryPayrollTaxCutContinuationActOf2011" name="IncreaseOfGuaranteeFeeRateResultingFromTemporaryPayrollTaxCutContinuationActOf2011" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_InsuranceLossReservesContractualMortgageInsuranceBenefitNet" name="InsuranceLossReservesContractualMortgageInsuranceBenefitNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_InsuranceServiceProviderConcentrationRiskMember" name="InsuranceServiceProviderConcentrationRiskMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_InternalModelMember" name="InternalModelMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_InvestmentGainsLossNet1" name="InvestmentGainsLossNet1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_LiabilityToTreasuryRelatedToIncreaseInSingleFamilyGuarantyFeeResultingFromTemporaryPayrollTaxCutContinuationActOf2011" name="LiabilityToTreasuryRelatedToIncreaseInSingleFamilyGuarantyFeeResultingFromTemporaryPayrollTaxCutContinuationActOf2011" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnm_LoanandMortgagerelatedSecuritiesCommitmentsPolicyPolicyTextBlock" name="LoanandMortgagerelatedSecuritiesCommitmentsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_Loans30To59DaysPastDuePercentageOfUnpaidPrincipalBalance" name="Loans30To59DaysPastDuePercentageOfUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_Loans60To89DaysPastDuePercentageOfUnpaidPrincipalBalance" name="Loans60To89DaysPastDuePercentageOfUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_LoansHeldforSale" name="LoansHeldforSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_LoansInMortgagePortfolioLineItems" name="LoansInMortgagePortfolioLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_LoansInMortgagePortfolioTable" name="LoansInMortgagePortfolioTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_LoansSeriouslyDelinquentPercentageOfUnpaidPrincipalBalance" name="LoansSeriouslyDelinquentPercentageOfUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_LoansSeriouslyDelinquentUnpaidPrincipalBalancePercentageByCategory" name="LoansSeriouslyDelinquentUnpaidPrincipalBalancePercentageByCategory" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_Longtermdebtoriginalcontractualmaturitygreaterthan10years" name="Longtermdebtoriginalcontractualmaturitygreaterthan10years" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_LossContingencyRelatedReceivableMaximum" name="LossContingencyRelatedReceivableMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_MaximumRecovery" name="MaximumRecovery" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_MediumtermNotesOriginalContractualMaturity1" name="MediumtermNotesOriginalContractualMaturity1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_MidwestUnitedStatesMember" name="MidwestUnitedStatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_MortgageAndMortgageRelatedAssetsIncludingAcquiredCreditImpairedLoans" name="MortgageAndMortgageRelatedAssetsIncludingAcquiredCreditImpairedLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_MortgageCommitmentDerivativesMember" name="MortgageCommitmentDerivativesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_MortgageCommitmentsToPurchaseWholeLoansMember" name="MortgageCommitmentsToPurchaseWholeLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_MortgageInsuranceCoverageRiskInForce" name="MortgageInsuranceCoverageRiskInForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnm_MortgageInsuranceCoverageRiskInForceInsuranceClaimPercentageToBePaidInCashByMortgageInsurer" name="MortgageInsuranceCoverageRiskInForceInsuranceClaimPercentageToBePaidInCashByMortgageInsurer" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_MortgageInsuranceCoverageRiskInForceInsurersWithPubliclyDisclosedFinancialWeakness" name="MortgageInsuranceCoverageRiskInForceInsurersWithPubliclyDisclosedFinancialWeakness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnm_MortgageInsuranceCoverageRiskinForceInsuranceClaimPercentageTobeDeferredbyMortgageInsurer" name="MortgageInsuranceCoverageRiskinForceInsuranceClaimPercentageTobeDeferredbyMortgageInsurer" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_MortgageLoansCostBasisAndFairValueAdjustmentsNet" name="MortgageLoansCostBasisAndFairValueAdjustmentsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_MortgageLoansOnRealEstateUnpaidPrincipalBalance" name="MortgageLoansOnRealEstateUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_MortgageSellersAndServicersMember" name="MortgageSellersAndServicersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_NetGainsRelatedToTheDispositionofAcquiredPropertyandPreforeclosureSalesIncludingCreditEnhancements" name="NetGainsRelatedToTheDispositionofAcquiredPropertyandPreforeclosureSalesIncludingCreditEnhancements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_NetTransfersFromAdvancestoLenderstoLoansHeldforInvestmentofConsolidatedTrusts1" name="NetTransfersFromAdvancestoLenderstoLoansHeldforInvestmentofConsolidatedTrusts1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_NettingArrangementsTextBlock" name="NettingArrangementsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_NonClassifiedMember" name="NonClassifiedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_NonDepositoryServicerMember" name="NonDepositoryServicerMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_NonGovernmentGuaranteeMember" name="NonGovernmentGuaranteeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_NonaccrualPolicyMember" name="NonaccrualPolicyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_NonconsolidatedFannieMaesecuritiesMember" name="NonconsolidatedFannieMaesecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_NortheastUnitedStatesMember" name="NortheastUnitedStatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_NumberOfAcquiredPropertiesValuatedPercentage" name="NumberOfAcquiredPropertiesValuatedPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_NumberOfDaysofNetWorthDeficitRequiredFHFAMustPlaceUsIntoReceivership1" name="NumberOfDaysofNetWorthDeficitRequiredFHFAMustPlaceUsIntoReceivership1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_NumberOfInsuranceCompaniesWhoProvidedMajorityOfMortgageInsurance" name="NumberOfInsuranceCompaniesWhoProvidedMajorityOfMortgageInsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_NumberOfLargestMortgageServicersServicingMajorityOfGuarantyBookOfBusiness" name="NumberOfLargestMortgageServicersServicingMajorityOfGuarantyBookOfBusiness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_NumberOfLoans30To59DaysPastDuePercentage" name="NumberOfLoans30To59DaysPastDuePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_NumberOfLoans60To89DaysPastDuePercentage" name="NumberOfLoans60To89DaysPastDuePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_NumberOfLoansSeriouslyDelinquentPercentageByCategory" name="NumberOfLoansSeriouslyDelinquentPercentageByCategory" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_NumberOfMortgageInsurersPubliclyDisclosedCreditQualityDeterioration" name="NumberOfMortgageInsurersPubliclyDisclosedCreditQualityDeterioration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_OffsettingTable" name="OffsettingTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_OffsettingTableTextBlock" name="OffsettingTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_OriginalLoanToValueRatioGreaterThanEightyPercentMember" name="OriginalLoanToValueRatioGreaterThanEightyPercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_OriginalLoanToValueRatioLessThanOrEqualToEightyPercentMember" name="OriginalLoanToValueRatioLessThanOrEqualToEightyPercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_OtherMortgageLoanMember" name="OtherMortgageLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_OtherStatesMember" name="OtherStatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_OtherValuationTechniqueMember" name="OtherValuationTechniqueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_PMIMortgageInsuranceCompanyMember" name="PMIMortgageInsuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_PastDueFinancingReceivablesTableTextBlockTableTextBlock" name="PastDueFinancingReceivablesTableTextBlockTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_PayFixedSwapMember" name="PayFixedSwapMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_PayFixedSwaptionMember" name="PayFixedSwaptionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_PaymentOfCashDividendsOnSeniorPreferredStockToTreasury" name="PaymentOfCashDividendsOnSeniorPreferredStockToTreasury" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_PaymentsForAdvancesToLenders" name="PaymentsForAdvancesToLenders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_PercentageOfCommonSharesAttributableToWarrantsIssuedToTreasuryAsPercentageToTotalDilutedCommonShares" name="PercentageOfCommonSharesAttributableToWarrantsIssuedToTreasuryAsPercentageToTotalDilutedCommonShares" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_PercentageOfConcentrationRisk" name="PercentageOfConcentrationRisk" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_PercentageOfInitialPrincipalLossTreasuryWillBearForTclfAndNibPrograms" name="PercentageOfInitialPrincipalLossTreasuryWillBearForTclfAndNibPrograms" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_PercentageOfLoansWithDetailedLoanLevelInformation" name="PercentageOfLoansWithDetailedLoanLevelInformation" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_PercentageOfUnpaidPrincipalBalanceOfLoans" name="PercentageOfUnpaidPrincipalBalanceOfLoans" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_PoolMortgageInsuranceCoverageRiskInForce" name="PoolMortgageInsuranceCoverageRiskInForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnm_PreferredStockCovenantCurrentPeriodDebtVSMaximumMortgageAssetsAllowedAtPriorYearEndMaximumRatio" name="PreferredStockCovenantCurrentPeriodDebtVSMaximumMortgageAssetsAllowedAtPriorYearEndMaximumRatio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_PreferredStockCovenantMaximumAggregateDebtAmountCurrentPeriod" name="PreferredStockCovenantMaximumAggregateDebtAmountCurrentPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_PreferredStockCovenantMaximumFairMarketValueofassetsandpropertiespertransaction" name="PreferredStockCovenantMaximumFairMarketValueofassetsandpropertiespertransaction" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_PreferredStockCovenantMaximumMortgageAssets" name="PreferredStockCovenantMaximumMortgageAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_PreferredStockDividendRateBasisSpreadOnVariableRate" name="PreferredStockDividendRateBasisSpreadOnVariableRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_PrimaryMortgageInsuranceCoverageRiskInForce" name="PrimaryMortgageInsuranceCoverageRiskInForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_PrimaryMortgageLoanMember" name="PrimaryMortgageLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_PrincipalAmountOutstandingOfLoansHeldForInvestment" name="PrincipalAmountOutstandingOfLoansHeldForInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_PrincipalAmountOutstandingonGuaranteedAgencySecuritiesHeldinportfolio" name="PrincipalAmountOutstandingonGuaranteedAgencySecuritiesHeldinportfolio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_PrincipalAmountOutstandingonGuaranteedNonAgencySecuritiesHeldinPortfolio" name="PrincipalAmountOutstandingonGuaranteedNonAgencySecuritiesHeldinPortfolio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_PrivateLabelSecuritiesSettlementsMember" name="PrivateLabelSecuritiesSettlementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ProprietaryHomePriceModelAndAppraisalsMember" name="ProprietaryHomePriceModelAndAppraisalsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_RealEstateAcquiredThroughForeclosureFairValueDisclosure" name="RealEstateAcquiredThroughForeclosureFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_ReceivableFromClaimsOnDefaultedLoansFromMortgageInsurersSellersAndServicers" name="ReceivableFromClaimsOnDefaultedLoansFromMortgageInsurersSellersAndServicers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_ReceiveFixedSwapMember" name="ReceiveFixedSwapMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ReceiveFixedSwaptionMember" name="ReceiveFixedSwaptionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_RecordedInvestmentMortgageLoansHeldForInvestment" name="RecordedInvestmentMortgageLoansHeldForInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_ReductioninDividendsPaid" name="ReductioninDividendsPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_RequestCovenantMortgageAssetsatYearEndMinimumRatioofProceedingYearEnd" name="RequestCovenantMortgageAssetsatYearEndMinimumRatioofProceedingYearEnd" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_ReserveForGuarantyLosses" name="ReserveForGuarantyLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fnm_ScheduleOfDelinquencyStatusGuarantyBookOfBusinessTableTextBlock" name="ScheduleOfDelinquencyStatusGuarantyBookOfBusinessTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_ScheduleOfRiskCharacteristicsGuarantyBookOfBusinessTableTextBlock" name="ScheduleOfRiskCharacteristicsGuarantyBookOfBusinessTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_ScheduleOfTradingSecuritiesGainsLossesNetTableTextBlock" name="ScheduleOfTradingSecuritiesGainsLossesNetTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SecuredBorrowingsMember" name="SecuredBorrowingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeniorFixedBenchmarkNotesAndBondsMember" name="SeniorFixedBenchmarkNotesAndBondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeniorFixedDebtMember" name="SeniorFixedDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeniorFixedMediumTermNotesMember" name="SeniorFixedMediumTermNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeniorFixedOtherDebtMember" name="SeniorFixedOtherDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeniorFloatingConnecticutAvenueSecurityMember" name="SeniorFloatingConnecticutAvenueSecurityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeniorFloatingDebtMember" name="SeniorFloatingDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeniorFloatingMediumTermNotesMember" name="SeniorFloatingMediumTermNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeniorFloatingOtherDebtMember" name="SeniorFloatingOtherDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_SeniorPreferredStockIssuedShares" name="SeniorPreferredStockIssuedShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_SeniorPreferredStockMember" name="SeniorPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_SeniorPreferredStockParOrStatedValuePerShare" name="SeniorPreferredStockParOrStatedValuePerShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_SeniorPreferredStockSharesOutstanding" name="SeniorPreferredStockSharesOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_SeniorPreferredStockValue" name="SeniorPreferredStockValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_Series20082SeniorPreferredStockMember" name="Series20082SeniorPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesIPreferredStockMember" name="SeriesIPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesLPreferredStockMember" name="SeriesLPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesMPreferredStockMember" name="SeriesMPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesNPreferredStockMember" name="SeriesNPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesOPreferredStockMember" name="SeriesOPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesPPreferredStockMember" name="SeriesPPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesQPreferredStockMember" name="SeriesQPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesRPreferredStockMember" name="SeriesRPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesSPreferredStockMember" name="SeriesSPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SeriesTPreferredStockMember" name="SeriesTPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_SeriousDelinquencyDayspastdue1" name="SeriousDelinquencyDayspastdue1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ServiceProvidersAxis" name="ServiceProvidersAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ServiceProvidersDomain" name="ServiceProvidersDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SingleClassMBSREMICMegasMember" name="SingleClassMBSREMICMegasMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_SingleFamilyGuarantyFeeTemporaryPayrollTaxCutContinuationActOf2011" name="SingleFamilyGuarantyFeeTemporaryPayrollTaxCutContinuationActOf2011" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnm_SingleFamilyGuarantyFees10BasisPointsIncreaseDueToProvisionStatedInTemporaryPayrollTaxCutContinuationActOf2011PolicyTextBlock" name="SingleFamilyGuarantyFees10BasisPointsIncreaseDueToProvisionStatedInTemporaryPayrollTaxCutContinuationActOf2011PolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SingleVendorWithInputsMember" name="SingleVendorWithInputsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SingleVendorWithoutInputsMember" name="SingleVendorWithoutInputsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SoutheastUnitedStatesMember" name="SoutheastUnitedStatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_SouthwestUnitedStatesMember" name="SouthwestUnitedStatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_TableFootnoteAbstract" name="TableFootnoteAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_TenYearMaturityUSTreasuryRateMember" name="TenYearMaturityUSTreasuryRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ThreeMajorLendersMember" name="ThreeMajorLendersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ThreeMonthLiborMember" name="ThreeMonthLiborMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_TotalAvailableFundingfromTreasuryPursuanttotheSeniorPreferredStockAgreement" name="TotalAvailableFundingfromTreasuryPursuanttotheSeniorPreferredStockAgreement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_TotalMortgageInsuranceCoverageRiskInForceAsPercentageOfUnpaidPrincipalBalanceInGuarantyBookOfBusiness" name="TotalMortgageInsuranceCoverageRiskInForceAsPercentageOfUnpaidPrincipalBalanceInGuarantyBookOfBusiness" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fnm_TransfersFromLoansHeldForInvestmentOfParentCompanyToLoansHeldForInvestmentOfConsolidatedTrusts" name="TransfersFromLoansHeldForInvestmentOfParentCompanyToLoansHeldForInvestmentOfConsolidatedTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fnm_Transfersofmortgageloansfromheldforinvestmenttoheldforsale" name="Transfersofmortgageloansfromheldforinvestmenttoheldforsale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_TriadGuarantyInsuranceCorporation1Member" name="TriadGuarantyInsuranceCorporation1Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_TwoYearMaturityUSTreasuryRateMember" name="TwoYearMaturityUSTreasuryRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_UnconditionalPurchaseObligationLineItems" name="UnconditionalPurchaseObligationLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_UnconditionalPurchaseObligationTable" name="UnconditionalPurchaseObligationTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_UnpaidPrincipalBalanceOfPortfolioSecuritizations" name="UnpaidPrincipalBalanceOfPortfolioSecuritizations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_UnpaidPrincipalBalanceSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" name="UnpaidPrincipalBalanceSecuritiesRetainedUnconsolidatedPortfolioSecuritizationTrusts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_Unpaidprincipalbalanceguaranteedbyarelatedparty" name="Unpaidprincipalbalanceguaranteedbyarelatedparty" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fnm_UnrecognizedTaxBenefitResultinginTaxCreditsandorNetOperatingLossCarryforward" name="UnrecognizedTaxBenefitResultinginTaxCreditsandorNetOperatingLossCarryforward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_UsTreasuryMember" name="UsTreasuryMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fnm_ValuationLossGain" name="ValuationLossGain" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fnm_VariableInterestEntityConclusiontoConsolidateChangeinFactsandCircumstancesAmount" name="VariableInterestEntityConclusiontoConsolidateChangeinFactsandCircumstancesAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fnm_Vintages2004andPriorMember" name="Vintages2004andPriorMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_Vintages2005to2008Member" name="Vintages2005to2008Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_Vintages2009toCurrentYearMember" name="Vintages2009toCurrentYearMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_WalkForwardsMember" name="WalkForwardsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_WestUnitedStatesMember" name="WestUnitedStatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fnm_ZeroCouponDebtMember" name="ZeroCouponDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
