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  <xs:element id="figr_LiabilityForLoanOriginationsCollateralizedByDigitalAssets" abstract="false" name="LiabilityForLoanOriginationsCollateralizedByDigitalAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DigitalAssetsHeldForSaleAbstract" abstract="true" name="DigitalAssetsHeldForSaleAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_CryptoAssetNumberOfUnitsSubjectToLockUpPeriod" abstract="false" name="CryptoAssetNumberOfUnitsSubjectToLockUpPeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_CryptoAssetsHeldAsCollateralMember" abstract="true" name="CryptoAssetsHeldAsCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_CryptoAssetHeldForSaleMember" abstract="true" name="CryptoAssetHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_DomesticSolanaFundMember" abstract="true" name="DomesticSolanaFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ReflowMember" abstract="true" name="ReflowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FigSIXMember" abstract="true" name="FigSIXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_JAMFINTOPMember" abstract="true" name="JAMFINTOPMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_TotalEquityMethodInvestmentsMember" abstract="true" name="TotalEquityMethodInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MeasurementAlternativeInvestmentsMember" abstract="true" name="MeasurementAlternativeInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_EquityInvestmentsMember" abstract="true" name="EquityInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MeasurementAlternativeInvestmentAbstract" abstract="true" name="MeasurementAlternativeInvestmentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_EquityMethodInvestmentsAndAlternativeInvestments" abstract="false" name="EquityMethodInvestmentsAndAlternativeInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_MortgageLoansMember" abstract="true" name="MortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ServicingAssetLoansManagedNumberOfLoans" abstract="false" name="ServicingAssetLoansManagedNumberOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_BorrowerPaymentsMember" abstract="true" name="BorrowerPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ServicingOfFinancialAssetsRollForward" abstract="true" name="ServicingOfFinancialAssetsRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_VirginiaForTheMostPartMember" abstract="true" name="VirginiaForTheMostPartMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ColoradoForTheMostPartMember" abstract="true" name="ColoradoForTheMostPartMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoansUnderlyingServicingAssetsMember" abstract="true" name="LoansUnderlyingServicingAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_PersonalLoansMember" abstract="true" name="PersonalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_OtherLoansMember" abstract="true" name="OtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoansHeldForSaleMember" abstract="true" name="LoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoansHeldForSaleNumberOfLoans" abstract="false" name="LoansHeldForSaleNumberOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_FinancingReceivableBenchmarkMember" abstract="true" name="FinancingReceivableBenchmarkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoanOriginationsRiskMember" abstract="true" name="LoanOriginationsRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_TopFiveOriginatorsMember" abstract="true" name="TopFiveOriginatorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_TopFiveLoanPurchasersMember" abstract="true" name="TopFiveLoanPurchasersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleNonaccrual" abstract="false" name="FinancingReceivableHeldForSaleNonaccrual" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PrincipalAmountOutstandingOnLoansOriginated" abstract="false" name="PrincipalAmountOutstandingOnLoansOriginated" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_PrincipalAmountOutstandingOnLoansPurchased" abstract="false" name="PrincipalAmountOutstandingOnLoansPurchased" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancialAssetForbearanceMember" abstract="true" name="FinancialAssetForbearanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoansHeldForSaleAbstract" abstract="true" name="LoansHeldForSaleAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleTransfersFromHeldForInvestmentToHeldForSale" abstract="false" name="FinancingReceivableHeldForSaleTransfersFromHeldForInvestmentToHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleOriginations" abstract="false" name="FinancingReceivableHeldForSaleOriginations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSalePrincipalPayments" abstract="false" name="FinancingReceivableHeldForSalePrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleChangeInFairValue" abstract="false" name="FinancingReceivableHeldForSaleChangeInFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_FinancingReceivableHeldForSaleLoansNotYetRepurchased" abstract="false" name="FinancingReceivableHeldForSaleLoansNotYetRepurchased" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentAbstract" abstract="true" name="LoansHeldForInvestmentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentAtFairValue" abstract="false" name="LoansHeldForInvestmentAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentTransfersFromHeldForInvestment" abstract="false" name="LoansHeldForInvestmentTransfersFromHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentPurchases" abstract="false" name="LoansHeldForInvestmentPurchases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentOriginations" abstract="false" name="LoansHeldForInvestmentOriginations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentSalesNetOfRepurchases" abstract="false" name="LoansHeldForInvestmentSalesNetOfRepurchases" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentPrincipalPayments" abstract="false" name="LoansHeldForInvestmentPrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentChangeInFairValue" abstract="false" name="LoansHeldForInvestmentChangeInFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentLoansNotYetRepurchased" abstract="false" name="LoansHeldForInvestmentLoansNotYetRepurchased" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_WarehouseFacility3Member" abstract="true" name="WarehouseFacility3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_WarehouseFacility4Member" abstract="true" name="WarehouseFacility4Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_WarehouseFacility5Member" abstract="true" name="WarehouseFacility5Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_REITWarehouseMember" abstract="true" name="REITWarehouseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_WarehouseFacility6Member" abstract="true" name="WarehouseFacility6Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_WarehouseFacility7Member" abstract="true" name="WarehouseFacility7Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_WarehouseFacility8Member" abstract="true" name="WarehouseFacility8Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_WarehouseFacility9Member" abstract="true" name="WarehouseFacility9Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_WarehouseFacility10Member" abstract="true" name="WarehouseFacility10Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_WarehouseFacility11Member" abstract="true" name="WarehouseFacility11Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_Lender1Member" abstract="true" name="Lender1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_RetainedInterestFacilityMember" abstract="true" name="RetainedInterestFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FCCCertificatesMember" abstract="true" name="FCCCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_DemocratizedPrimeYLDSDebtMember" abstract="true" name="DemocratizedPrimeYLDSDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FundingDebtMember" abstract="true" name="FundingDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MSRFinancingMember" abstract="true" name="MSRFinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FinancedRetainedInterestsMember" abstract="true" name="FinancedRetainedInterestsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LongTermDebtExcludingDebtAtFairValue" abstract="false" name="LongTermDebtExcludingDebtAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentQuarterlyVariableExitFeeBasisFirstPrincipalBalanceRepurchasedAmount" abstract="false" name="DebtInstrumentQuarterlyVariableExitFeeBasisFirstPrincipalBalanceRepurchasedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentRepurchaseExitFeePercentage" abstract="false" name="DebtInstrumentRepurchaseExitFeePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_DebtInstrumentVariableExitFeeBasisPrincipalBalanceRepurchasedExceedingAmount" abstract="false" name="DebtInstrumentVariableExitFeeBasisPrincipalBalanceRepurchasedExceedingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodAmount" abstract="false" name="DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodMaximumAmount" abstract="false" name="DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodMaximumAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentExitFeeRepurchasedNonSecuritizedLoanAmountMaximum" abstract="false" name="DebtInstrumentExitFeeRepurchasedNonSecuritizedLoanAmountMaximum" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentMaturityPeriod" abstract="false" name="DebtInstrumentMaturityPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_RecourseDebtMember" abstract="true" name="RecourseDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_NonrecourseDebtMember" abstract="true" name="NonrecourseDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LongTermDebtMaturityYearFourThereafter" abstract="false" name="LongTermDebtMaturityYearFourThereafter" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_RevolvingCreditFacilityUpsizeOptionMember" abstract="true" name="RevolvingCreditFacilityUpsizeOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LineOfCreditFacilityCommittedBorrowingCapacityAmount" abstract="false" name="LineOfCreditFacilityCommittedBorrowingCapacityAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentExitFeePercentage" abstract="false" name="DebtInstrumentExitFeePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_DebtInstrumentExitFeeAmountAnnualMaximum" abstract="false" name="DebtInstrumentExitFeeAmountAnnualMaximum" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmount" abstract="false" name="AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmountPercentage" abstract="false" name="AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmountPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanAmount" abstract="false" name="AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanPercenatge" abstract="false" name="AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanPercenatge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_NumberOfVotesForEachShareOfCommonStockHeld" abstract="false" name="NumberOfVotesForEachShareOfCommonStockHeld" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_CommonClassAAndClassBMember" abstract="true" name="CommonClassAAndClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_TotalCommonStockAndPreferredStockSharesAuthorized" abstract="false" name="TotalCommonStockAndPreferredStockSharesAuthorized" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_TotalCommonStockAndPreferredStockSharesIssued" abstract="false" name="TotalCommonStockAndPreferredStockSharesIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_TotalCommonStockAndPreferredStockSharesOutstanding" abstract="false" name="TotalCommonStockAndPreferredStockSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_RestrictedStockUnitsAbstract" abstract="true" name="RestrictedStockUnitsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_SeriesSeedPreferredStockMember" abstract="true" name="SeriesSeedPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SeriesC1PreferredStockMember" abstract="true" name="SeriesC1PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SeriesC2PreferredStockMember" abstract="true" name="SeriesC2PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SeriesEPreferredSharesInExchangeForSoftwareLicenseMember" abstract="true" name="SeriesEPreferredSharesInExchangeForSoftwareLicenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_PreferredSharesInExchangeForOneYearOfSoftwareDevelopmentServicesMember" abstract="true" name="PreferredSharesInExchangeForOneYearOfSoftwareDevelopmentServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SeriesEPreferredSharesInExchangeForTwoYearsOfOtherServicesMember" abstract="true" name="SeriesEPreferredSharesInExchangeForTwoYearsOfOtherServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ClassOfWarrantOrRightGrantDateFairValueOfWarrantsNumberOfSecurities" abstract="false" name="ClassOfWarrantOrRightGrantDateFairValueOfWarrantsNumberOfSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_MarketBasedRSUsMember" abstract="true" name="MarketBasedRSUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_CommonStockThresholdTradingDays" abstract="false" name="CommonStockThresholdTradingDays" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_OperationsAndProcessingExpenseMember" abstract="true" name="OperationsAndProcessingExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_A2024EquityIncentivePlanMember" abstract="true" name="A2024EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_A2025IncentiveAwardPlanMember" abstract="true" name="A2025IncentiveAwardPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsGrantedToDateGross" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsGrantedToDateGross" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember" abstract="true" name="ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage" abstract="false" name="SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="figr_FigureCertificateMember" abstract="true" name="FigureCertificateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ThirdPartyOwnersMember" abstract="true" name="ThirdPartyOwnersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_NoncontrollingInterestInLimitedPartnershipsSoldPercentage" abstract="false" name="NoncontrollingInterestInLimitedPartnershipsSoldPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="figr_FinancingReceivableTermToBorrowUndrawnFunds" abstract="false" name="FinancingReceivableTermToBorrowUndrawnFunds" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_FinancingReceivableModifiedCommitmentToLendSettledWithinAWeek" abstract="false" name="FinancingReceivableModifiedCommitmentToLendSettledWithinAWeek" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_ProvenanceServiceAgreementMember" abstract="true" name="ProvenanceServiceAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_ProceedsFromCollectionOfFinanceReceivablesPrincipal" abstract="false" name="ProceedsFromCollectionOfFinanceReceivablesPrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_DigitalAssetCollateralRepaymentObligationLiabilityFairValueDisclosure" abstract="false" name="DigitalAssetCollateralRepaymentObligationLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CertificateRepaymentObligationLiabilityFairValueDisclosure" abstract="false" name="CertificateRepaymentObligationLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_ChangeImpactMinus20PercentageMember" abstract="true" name="ChangeImpactMinus20PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactMinus10PercentageMember" abstract="true" name="ChangeImpactMinus10PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_LoansTransfersFromLoansHeldForSaleToLoansHeldForInvestment" abstract="false" name="LoansTransfersFromLoansHeldForSaleToLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_LineOfCreditFacilityMaximumBorrowingCapacityIncreaseDecrease" abstract="false" name="LineOfCreditFacilityMaximumBorrowingCapacityIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ConversionOfPreferredStockIntoCommonStockAtThenEffectiveConversionRateUponAQualifyingInitialPublicOfferingAggregateGrossProceedsGreaterThanAmount" abstract="false" name="ConversionOfPreferredStockIntoCommonStockAtThenEffectiveConversionRateUponAQualifyingInitialPublicOfferingAggregateGrossProceedsGreaterThanAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_WarrantsExchangeForPreferredSharesMember" abstract="true" name="WarrantsExchangeForPreferredSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_ClassOfWarrantOrRightGrantedDuringPeriodShares" abstract="false" name="ClassOfWarrantOrRightGrantedDuringPeriodShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="figr_TermNoteInterestBearingMember" abstract="true" name="TermNoteInterestBearingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_LoanHeldForInvestmentFairValueDisclosure" abstract="false" name="LoanHeldForInvestmentFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LoansHeldForInvestmentMeasurementInput" abstract="false" name="LoansHeldForInvestmentMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="figr_EffectiveIncomeTaxRateReconciliationNondeductibleExpensePermanentDifferencePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpensePermanentDifferencePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_DeferredTaxAssetLeasingArrangements" abstract="false" name="DeferredTaxAssetLeasingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DeferredTaxLiabilitiesServicingAsset" abstract="false" name="DeferredTaxLiabilitiesServicingAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DeferredTaxLiabilitiesRightOfUseAssets" abstract="false" name="DeferredTaxLiabilitiesRightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
