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  <xs:element id="fnm_ComponentOfCriticalCapitalRequirementPercentageOfOffBalanceSheetObligations" abstract="false" name="ComponentOfCriticalCapitalRequirementPercentageOfOffBalanceSheetObligations" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_PercentageOfUnpaidPrincipalBalanceOfLoans" abstract="false" name="PercentageOfUnpaidPrincipalBalanceOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_Loans60To89DaysPastDuePercentageOfUnpaidPrincipalBalance" abstract="false" name="Loans60To89DaysPastDuePercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_CommitmentsToPurchaseAndSellMortgageLoansAndSecuritiesPolicyTextBlock" abstract="false" name="CommitmentsToPurchaseAndSellMortgageLoansAndSecuritiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_FinancialGuaranteesandMaximumRecoveryLineItems" abstract="true" name="FinancialGuaranteesandMaximumRecoveryLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_SeriesPPreferredStockMember" abstract="true" name="SeriesPPreferredStockMember" 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_TotalAvailableFundingFromTreasuryPursuantToTheSeniorPreferredStockAgreement" abstract="false" name="TotalAvailableFundingFromTreasuryPursuantToTheSeniorPreferredStockAgreement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedSubjectToMasterNettingArrangements" abstract="false" name="DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedSubjectToMasterNettingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_RelatedPartiesPolicyPolicyTextBlock" abstract="false" name="RelatedPartiesPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_SeniorPreferredStockLiquidationPreferenceValue" abstract="false" name="SeniorPreferredStockLiquidationPreferenceValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ComponentOfStatutoryMinimumCapitalRequirementPercentageOfUnpaidPrincipalBalanceOfFannieMaeMbsHeldByThirdParties" abstract="false" name="ComponentOfStatutoryMinimumCapitalRequirementPercentageOfUnpaidPrincipalBalanceOfFannieMaeMbsHeldByThirdParties" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedSubjectToMasterNettingArrangement" abstract="false" name="DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedSubjectToMasterNettingArrangement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PrincipalAmountOutstandingOfLoansHeldForInvestment" abstract="false" name="PrincipalAmountOutstandingOfLoansHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PoolMortgageInsuranceCoverageRiskInForce" abstract="false" name="PoolMortgageInsuranceCoverageRiskInForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_TenYearMaturityUSTreasuryRateMember" abstract="true" name="TenYearMaturityUSTreasuryRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ConsolidationsAndTransfersOfFinancialAssetsTextBlock" abstract="false" name="ConsolidationsAndTransfersOfFinancialAssetsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_SeniorPreferredStockIssuedShares" abstract="false" name="SeniorPreferredStockIssuedShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_NetGainsRelatedToTheDispositionofAcquiredPropertyandPreforeclosureSalesIncludingCreditEnhancements" abstract="false" name="NetGainsRelatedToTheDispositionofAcquiredPropertyandPreforeclosureSalesIncludingCreditEnhancements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_SeniorFloatingConnecticutAvenueSecurityMember" abstract="true" name="SeniorFloatingConnecticutAvenueSecurityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_NumberOfLoansSeriouslyDelinquentPercentageByCategory" abstract="false" name="NumberOfLoansSeriouslyDelinquentPercentageByCategory" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_MortgageLoansOnRealEstateUnpaidPrincipalBalance" abstract="false" name="MortgageLoansOnRealEstateUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_RestrictedCashAndCashEquivalentsMember" abstract="true" name="RestrictedCashAndCashEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_PreferredStockDividendRateBasisSpreadOnVariableRate" abstract="false" name="PreferredStockDividendRateBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_VariableInterestEntityConclusiontoConsolidateChangeinFactsandCircumstancesAmount" abstract="false" name="VariableInterestEntityConclusiontoConsolidateChangeinFactsandCircumstancesAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FHFAassessmentfeesexpense" abstract="false" name="FHFAassessmentfeesexpense" 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-types:domainItemType"/>
  <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_PaymentOfCashDividendsOnSeniorPreferredStockToTreasury" abstract="false" name="PaymentOfCashDividendsOnSeniorPreferredStockToTreasury" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SeniorPreferredStockValue" abstract="false" name="SeniorPreferredStockValue" nillable="true" xbrli:periodType="instant" 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_OriginalLoanToValueRatioGreaterThanEightyPercentMember" abstract="true" name="OriginalLoanToValueRatioGreaterThanEightyPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_TriadGuarantyInsuranceCorporation1Member" abstract="true" name="TriadGuarantyInsuranceCorporation1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_MortgageInsuranceCoverageRiskInForceInsuranceClaimPercentageToBePaidInCashByMortgageInsurer" abstract="false" name="MortgageInsuranceCoverageRiskInForceInsuranceClaimPercentageToBePaidInCashByMortgageInsurer" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_IncreaseDecreaseInServicerAdvances" abstract="false" name="IncreaseDecreaseInServicerAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAvailableForSaleSecuritiesOtherThanTemporaryImpairmentRecorded" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossNetOfTaxAvailableForSaleSecuritiesOtherThanTemporaryImpairmentRecorded" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_PreferredStockCovenantCurrentPeriodDebtVSMaximumMortgageAssetsAllowedAtPriorYearEndMaximumRatio" abstract="false" name="PreferredStockCovenantCurrentPeriodDebtVSMaximumMortgageAssetsAllowedAtPriorYearEndMaximumRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_Vintages2009toCurrentYearMember" abstract="true" name="Vintages2009toCurrentYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_Creditrelatedincomeexpense" abstract="false" name="Creditrelatedincomeexpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SeriesSPreferredStockMember" abstract="true" name="SeriesSPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_NonconsolidatedFannieMaesecuritiesMember" abstract="true" name="NonconsolidatedFannieMaesecuritiesMember" 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_ConvertibleStockConversionPrice" abstract="false" name="ConvertibleStockConversionPrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <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_NonDepositoryServicerMember" abstract="true" name="NonDepositoryServicerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_WellsFargoBankN.A.Member" abstract="true" name="WellsFargoBankN.A.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_TableFootnoteAbstract" abstract="true" name="TableFootnoteAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_ComponentOfStatutoryMinimumCapitalRequirementPercentageOfOnBalanceSheetAssetsExceptThoseUnderlyingFannieMaeMbsHeldByThirdParties" abstract="false" name="ComponentOfStatutoryMinimumCapitalRequirementPercentageOfOnBalanceSheetAssetsExceptThoseUnderlyingFannieMaeMbsHeldByThirdParties" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_AffordableHousingProgramObligationPortion" abstract="false" name="AffordableHousingProgramObligationPortion" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_BasisPointsofEachDollarofUnpaidPrincipalBalance" abstract="false" name="BasisPointsofEachDollarofUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_AdvancesToLendersFairValueDisclosure" abstract="false" name="AdvancesToLendersFairValueDisclosure" 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_ConversionStockConversionRate" abstract="false" name="ConversionStockConversionRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <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_NationalMortgageInsuranceCorpMember" abstract="true" name="NationalMortgageInsuranceCorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_Contractualtermsofourguarantees1" abstract="false" name="Contractualtermsofourguarantees1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_SeriesTPreferredStockMember" abstract="true" name="SeriesTPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeriesNPreferredStockMember" abstract="true" name="SeriesNPreferredStockMember" 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-types:domainItemType"/>
  <xs:element id="fnm_Loans30To59DaysPastDuePercentageOfUnpaidPrincipalBalance" abstract="false" name="Loans30To59DaysPastDuePercentageOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_ArchCapitalGroupLtd.Member" abstract="true" name="ArchCapitalGroupLtd.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_AltAMortgageLoansMember" abstract="true" name="AltAMortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ServiceProvidersAxis" abstract="true" name="ServiceProvidersAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_ForeclosedRealEstateExpenseIncome" abstract="false" name="ForeclosedRealEstateExpenseIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ForwardContractsToPurchaseMortgageRelatedSecuritiesMember" abstract="true" name="ForwardContractsToPurchaseMortgageRelatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_IncreaseOfGuaranteeFeeRateResultingFromTemporaryPayrollTaxCutContinuationActOf2011" abstract="false" name="IncreaseOfGuaranteeFeeRateResultingFromTemporaryPayrollTaxCutContinuationActOf2011" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_SeriesRPreferredStockMember" abstract="true" name="SeriesRPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_OriginalLoanToValueRatioLessThanOrEqualToEightyPercentMember" abstract="true" name="OriginalLoanToValueRatioLessThanOrEqualToEightyPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_Vintages2004andPriorMember" abstract="true" name="Vintages2004andPriorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_PMIMortgageInsuranceCompanyMember" abstract="true" name="PMIMortgageInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeriousDelinquencyDayspastdue1" abstract="false" name="SeriousDelinquencyDayspastdue1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fnm_ConvertibleSeries20041PreferredStockMember" abstract="true" name="ConvertibleSeries20041PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_LiabilityToTreasuryRelatedToIncreaseInSingleFamilyGuarantyFeeResultingFromTemporaryPayrollTaxCutContinuationActOf2011" abstract="false" name="LiabilityToTreasuryRelatedToIncreaseInSingleFamilyGuarantyFeeResultingFromTemporaryPayrollTaxCutContinuationActOf2011" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_DeficitOfCoreCapitalOverStatutoryMinimumCapitalRequirement" abstract="false" name="DeficitOfCoreCapitalOverStatutoryMinimumCapitalRequirement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ScheduleOfDelinquencyStatusGuarantyBookOfBusinessTableTextBlock" abstract="false" name="ScheduleOfDelinquencyStatusGuarantyBookOfBusinessTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_SingleVendorWithoutInputsMember" abstract="true" name="SingleVendorWithoutInputsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ForwardContractsToSellMortgageRelatedSecuritiesMember" abstract="true" name="ForwardContractsToSellMortgageRelatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_EarlyLenderFundingAdvancesMaximumTerm" abstract="false" name="EarlyLenderFundingAdvancesMaximumTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_FairValueMeasurementsUsingSignificantUnobservableInputLevel3TableTextBlock" abstract="false" name="FairValueMeasurementsUsingSignificantUnobservableInputLevel3TableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_OffsettingTableTextBlock" abstract="false" name="OffsettingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fnm_ComponentOfCriticalCapitalRequirementPercentageOfOnBalanceSheetAssetsExceptThoseUnderlyingFannieMaeMbsHeldByThirdParties" abstract="false" name="ComponentOfCriticalCapitalRequirementPercentageOfOnBalanceSheetAssetsExceptThoseUnderlyingFannieMaeMbsHeldByThirdParties" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_AggregateLiquidationPreferenceOfSeniorPreferredStock" abstract="false" name="AggregateLiquidationPreferenceOfSeniorPreferredStock" 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_ValuationLossGain" abstract="false" name="ValuationLossGain" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_WestUnitedStatesMember" abstract="true" name="WestUnitedStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_NettingArrangementsTextBlock" abstract="false" name="NettingArrangementsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_TotalRiskManagementDerivativesPortfolioMember" abstract="true" name="TotalRiskManagementDerivativesPortfolioMember" 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_ChangeInExpectedCreditEnhancementRecoveries" abstract="false" name="ChangeInExpectedCreditEnhancementRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SeriesQPreferredStockMember" abstract="true" name="SeriesQPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_FiveMajorLendersMember" abstract="true" name="FiveMajorLendersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_EarlierOfContractualMaturityOrNextCallDateMember" abstract="true" name="EarlierOfContractualMaturityOrNextCallDateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_UnpaidPrincipalBalanceOfPortfolioSecuritizations" abstract="false" name="UnpaidPrincipalBalanceOfPortfolioSecuritizations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_CurrentDebtServiceCoverageRatioHigherRiskLoans1" abstract="false" name="CurrentDebtServiceCoverageRatioHigherRiskLoans1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fnm_GenworthMortgageInsuranceCorp.Member" abstract="true" name="GenworthMortgageInsuranceCorp.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_ComponentOfStatutoryMinimumCapitalRequirementPercentageOfOffBalanceSheetObligationsMaximum" abstract="false" name="ComponentOfStatutoryMinimumCapitalRequirementPercentageOfOffBalanceSheetObligationsMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_PayFixedSwaptionMember" abstract="true" name="PayFixedSwaptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeniorFloatingMediumTermNotesMember" abstract="true" name="SeniorFloatingMediumTermNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_LoansInMortgagePortfolioTable" abstract="true" name="LoansInMortgagePortfolioTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <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_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTable" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_TotalMortgageInsuranceCoverageRiskInForceAsPercentageOfUnpaidPrincipalBalanceInGuarantyBookOfBusiness" abstract="false" name="TotalMortgageInsuranceCoverageRiskInForceAsPercentageOfUnpaidPrincipalBalanceInGuarantyBookOfBusiness" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_NortheastUnitedStatesMember" abstract="true" name="NortheastUnitedStatesMember" 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_AdvanceToLender" abstract="false" name="AdvanceToLender" 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_Vintages2005to2008Member" abstract="true" name="Vintages2005to2008Member" 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_MortgageInsuranceCoverageRiskInForceInsurersWithPubliclyDisclosedFinancialWeakness" abstract="false" name="MortgageInsuranceCoverageRiskInForceInsurersWithPubliclyDisclosedFinancialWeakness" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_SingleVendorWithInputsMember" abstract="true" name="SingleVendorWithInputsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ScheduleOfTradingSecuritiesGainsLossesNetTableTextBlock" abstract="false" name="ScheduleOfTradingSecuritiesGainsLossesNetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_InterestRateRiskOnDebtMember" abstract="true" name="InterestRateRiskOnDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_CashCashEquivalentsAndRestrictedCashFairValueDisclosure" abstract="false" name="CashCashEquivalentsAndRestrictedCashFairValueDisclosure" 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-types:domainItemType"/>
  <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_DepositoryServicerMember" abstract="true" name="DepositoryServicerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_TwoYearMaturityUSTreasuryRateMember" abstract="true" name="TwoYearMaturityUSTreasuryRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_MortgageCommitmentDerivativesMember" abstract="true" name="MortgageCommitmentDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_MidwestUnitedStatesMember" abstract="true" name="MidwestUnitedStatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SeriesOPreferredStockMember" abstract="true" name="SeriesOPreferredStockMember" 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_OriginalLoanToValueRatio9001To100Member" abstract="true" name="OriginalLoanToValueRatio9001To100Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_UsGaap_AffordableHousingProgramAssessments" abstract="false" name="UsGaap_AffordableHousingProgramAssessments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_SeniorFixedBenchmarkNotesAndBondsMember" abstract="true" name="SeniorFixedBenchmarkNotesAndBondsMember" 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_InsuranceServiceProviderConcentrationRiskMember" abstract="true" name="InsuranceServiceProviderConcentrationRiskMember" 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_EstimatedMarkToMarketLoanToValueRatioGreaterThan100PercentLoansRecordedInvestmentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan100PercentLoansRecordedInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_SouthwestUnitedStatesMember" abstract="true" name="SouthwestUnitedStatesMember" 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_OffsettingTable" abstract="true" name="OffsettingTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fnm_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fnm_RecordedInvestmentMortgageLoansHeldForInvestment" abstract="false" name="RecordedInvestmentMortgageLoansHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAvailableForSaleGainLossOtherThanTemporaryImpairmentRecorded" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossNetOfTaxAvailableForSaleGainLossOtherThanTemporaryImpairmentRecorded" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_NetTransfersFromAdvancestoLenderstoLoansHeldforInvestmentofConsolidatedTrusts1" abstract="false" name="NetTransfersFromAdvancestoLenderstoLoansHeldforInvestmentofConsolidatedTrusts1" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnm_ProceedsFromSaleAndPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" abstract="false" name="ProceedsFromSaleAndPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_RadianGuarantyIncMember" abstract="true" name="RadianGuarantyIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ComponentOfCriticalCapitalRequirementPercentageOfUnpaidPrincipalBalanceOfFannieMaeMbsHeldByThirdParties" abstract="false" name="ComponentOfCriticalCapitalRequirementPercentageOfUnpaidPrincipalBalanceOfFannieMaeMbsHeldByThirdParties" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fnm_ThreeMonthLiborMember" abstract="true" name="ThreeMonthLiborMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_EstimatedMarkToMarketLoanToValueRatioGreaterThan90PercentAndLessThanOrEqualTo100PercentMember" abstract="true" name="EstimatedMarkToMarketLoanToValueRatioGreaterThan90PercentAndLessThanOrEqualTo100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnm_AdvancesToLendersPolicyTextBlock" abstract="false" name="AdvancesToLendersPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
</xs:schema>
