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  <xs:element id="figr_UnrealizedLossesOnFutures" abstract="false" name="UnrealizedLossesOnFutures" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DistributionsFromInvestment" abstract="false" name="DistributionsFromInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_StockBasedCompensationIncludedInCapitalizedInternallyDevelopedSoftware" abstract="false" name="StockBasedCompensationIncludedInCapitalizedInternallyDevelopedSoftware" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_MarketableSecuritiesRetainedInSecuritizationTransactions" abstract="false" name="MarketableSecuritiesRetainedInSecuritizationTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_NonCashPaymentsIssuedThroughDebt" abstract="false" name="NonCashPaymentsIssuedThroughDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ScheduleOfLoansHeldForSaleAndOtherReceivablesTableTextBlock" abstract="false" name="ScheduleOfLoansHeldForSaleAndOtherReceivablesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="figr_ScheduleOfLoansHeldForSaleFairValueDisclosureTableTextBlock" abstract="false" name="ScheduleOfLoansHeldForSaleFairValueDisclosureTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="figr_ScheduleOfNoncontrollingInterestsTableTextBlock" abstract="false" name="ScheduleOfNoncontrollingInterestsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="figr_UnderwritersMember" abstract="true" name="UnderwritersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ShareRepurchaseMember" abstract="true" name="ShareRepurchaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_CashAndCashEquivalentsIncreaseDecrease" abstract="false" name="CashAndCashEquivalentsIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_SharesAcquiredOfferingPricePerShare" abstract="false" name="SharesAcquiredOfferingPricePerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_RevisionOfPriorPeriodAsAdjustedMember" abstract="true" name="RevisionOfPriorPeriodAsAdjustedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_PurchaseOfMarketableSecuritiesOperating" abstract="false" name="PurchaseOfMarketableSecuritiesOperating" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_CustomerFourMember" abstract="true" name="CustomerFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_TreasuryNoteFutureMember" abstract="true" name="TreasuryNoteFutureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_CashAndCashEquivalentsExcludingPaymentStablecoins" abstract="false" name="CashAndCashEquivalentsExcludingPaymentStablecoins" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_SubServicerReceivable" abstract="false" name="SubServicerReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_AccountsReceivableOtherCurrent" abstract="false" name="AccountsReceivableOtherCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_CapitalizedComputerSoftwareUsefulLife" abstract="false" name="CapitalizedComputerSoftwareUsefulLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="figr_EthereumETHMember" abstract="true" name="EthereumETHMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_SolanaSOLMember" abstract="true" name="SolanaSOLMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_UnitedStatesDollarTetherUSDTMember" abstract="true" name="UnitedStatesDollarTetherUSDTMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_KaminoLiquidityPoolsMember" abstract="true" name="KaminoLiquidityPoolsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_HASHMember" abstract="true" name="HASHMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <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_CryptoAssetPurchaseIncreaseDecrease" abstract="false" name="CryptoAssetPurchaseIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_CryptoAssetSalesIncreaseDecrease" abstract="false" name="CryptoAssetSalesIncreaseDecrease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_FigSIXMortgageLLCMember" abstract="true" name="FigSIXMortgageLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_VSEvergreenFundGPLLCMember" abstract="true" name="VSEvergreenFundGPLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_VSEvergreenFinancingFundLPMember" abstract="true" name="VSEvergreenFinancingFundLPMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="figr_EquityMethodInvestmentsAndAlternativeInvestments" abstract="false" name="EquityMethodInvestmentsAndAlternativeInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_ServicingAssetLoansManagedNumberOfLoans" abstract="false" name="ServicingAssetLoansManagedNumberOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="figr_CollateralizedLoanServicingRights" abstract="false" name="CollateralizedLoanServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ServicingOfFinancialAssetsRollForward" abstract="true" name="ServicingOfFinancialAssetsRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="figr_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" abstract="false" name="ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <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_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_LoansHeldForSaleAtFairValueCollateralizedUnderRepurchaseAgreements" abstract="false" name="LoansHeldForSaleAtFairValueCollateralizedUnderRepurchaseAgreements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_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_FinancingReceivableHeldForSaleNonaccrual" abstract="false" name="FinancingReceivableHeldForSaleNonaccrual" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_PrincipalAmountOutstandingOnLoansOriginated" abstract="false" name="PrincipalAmountOutstandingOnLoansOriginated" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_FinancingReceivableHeldForSaleOriginations" abstract="false" name="FinancingReceivableHeldForSaleOriginations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="figr_FinancingReceivableHeldForSaleLoansNotYetRepurchased" abstract="false" name="FinancingReceivableHeldForSaleLoansNotYetRepurchased" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <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"/>
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  <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_DebtInstrumentRepurchaseExitFeePercentage" abstract="false" name="DebtInstrumentRepurchaseExitFeePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" 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_LineOfCreditFacilitySublimitAmount" abstract="false" name="LineOfCreditFacilitySublimitAmount" 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_LineOfCreditFacilityCommittedBorrowingCapacityAmount" abstract="false" name="LineOfCreditFacilityCommittedBorrowingCapacityAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DebtInstrumentVariableRateFloor" abstract="false" name="DebtInstrumentVariableRateFloor" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_DebtInstrumentVariableRateAndBasisSpreadMinimum" abstract="false" name="DebtInstrumentVariableRateAndBasisSpreadMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_NumberOfVotesForEachShareOfCommonStockHeld" abstract="false" name="NumberOfVotesForEachShareOfCommonStockHeld" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_OperationsAndProcessingExpenseMember" abstract="true" name="OperationsAndProcessingExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_A2018EquityIncentivePlanMember" abstract="true" name="A2018EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedNumber" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedNumber" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardCliffFeatureVestingPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardCliffFeatureVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_SeriesARedeemableCumulativePreferredStockMember" abstract="true" name="SeriesARedeemableCumulativePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_FigureREITMember" abstract="true" name="FigureREITMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_OffshoreSolanaFundMember" abstract="true" name="OffshoreSolanaFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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"/>
  <xs:element id="figr_RestrictedStockUnitsUnvestedMember" abstract="true" name="RestrictedStockUnitsUnvestedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_NoncontrollingInterestInLimitedPartnershipsSoldPercentage" abstract="false" name="NoncontrollingInterestInLimitedPartnershipsSoldPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_LoanManagedAndSecuritizedOrAssetBackedFinancingArrangementWeightedAverageDelinquencyRate" abstract="false" name="LoanManagedAndSecuritizedOrAssetBackedFinancingArrangementWeightedAverageDelinquencyRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_FinancingReceivableExcludingAccruedInterestNumberOfDaysDelinquent" abstract="false" name="FinancingReceivableExcludingAccruedInterestNumberOfDaysDelinquent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_JointVentureMember" abstract="true" name="JointVentureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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"/>
  <xs:element id="figr_GainLossOnLoansRepurchaseObligations" abstract="false" name="GainLossOnLoansRepurchaseObligations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LossContingencyUnpaidPrincipalBalanceOfObligationsToRepurchaseReceivablesSold" abstract="false" name="LossContingencyUnpaidPrincipalBalanceOfObligationsToRepurchaseReceivablesSold" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_ProvenanceTermNoteMember" abstract="true" name="ProvenanceTermNoteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ProvenanceServiceAgreementMember" abstract="true" name="ProvenanceServiceAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_YieldBearingStablecoinYLDSMember" abstract="true" name="YieldBearingStablecoinYLDSMember" 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_CryptoAssetTokenValuePerUnit" abstract="false" name="CryptoAssetTokenValuePerUnit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="figr_CryptoAssetNumberOfUnitsToBeReturned" abstract="false" name="CryptoAssetNumberOfUnitsToBeReturned" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="figr_RoyaltyFeePercentage" abstract="false" name="RoyaltyFeePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="figr_SoftwareLicenseAgreementTerm" abstract="false" name="SoftwareLicenseAgreementTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_SoftwareLicenseAgreementAutomaticRenewalTerm" abstract="false" name="SoftwareLicenseAgreementAutomaticRenewalTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="figr_RestrictedCashAndCashEquivalentsFairValueDisclosure" abstract="false" name="RestrictedCashAndCashEquivalentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_DistressedAssetsFairValueDisclosure" abstract="false" name="DistressedAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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"/>
  <xs:element id="figr_MeasurementInputConstantDiscountRateMember" abstract="true" name="MeasurementInputConstantDiscountRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MeasurementInputServicingRateMember" abstract="true" name="MeasurementInputServicingRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_MarketableSecuritiesFairValueOptionMeasurementInput" abstract="false" name="MarketableSecuritiesFairValueOptionMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="figr_FairValueSensitivityAxis" abstract="true" name="FairValueSensitivityAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="figr_FairValueSensitivityDomain" abstract="true" name="FairValueSensitivityDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ImpactOfMinus2PercentageMember" abstract="true" name="ImpactOfMinus2PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactMinus1PercentageMember" abstract="true" name="ChangeImpactMinus1PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactPlus1PercentageMember" abstract="true" name="ChangeImpactPlus1PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactPlus2PercentageMember" abstract="true" name="ChangeImpactPlus2PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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"/>
  <xs:element id="figr_ChangeImpactPlus10PercentageMember" abstract="true" name="ChangeImpactPlus10PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ChangeImpactPlus20PercentageMember" abstract="true" name="ChangeImpactPlus20PercentageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="figr_ServicingAssetNetOfAdjustments" abstract="false" name="ServicingAssetNetOfAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="figr_WarehouseFacility7Member" abstract="true" name="WarehouseFacility7Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
