<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:110708f0-b34f-4d22-8f55-351d3e4efb32,g:d759ca71-ed50-486e-bda8-b963c6b1af95-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.figure.com/role/Cover" xlink:type="simple" xlink:href="figr-20250930.xsd#Cover"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_9df2cf40-5c88-4125-87ba-0f1dd29b5fc1" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_4cb96c12-fb0a-4d10-9741-ed1d484eac43" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_9df2cf40-5c88-4125-87ba-0f1dd29b5fc1" xlink:to="loc_us-gaap_StatementTable_4cb96c12-fb0a-4d10-9741-ed1d484eac43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_4fb7b9ab-9edc-4554-95cd-25d196f45e1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_4cb96c12-fb0a-4d10-9741-ed1d484eac43" xlink:to="loc_us-gaap_StatementClassOfStockAxis_4fb7b9ab-9edc-4554-95cd-25d196f45e1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_2feb87f6-07fd-43db-9f8d-bc60ffdd81a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_4fb7b9ab-9edc-4554-95cd-25d196f45e1a" xlink:to="loc_us-gaap_ClassOfStockDomain_2feb87f6-07fd-43db-9f8d-bc60ffdd81a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_c4fde449-7dbc-4786-a788-a4d8b5b9bf51" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_2feb87f6-07fd-43db-9f8d-bc60ffdd81a4" xlink:to="loc_us-gaap_CommonClassAMember_c4fde449-7dbc-4786-a788-a4d8b5b9bf51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_c866419e-316e-40e8-ae09-5babfe8ae522" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_2feb87f6-07fd-43db-9f8d-bc60ffdd81a4" xlink:to="loc_us-gaap_CommonClassBMember_c866419e-316e-40e8-ae09-5babfe8ae522" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_4cb96c12-fb0a-4d10-9741-ed1d484eac43" xlink:to="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_d46afe9f-196d-4810-8b2f-2b4474790bda" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_DocumentType_d46afe9f-196d-4810-8b2f-2b4474790bda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_66c63ea4-c536-4678-b749-6906aa8e3d8e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentQuarterlyReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_DocumentQuarterlyReport_66c63ea4-c536-4678-b749-6906aa8e3d8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_81355e47-e667-4f97-a21e-079c0259cb5f" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_DocumentPeriodEndDate_81355e47-e667-4f97-a21e-079c0259cb5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_4426bf43-4c5b-4fd4-bfbd-263e8cfbb6b8" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_DocumentTransitionReport_4426bf43-4c5b-4fd4-bfbd-263e8cfbb6b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_ca81b0f0-6e3b-443e-916a-6f34954d1b53" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityFileNumber_ca81b0f0-6e3b-443e-916a-6f34954d1b53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_24ddacf3-a538-4f64-ba25-948d56ec9393" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityRegistrantName_24ddacf3-a538-4f64-ba25-948d56ec9393" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_a49e523c-e203-436b-837f-e6056ad4c4d3" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityIncorporationStateCountryCode_a49e523c-e203-436b-837f-e6056ad4c4d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_dd86e964-ecb0-4037-af70-642e7a03929e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityTaxIdentificationNumber_dd86e964-ecb0-4037-af70-642e7a03929e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_7fb57a9e-e283-452f-83f4-d3b2c917108d" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityAddressAddressLine1_7fb57a9e-e283-452f-83f4-d3b2c917108d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_095daebc-2a7d-498c-bf90-85357037f2e5" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityAddressCityOrTown_095daebc-2a7d-498c-bf90-85357037f2e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_8bc32bed-fab9-43f5-96ba-e64d5fa20a88" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityAddressStateOrProvince_8bc32bed-fab9-43f5-96ba-e64d5fa20a88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_7172026a-d636-4c33-adf7-8b3eb94a5617" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityAddressPostalZipCode_7172026a-d636-4c33-adf7-8b3eb94a5617" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_701ffb0c-3e5b-4dbe-aa74-9bad75a4f9f2" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_CityAreaCode_701ffb0c-3e5b-4dbe-aa74-9bad75a4f9f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_8e5b22a0-2ecc-4672-a3fb-4a7dfedf5d14" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_LocalPhoneNumber_8e5b22a0-2ecc-4672-a3fb-4a7dfedf5d14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_7a72df29-6687-4830-88f7-42c4b5af88b5" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_Security12bTitle_7a72df29-6687-4830-88f7-42c4b5af88b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_c18940e4-2151-4485-909b-84fe924a7b21" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_TradingSymbol_c18940e4-2151-4485-909b-84fe924a7b21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_f907fcdc-6ba8-4090-bcc3-71e0e485a862" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_SecurityExchangeName_f907fcdc-6ba8-4090-bcc3-71e0e485a862" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_5dd90b6d-1d55-489e-8c84-56d69b7bcd0f" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityCurrentReportingStatus_5dd90b6d-1d55-489e-8c84-56d69b7bcd0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_7aa60aff-4218-421b-9626-5be7343b514f" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityInteractiveDataCurrent_7aa60aff-4218-421b-9626-5be7343b514f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_b532bc58-d6d9-4fa2-a054-c671a0b50e6e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityFilerCategory_b532bc58-d6d9-4fa2-a054-c671a0b50e6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_308b65f9-c981-4070-9404-8df020c745f8" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntitySmallBusiness_308b65f9-c981-4070-9404-8df020c745f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_114c315f-3d52-4770-9511-bd6c43a8798e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityEmergingGrowthCompany_114c315f-3d52-4770-9511-bd6c43a8798e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_9c868875-5f5f-4b50-b199-848397efec56" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityShellCompany_9c868875-5f5f-4b50-b199-848397efec56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_943d421b-3088-4780-892d-c85b4216ab34" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_943d421b-3088-4780-892d-c85b4216ab34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_ee0e41f2-f0a7-48a9-86bb-047af1a634ef" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityCentralIndexKey_ee0e41f2-f0a7-48a9-86bb-047af1a634ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_13313f26-8928-496f-a57d-944a1631e87a" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_DocumentFiscalPeriodFocus_13313f26-8928-496f-a57d-944a1631e87a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_5ddac3fa-4f6a-4f8f-b37a-6a072587d75d" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_DocumentFiscalYearFocus_5ddac3fa-4f6a-4f8f-b37a-6a072587d75d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_5539dab6-1652-47c2-85ef-5d4316ae4708" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_AmendmentFlag_5539dab6-1652-47c2-85ef-5d4316ae4708" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_72b3a1a7-a18c-4f7c-8ae4-e5272713f460" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_CurrentFiscalYearEndDate_72b3a1a7-a18c-4f7c-8ae4-e5272713f460" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityExTransitionPeriod_000d953c-5881-4268-b63e-4313cfe568f7" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityExTransitionPeriod"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_251c4674-c8df-4ba2-a190-4adc9fde3a66" xlink:to="loc_dei_EntityExTransitionPeriod_000d953c-5881-4268-b63e-4313cfe568f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITED" xlink:type="simple" xlink:href="figr-20250930.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITED"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_08854a07-f639-47b9-afc9-fe5fa4ba4484" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_e7cc2ab8-906d-423c-adcd-7ed969b5707a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_08854a07-f639-47b9-afc9-fe5fa4ba4484" xlink:to="loc_us-gaap_StatementTable_e7cc2ab8-906d-423c-adcd-7ed969b5707a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_559cb452-fef0-4ecc-9833-80971c385ccb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_e7cc2ab8-906d-423c-adcd-7ed969b5707a" xlink:to="loc_us-gaap_StatementClassOfStockAxis_559cb452-fef0-4ecc-9833-80971c385ccb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_7288d93f-107e-4128-af31-0fcaf93685fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_559cb452-fef0-4ecc-9833-80971c385ccb" xlink:to="loc_us-gaap_ClassOfStockDomain_7288d93f-107e-4128-af31-0fcaf93685fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockMember_90be61d2-a226-4484-88a4-d9f39baadbbe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_7288d93f-107e-4128-af31-0fcaf93685fb" xlink:to="loc_us-gaap_ConvertiblePreferredStockMember_90be61d2-a226-4484-88a4-d9f39baadbbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_1222e06c-a142-43fb-b78a-01bfe36b12a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_7288d93f-107e-4128-af31-0fcaf93685fb" xlink:to="loc_us-gaap_CommonStockMember_1222e06c-a142-43fb-b78a-01bfe36b12a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_1f4e4548-9d63-4d9c-a228-d82f08fa4049" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_7288d93f-107e-4128-af31-0fcaf93685fb" xlink:to="loc_us-gaap_CommonClassAMember_1f4e4548-9d63-4d9c-a228-d82f08fa4049" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_59bab774-d8c7-473b-ac5d-5c3d6b10a801" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_7288d93f-107e-4128-af31-0fcaf93685fb" xlink:to="loc_us-gaap_CommonClassBMember_59bab774-d8c7-473b-ac5d-5c3d6b10a801" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_BlockchainCommonStockMember_eb3e67ea-01f9-4e7d-b5de-9c3c348466e4" xlink:href="figr-20250930.xsd#figr_BlockchainCommonStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_7288d93f-107e-4128-af31-0fcaf93685fb" xlink:to="loc_figr_BlockchainCommonStockMember_eb3e67ea-01f9-4e7d-b5de-9c3c348466e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_6b94aede-d891-469d-a109-3b98b132d0d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_7288d93f-107e-4128-af31-0fcaf93685fb" xlink:to="loc_us-gaap_PreferredStockMember_6b94aede-d891-469d-a109-3b98b132d0d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_b04829aa-ee3e-423e-bddf-2becfc83eda8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_e7cc2ab8-906d-423c-adcd-7ed969b5707a" xlink:to="loc_us-gaap_StatementLineItems_b04829aa-ee3e-423e-bddf-2becfc83eda8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_b04829aa-ee3e-423e-bddf-2becfc83eda8" xlink:to="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsCurrentAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:to="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_f6ce1b66-9c29-4bdb-a9aa-dc392d91cdb8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_f6ce1b66-9c29-4bdb-a9aa-dc392d91cdb8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashCurrent_3e931f4c-a1f8-461c-9168-507350383d8f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashCurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:to="loc_us-gaap_RestrictedCashCurrent_3e931f4c-a1f8-461c-9168-507350383d8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_1d44792b-e3c2-4425-861e-0849ba60bf5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_1d44792b-e3c2-4425-861e-0849ba60bf5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetCurrent_7713cf25-41b6-4c77-bb70-6a7f8ea56fec" xlink:href="figr-20250930.xsd#figr_CryptoAssetCurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:to="loc_figr_CryptoAssetCurrent_7713cf25-41b6-4c77-bb70-6a7f8ea56fec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_4c5805c9-c3e4-4624-8eb3-822d80e40750" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_4c5805c9-c3e4-4624-8eb3-822d80e40750" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsCurrent_e38962a2-8f27-4dfc-ba35-673b58523bd4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsCurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:to="loc_us-gaap_OtherAssetsCurrent_e38962a2-8f27-4dfc-ba35-673b58523bd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_03d60195-30c6-458a-ac42-a649b4f62253" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsCurrent"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_5b4c8037-60a5-4832-b51c-e1ee02c89bbe" xlink:to="loc_us-gaap_AssetsCurrent_03d60195-30c6-458a-ac42-a649b4f62253" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_344a6eb6-d021-4099-910d-9f3b4d694420" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_344a6eb6-d021-4099-910d-9f3b4d694420" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesFairValueOption_87a7fb43-e307-4d85-905c-4d29ed554089" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesFairValueOption"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:to="loc_figr_MarketableSecuritiesFairValueOption_87a7fb43-e307-4d85-905c-4d29ed554089" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetsNoncurrent_3baa6de8-6791-475f-ae14-ab621147da37" xlink:href="figr-20250930.xsd#figr_CryptoAssetsNoncurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:to="loc_figr_CryptoAssetsNoncurrent_3baa6de8-6791-475f-ae14-ab621147da37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivableBeforeAllowanceForCreditLossNoncurrent_2626e0c0-5079-41c2-907a-aa5607921b8c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherReceivableBeforeAllowanceForCreditLossNoncurrent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:to="loc_us-gaap_OtherReceivableBeforeAllowanceForCreditLossNoncurrent_2626e0c0-5079-41c2-907a-aa5607921b8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_e0662bc5-ef11-4a65-91dd-02c55293a770" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsNoncurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:to="loc_us-gaap_OtherAssetsNoncurrent_e0662bc5-ef11-4a65-91dd-02c55293a770" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_adb23b7d-7232-4883-8786-352f71199712" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_2c19ebd5-a68e-4f2c-bbfe-d9c5491a580d" xlink:to="loc_us-gaap_Assets_adb23b7d-7232-4883-8786-352f71199712" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_183b4182-d4ac-4f9a-a99d-244208bd380a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_b04829aa-ee3e-423e-bddf-2becfc83eda8" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_183b4182-d4ac-4f9a-a99d-244208bd380a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_7b3b3f51-9bef-4a51-a360-e8a74aee53cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_183b4182-d4ac-4f9a-a99d-244208bd380a" xlink:to="loc_us-gaap_LiabilitiesAbstract_7b3b3f51-9bef-4a51-a360-e8a74aee53cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrentAbstract_1105cd8c-8829-4ee8-b42e-9d5fac15e54e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesCurrentAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_7b3b3f51-9bef-4a51-a360-e8a74aee53cb" xlink:to="loc_us-gaap_LiabilitiesCurrentAbstract_1105cd8c-8829-4ee8-b42e-9d5fac15e54e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent_f3916049-00e5-48eb-9a22-b407f8e09753" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_1105cd8c-8829-4ee8-b42e-9d5fac15e54e" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent_f3916049-00e5-48eb-9a22-b407f8e09753" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ServicingLiabilityCurrent_35f5092b-54d2-45ff-968f-ab15c7860c9b" xlink:href="figr-20250930.xsd#figr_ServicingLiabilityCurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_1105cd8c-8829-4ee8-b42e-9d5fac15e54e" xlink:to="loc_figr_ServicingLiabilityCurrent_35f5092b-54d2-45ff-968f-ab15c7860c9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtCurrent_784c21eb-eac3-462d-96b0-0fd42adebf9e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtCurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_1105cd8c-8829-4ee8-b42e-9d5fac15e54e" xlink:to="loc_us-gaap_LongTermDebtCurrent_784c21eb-eac3-462d-96b0-0fd42adebf9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_94be3277-4a40-452d-a732-d8dde32c68a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilitiesCurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_1105cd8c-8829-4ee8-b42e-9d5fac15e54e" xlink:to="loc_us-gaap_OtherLiabilitiesCurrent_94be3277-4a40-452d-a732-d8dde32c68a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_1cc3470f-0060-44a6-abd2-c7e9c66e7c3b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_1105cd8c-8829-4ee8-b42e-9d5fac15e54e" xlink:to="loc_us-gaap_LiabilitiesCurrent_1cc3470f-0060-44a6-abd2-c7e9c66e7c3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_e2ef096b-b313-4c30-860c-6bb7eab13b52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtNoncurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_7b3b3f51-9bef-4a51-a360-e8a74aee53cb" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_e2ef096b-b313-4c30-860c-6bb7eab13b52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_fc33cbb6-0182-4d2c-b384-b8e519e084ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_7b3b3f51-9bef-4a51-a360-e8a74aee53cb" xlink:to="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_fc33cbb6-0182-4d2c-b384-b8e519e084ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_af10571c-e60f-4776-99b7-421be0de3d6a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_7b3b3f51-9bef-4a51-a360-e8a74aee53cb" xlink:to="loc_us-gaap_Liabilities_af10571c-e60f-4776-99b7-421be0de3d6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_183b4182-d4ac-4f9a-a99d-244208bd380a" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_d62cef23-8870-43e8-94b0-02da115567b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:to="loc_us-gaap_PreferredStockValue_d62cef23-8870-43e8-94b0-02da115567b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_7e1350ad-50ab-4993-a432-3418f0c09412" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:to="loc_us-gaap_CommonStockValue_7e1350ad-50ab-4993-a432-3418f0c09412" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_9ab9b147-7108-4f0c-be54-7273cf74260e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:to="loc_us-gaap_AdditionalPaidInCapital_9ab9b147-7108-4f0c-be54-7273cf74260e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_0bd1ce39-d943-44b7-a3bb-e2c2cd51c003" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_0bd1ce39-d943-44b7-a3bb-e2c2cd51c003" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_b02d384a-806e-49b0-8f1d-fe1a44298fbf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:to="loc_us-gaap_StockholdersEquity_b02d384a-806e-49b0-8f1d-fe1a44298fbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_70440b49-5f30-47f2-81c9-7f7d990ddf92" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:to="loc_us-gaap_MinorityInterest_70440b49-5f30-47f2-81c9-7f7d990ddf92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_d45a9845-a488-4363-800f-261093a412a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_bf08397b-a7dc-4913-b220-e7fe1c0452e1" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_d45a9845-a488-4363-800f-261093a412a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_311f6c18-9806-4c1b-a3cf-ceb0af371d8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_183b4182-d4ac-4f9a-a99d-244208bd380a" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_311f6c18-9806-4c1b-a3cf-ceb0af371d8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITEDParenthetical" xlink:type="simple" xlink:href="figr-20250930.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITEDParenthetical"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSUNAUDITEDParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_84a9652e-b221-4d1e-a76a-63ae45c683be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_39cd40a7-7ff5-498b-b1e5-ec70eacc4a87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_84a9652e-b221-4d1e-a76a-63ae45c683be" xlink:to="loc_us-gaap_StatementTable_39cd40a7-7ff5-498b-b1e5-ec70eacc4a87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_29842742-e2a2-4ea4-b5cd-efefe386b574" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_39cd40a7-7ff5-498b-b1e5-ec70eacc4a87" xlink:to="loc_us-gaap_StatementClassOfStockAxis_29842742-e2a2-4ea4-b5cd-efefe386b574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_0c0ba449-769e-4607-9c23-5ef97f18151b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_29842742-e2a2-4ea4-b5cd-efefe386b574" xlink:to="loc_us-gaap_ClassOfStockDomain_0c0ba449-769e-4607-9c23-5ef97f18151b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockMember_f0950442-253b-4dd0-8b04-a2386c2cb12d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_0c0ba449-769e-4607-9c23-5ef97f18151b" xlink:to="loc_us-gaap_ConvertiblePreferredStockMember_f0950442-253b-4dd0-8b04-a2386c2cb12d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_fc97dfb0-c45e-4393-b8f9-91524a38278b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_0c0ba449-769e-4607-9c23-5ef97f18151b" xlink:to="loc_us-gaap_CommonStockMember_fc97dfb0-c45e-4393-b8f9-91524a38278b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_e73ccc82-1e0e-4a0a-9fcf-2ac1b06ac841" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_0c0ba449-769e-4607-9c23-5ef97f18151b" xlink:to="loc_us-gaap_PreferredStockMember_e73ccc82-1e0e-4a0a-9fcf-2ac1b06ac841" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_81766332-2b1d-4509-85d1-d8db3c0a3dea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_0c0ba449-769e-4607-9c23-5ef97f18151b" xlink:to="loc_us-gaap_CommonClassAMember_81766332-2b1d-4509-85d1-d8db3c0a3dea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_711c903e-c557-437c-9529-7742fbc92a94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_0c0ba449-769e-4607-9c23-5ef97f18151b" xlink:to="loc_us-gaap_CommonClassBMember_711c903e-c557-437c-9529-7742fbc92a94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_BlockchainCommonStockMember_507bb587-1e7b-414f-aa6e-ae89f6557d8b" xlink:href="figr-20250930.xsd#figr_BlockchainCommonStockMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_0c0ba449-769e-4607-9c23-5ef97f18151b" xlink:to="loc_figr_BlockchainCommonStockMember_507bb587-1e7b-414f-aa6e-ae89f6557d8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_39cd40a7-7ff5-498b-b1e5-ec70eacc4a87" xlink:to="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetFairValueCurrent_38d00d89-38bf-4b6e-af7c-129d1195a52e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetFairValueCurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_CryptoAssetFairValueCurrent_38d00d89-38bf-4b6e-af7c-129d1195a52e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LongTermDebtCurrentFairValue_3183cd7e-d575-4f40-9b12-f53a848a411d" xlink:href="figr-20250930.xsd#figr_LongTermDebtCurrentFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_figr_LongTermDebtCurrentFairValue_3183cd7e-d575-4f40-9b12-f53a848a411d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_a287cdb3-b300-420b-b671-6e706892e47d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_a287cdb3-b300-420b-b671-6e706892e47d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_fc227a83-7cae-4484-8e30-75fb4089b54d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_PreferredStockSharesIssued_fc227a83-7cae-4484-8e30-75fb4089b54d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_74a7ed89-864a-43cc-8ff4-3f4aa634d9f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_74a7ed89-864a-43cc-8ff4-3f4aa634d9f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_a3fa45f8-8273-4b25-ba3e-2e29c34dafc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_a3fa45f8-8273-4b25-ba3e-2e29c34dafc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreferenceValue_e9b8ecb7-e6d1-4366-a736-da06c8a469c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockLiquidationPreferenceValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_PreferredStockLiquidationPreferenceValue_e9b8ecb7-e6d1-4366-a736-da06c8a469c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_a7b707d1-15e4-403d-aef1-cdf450d9194e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_a7b707d1-15e4-403d-aef1-cdf450d9194e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_afcfae16-3b70-4a45-9ebb-e3fd2b90d716" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_afcfae16-3b70-4a45-9ebb-e3fd2b90d716" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_f858ce3b-1dce-4971-9bc9-47fd43620572" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_CommonStockSharesIssued_f858ce3b-1dce-4971-9bc9-47fd43620572" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_691959ad-6484-4d58-8c66-65f662743e55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_eeb9d6dd-2d18-45b0-a94f-10c58bf7a257" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_691959ad-6484-4d58-8c66-65f662743e55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSUNAUDITED" xlink:type="simple" xlink:href="figr-20250930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSUNAUDITED"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenuesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EcosystemAndTechnologyFees_b7854957-5f96-40da-be02-1dfed79fe6ae" xlink:href="figr-20250930.xsd#figr_EcosystemAndTechnologyFees"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:to="loc_figr_EcosystemAndTechnologyFees_b7854957-5f96-40da-be02-1dfed79fe6ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_95289bba-3d76-45b9-b943-2e4c2a2a24e4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractuallySpecifiedServicingFeesAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_95289bba-3d76-45b9-b943-2e4c2a2a24e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperating_2858d2f0-87ec-412b-9b39-7a35b123ee17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeOperating"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:to="loc_us-gaap_InterestIncomeOperating_2858d2f0-87ec-412b-9b39-7a35b123ee17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeeIncome_98fd8054-e444-4b45-ba61-693e5d0a4b05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FeeIncome"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:to="loc_us-gaap_FeeIncome_98fd8054-e444-4b45-ba61-693e5d0a4b05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_6d044014-a14a-4637-9bec-5a8729a25c79" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_6d044014-a14a-4637-9bec-5a8729a25c79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_GainLossOnServicingAssetNet_870b1f81-6b39-466f-b2d6-4aaa7feffae2" xlink:href="figr-20250930.xsd#figr_GainLossOnServicingAssetNet"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:to="loc_figr_GainLossOnServicingAssetNet_870b1f81-6b39-466f-b2d6-4aaa7feffae2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_53096821-b2d7-4413-b629-097d22983653" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherIncome"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:to="loc_us-gaap_OtherIncome_53096821-b2d7-4413-b629-097d22983653" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_79885f41-64e0-405b-96a5-8c47c5b1c986" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_af86a5a9-d56e-479d-9f5d-54c893561454" xlink:to="loc_us-gaap_Revenues_79885f41-64e0-405b-96a5-8c47c5b1c986" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CostsAndExpensesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_04c6b674-e2df-426c-8361-3eb67f32d74c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_04c6b674-e2df-426c-8361-3eb67f32d74c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpense_35217151-4b05-40f7-a510-1e6bf080293f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResearchAndDevelopmentExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpense_35217151-4b05-40f7-a510-1e6bf080293f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OperationsAndProcessingExpense_41626b76-47ed-46b1-a0bf-17ba0e78e557" xlink:href="figr-20250930.xsd#figr_OperationsAndProcessingExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:to="loc_figr_OperationsAndProcessingExpense_41626b76-47ed-46b1-a0bf-17ba0e78e557" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_93f8485f-b503-4e0f-8e03-bbdeb38247f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:to="loc_us-gaap_SellingAndMarketingExpense_93f8485f-b503-4e0f-8e03-bbdeb38247f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_58422378-4d39-45b4-8fb4-38ee448549aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:to="loc_us-gaap_InterestExpenseOperating_58422378-4d39-45b4-8fb4-38ee448549aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncomeExpenseNet_bf8d3dba-87ee-4e34-add8-2c8cce0c6158" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherOperatingIncomeExpenseNet"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:to="loc_us-gaap_OtherOperatingIncomeExpenseNet_bf8d3dba-87ee-4e34-add8-2c8cce0c6158" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_0e8f4f0a-ce5f-44c3-a7d4-8b9c759d4280" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CostsAndExpenses"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:to="loc_us-gaap_CostsAndExpenses_0e8f4f0a-ce5f-44c3-a7d4-8b9c759d4280" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_50e875be-b6e8-4416-9b9c-73a898fdcb19" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_8d7e0a21-90aa-4fd0-8f59-9eb5e87fa969" xlink:to="loc_us-gaap_OperatingIncomeLoss_50e875be-b6e8-4416-9b9c-73a898fdcb19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonoperatingIncomeExpenseAbstract_7b751196-20f1-4c30-ba81-920bd1b8280b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonoperatingIncomeExpenseAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_NonoperatingIncomeExpenseAbstract_7b751196-20f1-4c30-ba81-920bd1b8280b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_a5579c35-0fef-4b6f-9875-7637e59f3d63" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NonoperatingIncomeExpenseAbstract_7b751196-20f1-4c30-ba81-920bd1b8280b" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_a5579c35-0fef-4b6f-9875-7637e59f3d63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonoperatingIncomeExpense_e28e688b-1c18-47eb-95bb-6776aaaaf76d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonoperatingIncomeExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NonoperatingIncomeExpenseAbstract_7b751196-20f1-4c30-ba81-920bd1b8280b" xlink:to="loc_us-gaap_NonoperatingIncomeExpense_e28e688b-1c18-47eb-95bb-6776aaaaf76d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_0107dc35-664e-4ee2-8d7f-5afa12ec1dea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_0107dc35-664e-4ee2-8d7f-5afa12ec1dea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_bf60122e-ba26-44c9-85d0-eda03d7fbe72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_bf60122e-ba26-44c9-85d0-eda03d7fbe72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_7b129b53-5cc5-4ff8-970b-7b3b8bf54b8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_ProfitLoss_7b129b53-5cc5-4ff8-970b-7b3b8bf54b8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_ed5d6b8e-0bc5-4ed2-8aa2-a097765de852" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_ed5d6b8e-0bc5-4ed2-8aa2-a097765de852" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_c57bc410-5e8b-446b-971f-930b7dae4a15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_NetIncomeLoss_c57bc410-5e8b-446b-971f-930b7dae4a15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_bc072fff-e004-4dc4-85dc-760ed0413187" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_EarningsPerShareAbstract_bc072fff-e004-4dc4-85dc-760ed0413187" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_2d5a67bf-c042-4782-83d2-d0ff14c268a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_bc072fff-e004-4dc4-85dc-760ed0413187" xlink:to="loc_us-gaap_EarningsPerShareBasic_2d5a67bf-c042-4782-83d2-d0ff14c268a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_769255d5-13d2-4f70-8fe4-b07867fb5db5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_bc072fff-e004-4dc4-85dc-760ed0413187" xlink:to="loc_us-gaap_EarningsPerShareDiluted_769255d5-13d2-4f70-8fe4-b07867fb5db5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_2dd45e90-a1fc-4dff-9436-6e931c1b7e74" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_943c95cf-e7fe-40e7-9ebe-9a61259ef982" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_2dd45e90-a1fc-4dff-9436-6e931c1b7e74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_653c1196-ed99-4bc6-a234-d8ca2250285a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_2dd45e90-a1fc-4dff-9436-6e931c1b7e74" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_653c1196-ed99-4bc6-a234-d8ca2250285a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_7a90a7d1-8147-4653-8f4b-fc20b0eb4e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_2dd45e90-a1fc-4dff-9436-6e931c1b7e74" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_7a90a7d1-8147-4653-8f4b-fc20b0eb4e4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYUNAUDITED" xlink:type="simple" xlink:href="figr-20250930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYUNAUDITED"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_2c25f425-bb2e-46d1-a9e8-85875a184b51" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_ca69e98a-a226-481b-8cda-2d1dc5e999a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_2c25f425-bb2e-46d1-a9e8-85875a184b51" xlink:to="loc_us-gaap_StatementTable_ca69e98a-a226-481b-8cda-2d1dc5e999a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_cb8fd35a-3c48-4961-8ba7-1c14b085392d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_ca69e98a-a226-481b-8cda-2d1dc5e999a8" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_cb8fd35a-3c48-4961-8ba7-1c14b085392d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_9b1a902b-bf02-47ce-a9e7-e7cf6a7f22a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_cb8fd35a-3c48-4961-8ba7-1c14b085392d" xlink:to="loc_us-gaap_EquityComponentDomain_9b1a902b-bf02-47ce-a9e7-e7cf6a7f22a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ParentMember_0a22da4e-60aa-4a9b-9d82-b0166522b99f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ParentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_9b1a902b-bf02-47ce-a9e7-e7cf6a7f22a8" xlink:to="loc_us-gaap_ParentMember_0a22da4e-60aa-4a9b-9d82-b0166522b99f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_fe2da09d-29d0-4d6b-859a-c6aeb2f724c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ParentMember_0a22da4e-60aa-4a9b-9d82-b0166522b99f" xlink:to="loc_us-gaap_PreferredStockMember_fe2da09d-29d0-4d6b-859a-c6aeb2f724c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_b668b1b8-2222-4088-953a-6e65a73f9f1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ParentMember_0a22da4e-60aa-4a9b-9d82-b0166522b99f" xlink:to="loc_us-gaap_CommonStockMember_b668b1b8-2222-4088-953a-6e65a73f9f1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_3e9c4aa0-0488-431a-9de7-18d367439f59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ParentMember_0a22da4e-60aa-4a9b-9d82-b0166522b99f" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_3e9c4aa0-0488-431a-9de7-18d367439f59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_16355ae1-bfef-4bef-bcf3-f3bce286820d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ParentMember_0a22da4e-60aa-4a9b-9d82-b0166522b99f" xlink:to="loc_us-gaap_RetainedEarningsMember_16355ae1-bfef-4bef-bcf3-f3bce286820d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncontrollingInterestMember_b7b6aa27-8a1e-44c7-b47a-ac85d33fb60b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoncontrollingInterestMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_9b1a902b-bf02-47ce-a9e7-e7cf6a7f22a8" xlink:to="loc_us-gaap_NoncontrollingInterestMember_b7b6aa27-8a1e-44c7-b47a-ac85d33fb60b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_01081836-c611-4c4a-9400-02b42a3dd9fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_ca69e98a-a226-481b-8cda-2d1dc5e999a8" xlink:to="loc_us-gaap_StatementClassOfStockAxis_01081836-c611-4c4a-9400-02b42a3dd9fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_b62fdb2d-9b1e-42fb-a33a-5c2a1bb5512b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_01081836-c611-4c4a-9400-02b42a3dd9fb" xlink:to="loc_us-gaap_ClassOfStockDomain_b62fdb2d-9b1e-42fb-a33a-5c2a1bb5512b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockMember_8d7f7d2e-d20f-4ac0-839a-76a71407ead3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_b62fdb2d-9b1e-42fb-a33a-5c2a1bb5512b" xlink:to="loc_us-gaap_ConvertiblePreferredStockMember_8d7f7d2e-d20f-4ac0-839a-76a71407ead3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_51dba21b-3dd4-462c-b285-419676269125" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_b62fdb2d-9b1e-42fb-a33a-5c2a1bb5512b" xlink:to="loc_us-gaap_CommonClassAMember_51dba21b-3dd4-462c-b285-419676269125" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_1df0a6ae-749e-4a38-9794-56231787713a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_b62fdb2d-9b1e-42fb-a33a-5c2a1bb5512b" xlink:to="loc_us-gaap_CommonClassBMember_1df0a6ae-749e-4a38-9794-56231787713a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_f6ac1157-d0d7-4598-8eaf-eba6ecb4601f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_ca69e98a-a226-481b-8cda-2d1dc5e999a8" xlink:to="loc_us-gaap_StatementLineItems_f6ac1157-d0d7-4598-8eaf-eba6ecb4601f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_f6ac1157-d0d7-4598-8eaf-eba6ecb4601f" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_0235f200-d7f4-46dc-aed0-70bee825a8ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_0235f200-d7f4-46dc-aed0-70bee825a8ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_2d15e458-b227-4cca-a762-5c28a8fab29a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_2d15e458-b227-4cca-a762-5c28a8fab29a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_f678cf86-f65e-44d8-ae32-7520f7cfce73" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_f678cf86-f65e-44d8-ae32-7520f7cfce73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued_dc41c4b6-cf88-48eb-ad5f-23ff7c6301fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued_dc41c4b6-cf88-48eb-ad5f-23ff7c6301fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercised_ad3ff091-f1fb-4009-a7fd-10353b7608bb" xlink:href="figr-20250930.xsd#figr_StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercised"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_figr_StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercised_ad3ff091-f1fb-4009-a7fd-10353b7608bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercised_4b37a7f8-8134-4cd7-ae66-95a7f22352bd" xlink:href="figr-20250930.xsd#figr_StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercised"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_figr_StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercised_4b37a7f8-8134-4cd7-ae66-95a7f22352bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_000c71af-6e56-4dc8-be1f-20d0efcc23ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_000c71af-6e56-4dc8-be1f-20d0efcc23ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestDecreaseFromRedemptions_5b975242-1189-4cdd-bab2-a688cbb03acf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestDecreaseFromRedemptions"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_MinorityInterestDecreaseFromRedemptions_5b975242-1189-4cdd-bab2-a688cbb03acf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance_99c9b955-aae6-4ba3-93dd-18314b1882ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_NoncontrollingInterestIncreaseFromSubsidiaryEquityIssuance_99c9b955-aae6-4ba3-93dd-18314b1882ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation_bb2856fc-3a75-488a-beac-8446ee728cd4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation_bb2856fc-3a75-488a-beac-8446ee728cd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_StockIssuedDuringPeriodSharesNewIssuesAdjustments_de650f4e-2d17-4c43-bd06-8950a32a38db" xlink:href="figr-20250930.xsd#figr_StockIssuedDuringPeriodSharesNewIssuesAdjustments"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_figr_StockIssuedDuringPeriodSharesNewIssuesAdjustments_de650f4e-2d17-4c43-bd06-8950a32a38db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_StockIssuedDuringPeriodValueNewIssuesAdjustments_d16d9199-69b2-4184-b364-431f093719cb" xlink:href="figr-20250930.xsd#figr_StockIssuedDuringPeriodValueNewIssuesAdjustments"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_figr_StockIssuedDuringPeriodValueNewIssuesAdjustments_d16d9199-69b2-4184-b364-431f093719cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities_8926b600-ac41-4a71-bf25-6060635907c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities_8926b600-ac41-4a71-bf25-6060635907c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities_59611099-0044-4a5f-aefd-86d2aef684e4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities_59611099-0044-4a5f-aefd-86d2aef684e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MergerStockExchangedSharesIssued_a7b6ebd3-c163-4483-930b-7d9f7614bb6f" xlink:href="figr-20250930.xsd#figr_MergerStockExchangedSharesIssued"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_figr_MergerStockExchangedSharesIssued_a7b6ebd3-c163-4483-930b-7d9f7614bb6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MergerStockExchangedValueShareIssued_57584033-7295-4e9d-8e50-ee405388142a" xlink:href="figr-20250930.xsd#figr_MergerStockExchangedValueShareIssued"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_figr_MergerStockExchangedValueShareIssued_57584033-7295-4e9d-8e50-ee405388142a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_StockIssuedDuringPeriodSharesInExchangeOfEquity_09e512bd-1434-4894-a54e-746f81b899e1" xlink:href="figr-20250930.xsd#figr_StockIssuedDuringPeriodSharesInExchangeOfEquity"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_figr_StockIssuedDuringPeriodSharesInExchangeOfEquity_09e512bd-1434-4894-a54e-746f81b899e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_StockIssuedDuringPeriodValueInExchangeOfEquity_644ba006-4ce0-4984-bdfc-92a8fab91132" xlink:href="figr-20250930.xsd#figr_StockIssuedDuringPeriodValueInExchangeOfEquity"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_figr_StockIssuedDuringPeriodValueInExchangeOfEquity_644ba006-4ce0-4984-bdfc-92a8fab91132" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_95cb3639-d9de-4bd7-8085-00bee371f91b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_95cb3639-d9de-4bd7-8085-00bee371f91b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_e78d4d00-0e90-4b39-9961-6fd671aa62a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_e78d4d00-0e90-4b39-9961-6fd671aa62a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_3f635402-ae86-48f3-96a2-31f9b7220135" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_ProfitLoss_3f635402-ae86-48f3-96a2-31f9b7220135" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_20a80bdc-85d9-446a-bcc6-e505f266a061" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_20a80bdc-85d9-446a-bcc6-e505f266a061" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_a73a62df-48c1-40e6-8773-e80a5065c3bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_a73a62df-48c1-40e6-8773-e80a5065c3bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_afe29868-bd0c-46b5-9d11-6d3b32dcde3f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_fc5d7f3a-b1fd-4f71-933c-75a50ba8b995" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_afe29868-bd0c-46b5-9d11-6d3b32dcde3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED" xlink:type="simple" xlink:href="figr-20250930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_2e82ad52-df7e-44f0-b568-a0a51c82728d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_2e82ad52-df7e-44f0-b568-a0a51c82728d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_469946e5-f268-42e5-ac41-5be9890ed8f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_2e82ad52-df7e-44f0-b568-a0a51c82728d" xlink:to="loc_us-gaap_ProfitLoss_469946e5-f268-42e5-ac41-5be9890ed8f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_2e82ad52-df7e-44f0-b568-a0a51c82728d" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_GainLossOnServicingAssetNet_299ae368-6d3f-45b8-b0dc-c55d5611db95" xlink:href="figr-20250930.xsd#figr_GainLossOnServicingAssetNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_figr_GainLossOnServicingAssetNet_299ae368-6d3f-45b8-b0dc-c55d5611db95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_GainLossOnSaleOfLoansNetOfRealizedLossOnFutures_f3dc5416-c514-4c64-ab92-e1b3497b546c" xlink:href="figr-20250930.xsd#figr_GainLossOnSaleOfLoansNetOfRealizedLossOnFutures"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_figr_GainLossOnSaleOfLoansNetOfRealizedLossOnFutures_f3dc5416-c514-4c64-ab92-e1b3497b546c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_GainLossOnDispositionOfCryptoAssets_57c1fce2-993f-4e93-bedf-ff6430ff833e" xlink:href="figr-20250930.xsd#figr_GainLossOnDispositionOfCryptoAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_figr_GainLossOnDispositionOfCryptoAssets_57c1fce2-993f-4e93-bedf-ff6430ff833e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_edbc6eef-4227-43e1-9f35-62dbd7f10065" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_edbc6eef-4227-43e1-9f35-62dbd7f10065" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_fef50f2c-d231-4fdd-a627-13e3081d7072" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_fef50f2c-d231-4fdd-a627-13e3081d7072" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareAmortization1_6047b6aa-46e6-4bdf-9c3c-f8794e05f49a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalizedComputerSoftwareAmortization1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareAmortization1_6047b6aa-46e6-4bdf-9c3c-f8794e05f49a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareImpairments1_7a57c73f-83d9-41d0-87c1-bdcffab491ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalizedComputerSoftwareImpairments1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareImpairments1_7a57c73f-83d9-41d0-87c1-bdcffab491ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetImpairment_c60af631-15d3-4ea7-8345-08da2e75cb8b" xlink:href="figr-20250930.xsd#figr_CryptoAssetImpairment"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_figr_CryptoAssetImpairment_c60af631-15d3-4ea7-8345-08da2e75cb8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IssuanceOfStockAndWarrantsForServicesOrClaims_7564f3ae-c843-4cf2-88f2-7e3ae63481bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IssuanceOfStockAndWarrantsForServicesOrClaims"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_us-gaap_IssuanceOfStockAndWarrantsForServicesOrClaims_7564f3ae-c843-4cf2-88f2-7e3ae63481bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_e2b3668e-c5cc-480d-b6f8-4bde6c973d93" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_us-gaap_ShareBasedCompensation_e2b3668e-c5cc-480d-b6f8-4bde6c973d93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnRepurchaseOfDebtInstrument_cf9a5356-8de3-47c3-b852-e294fa8e3e7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnRepurchaseOfDebtInstrument"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c3da9d0f-ac5c-4ea8-88e7-97363c06c9a9" xlink:to="loc_us-gaap_GainLossOnRepurchaseOfDebtInstrument_cf9a5356-8de3-47c3-b852-e294fa8e3e7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_2e82ad52-df7e-44f0-b568-a0a51c82728d" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProceedsFromSaleOfLoansOperatingActivities_94e0435b-8326-4af8-8838-c2fa541ef6f6" xlink:href="figr-20250930.xsd#figr_ProceedsFromSaleOfLoansOperatingActivities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_figr_ProceedsFromSaleOfLoansOperatingActivities_94e0435b-8326-4af8-8838-c2fa541ef6f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OriginationsOfLoansHeldForSaleOperating_c946dc8f-de1f-4bf7-8403-14af290b082d" xlink:href="figr-20250930.xsd#figr_OriginationsOfLoansHeldForSaleOperating"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_figr_OriginationsOfLoansHeldForSaleOperating_c946dc8f-de1f-4bf7-8403-14af290b082d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_PurchasesOfLoansHeldForSaleOperating_597fe1ba-5f0b-4433-b966-d3b4321986fc" xlink:href="figr-20250930.xsd#figr_PurchasesOfLoansHeldForSaleOperating"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_figr_PurchasesOfLoansHeldForSaleOperating_597fe1ba-5f0b-4433-b966-d3b4321986fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProceedsFromPrincipalPaymentsOnLoansHeldForSaleOperating_e6be532a-244c-4502-bcf2-dcdc70721620" xlink:href="figr-20250930.xsd#figr_ProceedsFromPrincipalPaymentsOnLoansHeldForSaleOperating"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_figr_ProceedsFromPrincipalPaymentsOnLoansHeldForSaleOperating_e6be532a-244c-4502-bcf2-dcdc70721620" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_PurchaseOfMarketableSecuritiesOperating_6fbb9a52-238b-4d27-89fe-62d473621bf9" xlink:href="figr-20250930.xsd#figr_PurchaseOfMarketableSecuritiesOperating"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_figr_PurchaseOfMarketableSecuritiesOperating_6fbb9a52-238b-4d27-89fe-62d473621bf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProceedsFromSaleOfMarketableSecuritiesOperating_b7f5940e-74c3-4e1a-b025-89d606aee5c1" xlink:href="figr-20250930.xsd#figr_ProceedsFromSaleOfMarketableSecuritiesOperating"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_figr_ProceedsFromSaleOfMarketableSecuritiesOperating_b7f5940e-74c3-4e1a-b025-89d606aee5c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_PrincipalPaymentsOnMarketableSecuritiesOperating_f1b2f7b5-f249-4bc5-821b-68492814ef7a" xlink:href="figr-20250930.xsd#figr_PrincipalPaymentsOnMarketableSecuritiesOperating"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_figr_PrincipalPaymentsOnMarketableSecuritiesOperating_f1b2f7b5-f249-4bc5-821b-68492814ef7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_9dcc9e77-319e-4575-98bf-8c7177a989ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_9dcc9e77-319e-4575-98bf-8c7177a989ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherCurrentAssets_79012d2d-df67-4770-94cc-e08a13c57d81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherCurrentAssets"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherCurrentAssets_79012d2d-df67-4770-94cc-e08a13c57d81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_IncreaseDecreaseInAccountsPayableAndOtherLiabilities_bb8b7016-c419-4ab1-a150-ec17ca402e6a" xlink:href="figr-20250930.xsd#figr_IncreaseDecreaseInAccountsPayableAndOtherLiabilities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_815471d2-f020-4da3-9643-fdc9c3dc775d" xlink:to="loc_figr_IncreaseDecreaseInAccountsPayableAndOtherLiabilities_bb8b7016-c419-4ab1-a150-ec17ca402e6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6ae8f9b4-bdbb-4eb9-98f0-8508eec82578" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_2e82ad52-df7e-44f0-b568-a0a51c82728d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6ae8f9b4-bdbb-4eb9-98f0-8508eec82578" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToDevelopSoftware_c5a4a216-9310-4f16-be46-37c0d6f17a22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToDevelopSoftware"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_PaymentsToDevelopSoftware_c5a4a216-9310-4f16-be46-37c0d6f17a22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInJointVenture_d81b426b-0ca8-48a4-8cde-2b6f58daeef6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireInterestInJointVenture"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInJointVenture_d81b426b-0ca8-48a4-8cde-2b6f58daeef6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentForAcquisitionCryptoAsset_1959ec9e-7775-4b58-8431-7296330e273c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentForAcquisitionCryptoAsset"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_PaymentForAcquisitionCryptoAsset_1959ec9e-7775-4b58-8431-7296330e273c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDisposalCryptoAsset_d34fbdd7-95dd-42db-bc93-f5519221dc1d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromDisposalCryptoAsset"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_ProceedsFromDisposalCryptoAsset_d34fbdd7-95dd-42db-bc93-f5519221dc1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForAdvanceToAffiliate_e1136317-115c-4492-a5fc-51110c0e10f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForAdvanceToAffiliate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_PaymentsForAdvanceToAffiliate_e1136317-115c-4492-a5fc-51110c0e10f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfAdvanceToAffiliate_f5b23988-7039-4116-abeb-040a1922761b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromCollectionOfAdvanceToAffiliate"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_ProceedsFromCollectionOfAdvanceToAffiliate_f5b23988-7039-4116-abeb-040a1922761b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_817f89c3-602d-4baf-801c-fa6c3725993c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_817f89c3-602d-4baf-801c-fa6c3725993c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForDerivativeInstrumentInvestingActivities_bb820801-e04d-4b9e-81d1-fab9f30d0020" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForDerivativeInstrumentInvestingActivities"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_PaymentsForDerivativeInstrumentInvestingActivities_bb820801-e04d-4b9e-81d1-fab9f30d0020" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProceedsFromSaleOfInternallyDevelopedSoftware_4d969929-d449-4266-aa9c-195bd8571256" xlink:href="figr-20250930.xsd#figr_ProceedsFromSaleOfInternallyDevelopedSoftware"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_figr_ProceedsFromSaleOfInternallyDevelopedSoftware_4d969929-d449-4266-aa9c-195bd8571256" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0e5af09e-2964-4d76-9cab-a6ea4d478516" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperationsAbstract_03ea524d-7150-4a16-af8f-3a864ae643cf" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_0e5af09e-2964-4d76-9cab-a6ea4d478516" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_d73f4b75-d71a-4356-9fe7-82fd8dc125f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_d73f4b75-d71a-4356-9fe7-82fd8dc125f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_fe39a37f-428c-4489-92b4-b7955a577b0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_fe39a37f-428c-4489-92b4-b7955a577b0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfFinancingCosts_d65090da-414e-474e-87dc-9acae1049abd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfFinancingCosts"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_us-gaap_PaymentsOfFinancingCosts_d65090da-414e-474e-87dc-9acae1049abd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceInitialPublicOffering_84a4284f-3031-45d6-8ddb-75c9e451300e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceInitialPublicOffering"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_us-gaap_ProceedsFromIssuanceInitialPublicOffering_84a4284f-3031-45d6-8ddb-75c9e451300e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProceedsFromServicingActivityOnBehalfOfThirdPartyLoanOwners_e5cd2c29-d4e1-44d5-ab9f-50b28ee46abe" xlink:href="figr-20250930.xsd#figr_ProceedsFromServicingActivityOnBehalfOfThirdPartyLoanOwners"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_figr_ProceedsFromServicingActivityOnBehalfOfThirdPartyLoanOwners_e5cd2c29-d4e1-44d5-ab9f-50b28ee46abe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_9e6b55d6-8e06-4bcd-b93e-11108393c992" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock_9e6b55d6-8e06-4bcd-b93e-11108393c992" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfCapitalDistribution_919e3fbb-4620-456c-bd42-74bdabcdf885" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfCapitalDistribution"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_us-gaap_PaymentsOfCapitalDistribution_919e3fbb-4620-456c-bd42-74bdabcdf885" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_dae0d1bc-3a37-4226-b80d-a2224d966415" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_dae0d1bc-3a37-4226-b80d-a2224d966415" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_137dda88-7fb9-4fca-9500-c4f7051dc3fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_cfa6390d-4d3a-4e02-bd8e-d5e2dddc0650" xlink:to="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_137dda88-7fb9-4fca-9500-c4f7051dc3fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_b2f3dc42-ea0d-4f23-a55c-6331414fd3cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_b2f3dc42-ea0d-4f23-a55c-6331414fd3cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_bd9ee992-1032-4b95-8694-26379838c0fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_bd9ee992-1032-4b95-8694-26379838c0fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_9dcf8427-2c86-43b8-b042-bbfb129b9dc1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_9dcf8427-2c86-43b8-b042-bbfb129b9dc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_1e58b184-be40-4c20-a223-e4a69bd29b78" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_1e58b184-be40-4c20-a223-e4a69bd29b78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_c05302f9-61d6-4491-b4f0-eb72eae8c365" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_c05302f9-61d6-4491-b4f0-eb72eae8c365" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_95f6e468-ebc4-4019-b8df-dff2e98a3767" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPaidNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_c05302f9-61d6-4491-b4f0-eb72eae8c365" xlink:to="loc_us-gaap_InterestPaidNet_95f6e468-ebc4-4019-b8df-dff2e98a3767" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaidNet_26e752c4-dc2d-47a9-80b9-764150a912f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxesPaidNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_c05302f9-61d6-4491-b4f0-eb72eae8c365" xlink:to="loc_us-gaap_IncomeTaxesPaidNet_26e752c4-dc2d-47a9-80b9-764150a912f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_af4f355d-069d-46d7-9a5f-b0655c4c4210" xlink:to="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_StockBasedCompensationIncludedInCapitalizedInternallyDevelopedSoftware_8fa3895e-557a-4147-8752-59160562f7f4" xlink:href="figr-20250930.xsd#figr_StockBasedCompensationIncludedInCapitalizedInternallyDevelopedSoftware"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_figr_StockBasedCompensationIncludedInCapitalizedInternallyDevelopedSoftware_8fa3895e-557a-4147-8752-59160562f7f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ContributionFromRelatedParty_9307bb74-5611-423e-b671-890f550a8a28" xlink:href="figr-20250930.xsd#figr_ContributionFromRelatedParty"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_figr_ContributionFromRelatedParty_9307bb74-5611-423e-b671-890f550a8a28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DistributionOfNoncontrollingInterestInFund_2acd26c0-61bd-4228-b0dc-f56e4d569284" xlink:href="figr-20250930.xsd#figr_DistributionOfNoncontrollingInterestInFund"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_figr_DistributionOfNoncontrollingInterestInFund_2acd26c0-61bd-4228-b0dc-f56e4d569284" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DistributionsFromInvestment_07104dbe-9e94-43ac-80d2-bddae2975bbc" xlink:href="figr-20250930.xsd#figr_DistributionsFromInvestment"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_figr_DistributionsFromInvestment_07104dbe-9e94-43ac-80d2-bddae2975bbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_473a643a-8a07-4836-96e1-bc2443f1c315" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_473a643a-8a07-4836-96e1-bc2443f1c315" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OtherCapitalContributions_a34220d4-9ee7-49c8-b5b9-f17f8eaa60b5" xlink:href="figr-20250930.xsd#figr_OtherCapitalContributions"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_figr_OtherCapitalContributions_a34220d4-9ee7-49c8-b5b9-f17f8eaa60b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtIssuanceCostIncurredButNotYetPaid_c39a6c2e-60ff-4afc-8374-a33616169ebe" xlink:href="figr-20250930.xsd#figr_DebtIssuanceCostIncurredButNotYetPaid"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_figr_DebtIssuanceCostIncurredButNotYetPaid_c39a6c2e-60ff-4afc-8374-a33616169ebe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_UnrealizedLossesOnFutures_83642a58-bb6d-49e7-8dfc-b0e67d6d8474" xlink:href="figr-20250930.xsd#figr_UnrealizedLossesOnFutures"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_figr_UnrealizedLossesOnFutures_83642a58-bb6d-49e7-8dfc-b0e67d6d8474" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RightOfUseAssetsObtainedInExchangeForOperatingLeaseLiabilities_21e0e28a-257e-4d3e-9f30-e27e39ad31fb" xlink:href="figr-20250930.xsd#figr_RightOfUseAssetsObtainedInExchangeForOperatingLeaseLiabilities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_af1a09c1-49ee-41db-9811-1e2081108da7" xlink:to="loc_figr_RightOfUseAssetsObtainedInExchangeForOperatingLeaseLiabilities_21e0e28a-257e-4d3e-9f30-e27e39ad31fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/BUSINESSANDORGANIZATION" xlink:type="simple" xlink:href="figr-20250930.xsd#BUSINESSANDORGANIZATION"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/BUSINESSANDORGANIZATION" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_2d94c3b1-c38b-4d57-9092-987805750d4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock_dee73b3f-f33c-4963-806c-a5340a4cece2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_2d94c3b1-c38b-4d57-9092-987805750d4d" xlink:to="loc_us-gaap_BusinessDescriptionAndBasisOfPresentationTextBlock_dee73b3f-f33c-4963-806c-a5340a4cece2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES" xlink:type="simple" xlink:href="figr-20250930.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_3fa52816-b4b6-4c01-81cb-c7757a38defc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock_403f0b8b-b816-4916-bb38-f927f61958b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_3fa52816-b4b6-4c01-81cb-c7757a38defc" xlink:to="loc_us-gaap_SignificantAccountingPoliciesTextBlock_403f0b8b-b816-4916-bb38-f927f61958b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INVESTMENTS" xlink:type="simple" xlink:href="figr-20250930.xsd#INVESTMENTS"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INVESTMENTS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_977b068b-6d3f-4dd8-ae02-b7785f869d47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTextBlock_74317678-b083-464f-ab0f-a9e0a4e0639a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_977b068b-6d3f-4dd8-ae02-b7785f869d47" xlink:to="loc_us-gaap_InvestmentTextBlock_74317678-b083-464f-ab0f-a9e0a4e0639a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SERVICING" xlink:type="simple" xlink:href="figr-20250930.xsd#SERVICING"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SERVICING" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_0e1be96c-dc11-40ce-8760-832fe0ffdd7f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_b369c42e-2dec-4078-8e2e-4d9ee9955e87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_0e1be96c-dc11-40ce-8760-832fe0ffdd7f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_b369c42e-2dec-4078-8e2e-4d9ee9955e87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/LOANS" xlink:type="simple" xlink:href="figr-20250930.xsd#LOANS"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/LOANS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_9c667af3-3840-447c-b093-c7bd5adf5f2a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock_ca42743e-85b4-4cd9-8c70-ffd9ae078e51" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_9c667af3-3840-447c-b093-c7bd5adf5f2a" xlink:to="loc_us-gaap_FinancingReceivablesTextBlock_ca42743e-85b4-4cd9-8c70-ffd9ae078e51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/DEBT" xlink:type="simple" xlink:href="figr-20250930.xsd#DEBT"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/DEBT" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_e52fc554-fe0a-40c5-8c22-24ac88722b4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_ed5aa070-7b41-464e-b545-f198b165682c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_e52fc554-fe0a-40c5-8c22-24ac88722b4d" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_ed5aa070-7b41-464e-b545-f198b165682c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITY" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITY"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITY" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_c862578b-10e2-4ea0-8936-f2e982a67566" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_cf71300c-0842-4d63-8552-f1d5460a6227" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_c862578b-10e2-4ea0-8936-f2e982a67566" xlink:to="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_cf71300c-0842-4d63-8552-f1d5460a6227" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/NETINCOMELOSSPERSHARE" xlink:type="simple" xlink:href="figr-20250930.xsd#NETINCOMELOSSPERSHARE"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/NETINCOMELOSSPERSHARE" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_0ae271f8-f61c-4ce0-80d3-524bdd8267d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_c730372c-fe92-4f47-92e2-f602d714d248" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_0ae271f8-f61c-4ce0-80d3-524bdd8267d8" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_c730372c-fe92-4f47-92e2-f602d714d248" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/VARIABLEINTERESTENTITIES" xlink:type="simple" xlink:href="figr-20250930.xsd#VARIABLEINTERESTENTITIES"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/VARIABLEINTERESTENTITIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_a9909dc7-020f-45ce-b5e5-7a5eb1676506" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityMeasureOfActivityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_3a0446dc-0b89-407e-8fe0-6be8da557a24" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_a9909dc7-020f-45ce-b5e5-7a5eb1676506" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_3a0446dc-0b89-407e-8fe0-6be8da557a24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/COMMITMENTSANDCONTINGENCIES" xlink:type="simple" xlink:href="figr-20250930.xsd#COMMITMENTSANDCONTINGENCIES"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/COMMITMENTSANDCONTINGENCIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_976343f2-080e-4fea-9ae5-5c100851656f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_3fcbfb4a-6bd3-41bc-a351-d667c212432b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_976343f2-080e-4fea-9ae5-5c100851656f" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_3fcbfb4a-6bd3-41bc-a351-d667c212432b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/RELATEDPARTYTRANSACTIONS" xlink:type="simple" xlink:href="figr-20250930.xsd#RELATEDPARTYTRANSACTIONS"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/RELATEDPARTYTRANSACTIONS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract_c1330e04-3c96-4b51-a054-ea513c57d1d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_ef09a8e1-8c60-46ef-88d4-a97023b68e38" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract_c1330e04-3c96-4b51-a054-ea513c57d1d4" xlink:to="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_ef09a8e1-8c60-46ef-88d4-a97023b68e38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/FAIRVALUEMEASUREMENTS" xlink:type="simple" xlink:href="figr-20250930.xsd#FAIRVALUEMEASUREMENTS"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/FAIRVALUEMEASUREMENTS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_1d50303c-5743-4e54-8dec-3d9c1f8cd8d0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_4934ab58-acc5-49fb-8d19-bcfef333c817" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_1d50303c-5743-4e54-8dec-3d9c1f8cd8d0" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_4934ab58-acc5-49fb-8d19-bcfef333c817" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INCOMETAXES" xlink:type="simple" xlink:href="figr-20250930.xsd#INCOMETAXES"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INCOMETAXES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_5be7659c-41d7-4dc8-aada-cb98a7f1e551" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_29a5addb-08c1-41de-abb8-f8a8fb08ace6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5be7659c-41d7-4dc8-aada-cb98a7f1e551" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_29a5addb-08c1-41de-abb8-f8a8fb08ace6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies" xlink:type="simple" xlink:href="figr-20250930.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_5317ec89-131b-41f7-8bf7-a6858d6d84a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_5317ec89-131b-41f7-8bf7-a6858d6d84a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock_73fa5d55-3490-468e-b8db-ebd03e85a6c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_ConsolidationPolicyTextBlock_73fa5d55-3490-468e-b8db-ebd03e85a6c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingPolicyPolicyTextBlock_3dd9e68f-f4b2-4874-9add-9c7968951661" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingPolicyPolicyTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_SegmentReportingPolicyPolicyTextBlock_3dd9e68f-f4b2-4874-9add-9c7968951661" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskCreditRisk_b0026fa7-261a-4fc6-b874-e7f8e8c1857d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskCreditRisk"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_ConcentrationRiskCreditRisk_b0026fa7-261a-4fc6-b874-e7f8e8c1857d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates_7d9f3441-b3f2-4b57-9cfd-e858b09f7bc7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UseOfEstimates"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_UseOfEstimates_7d9f3441-b3f2-4b57-9cfd-e858b09f7bc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_691ea4dc-c333-4bc7-89fd-4a62e91ef9df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_691ea4dc-c333-4bc7-89fd-4a62e91ef9df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_0c1ed829-8523-476c-ae50-ff5feb144f9a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_0c1ed829-8523-476c-ae50-ff5feb144f9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeLeasesPolicyTextBlock_70a70fc1-c00f-4a13-ae27-685492c46c0a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeLeasesPolicyTextBlock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_LesseeLeasesPolicyTextBlock_70a70fc1-c00f-4a13-ae27-685492c46c0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesPolicyTextBlock_9afeb52f-29ca-4541-9342-0f8c1c0a171e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativesPolicyTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_DerivativesPolicyTextBlock_9afeb52f-29ca-4541-9342-0f8c1c0a171e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock_5acd5b32-7515-40ce-8f67-bacff1bfd175" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock_5acd5b32-7515-40ce-8f67-bacff1bfd175" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentPolicyTextBlock_06212cf3-035f-4fd3-9d8b-2fb6024eee96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentPolicyTextBlock"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_InvestmentPolicyTextBlock_06212cf3-035f-4fd3-9d8b-2fb6024eee96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_f149bdde-9f80-49fd-9b9d-7d64b279af0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_f149bdde-9f80-49fd-9b9d-7d64b279af0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy_1fcf5473-7ac3-47e7-9a95-3d52d723d5b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy_1fcf5473-7ac3-47e7-9a95-3d52d723d5b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtPolicyTextBlock_74257192-55df-470b-8ad9-4d66cf541d12" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtPolicyTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_DebtPolicyTextBlock_74257192-55df-470b-8ad9-4d66cf541d12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRecognitionPolicyTextBlock_d431750d-ec0f-44d5-b75b-34e52e84abdc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueRecognitionPolicyTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_RevenueRecognitionPolicyTextBlock_d431750d-ec0f-44d5-b75b-34e52e84abdc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationRelatedCostsPolicyTextBlock_10ebc9df-0976-4c0b-8268-cfb31baa7bde" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CompensationRelatedCostsPolicyTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_CompensationRelatedCostsPolicyTextBlock_10ebc9df-0976-4c0b-8268-cfb31baa7bde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalUseSoftwarePolicy_73ebad71-ec71-46bc-88c7-b3e263540321" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InternalUseSoftwarePolicy"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_InternalUseSoftwarePolicy_73ebad71-ec71-46bc-88c7-b3e263540321" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPolicyTextBlock_6477d5c1-263f-4ab8-8991-af6387f5bba6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxPolicyTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_IncomeTaxPolicyTextBlock_6477d5c1-263f-4ab8-8991-af6387f5bba6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_fa7bd930-5a9e-479d-9e74-65d3893794fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e67a9c0d-79bf-4b59-b771-72bf1f494bf7" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_fa7bd930-5a9e-479d-9e74-65d3893794fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables" xlink:type="simple" xlink:href="figr-20250930.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_39920c0e-de75-41c6-b621-a7efb1ae02db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_daf7263b-f965-46db-9904-e87f2c4e302e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_39920c0e-de75-41c6-b621-a7efb1ae02db" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_daf7263b-f965-46db-9904-e87f2c4e302e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_00d40754-9b18-4add-b0c0-f42b414f47f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_39920c0e-de75-41c6-b621-a7efb1ae02db" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_00d40754-9b18-4add-b0c0-f42b414f47f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCashAndCashEquivalentsTableTextBlock_98890cd8-69d3-48bf-89c1-fa409a39b2d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfCashAndCashEquivalentsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_39920c0e-de75-41c6-b621-a7efb1ae02db" xlink:to="loc_us-gaap_ScheduleOfCashAndCashEquivalentsTableTextBlock_98890cd8-69d3-48bf-89c1-fa409a39b2d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_c17a2523-726d-41e6-91b1-c1fdcbfc5ce1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisaggregationOfRevenueTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_39920c0e-de75-41c6-b621-a7efb1ae02db" xlink:to="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_c17a2523-726d-41e6-91b1-c1fdcbfc5ce1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock_bc0fef24-6294-417c-92ad-8c10d368c1b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_39920c0e-de75-41c6-b621-a7efb1ae02db" xlink:to="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock_bc0fef24-6294-417c-92ad-8c10d368c1b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INVESTMENTSTables" xlink:type="simple" xlink:href="figr-20250930.xsd#INVESTMENTSTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INVESTMENTSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_d493b655-9f62-4920-a4f3-a74d9d262140" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesTextBlock_ef1f0524-52b1-418b-a3d9-15492fab2b8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketableSecuritiesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_d493b655-9f62-4920-a4f3-a74d9d262140" xlink:to="loc_us-gaap_MarketableSecuritiesTextBlock_ef1f0524-52b1-418b-a3d9-15492fab2b8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetHoldingTableTextBlock_130ac735-c704-4c1d-be97-b53456af88f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetHoldingTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_d493b655-9f62-4920-a4f3-a74d9d262140" xlink:to="loc_us-gaap_CryptoAssetHoldingTableTextBlock_130ac735-c704-4c1d-be97-b53456af88f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetActivityTableTextBlock_e5702fe2-dd10-4420-911b-05601d34715d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetActivityTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_d493b655-9f62-4920-a4f3-a74d9d262140" xlink:to="loc_us-gaap_CryptoAssetActivityTableTextBlock_e5702fe2-dd10-4420-911b-05601d34715d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTableTextBlock_ca1db4b9-05f5-4ef2-912e-8b13bcb0e6b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_d493b655-9f62-4920-a4f3-a74d9d262140" xlink:to="loc_us-gaap_InvestmentTableTextBlock_ca1db4b9-05f5-4ef2-912e-8b13bcb0e6b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentsTextBlock_d94d789f-57ba-4fdd-9596-cac6fb13f2f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentsTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_d493b655-9f62-4920-a4f3-a74d9d262140" xlink:to="loc_us-gaap_EquityMethodInvestmentsTextBlock_d94d789f-57ba-4fdd-9596-cac6fb13f2f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SERVICINGTables" xlink:type="simple" xlink:href="figr-20250930.xsd#SERVICINGTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SERVICINGTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_5550848c-999f-4a78-b607-fb352f6eded4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_9699012f-9c9e-4a85-a507-32772846f39d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_5550848c-999f-4a78-b607-fb352f6eded4" xlink:to="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_9699012f-9c9e-4a85-a507-32772846f39d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SchedulesOfConcentrationOfRiskByRiskFactorTextBlock_53be6cce-a028-4d65-a278-604dffb505ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SchedulesOfConcentrationOfRiskByRiskFactorTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_5550848c-999f-4a78-b607-fb352f6eded4" xlink:to="loc_us-gaap_SchedulesOfConcentrationOfRiskByRiskFactorTextBlock_53be6cce-a028-4d65-a278-604dffb505ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/LOANSTables" xlink:type="simple" xlink:href="figr-20250930.xsd#LOANSTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/LOANSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_eabb7c63-52bf-4d99-85cb-acef4dfd40ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ScheduleOfLoansHeldForSaleAndOtherReceivablesTableTextBlock_14d9f9a9-7496-465b-81cd-750d5aef6237" xlink:href="figr-20250930.xsd#figr_ScheduleOfLoansHeldForSaleAndOtherReceivablesTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_eabb7c63-52bf-4d99-85cb-acef4dfd40ff" xlink:to="loc_figr_ScheduleOfLoansHeldForSaleAndOtherReceivablesTableTextBlock_14d9f9a9-7496-465b-81cd-750d5aef6237" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_76a7d5f6-0320-4718-8358-6514cf5b9165" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_eabb7c63-52bf-4d99-85cb-acef4dfd40ff" xlink:to="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_76a7d5f6-0320-4718-8358-6514cf5b9165" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ScheduleOfLoansHeldForSaleFairValueDisclosureTableTextBlock_95c4d14e-dbf9-4de7-b895-1e36bf789a08" xlink:href="figr-20250930.xsd#figr_ScheduleOfLoansHeldForSaleFairValueDisclosureTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_eabb7c63-52bf-4d99-85cb-acef4dfd40ff" xlink:to="loc_figr_ScheduleOfLoansHeldForSaleFairValueDisclosureTableTextBlock_95c4d14e-dbf9-4de7-b895-1e36bf789a08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/DebtTables" xlink:type="simple" xlink:href="figr-20250930.xsd#DebtTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/DebtTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_b32dde85-63f9-48c5-bf06-98c24c1e9ea0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock_55cd6990-4933-4610-8d3e-336677b54f2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDebtTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_b32dde85-63f9-48c5-bf06-98c24c1e9ea0" xlink:to="loc_us-gaap_ScheduleOfDebtTableTextBlock_55cd6990-4933-4610-8d3e-336677b54f2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_5a0d892a-5b23-4e58-a709-73f6d0482569" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_b32dde85-63f9-48c5-bf06-98c24c1e9ea0" xlink:to="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_5a0d892a-5b23-4e58-a709-73f6d0482569" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYTables" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_dc4670a4-583d-40d3-822f-f35ec578fb74" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTextBlock_f4fa1e3f-ed84-454e-be2f-cecba9d4c35a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_dc4670a4-583d-40d3-822f-f35ec578fb74" xlink:to="loc_us-gaap_ScheduleOfStockByClassTextBlock_f4fa1e3f-ed84-454e-be2f-cecba9d4c35a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTextBlock_b57cad45-409a-4407-8031-9d4ca67d5f6e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_dc4670a4-583d-40d3-822f-f35ec578fb74" xlink:to="loc_us-gaap_ScheduleOfStockByClassTextBlock_b57cad45-409a-4407-8031-9d4ca67d5f6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock_97707202-b880-4bd8-97c8-56597134d5e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_dc4670a4-583d-40d3-822f-f35ec578fb74" xlink:to="loc_us-gaap_ScheduleOfEmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsTextBlock_97707202-b880-4bd8-97c8-56597134d5e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock_6199a300-8e30-4f28-a0d0-eecc04648e96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_dc4670a4-583d-40d3-822f-f35ec578fb74" xlink:to="loc_us-gaap_ScheduleOfUnrecognizedCompensationCostNonvestedAwardsTableTextBlock_6199a300-8e30-4f28-a0d0-eecc04648e96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ScheduleOfNoncontrollingInterestsTableTextBlock_e2161b5c-2c13-4ca7-bc96-ea09743533f1" xlink:href="figr-20250930.xsd#figr_ScheduleOfNoncontrollingInterestsTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_dc4670a4-583d-40d3-822f-f35ec578fb74" xlink:to="loc_figr_ScheduleOfNoncontrollingInterestsTableTextBlock_e2161b5c-2c13-4ca7-bc96-ea09743533f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/NETINCOMELOSSPERSHARETables" xlink:type="simple" xlink:href="figr-20250930.xsd#NETINCOMELOSSPERSHARETables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/NETINCOMELOSSPERSHARETables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_ab20d2f1-5d80-4e18-8350-7ceeaebec05f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_7a5cdfbe-553d-4a50-90f5-d1a27553069e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_ab20d2f1-5d80-4e18-8350-7ceeaebec05f" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_7a5cdfbe-553d-4a50-90f5-d1a27553069e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/VARIABLEINTERESTENTITIESTables" xlink:type="simple" xlink:href="figr-20250930.xsd#VARIABLEINTERESTENTITIESTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/VARIABLEINTERESTENTITIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_8ee39b4a-6dee-440c-8310-4e76ccbddbb9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityMeasureOfActivityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_a41cd853-a0f9-45a7-b460-bf5495e4fa5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_8ee39b4a-6dee-440c-8310-4e76ccbddbb9" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_a41cd853-a0f9-45a7-b460-bf5495e4fa5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_5ce912a5-011e-4558-955a-308ab58adf4c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_8ee39b4a-6dee-440c-8310-4e76ccbddbb9" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_5ce912a5-011e-4558-955a-308ab58adf4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/COMMITMENTSANDCONTINGENCIESTables" xlink:type="simple" xlink:href="figr-20250930.xsd#COMMITMENTSANDCONTINGENCIESTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/COMMITMENTSANDCONTINGENCIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_44db8729-2494-4937-b4fb-3154184c6a60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_6e2cd88e-f957-417a-8cb0-2f6835a89cce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_44db8729-2494-4937-b4fb-3154184c6a60" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_6e2cd88e-f957-417a-8cb0-2f6835a89cce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/RELATEDPARTYTRANSACTIONSTables" xlink:type="simple" xlink:href="figr-20250930.xsd#RELATEDPARTYTRANSACTIONSTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/RELATEDPARTYTRANSACTIONSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract_dfaad349-64cc-43d9-8f49-45b5685b154e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_3b9dcf85-ba5c-41c7-915e-41ec5d131247" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract_dfaad349-64cc-43d9-8f49-45b5685b154e" xlink:to="loc_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_3b9dcf85-ba5c-41c7-915e-41ec5d131247" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/FAIRVALUEMEASUREMENTSTables" xlink:type="simple" xlink:href="figr-20250930.xsd#FAIRVALUEMEASUREMENTSTables"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/FAIRVALUEMEASUREMENTSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_03ee55ea-5c55-47e9-a166-fa9bcd791fa3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_2d1d555d-824b-4407-bd97-33c133f1d706" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_03ee55ea-5c55-47e9-a166-fa9bcd791fa3" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_2d1d555d-824b-4407-bd97-33c133f1d706" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_eb9eea7f-d087-4585-a0a4-3b67586b03f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_03ee55ea-5c55-47e9-a166-fa9bcd791fa3" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_eb9eea7f-d087-4585-a0a4-3b67586b03f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_c2297401-7be5-474c-ae52-e97ec52a392a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_03ee55ea-5c55-47e9-a166-fa9bcd791fa3" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_c2297401-7be5-474c-ae52-e97ec52a392a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_e8a05284-6719-4765-90f5-f4128f53a90e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_03ee55ea-5c55-47e9-a166-fa9bcd791fa3" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_e8a05284-6719-4765-90f5-f4128f53a90e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/BUSINESSANDORGANIZATIONDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#BUSINESSANDORGANIZATIONDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/BUSINESSANDORGANIZATIONDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_97ba42f6-0d95-4a1f-88e6-2c7daa19394c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfProductInformationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_97ba42f6-0d95-4a1f-88e6-2c7daa19394c" xlink:to="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_c560c0a1-43c0-4710-814f-902b1c32e2d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_c560c0a1-43c0-4710-814f-902b1c32e2d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_0c5b4d2e-66ec-4acb-8d9b-19f012fdf563" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_c560c0a1-43c0-4710-814f-902b1c32e2d2" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_0c5b4d2e-66ec-4acb-8d9b-19f012fdf563" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigureTechnologiesInc.Member_a917e013-f037-4d04-b1ed-1dff4ac0fc0e" xlink:href="figr-20250930.xsd#figr_FigureTechnologiesInc.Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_0c5b4d2e-66ec-4acb-8d9b-19f012fdf563" xlink:to="loc_figr_FigureTechnologiesInc.Member_a917e013-f037-4d04-b1ed-1dff4ac0fc0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipAxis_f8b92d36-d42e-4f5e-83ef-0d5535582fbd" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:to="loc_srt_OwnershipAxis_f8b92d36-d42e-4f5e-83ef-0d5535582fbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipDomain_9aa056d8-81e0-4967-8092-37f2cd7a6007" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipAxis_f8b92d36-d42e-4f5e-83ef-0d5535582fbd" xlink:to="loc_srt_OwnershipDomain_9aa056d8-81e0-4967-8092-37f2cd7a6007" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ThirdPartyShareholdersMember_ceb9fa95-5edf-40e4-8d52-b3d54f786389" xlink:href="figr-20250930.xsd#figr_ThirdPartyShareholdersMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_9aa056d8-81e0-4967-8092-37f2cd7a6007" xlink:to="loc_figr_ThirdPartyShareholdersMember_ceb9fa95-5edf-40e4-8d52-b3d54f786389" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RelatedPartiesHoldersOfFTIStockMember_3407513f-9d89-428c-96ff-77eee5fb1b70" xlink:href="figr-20250930.xsd#figr_RelatedPartiesHoldersOfFTIStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_9aa056d8-81e0-4967-8092-37f2cd7a6007" xlink:to="loc_figr_RelatedPartiesHoldersOfFTIStockMember_3407513f-9d89-428c-96ff-77eee5fb1b70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_919fcfa4-c638-4b56-a304-3f3583839165" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:to="loc_us-gaap_StatementClassOfStockAxis_919fcfa4-c638-4b56-a304-3f3583839165" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_996f54fc-0a42-49c0-b0ae-55d05e8d6747" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_919fcfa4-c638-4b56-a304-3f3583839165" xlink:to="loc_us-gaap_ClassOfStockDomain_996f54fc-0a42-49c0-b0ae-55d05e8d6747" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_d91f1c08-15d0-477a-8dca-9a10df5fe285" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_996f54fc-0a42-49c0-b0ae-55d05e8d6747" xlink:to="loc_us-gaap_CommonClassAMember_d91f1c08-15d0-477a-8dca-9a10df5fe285" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_242a987c-078b-4a6e-a6c2-b94aa40cf758" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_996f54fc-0a42-49c0-b0ae-55d05e8d6747" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_242a987c-078b-4a6e-a6c2-b94aa40cf758" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_b4fec463-6c0f-4121-b2db-a5e9f818c130" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_996f54fc-0a42-49c0-b0ae-55d05e8d6747" xlink:to="loc_us-gaap_CommonClassBMember_b4fec463-6c0f-4121-b2db-a5e9f818c130" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_BlockchainCommonStockMember_9038f5b5-56d9-44a2-9e19-da09d628ab63" xlink:href="figr-20250930.xsd#figr_BlockchainCommonStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_996f54fc-0a42-49c0-b0ae-55d05e8d6747" xlink:to="loc_figr_BlockchainCommonStockMember_9038f5b5-56d9-44a2-9e19-da09d628ab63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_8915a599-ea2d-4fbb-852d-7f836a55c651" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_996f54fc-0a42-49c0-b0ae-55d05e8d6747" xlink:to="loc_us-gaap_PreferredStockMember_8915a599-ea2d-4fbb-852d-7f836a55c651" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis_164d4b59-1b0c-44ca-a9e1-979b74a557e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:to="loc_us-gaap_SubsidiarySaleOfStockAxis_164d4b59-1b0c-44ca-a9e1-979b74a557e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_1760e5a8-e132-45a4-ad4b-d0053a174a8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_164d4b59-1b0c-44ca-a9e1-979b74a557e1" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_1760e5a8-e132-45a4-ad4b-d0053a174a8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IPOMember_1f6f943e-f79c-4c95-bc46-7b80749779e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IPOMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_1760e5a8-e132-45a4-ad4b-d0053a174a8d" xlink:to="loc_us-gaap_IPOMember_1f6f943e-f79c-4c95-bc46-7b80749779e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_IPOShareholdersMember_cc683dd9-24cb-4057-85cb-6293a545dd77" xlink:href="figr-20250930.xsd#figr_IPOShareholdersMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_1760e5a8-e132-45a4-ad4b-d0053a174a8d" xlink:to="loc_figr_IPOShareholdersMember_cc683dd9-24cb-4057-85cb-6293a545dd77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_IPOOverAllotmentOptionMember_cd5caf74-cc22-4877-9856-42541a8fee63" xlink:href="figr-20250930.xsd#figr_IPOOverAllotmentOptionMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_1760e5a8-e132-45a4-ad4b-d0053a174a8d" xlink:to="loc_figr_IPOOverAllotmentOptionMember_cd5caf74-cc22-4877-9856-42541a8fee63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualAxis_1c99fff3-d521-4fe0-8add-e93f158e4e37" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_TitleOfIndividualAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:to="loc_srt_TitleOfIndividualAxis_1c99fff3-d521-4fe0-8add-e93f158e4e37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_68fa85fa-313d-4bd5-a0a5-e2b5a7027512" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_TitleOfIndividualWithRelationshipToEntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_TitleOfIndividualAxis_1c99fff3-d521-4fe0-8add-e93f158e4e37" xlink:to="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_68fa85fa-313d-4bd5-a0a5-e2b5a7027512" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ControllingPartyMember_8c714d2b-51a4-4f82-b8e5-79001cb25e13" xlink:href="figr-20250930.xsd#figr_ControllingPartyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_68fa85fa-313d-4bd5-a0a5-e2b5a7027512" xlink:to="loc_figr_ControllingPartyMember_8c714d2b-51a4-4f82-b8e5-79001cb25e13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_e2f712b7-141d-40a0-9260-9d10263d54bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:to="loc_us-gaap_AwardTypeAxis_e2f712b7-141d-40a0-9260-9d10263d54bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_fed9934f-f598-419b-bea2-0116a39d6075" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_e2f712b7-141d-40a0-9260-9d10263d54bc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_fed9934f-f598-419b-bea2-0116a39d6075" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_923084a1-0cec-4b22-9359-bfd037e6d6f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_fed9934f-f598-419b-bea2-0116a39d6075" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_923084a1-0cec-4b22-9359-bfd037e6d6f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfProductInformationTable_ecc48a90-1a39-40ee-9d4f-ce030151a1d6" xlink:to="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ReverseAcquisitionNumberOfOutstandingSharesConvertedIntoCommonStockOfAcquiree_bdbcabb1-e862-4533-8268-825821e87355" xlink:href="figr-20250930.xsd#figr_ReverseAcquisitionNumberOfOutstandingSharesConvertedIntoCommonStockOfAcquiree"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_figr_ReverseAcquisitionNumberOfOutstandingSharesConvertedIntoCommonStockOfAcquiree_bdbcabb1-e862-4533-8268-825821e87355" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired_1f26fcc8-098b-4ed3-a1a5-dcc677898187" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired_1f26fcc8-098b-4ed3-a1a5-dcc677898187" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_72eb1fd5-4e27-4e01-97be-31f0a3c8e911" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_72eb1fd5-4e27-4e01-97be-31f0a3c8e911" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_NumberOfAffiliatedCorporationsUnderCommonControl_c5b502e5-feb3-4f00-a3db-3dace17bc90b" xlink:href="figr-20250930.xsd#figr_NumberOfAffiliatedCorporationsUnderCommonControl"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_figr_NumberOfAffiliatedCorporationsUnderCommonControl_c5b502e5-feb3-4f00-a3db-3dace17bc90b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_NumberOfCorporationsOwnedDirectlyOrIndirectly_9af2b683-26f1-40db-9400-b4feeec53ad1" xlink:href="figr-20250930.xsd#figr_NumberOfCorporationsOwnedDirectlyOrIndirectly"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_figr_NumberOfCorporationsOwnedDirectlyOrIndirectly_9af2b683-26f1-40db-9400-b4feeec53ad1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteStockSplitConversionRatio1_c9e8cee7-6d2d-492a-ae3d-49cd222027a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteStockSplitConversionRatio1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_StockholdersEquityNoteStockSplitConversionRatio1_c9e8cee7-6d2d-492a-ae3d-49cd222027a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_621e7e3a-b25d-4553-9c1b-68b7c9f6484c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_621e7e3a-b25d-4553-9c1b-68b7c9f6484c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockPricePerShare_5ea074da-8c1b-4712-9d87-714e10d3e9ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockPricePerShare"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_SaleOfStockPricePerShare_5ea074da-8c1b-4712-9d87-714e10d3e9ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceInitialPublicOffering_90ce1574-91e0-41dc-8cd9-c38e50166431" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceInitialPublicOffering"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_ProceedsFromIssuanceInitialPublicOffering_90ce1574-91e0-41dc-8cd9-c38e50166431" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfStockIssuanceCosts_7f0bb48b-d75f-4dda-b093-7f60c35a35b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfStockIssuanceCosts"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_PaymentsOfStockIssuanceCosts_7f0bb48b-d75f-4dda-b093-7f60c35a35b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConversionOfStockSharesConverted1_82e9602f-d3b1-4b93-b03b-f4a38300af04" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConversionOfStockSharesConverted1"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_ConversionOfStockSharesConverted1_82e9602f-d3b1-4b93-b03b-f4a38300af04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_44a9a751-fe2d-4502-86ee-516a899caa08" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_44a9a751-fe2d-4502-86ee-516a899caa08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_27acb42b-3eb5-495c-a1b6-26a8a1f2b191" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_27acb42b-3eb5-495c-a1b6-26a8a1f2b191" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_3a3074e5-01fe-4335-b277-657600d5fdd2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_3a3074e5-01fe-4335-b277-657600d5fdd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_630033e4-e091-4b9e-8f70-1ec364e93181" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_630033e4-e091-4b9e-8f70-1ec364e93181" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_fa5ba8bc-139e-4767-b0ec-88ce7afe7891" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_fa5ba8bc-139e-4767-b0ec-88ce7afe7891" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_638cf532-e7e7-4963-b726-9c5c554fb348" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_638cf532-e7e7-4963-b726-9c5c554fb348" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_c109a6ca-2f5f-455d-8f48-c3d91fda4717" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_14a7ed44-ea41-4ff0-b8ec-02d12b058380" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_c109a6ca-2f5f-455d-8f48-c3d91fda4717" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_446f2da7-7fc1-431d-9fc2-9a4848831c83" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_30bd133b-c72e-462b-8640-b83d850de9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_446f2da7-7fc1-431d-9fc2-9a4848831c83" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_30bd133b-c72e-462b-8640-b83d850de9e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_8d552dcc-469f-43c7-b560-6eedf2d078fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_30bd133b-c72e-462b-8640-b83d850de9e5" xlink:to="loc_us-gaap_FinancialInstrumentAxis_8d552dcc-469f-43c7-b560-6eedf2d078fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_989ce91f-a10c-4292-bb3b-88c6ce609e9a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_8d552dcc-469f-43c7-b560-6eedf2d078fc" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_989ce91f-a10c-4292-bb3b-88c6ce609e9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedLoanObligationsMember_4e8eae34-9bb4-45f3-8fb9-d03885738ff9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralizedLoanObligationsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_989ce91f-a10c-4292-bb3b-88c6ce609e9a" xlink:to="loc_us-gaap_CollateralizedLoanObligationsMember_4e8eae34-9bb4-45f3-8fb9-d03885738ff9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesMember_88a55a59-9eed-410d-a38c-becf40d526a7" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_989ce91f-a10c-4292-bb3b-88c6ce609e9a" xlink:to="loc_figr_MarketableSecuritiesMember_88a55a59-9eed-410d-a38c-becf40d526a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_050a4dbb-a8f1-4ee0-96df-cdf1d526ef1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_30bd133b-c72e-462b-8640-b83d850de9e5" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_050a4dbb-a8f1-4ee0-96df-cdf1d526ef1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_54451dd1-1b5d-43a5-8965-d28917724d94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_050a4dbb-a8f1-4ee0-96df-cdf1d526ef1a" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_54451dd1-1b5d-43a5-8965-d28917724d94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareDevelopmentMember_3e21be45-79b3-4910-9816-0093c813a59e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SoftwareDevelopmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_54451dd1-1b5d-43a5-8965-d28917724d94" xlink:to="loc_us-gaap_SoftwareDevelopmentMember_3e21be45-79b3-4910-9816-0093c813a59e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SoftwarePurchasedMember_b5b13292-8914-42fc-b2d0-482afcce830d" xlink:href="figr-20250930.xsd#figr_SoftwarePurchasedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_54451dd1-1b5d-43a5-8965-d28917724d94" xlink:to="loc_figr_SoftwarePurchasedMember_b5b13292-8914-42fc-b2d0-482afcce830d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_30bd133b-c72e-462b-8640-b83d850de9e5" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_33816456-9162-4e03-9cd6-2d7c4bfd9297" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_33816456-9162-4e03-9cd6-2d7c4bfd9297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_614cf890-e691-46c0-81e9-091e0513ad89" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_614cf890-e691-46c0-81e9-091e0513ad89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_963e5544-c8bd-416b-b1a7-f3621c109628" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionChangesInFairValueGainLoss1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:to="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_963e5544-c8bd-416b-b1a7-f3621c109628" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareImpairments1_89dc30ff-a39f-4ebd-8f47-f45da1f519cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalizedComputerSoftwareImpairments1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareImpairments1_89dc30ff-a39f-4ebd-8f47-f45da1f519cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_b7ea42b6-3a75-448f-a422-b838590e0810" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:to="loc_us-gaap_SellingAndMarketingExpense_b7ea42b6-3a75-448f-a422-b838590e0810" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvertisingExpense_dbb3c4f5-cbc7-484a-bddb-ece952b579db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdvertisingExpense"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:to="loc_us-gaap_AdvertisingExpense_dbb3c4f5-cbc7-484a-bddb-ece952b579db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfOperatingSegments_9c421964-5827-4f82-b351-4a76e62df21d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NumberOfOperatingSegments"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_e18f75cf-c723-4e79-a5d0-3f56083d2102" xlink:to="loc_us-gaap_NumberOfOperatingSegments_9c421964-5827-4f82-b351-4a76e62df21d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofDerivativeAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofDerivativeAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofDerivativeAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_fdad5a1c-40f0-4ff4-9f7f-faeb6ea313f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_9c007122-99af-4e4c-8687-9fe9b04dbbb7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fdad5a1c-40f0-4ff4-9f7f-faeb6ea313f4" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_9c007122-99af-4e4c-8687-9fe9b04dbbb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_642d451f-db09-48f9-8c69-6ede27053f41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_9c007122-99af-4e4c-8687-9fe9b04dbbb7" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_642d451f-db09-48f9-8c69-6ede27053f41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_ca9f4321-9a29-45ed-8fe5-131975e3af4e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_642d451f-db09-48f9-8c69-6ede27053f41" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_ca9f4321-9a29-45ed-8fe5-131975e3af4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCurrentAssetsMember_6dbe3b28-7fab-480d-9c60-ce69052b0d06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCurrentAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_ca9f4321-9a29-45ed-8fe5-131975e3af4e" xlink:to="loc_us-gaap_OtherCurrentAssetsMember_6dbe3b28-7fab-480d-9c60-ce69052b0d06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_3cbeef2f-dc4c-46e0-9d84-b920ca36db8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_9c007122-99af-4e4c-8687-9fe9b04dbbb7" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_3cbeef2f-dc4c-46e0-9d84-b920ca36db8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_af010e56-7734-41f6-827e-84b2777c5298" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_3cbeef2f-dc4c-46e0-9d84-b920ca36db8d" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_af010e56-7734-41f6-827e-84b2777c5298" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_TreasuryNoteFutureMember_cf0f9de7-c93a-46cd-9322-f5be0b0d513b" xlink:href="figr-20250930.xsd#figr_TreasuryNoteFutureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_af010e56-7734-41f6-827e-84b2777c5298" xlink:to="loc_figr_TreasuryNoteFutureMember_cf0f9de7-c93a-46cd-9322-f5be0b0d513b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_d22d0c70-84b4-49dd-bdbc-fea0feeaece6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_9c007122-99af-4e4c-8687-9fe9b04dbbb7" xlink:to="loc_us-gaap_DerivativesFairValueLineItems_d22d0c70-84b4-49dd-bdbc-fea0feeaece6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotionalAmount_38588d86-5c03-40e7-8f0c-c54d4c75b8dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_d22d0c70-84b4-49dd-bdbc-fea0feeaece6" xlink:to="loc_us-gaap_DerivativeAssetNotionalAmount_38588d86-5c03-40e7-8f0c-c54d4c75b8dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_63694b50-70e5-402c-89b4-9cb4ca3d8f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_d22d0c70-84b4-49dd-bdbc-fea0feeaece6" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_63694b50-70e5-402c-89b4-9cb4ca3d8f0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofReconciliationofCashandCashEquivalentsandRestrictedCashDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofReconciliationofCashandCashEquivalentsandRestrictedCashDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofReconciliationofCashandCashEquivalentsandRestrictedCashDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_da0a1ea7-5fe3-4fef-a9f3-59e09d627553" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_95da20a4-fef4-4cd0-a6df-354e58ae88ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_da0a1ea7-5fe3-4fef-a9f3-59e09d627553" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_95da20a4-fef4-4cd0-a6df-354e58ae88ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_07b22983-331c-4392-b721-9b3392287352" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_da0a1ea7-5fe3-4fef-a9f3-59e09d627553" xlink:to="loc_us-gaap_RestrictedCash_07b22983-331c-4392-b721-9b3392287352" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2aeb6351-7e48-48f9-9dbc-33fe6667a894" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_da0a1ea7-5fe3-4fef-a9f3-59e09d627553" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2aeb6351-7e48-48f9-9dbc-33fe6667a894" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofComponentsofEcosystemandTechnologyFeesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofComponentsofEcosystemandTechnologyFeesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofComponentsofEcosystemandTechnologyFeesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_0cb4f4c7-ce31-4921-a745-23c5af924be2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_7a701bc3-c416-43a7-b2ee-597c773ba286" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_0cb4f4c7-ce31-4921-a745-23c5af924be2" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_7a701bc3-c416-43a7-b2ee-597c773ba286" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_a44d7744-729a-4783-8677-acbebb4aa78b" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_7a701bc3-c416-43a7-b2ee-597c773ba286" xlink:to="loc_srt_ProductOrServiceAxis_a44d7744-729a-4783-8677-acbebb4aa78b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_979e27d3-123d-4860-8ca9-e9064db756d9" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_a44d7744-729a-4783-8677-acbebb4aa78b" xlink:to="loc_srt_ProductsAndServicesDomain_979e27d3-123d-4860-8ca9-e9064db756d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EcosystemAndTechnologyFeesMember_46e21cba-4e45-454c-a257-0ae1fd89916c" xlink:href="figr-20250930.xsd#figr_EcosystemAndTechnologyFeesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_979e27d3-123d-4860-8ca9-e9064db756d9" xlink:to="loc_figr_EcosystemAndTechnologyFeesMember_46e21cba-4e45-454c-a257-0ae1fd89916c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_TechnologyOfferingFeesMember_186c84ba-7215-438e-a786-be617eef1bc0" xlink:href="figr-20250930.xsd#figr_TechnologyOfferingFeesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_EcosystemAndTechnologyFeesMember_46e21cba-4e45-454c-a257-0ae1fd89916c" xlink:to="loc_figr_TechnologyOfferingFeesMember_186c84ba-7215-438e-a786-be617eef1bc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EcosystemFeesMember_0c39d75e-0eaf-4beb-bb19-e1222b71ac89" xlink:href="figr-20250930.xsd#figr_EcosystemFeesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_EcosystemAndTechnologyFeesMember_46e21cba-4e45-454c-a257-0ae1fd89916c" xlink:to="loc_figr_EcosystemFeesMember_0c39d75e-0eaf-4beb-bb19-e1222b71ac89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProgramFeesMember_b0b84524-af73-48f1-8ee4-90e18722f57d" xlink:href="figr-20250930.xsd#figr_ProgramFeesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_979e27d3-123d-4860-8ca9-e9064db756d9" xlink:to="loc_figr_ProgramFeesMember_b0b84524-af73-48f1-8ee4-90e18722f57d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EcosystemAndTechnologyFeesIncludingProgramFeesMember_6dc396a9-3f15-45e0-a74b-708b752c3018" xlink:href="figr-20250930.xsd#figr_EcosystemAndTechnologyFeesIncludingProgramFeesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_979e27d3-123d-4860-8ca9-e9064db756d9" xlink:to="loc_figr_EcosystemAndTechnologyFeesIncludingProgramFeesMember_6dc396a9-3f15-45e0-a74b-708b752c3018" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_9e6d90ad-2a8a-4306-a8a9-9f720d0f4125" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_7a701bc3-c416-43a7-b2ee-597c773ba286" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_9e6d90ad-2a8a-4306-a8a9-9f720d0f4125" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_34c2977f-7ccc-41a2-8337-24067a71f1fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_9e6d90ad-2a8a-4306-a8a9-9f720d0f4125" xlink:to="loc_us-gaap_Revenues_34c2977f-7ccc-41a2-8337-24067a71f1fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OtherFeeIncome_d4a8c98d-48ea-42ee-a567-a303a949f70c" xlink:href="figr-20250930.xsd#figr_OtherFeeIncome"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_9e6d90ad-2a8a-4306-a8a9-9f720d0f4125" xlink:to="loc_figr_OtherFeeIncome_d4a8c98d-48ea-42ee-a567-a303a949f70c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofAmortizationofCapitalizedCostsovertheEstimatedUsefulLivesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofAmortizationofCapitalizedCostsovertheEstimatedUsefulLivesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESScheduleofAmortizationofCapitalizedCostsovertheEstimatedUsefulLivesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_c13907d1-12de-4330-a9cd-4e8946511983" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CapitalizedComputerSoftwareUsefulLife_331bcde8-4572-45a6-8240-3b1773e35cf8" xlink:href="figr-20250930.xsd#figr_CapitalizedComputerSoftwareUsefulLife"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_c13907d1-12de-4330-a9cd-4e8946511983" xlink:to="loc_figr_CapitalizedComputerSoftwareUsefulLife_331bcde8-4572-45a6-8240-3b1773e35cf8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareGross_7eff6a29-2d2a-464e-9f7f-785ed6757caf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalizedComputerSoftwareGross"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_c13907d1-12de-4330-a9cd-4e8946511983" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareGross_7eff6a29-2d2a-464e-9f7f-785ed6757caf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareAccumulatedAmortization_cebb533f-b6e6-40c7-86bb-f064e6c7fd52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalizedComputerSoftwareAccumulatedAmortization"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_c13907d1-12de-4330-a9cd-4e8946511983" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareAccumulatedAmortization_cebb533f-b6e6-40c7-86bb-f064e6c7fd52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareNet_f2112b96-dfc3-44cc-8858-a8c6ff878a71" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalizedComputerSoftwareNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_c13907d1-12de-4330-a9cd-4e8946511983" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareNet_f2112b96-dfc3-44cc-8858-a8c6ff878a71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareAmortization1_41f05ad2-04b8-4780-a261-b4d2f3f98792" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalizedComputerSoftwareAmortization1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_c13907d1-12de-4330-a9cd-4e8946511983" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareAmortization1_41f05ad2-04b8-4780-a261-b4d2f3f98792" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INVESTMENTSMarketableSecuritiesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#INVESTMENTSMarketableSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INVESTMENTSMarketableSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_376a5b32-3008-4404-9693-2c615e0e20d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3cebbc5d-a30f-4093-abfd-53cce1b58924" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_376a5b32-3008-4404-9693-2c615e0e20d6" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3cebbc5d-a30f-4093-abfd-53cce1b58924" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_45e39a52-ce60-470b-b865-31eea5650f21" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3cebbc5d-a30f-4093-abfd-53cce1b58924" xlink:to="loc_us-gaap_FinancialInstrumentAxis_45e39a52-ce60-470b-b865-31eea5650f21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ce8073c3-c651-43bd-93bd-0f634cc23308" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_45e39a52-ce60-470b-b865-31eea5650f21" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ce8073c3-c651-43bd-93bd-0f634cc23308" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_InvestmentGradeDebtSecuritiesMember_fe2fe05b-66f5-4954-a471-1cdbaa0a7be1" xlink:href="figr-20250930.xsd#figr_InvestmentGradeDebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ce8073c3-c651-43bd-93bd-0f634cc23308" xlink:to="loc_figr_InvestmentGradeDebtSecuritiesMember_fe2fe05b-66f5-4954-a471-1cdbaa0a7be1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_BelowInvestmentGradeDebtSecuritiesMember_91c23716-cd98-48ba-9d58-b6bc772c0740" xlink:href="figr-20250930.xsd#figr_BelowInvestmentGradeDebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ce8073c3-c651-43bd-93bd-0f634cc23308" xlink:to="loc_figr_BelowInvestmentGradeDebtSecuritiesMember_91c23716-cd98-48ba-9d58-b6bc772c0740" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ResidualInterestSecuritiesMember_046f9436-3725-4c5d-9648-926d2aa34e42" xlink:href="figr-20250930.xsd#figr_ResidualInterestSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ce8073c3-c651-43bd-93bd-0f634cc23308" xlink:to="loc_figr_ResidualInterestSecuritiesMember_046f9436-3725-4c5d-9648-926d2aa34e42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesMember_a7a28dae-c31c-4f41-ad6b-d24ba48395c0" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ce8073c3-c651-43bd-93bd-0f634cc23308" xlink:to="loc_figr_MarketableSecuritiesMember_a7a28dae-c31c-4f41-ad6b-d24ba48395c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_NonRatedSecuritiesMember_67205425-7d79-494c-b866-2c21f28b3de6" xlink:href="figr-20250930.xsd#figr_NonRatedSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ce8073c3-c651-43bd-93bd-0f634cc23308" xlink:to="loc_figr_NonRatedSecuritiesMember_67205425-7d79-494c-b866-2c21f28b3de6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestOnlyStripMember_3158f8b3-19e0-4732-bad6-670c009aec71" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestOnlyStripMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ce8073c3-c651-43bd-93bd-0f634cc23308" xlink:to="loc_us-gaap_InterestOnlyStripMember_3158f8b3-19e0-4732-bad6-670c009aec71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1d91103a-dfff-4d58-837f-25c48a9627d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3cebbc5d-a30f-4093-abfd-53cce1b58924" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1d91103a-dfff-4d58-837f-25c48a9627d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecurities_67afe82d-9a9c-4b00-a660-48b008055ce0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketableSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1d91103a-dfff-4d58-837f-25c48a9627d6" xlink:to="loc_us-gaap_MarketableSecurities_67afe82d-9a9c-4b00-a660-48b008055ce0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_84d29a70-4035-4e86-8264-c361a4eb8fcb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionChangesInFairValueGainLoss1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1d91103a-dfff-4d58-837f-25c48a9627d6" xlink:to="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_84d29a70-4035-4e86-8264-c361a4eb8fcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesFairValueOption_f24c0b04-f0d6-419c-afdf-19c12f485dc7" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesFairValueOption"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1d91103a-dfff-4d58-837f-25c48a9627d6" xlink:to="loc_figr_MarketableSecuritiesFairValueOption_f24c0b04-f0d6-419c-afdf-19c12f485dc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_NumberOfNonratedSecurities_8b169b32-6d06-40f4-8d1a-7c8834c5de46" xlink:href="figr-20250930.xsd#figr_NumberOfNonratedSecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_1d91103a-dfff-4d58-837f-25c48a9627d6" xlink:to="loc_figr_NumberOfNonratedSecurities_8b169b32-6d06-40f4-8d1a-7c8834c5de46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INVESTMENTSScheduleofDigitalAssetsHeldbyThirdpartyCustodiansDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#INVESTMENTSScheduleofDigitalAssetsHeldbyThirdpartyCustodiansDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INVESTMENTSScheduleofDigitalAssetsHeldbyThirdpartyCustodiansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_7c4ef323-bcde-4db9-8e72-755b1262d546" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetHoldingTable_6b2673fc-e206-4936-a87d-be2a7f7ba848" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetHoldingTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_7c4ef323-bcde-4db9-8e72-755b1262d546" xlink:to="loc_us-gaap_CryptoAssetHoldingTable_6b2673fc-e206-4936-a87d-be2a7f7ba848" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CryptoAssetAxis_18cae730-d27c-4045-b004-57be38544cfc" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CryptoAssetAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingTable_6b2673fc-e206-4936-a87d-be2a7f7ba848" xlink:to="loc_srt_CryptoAssetAxis_18cae730-d27c-4045-b004-57be38544cfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CryptoAssetDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetAxis_18cae730-d27c-4045-b004-57be38544cfc" xlink:to="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_BitcoinBTCMember_36e1d4fe-b3fa-4aab-a196-c0459fc713d7" xlink:href="figr-20250930.xsd#figr_BitcoinBTCMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:to="loc_figr_BitcoinBTCMember_36e1d4fe-b3fa-4aab-a196-c0459fc713d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EthereumETHMember_79108693-db34-472d-9aee-41fc809ec8f4" xlink:href="figr-20250930.xsd#figr_EthereumETHMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:to="loc_figr_EthereumETHMember_79108693-db34-472d-9aee-41fc809ec8f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SolanaSOLMember_20d41b12-b809-4740-a394-e88a68d3923d" xlink:href="figr-20250930.xsd#figr_SolanaSOLMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:to="loc_figr_SolanaSOLMember_20d41b12-b809-4740-a394-e88a68d3923d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_USDCMember_6b22e91a-aba5-4b25-a836-ad053ee86dcd" xlink:href="figr-20250930.xsd#figr_USDCMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:to="loc_figr_USDCMember_6b22e91a-aba5-4b25-a836-ad053ee86dcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_USDTMember_f4de80cf-db42-4b0d-8d34-5da2001eb39b" xlink:href="figr-20250930.xsd#figr_USDTMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:to="loc_figr_USDTMember_f4de80cf-db42-4b0d-8d34-5da2001eb39b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CryptoAssetOtherMember_a2a1fa40-01dc-4464-9d58-7e2378f634dd" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CryptoAssetOtherMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:to="loc_srt_CryptoAssetOtherMember_a2a1fa40-01dc-4464-9d58-7e2378f634dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetsHeldForSaleOtherThanHASHMember_3d5143a5-762a-4c06-a8fe-e016db2fd8d0" xlink:href="figr-20250930.xsd#figr_CryptoAssetsHeldForSaleOtherThanHASHMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetDomain_0e3de103-94a7-4c09-94db-c22b41d8f144" xlink:to="loc_figr_CryptoAssetsHeldForSaleOtherThanHASHMember_3d5143a5-762a-4c06-a8fe-e016db2fd8d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetHoldingLineItems_2c336032-da2d-40ab-8470-fdf05e244141" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetHoldingLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingTable_6b2673fc-e206-4936-a87d-be2a7f7ba848" xlink:to="loc_us-gaap_CryptoAssetHoldingLineItems_2c336032-da2d-40ab-8470-fdf05e244141" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetsHeldAsCollateralAbstract_96f3d2ff-4fed-417a-9ce6-b40484e07634" xlink:href="figr-20250930.xsd#figr_CryptoAssetsHeldAsCollateralAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingLineItems_2c336032-da2d-40ab-8470-fdf05e244141" xlink:to="loc_figr_CryptoAssetsHeldAsCollateralAbstract_96f3d2ff-4fed-417a-9ce6-b40484e07634" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetNumberOfRestrictedUnits_357c707c-b45e-4a72-a2bc-b248d9fc3955" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetNumberOfRestrictedUnits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_CryptoAssetsHeldAsCollateralAbstract_96f3d2ff-4fed-417a-9ce6-b40484e07634" xlink:to="loc_us-gaap_CryptoAssetNumberOfRestrictedUnits_357c707c-b45e-4a72-a2bc-b248d9fc3955" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetFairValueRestricted_4b1f68af-cfed-468d-bf83-f996329e93fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetFairValueRestricted"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_CryptoAssetsHeldAsCollateralAbstract_96f3d2ff-4fed-417a-9ce6-b40484e07634" xlink:to="loc_us-gaap_CryptoAssetFairValueRestricted_4b1f68af-cfed-468d-bf83-f996329e93fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LiabilityForLoanOriginationsCollateralizedByDigitalAssets_0dba3a8f-376b-4fa3-8890-75332b245f36" xlink:href="figr-20250930.xsd#figr_LiabilityForLoanOriginationsCollateralizedByDigitalAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_CryptoAssetsHeldAsCollateralAbstract_96f3d2ff-4fed-417a-9ce6-b40484e07634" xlink:to="loc_figr_LiabilityForLoanOriginationsCollateralizedByDigitalAssets_0dba3a8f-376b-4fa3-8890-75332b245f36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DigitalAssetsHeldForSaleAbstract_ce4193ee-7182-4d51-bd8e-34b3047607c1" xlink:href="figr-20250930.xsd#figr_DigitalAssetsHeldForSaleAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingLineItems_2c336032-da2d-40ab-8470-fdf05e244141" xlink:to="loc_figr_DigitalAssetsHeldForSaleAbstract_ce4193ee-7182-4d51-bd8e-34b3047607c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetNumberOfUnits_d0260ce6-b49c-4ff0-b7d2-ad5c7f115b27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetNumberOfUnits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_DigitalAssetsHeldForSaleAbstract_ce4193ee-7182-4d51-bd8e-34b3047607c1" xlink:to="loc_us-gaap_CryptoAssetNumberOfUnits_d0260ce6-b49c-4ff0-b7d2-ad5c7f115b27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetCost_1cd37ccb-94f9-4da8-a203-cf7f244acb2a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_DigitalAssetsHeldForSaleAbstract_ce4193ee-7182-4d51-bd8e-34b3047607c1" xlink:to="loc_us-gaap_CryptoAssetCost_1cd37ccb-94f9-4da8-a203-cf7f244acb2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetFairValue_77344c06-421d-467b-a29a-0337cc96b2cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_DigitalAssetsHeldForSaleAbstract_ce4193ee-7182-4d51-bd8e-34b3047607c1" xlink:to="loc_us-gaap_CryptoAssetFairValue_77344c06-421d-467b-a29a-0337cc96b2cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetNumberOfUnitsSubjectToLockUpPeriod_34778a1a-a1f1-4523-9dd2-3acfc18c739d" xlink:href="figr-20250930.xsd#figr_CryptoAssetNumberOfUnitsSubjectToLockUpPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_DigitalAssetsHeldForSaleAbstract_ce4193ee-7182-4d51-bd8e-34b3047607c1" xlink:to="loc_figr_CryptoAssetNumberOfUnitsSubjectToLockUpPeriod_34778a1a-a1f1-4523-9dd2-3acfc18c739d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INVESTMENTSScheduleofActivitiesInvolvingtheCompanysDigitalAssetsHeldasCollateralandHeldForSaleDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#INVESTMENTSScheduleofActivitiesInvolvingtheCompanysDigitalAssetsHeldasCollateralandHeldForSaleDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INVESTMENTSScheduleofActivitiesInvolvingtheCompanysDigitalAssetsHeldasCollateralandHeldForSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_a1bd8718-f3c7-4a73-8904-7e9b73584f9d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetHoldingTable_778b5b60-6206-48d7-9103-1c33699ee198" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetHoldingTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_a1bd8718-f3c7-4a73-8904-7e9b73584f9d" xlink:to="loc_us-gaap_CryptoAssetHoldingTable_778b5b60-6206-48d7-9103-1c33699ee198" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_743c0c1d-740e-4ab4-a876-708e644e08f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingTable_778b5b60-6206-48d7-9103-1c33699ee198" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_743c0c1d-740e-4ab4-a876-708e644e08f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_a9df17b6-941b-4d64-bd3b-245b7d94e5cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_743c0c1d-740e-4ab4-a876-708e644e08f1" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_a9df17b6-941b-4d64-bd3b-245b7d94e5cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetsHeldAsCollateralMember_43b65d4f-71bb-4f0a-bdc3-615251e06f3d" xlink:href="figr-20250930.xsd#figr_CryptoAssetsHeldAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_a9df17b6-941b-4d64-bd3b-245b7d94e5cd" xlink:to="loc_figr_CryptoAssetsHeldAsCollateralMember_43b65d4f-71bb-4f0a-bdc3-615251e06f3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetHeldForSaleMember_b876659f-755b-4b78-b641-268c2c533433" xlink:href="figr-20250930.xsd#figr_CryptoAssetHeldForSaleMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_a9df17b6-941b-4d64-bd3b-245b7d94e5cd" xlink:to="loc_figr_CryptoAssetHeldForSaleMember_b876659f-755b-4b78-b641-268c2c533433" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetHoldingLineItems_4a3a75f4-8fbe-4954-aea6-777ad6d590a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetHoldingLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingTable_778b5b60-6206-48d7-9103-1c33699ee198" xlink:to="loc_us-gaap_CryptoAssetHoldingLineItems_4a3a75f4-8fbe-4954-aea6-777ad6d590a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingLineItems_4a3a75f4-8fbe-4954-aea6-777ad6d590a1" xlink:to="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetFairValue_3ef9bbd9-9a03-4d35-9789-ff53ac24792c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetFairValue_3ef9bbd9-9a03-4d35-9789-ff53ac24792c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetPurchase_710a51f3-1411-44b4-98bb-2ceb118852e4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetPurchase"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetPurchase_710a51f3-1411-44b4-98bb-2ceb118852e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetSale_dff2355d-4c08-4409-960f-a55ade2f88c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetSale_dff2355d-4c08-4409-960f-a55ade2f88c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetCustomerReceipt_214142ca-295c-46be-8b71-592850bbb2a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetCustomerReceipt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetCustomerReceipt_214142ca-295c-46be-8b71-592850bbb2a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetPaymentForService_a39ed021-0428-48d1-96dd-967f1f510da0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetPaymentForService"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetPaymentForService_a39ed021-0428-48d1-96dd-967f1f510da0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetRealizedGainOperating_ece25a95-997b-4f90-8876-b7bc4eddd6fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetRealizedGainOperating"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetRealizedGainOperating_ece25a95-997b-4f90-8876-b7bc4eddd6fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetDisposition_f512187f-eb80-4922-84af-c447700c0294" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetDisposition"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetDisposition_f512187f-eb80-4922-84af-c447700c0294" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetPeriodIncreaseDecrease_d56f6484-e5b7-426b-bf17-1d1ed73854f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetPeriodIncreaseDecrease"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetPeriodIncreaseDecrease_d56f6484-e5b7-426b-bf17-1d1ed73854f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetImpairment_57e6aae3-ce8f-41a2-8f10-a75bcf695600" xlink:href="figr-20250930.xsd#figr_CryptoAssetImpairment"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_figr_CryptoAssetImpairment_57e6aae3-ce8f-41a2-8f10-a75bcf695600" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetFairValue_5d3ada7c-4fe4-4818-924f-53da7d093501" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetFairValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetRollForward_6133f8b6-592a-478b-b4e9-0dff4dbf5f3c" xlink:to="loc_us-gaap_CryptoAssetFairValue_5d3ada7c-4fe4-4818-924f-53da7d093501" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INVESTMENTSScheduleofInvestmentDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#INVESTMENTSScheduleofInvestmentDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INVESTMENTSScheduleofInvestmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_f226c40a-feb6-428d-97a2-102409ac1675" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_c38ca51b-01d1-4306-af6e-06aa643d99cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfEquityMethodInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_f226c40a-feb6-428d-97a2-102409ac1675" xlink:to="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_c38ca51b-01d1-4306-af6e-06aa643d99cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_59a74d87-4efc-4765-a807-8be8995967c5" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_c38ca51b-01d1-4306-af6e-06aa643d99cc" xlink:to="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_59a74d87-4efc-4765-a807-8be8995967c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EquityMethodInvesteeNameDomain_669e6e49-f0e0-4ed3-ac79-7dcbe5f56e7e" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_EquityMethodInvesteeNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_59a74d87-4efc-4765-a807-8be8995967c5" xlink:to="loc_srt_EquityMethodInvesteeNameDomain_669e6e49-f0e0-4ed3-ac79-7dcbe5f56e7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DomesticSolanaFundMember_5371194a-c5df-45a3-97aa-e636d28590e0" xlink:href="figr-20250930.xsd#figr_DomesticSolanaFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_669e6e49-f0e0-4ed3-ac79-7dcbe5f56e7e" xlink:to="loc_figr_DomesticSolanaFundMember_5371194a-c5df-45a3-97aa-e636d28590e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ReflowMember_6eb83ae2-12cc-44a4-a41d-1b4a29c0ccc3" xlink:href="figr-20250930.xsd#figr_ReflowMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_669e6e49-f0e0-4ed3-ac79-7dcbe5f56e7e" xlink:to="loc_figr_ReflowMember_6eb83ae2-12cc-44a4-a41d-1b4a29c0ccc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigSIXMember_19da6ae2-60a8-4a38-8403-1cdeebd98ba3" xlink:href="figr-20250930.xsd#figr_FigSIXMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_669e6e49-f0e0-4ed3-ac79-7dcbe5f56e7e" xlink:to="loc_figr_FigSIXMember_19da6ae2-60a8-4a38-8403-1cdeebd98ba3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_JAMFINTOPMember_d7d6cf34-407d-4bb8-9067-3f9249b08de5" xlink:href="figr-20250930.xsd#figr_JAMFINTOPMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_669e6e49-f0e0-4ed3-ac79-7dcbe5f56e7e" xlink:to="loc_figr_JAMFINTOPMember_d7d6cf34-407d-4bb8-9067-3f9249b08de5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_TotalEquityMethodInvestmentsMember_9ed10f22-5ded-4031-b1a8-452e5ec49818" xlink:href="figr-20250930.xsd#figr_TotalEquityMethodInvestmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_669e6e49-f0e0-4ed3-ac79-7dcbe5f56e7e" xlink:to="loc_figr_TotalEquityMethodInvestmentsMember_9ed10f22-5ded-4031-b1a8-452e5ec49818" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_97d03fd6-c9cf-4e81-983b-fddef52ae6d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfEquityMethodInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_c38ca51b-01d1-4306-af6e-06aa643d99cc" xlink:to="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_97d03fd6-c9cf-4e81-983b-fddef52ae6d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_de841f39-1cec-48a6-b1b2-e134984bede7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_97d03fd6-c9cf-4e81-983b-fddef52ae6d6" xlink:to="loc_us-gaap_EquityMethodInvestments_de841f39-1cec-48a6-b1b2-e134984bede7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_d462b4a9-c021-4dd6-aba2-880932d39810" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_97d03fd6-c9cf-4e81-983b-fddef52ae6d6" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_d462b4a9-c021-4dd6-aba2-880932d39810" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_f8b7bf5c-a6f9-48e7-a26b-969cab20b724" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Investments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_97d03fd6-c9cf-4e81-983b-fddef52ae6d6" xlink:to="loc_us-gaap_Investments_f8b7bf5c-a6f9-48e7-a26b-969cab20b724" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentOwnershipPercentage_2c9d0192-ec81-477a-868b-b28e34e521c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentOwnershipPercentage"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_97d03fd6-c9cf-4e81-983b-fddef52ae6d6" xlink:to="loc_us-gaap_EquityMethodInvestmentOwnershipPercentage_2c9d0192-ec81-477a-868b-b28e34e521c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityOwnershipPercentageExcludingConsolidatedEntityAndEquityMethodInvestee_fba6afca-f5bd-4f4f-ac98-fe0c105dde62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityOwnershipPercentageExcludingConsolidatedEntityAndEquityMethodInvestee"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_97d03fd6-c9cf-4e81-983b-fddef52ae6d6" xlink:to="loc_us-gaap_EquityOwnershipPercentageExcludingConsolidatedEntityAndEquityMethodInvestee_fba6afca-f5bd-4f4f-ac98-fe0c105dde62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INVESTMENTSScheduleofChangesintheCompanysEquityInvestmentsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#INVESTMENTSScheduleofChangesintheCompanysEquityInvestmentsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INVESTMENTSScheduleofChangesintheCompanysEquityInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_ba8dd440-5b89-47cd-8b37-89b316a0fc8c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_7f284c85-1022-48cc-91c1-38554f30cbd6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfEquityMethodInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_ba8dd440-5b89-47cd-8b37-89b316a0fc8c" xlink:to="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_7f284c85-1022-48cc-91c1-38554f30cbd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_e7f529a8-bef7-472a-8c7d-4608358cf7f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_7f284c85-1022-48cc-91c1-38554f30cbd6" xlink:to="loc_us-gaap_InvestmentTypeAxis_e7f529a8-bef7-472a-8c7d-4608358cf7f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_e0306737-8e6d-4542-a650-0a3b858be3f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_e7f529a8-bef7-472a-8c7d-4608358cf7f5" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_e0306737-8e6d-4542-a650-0a3b858be3f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvesteeMember_87479a1d-70ff-41c2-adc9-a548251f071e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvesteeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_e0306737-8e6d-4542-a650-0a3b858be3f3" xlink:to="loc_us-gaap_EquityMethodInvesteeMember_87479a1d-70ff-41c2-adc9-a548251f071e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MeasurementAlternativeInvestmentsMember_ff928b86-30a9-4370-bb8f-b7add3f36d47" xlink:href="figr-20250930.xsd#figr_MeasurementAlternativeInvestmentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_e0306737-8e6d-4542-a650-0a3b858be3f3" xlink:to="loc_figr_MeasurementAlternativeInvestmentsMember_ff928b86-30a9-4370-bb8f-b7add3f36d47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EquityInvestmentsMember_8f782154-833b-4aeb-ba90-f1061dc22fc0" xlink:href="figr-20250930.xsd#figr_EquityInvestmentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_e0306737-8e6d-4542-a650-0a3b858be3f3" xlink:to="loc_figr_EquityInvestmentsMember_8f782154-833b-4aeb-ba90-f1061dc22fc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_9f227114-3f32-4c0a-8ebc-a3aae882de22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfEquityMethodInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsTable_7f284c85-1022-48cc-91c1-38554f30cbd6" xlink:to="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_9f227114-3f32-4c0a-8ebc-a3aae882de22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentsAndJointVenturesAbstract_b4ea71b5-8a49-4adc-bfb0-eb02a1e9feac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentsAndJointVenturesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_9f227114-3f32-4c0a-8ebc-a3aae882de22" xlink:to="loc_us-gaap_EquityMethodInvestmentsAndJointVenturesAbstract_b4ea71b5-8a49-4adc-bfb0-eb02a1e9feac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_aabb4daa-2ebb-4210-9556-f2005de9dcde" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityMethodInvestmentsAndJointVenturesAbstract_b4ea71b5-8a49-4adc-bfb0-eb02a1e9feac" xlink:to="loc_us-gaap_EquityMethodInvestments_aabb4daa-2ebb-4210-9556-f2005de9dcde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_d9a905ea-c300-4c84-9296-030ea301a2ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityMethodInvestmentsAndJointVenturesAbstract_b4ea71b5-8a49-4adc-bfb0-eb02a1e9feac" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_d9a905ea-c300-4c84-9296-030ea301a2ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_d3b7691c-78d3-43bc-8d64-7e44ccef2739" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityMethodInvestmentsAndJointVenturesAbstract_b4ea71b5-8a49-4adc-bfb0-eb02a1e9feac" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_d3b7691c-78d3-43bc-8d64-7e44ccef2739" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_b179a1b3-2aa9-453b-b496-4fb0de1f030a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityMethodInvestmentsAndJointVenturesAbstract_b4ea71b5-8a49-4adc-bfb0-eb02a1e9feac" xlink:to="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_b179a1b3-2aa9-453b-b496-4fb0de1f030a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_869b0959-f506-4d6a-a116-db68f8097cd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestments"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityMethodInvestmentsAndJointVenturesAbstract_b4ea71b5-8a49-4adc-bfb0-eb02a1e9feac" xlink:to="loc_us-gaap_EquityMethodInvestments_869b0959-f506-4d6a-a116-db68f8097cd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MeasurementAlternativeInvestmentAbstract_4fe71acc-6600-47d3-9ae7-35f751b66136" xlink:href="figr-20250930.xsd#figr_MeasurementAlternativeInvestmentAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_9f227114-3f32-4c0a-8ebc-a3aae882de22" xlink:to="loc_figr_MeasurementAlternativeInvestmentAbstract_4fe71acc-6600-47d3-9ae7-35f751b66136" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_896b195e-1678-4f55-becc-f31a95aaebb2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_MeasurementAlternativeInvestmentAbstract_4fe71acc-6600-47d3-9ae7-35f751b66136" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_896b195e-1678-4f55-becc-f31a95aaebb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAnnualAmount_fba77447-5b4e-49da-85be-a024e772e28b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAnnualAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_MeasurementAlternativeInvestmentAbstract_4fe71acc-6600-47d3-9ae7-35f751b66136" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAnnualAmount_fba77447-5b4e-49da-85be-a024e772e28b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_013b23b9-32b1-48ac-b5ba-c871f27ae77b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_MeasurementAlternativeInvestmentAbstract_4fe71acc-6600-47d3-9ae7-35f751b66136" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_013b23b9-32b1-48ac-b5ba-c871f27ae77b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_4dbe6315-f8a8-4bbf-ae72-3a0f9e6fd234" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfEquityMethodInvestmentsLineItems_9f227114-3f32-4c0a-8ebc-a3aae882de22" xlink:to="loc_us-gaap_InvestmentsAbstract_4dbe6315-f8a8-4bbf-ae72-3a0f9e6fd234" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EquityMethodInvestmentsAndAlternativeInvestments_f5ff76d8-48b1-4e7c-9487-0b5ad79e1aab" xlink:href="figr-20250930.xsd#figr_EquityMethodInvestmentsAndAlternativeInvestments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_4dbe6315-f8a8-4bbf-ae72-3a0f9e6fd234" xlink:to="loc_figr_EquityMethodInvestmentsAndAlternativeInvestments_f5ff76d8-48b1-4e7c-9487-0b5ad79e1aab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_19749341-a6d3-4886-828e-2d2a25e5c285" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_4dbe6315-f8a8-4bbf-ae72-3a0f9e6fd234" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_19749341-a6d3-4886-828e-2d2a25e5c285" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_eaeac725-c459-49cd-b603-72c973e0d8f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_4dbe6315-f8a8-4bbf-ae72-3a0f9e6fd234" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_eaeac725-c459-49cd-b603-72c973e0d8f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedNetLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_5a8e9c90-0d53-47f4-b4a4-4d93d16385f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_4dbe6315-f8a8-4bbf-ae72-3a0f9e6fd234" xlink:to="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_5a8e9c90-0d53-47f4-b4a4-4d93d16385f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAnnualAmount_6a0fb257-6634-4e4d-86c3-369c1bf293ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAnnualAmount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_4dbe6315-f8a8-4bbf-ae72-3a0f9e6fd234" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAnnualAmount_6a0fb257-6634-4e4d-86c3-369c1bf293ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EquityMethodInvestmentsAndAlternativeInvestments_aac54324-7c7a-4486-9d7f-73697cda4981" xlink:href="figr-20250930.xsd#figr_EquityMethodInvestmentsAndAlternativeInvestments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_4dbe6315-f8a8-4bbf-ae72-3a0f9e6fd234" xlink:to="loc_figr_EquityMethodInvestmentsAndAlternativeInvestments_aac54324-7c7a-4486-9d7f-73697cda4981" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SERVICINGNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#SERVICINGNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SERVICINGNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_bd01e6c8-cb49-423e-b34b-cec81d163871" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_6ce0b66c-4cab-4851-835f-0d09cd285a2d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingLiabilitiesAtFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_bd01e6c8-cb49-423e-b34b-cec81d163871" xlink:to="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_6ce0b66c-4cab-4851-835f-0d09cd285a2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_6b6a4a69-fd4a-47b1-9ebf-83642da9a98c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_6ce0b66c-4cab-4851-835f-0d09cd285a2d" xlink:to="loc_us-gaap_FinancialInstrumentAxis_6b6a4a69-fd4a-47b1-9ebf-83642da9a98c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7b3e5b50-312d-4c52-bc53-adca8bd2ec85" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_6b6a4a69-fd4a-47b1-9ebf-83642da9a98c" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7b3e5b50-312d-4c52-bc53-adca8bd2ec85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_BorrowerPaymentsMember_78c8ba35-6af9-4ed0-894c-cbb590d5e60e" xlink:href="figr-20250930.xsd#figr_BorrowerPaymentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7b3e5b50-312d-4c52-bc53-adca8bd2ec85" xlink:to="loc_figr_BorrowerPaymentsMember_78c8ba35-6af9-4ed0-894c-cbb590d5e60e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanPurchaseCommitmentsMember_3aee26de-77e9-4773-a353-47049f86fbe5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanPurchaseCommitmentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7b3e5b50-312d-4c52-bc53-adca8bd2ec85" xlink:to="loc_us-gaap_LoanPurchaseCommitmentsMember_3aee26de-77e9-4773-a353-47049f86fbe5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_bc580c07-0121-44e0-a5da-5cf15fdb4a41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingLiabilitiesAtFairValueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueTable_6ce0b66c-4cab-4851-835f-0d09cd285a2d" xlink:to="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_bc580c07-0121-44e0-a5da-5cf15fdb4a41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiability_34d1ecbe-dc87-4ee1-a316-27af89ce28a0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingLiabilitiesAtFairValueLineItems_bc580c07-0121-44e0-a5da-5cf15fdb4a41" xlink:to="loc_us-gaap_ServicingLiability_34d1ecbe-dc87-4ee1-a316-27af89ce28a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SERVICINGScheduleofServicingAssetsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#SERVICINGScheduleofServicingAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SERVICINGScheduleofServicingAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_a93d0f7e-48f0-4ee4-a3df-a352363164e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeesEarnedInExchangeForServicingFinancialAssetsTable_8fccd843-21d8-447e-b409-5824e5b2c8f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FeesEarnedInExchangeForServicingFinancialAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_a93d0f7e-48f0-4ee4-a3df-a352363164e6" xlink:to="loc_us-gaap_FeesEarnedInExchangeForServicingFinancialAssetsTable_8fccd843-21d8-447e-b409-5824e5b2c8f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44334d99-c6de-446e-a01c-e516090be669" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FeesEarnedInExchangeForServicingFinancialAssetsTable_8fccd843-21d8-447e-b409-5824e5b2c8f7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44334d99-c6de-446e-a01c-e516090be669" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_62716d1b-7bcb-40f6-93d1-15fbe9cc16b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44334d99-c6de-446e-a01c-e516090be669" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_62716d1b-7bcb-40f6-93d1-15fbe9cc16b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_5ab08500-42f4-4a94-9515-c61e08bab858" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_62716d1b-7bcb-40f6-93d1-15fbe9cc16b1" xlink:to="loc_us-gaap_HomeEquityMember_5ab08500-42f4-4a94-9515-c61e08bab858" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MortgageLoansMember_7f491fd8-8a73-4633-93ae-0f51960bc453" xlink:href="figr-20250930.xsd#figr_MortgageLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_62716d1b-7bcb-40f6-93d1-15fbe9cc16b1" xlink:to="loc_figr_MortgageLoansMember_7f491fd8-8a73-4633-93ae-0f51960bc453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_6435314f-bcc0-4637-87c7-bd89e52492e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FeesEarnedInExchangeForServicingFinancialAssetsTable_8fccd843-21d8-447e-b409-5824e5b2c8f7" xlink:to="loc_us-gaap_FinancialInstrumentAxis_6435314f-bcc0-4637-87c7-bd89e52492e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5687375b-d9b9-4585-8a5e-2fa5dfe49749" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_6435314f-bcc0-4637-87c7-bd89e52492e7" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5687375b-d9b9-4585-8a5e-2fa5dfe49749" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingContractsMember_f5589b6a-2237-4cc8-aa24-5d648b45e403" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingContractsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5687375b-d9b9-4585-8a5e-2fa5dfe49749" xlink:to="loc_us-gaap_ServicingContractsMember_f5589b6a-2237-4cc8-aa24-5d648b45e403" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssetsAbstract_343fe662-baf5-418f-a1ea-d28556b98da1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssetsAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FeesEarnedInExchangeForServicingFinancialAssetsTable_8fccd843-21d8-447e-b409-5824e5b2c8f7" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssetsAbstract_343fe662-baf5-418f-a1ea-d28556b98da1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized_a519e354-f776-4a91-bce9-fd32cfc09a36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssetsAbstract_343fe662-baf5-418f-a1ea-d28556b98da1" xlink:to="loc_us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized_a519e354-f776-4a91-bce9-fd32cfc09a36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ServicingAssetLoansManagedNumberOfLoans_96c4d248-90ad-4ba8-b27b-f5726c347f74" xlink:href="figr-20250930.xsd#figr_ServicingAssetLoansManagedNumberOfLoans"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssetsAbstract_343fe662-baf5-418f-a1ea-d28556b98da1" xlink:to="loc_figr_ServicingAssetLoansManagedNumberOfLoans_96c4d248-90ad-4ba8-b27b-f5726c347f74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_40af8f91-2c71-44cc-af9f-a6fc757d47ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssetsAbstract_343fe662-baf5-418f-a1ea-d28556b98da1" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_40af8f91-2c71-44cc-af9f-a6fc757d47ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/SERVICINGSchedulesofRollforwardoftheCompanyServicingAssetsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#SERVICINGSchedulesofRollforwardoftheCompanyServicingAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/SERVICINGSchedulesofRollforwardoftheCompanyServicingAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_ea6e6496-90ed-482b-9589-a36c017d79f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ServicingOfFinancialAssetsRollForward_1fea12f6-e96d-4045-975f-5dc30c5ab044" xlink:href="figr-20250930.xsd#figr_ServicingOfFinancialAssetsRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_ea6e6496-90ed-482b-9589-a36c017d79f5" xlink:to="loc_figr_ServicingOfFinancialAssetsRollForward_1fea12f6-e96d-4045-975f-5dc30c5ab044" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_67b09b19-333b-47f7-8e46-9030436e4c3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_ServicingOfFinancialAssetsRollForward_1fea12f6-e96d-4045-975f-5dc30c5ab044" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_67b09b19-333b-47f7-8e46-9030436e4c3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAdditions_5bd1eabc-cc67-4034-a6cd-9abe56d69a27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_ServicingOfFinancialAssetsRollForward_1fea12f6-e96d-4045-975f-5dc30c5ab044" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAdditions_5bd1eabc-cc67-4034-a6cd-9abe56d69a27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_8e0478a5-ce20-4bdc-ace0-9b6bd442d609" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_ServicingOfFinancialAssetsRollForward_1fea12f6-e96d-4045-975f-5dc30c5ab044" xlink:to="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_8e0478a5-ce20-4bdc-ace0-9b6bd442d609" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions_68ef5740-6013-403a-b979-acd8ad5fc26a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_ServicingOfFinancialAssetsRollForward_1fea12f6-e96d-4045-975f-5dc30c5ab044" xlink:to="loc_us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions_68ef5740-6013-403a-b979-acd8ad5fc26a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_f059d576-b953-4a21-8520-4c631b9dfb8c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_ServicingOfFinancialAssetsRollForward_1fea12f6-e96d-4045-975f-5dc30c5ab044" xlink:to="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_f059d576-b953-4a21-8520-4c631b9dfb8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_8d83cc65-13d5-4734-ab27-1b6cfd9dc3c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_ServicingOfFinancialAssetsRollForward_1fea12f6-e96d-4045-975f-5dc30c5ab044" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_8d83cc65-13d5-4734-ab27-1b6cfd9dc3c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/ServicingSchedulesofGeographicConcentrationoftheLoansDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#ServicingSchedulesofGeographicConcentrationoftheLoansDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/ServicingSchedulesofGeographicConcentrationoftheLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_51908261-3914-4a10-8b47-0ab481de2f1e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeTable_c1a05bfd-617b-46df-be6e-fb2ed8be6bdd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_51908261-3914-4a10-8b47-0ab481de2f1e" xlink:to="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeTable_c1a05bfd-617b-46df-be6e-fb2ed8be6bdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_52084001-1f25-4098-a486-dc6d1b9b8906" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeTable_c1a05bfd-617b-46df-be6e-fb2ed8be6bdd" xlink:to="loc_srt_StatementGeographicalAxis_52084001-1f25-4098-a486-dc6d1b9b8906" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_52084001-1f25-4098-a486-dc6d1b9b8906" xlink:to="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA_232097d2-7237-409d-9756-1f79d2cd8bd3" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_CA"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_CA_232097d2-7237-409d-9756-1f79d2cd8bd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_FL_316e8516-dfbc-4a3e-88d0-89d97d2a755e" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_FL"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_FL_316e8516-dfbc-4a3e-88d0-89d97d2a755e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_AZ_bff872c7-f7b9-4861-a3b2-77a57e92ecf9" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_AZ"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_AZ_bff872c7-f7b9-4861-a3b2-77a57e92ecf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_GA_c6a01af9-05eb-4dc0-be77-82f1d1cb572c" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_GA"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_GA_c6a01af9-05eb-4dc0-be77-82f1d1cb572c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_WA_286e6f13-7a16-43ae-aa1d-16e04bee10cb" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_WA"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_WA_286e6f13-7a16-43ae-aa1d-16e04bee10cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NJ_e3e096e5-b660-42db-b25a-124cd99c3c06" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_NJ"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_NJ_e3e096e5-b660-42db-b25a-124cd99c3c06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NC_05fe1c5e-8d10-48bd-b6c5-b519de8fad2b" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_NC"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_NC_05fe1c5e-8d10-48bd-b6c5-b519de8fad2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_VA_11e85a05-748a-46c0-9dbe-f025c774f0f6" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_VA"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_VA_11e85a05-748a-46c0-9dbe-f025c774f0f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CO_457f2691-ec1b-473d-9372-e101972f9a4a" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_CO"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_CO_457f2691-ec1b-473d-9372-e101972f9a4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_OH_e8e8e541-485e-4afb-896f-ceb39d2b8a71" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_OH"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_stpr_OH_e8e8e541-485e-4afb-896f-ceb39d2b8a71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonUsMember_9a23ad34-ac6d-4e82-b4d1-146bd4fa6f91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonUsMember"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_f232b539-c72d-4426-a55a-b9e07b4e8f9f" xlink:to="loc_us-gaap_NonUsMember_9a23ad34-ac6d-4e82-b4d1-146bd4fa6f91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_2587b71c-06b1-499e-8094-ca0d77e24af5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeTable_c1a05bfd-617b-46df-be6e-fb2ed8be6bdd" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_2587b71c-06b1-499e-8094-ca0d77e24af5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_8df09650-2f29-4025-b6bd-8e365a37d5ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_2587b71c-06b1-499e-8094-ca0d77e24af5" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_8df09650-2f29-4025-b6bd-8e365a37d5ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeographicConcentrationRiskMember_a0d6eb36-5c9f-4fdc-86a5-80ccd4aa087c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeographicConcentrationRiskMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_8df09650-2f29-4025-b6bd-8e365a37d5ca" xlink:to="loc_us-gaap_GeographicConcentrationRiskMember_a0d6eb36-5c9f-4fdc-86a5-80ccd4aa087c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_b564ebe5-b169-4622-be11-f9602ca4e42a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeTable_c1a05bfd-617b-46df-be6e-fb2ed8be6bdd" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_b564ebe5-b169-4622-be11-f9602ca4e42a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_1ff719b7-f43f-4857-90cd-6885e02d465b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_b564ebe5-b169-4622-be11-f9602ca4e42a" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_1ff719b7-f43f-4857-90cd-6885e02d465b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansUnderlyingServicingAssetsMember_a4fb4925-b883-489f-9b8c-cbc2617d0ce1" xlink:href="figr-20250930.xsd#figr_LoansUnderlyingServicingAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_1ff719b7-f43f-4857-90cd-6885e02d465b" xlink:to="loc_figr_LoansUnderlyingServicingAssetsMember_a4fb4925-b883-489f-9b8c-cbc2617d0ce1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeographicDistributionAxis_25aa3b9d-61cb-43f3-9d1e-09aaa0cdc148" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeographicDistributionAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeTable_c1a05bfd-617b-46df-be6e-fb2ed8be6bdd" xlink:to="loc_us-gaap_GeographicDistributionAxis_25aa3b9d-61cb-43f3-9d1e-09aaa0cdc148" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeographicDistributionDomain_8d304ac3-f463-4c8f-96ff-fa42b0b4bdb4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeographicDistributionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GeographicDistributionAxis_25aa3b9d-61cb-43f3-9d1e-09aaa0cdc148" xlink:to="loc_us-gaap_GeographicDistributionDomain_8d304ac3-f463-4c8f-96ff-fa42b0b4bdb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeographicDistributionForeignMember_a6555de9-dbc8-4b37-8a40-a724381ed098" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeographicDistributionForeignMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GeographicDistributionDomain_8d304ac3-f463-4c8f-96ff-fa42b0b4bdb4" xlink:to="loc_us-gaap_GeographicDistributionForeignMember_a6555de9-dbc8-4b37-8a40-a724381ed098" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeLineItems_909bb04f-a99e-44bd-9975-b018e056a157" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeTable_c1a05bfd-617b-46df-be6e-fb2ed8be6bdd" xlink:to="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeLineItems_909bb04f-a99e-44bd-9975-b018e056a157" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized_4f641da5-1900-44fe-ae7a-1e0f2373b776" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeLineItems_909bb04f-a99e-44bd-9975-b018e056a157" xlink:to="loc_us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized_4f641da5-1900-44fe-ae7a-1e0f2373b776" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_4bf0114c-8faf-430a-a473-ede94b230176" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CustomerSecuritiesForWhichEntityHasRightToSellOrRepledgeLineItems_909bb04f-a99e-44bd-9975-b018e056a157" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_4bf0114c-8faf-430a-a473-ede94b230176" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/LOANSScheduleofLoansHeldforSaleDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#LOANSScheduleofLoansHeldforSaleDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/LOANSScheduleofLoansHeldforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_2ed4e5cf-ba38-4066-bbe5-1312a42838f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_289bc707-84da-4852-9e0b-4eaf7a4a10eb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_2ed4e5cf-ba38-4066-bbe5-1312a42838f3" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_289bc707-84da-4852-9e0b-4eaf7a4a10eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3550e8ce-84a2-4a67-bd49-50ae2acba35b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_289bc707-84da-4852-9e0b-4eaf7a4a10eb" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3550e8ce-84a2-4a67-bd49-50ae2acba35b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_904965f1-29f8-4d87-83cb-a44ffefb0611" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3550e8ce-84a2-4a67-bd49-50ae2acba35b" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_904965f1-29f8-4d87-83cb-a44ffefb0611" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_2e108965-3169-4376-b13b-ee59dcb86cd4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_904965f1-29f8-4d87-83cb-a44ffefb0611" xlink:to="loc_us-gaap_HomeEquityMember_2e108965-3169-4376-b13b-ee59dcb86cd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_PersonalLoansMember_fc2f3d3d-7314-431b-8cda-b8f35bca2701" xlink:href="figr-20250930.xsd#figr_PersonalLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_904965f1-29f8-4d87-83cb-a44ffefb0611" xlink:to="loc_figr_PersonalLoansMember_fc2f3d3d-7314-431b-8cda-b8f35bca2701" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OtherLoansMember_9e9c7a17-4129-4286-a28c-00206760f242" xlink:href="figr-20250930.xsd#figr_OtherLoansMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_904965f1-29f8-4d87-83cb-a44ffefb0611" xlink:to="loc_figr_OtherLoansMember_9e9c7a17-4129-4286-a28c-00206760f242" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_5cc6464a-b768-41b0-ac2e-dbbcf9e59991" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_289bc707-84da-4852-9e0b-4eaf7a4a10eb" xlink:to="loc_us-gaap_FinancialInstrumentAxis_5cc6464a-b768-41b0-ac2e-dbbcf9e59991" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_112cae1b-97a0-47a8-b5a7-056d175559b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_5cc6464a-b768-41b0-ac2e-dbbcf9e59991" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_112cae1b-97a0-47a8-b5a7-056d175559b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForSaleMember_5f9c2b23-46ef-475b-85f6-71b2fbe7baa0" xlink:href="figr-20250930.xsd#figr_LoansHeldForSaleMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_112cae1b-97a0-47a8-b5a7-056d175559b1" xlink:to="loc_figr_LoansHeldForSaleMember_5f9c2b23-46ef-475b-85f6-71b2fbe7baa0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_1b51457e-b334-497c-a56a-63c221769ba1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_289bc707-84da-4852-9e0b-4eaf7a4a10eb" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_1b51457e-b334-497c-a56a-63c221769ba1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_f0cabe2d-0f5f-4d60-ac5b-57208ee9e504" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_1b51457e-b334-497c-a56a-63c221769ba1" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_f0cabe2d-0f5f-4d60-ac5b-57208ee9e504" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_bdf76bfe-8495-4301-ae21-b518ac93fffc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_1b51457e-b334-497c-a56a-63c221769ba1" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_bdf76bfe-8495-4301-ae21-b518ac93fffc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForSaleNumberOfLoans_3f16d26e-23a5-479e-a692-f48a7e4e56fd" xlink:href="figr-20250930.xsd#figr_LoansHeldForSaleNumberOfLoans"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_1b51457e-b334-497c-a56a-63c221769ba1" xlink:to="loc_figr_LoansHeldForSaleNumberOfLoans_3f16d26e-23a5-479e-a692-f48a7e4e56fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/LOANSNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#LOANSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/LOANSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_6396d696-8f9a-43b2-9719-766e1e858f77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_ab59d53f-b296-43bc-830a-e870fddfb0fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_6396d696-8f9a-43b2-9719-766e1e858f77" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_ab59d53f-b296-43bc-830a-e870fddfb0fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_c36cd770-ef27-4052-9f23-e344bafd20fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_ab59d53f-b296-43bc-830a-e870fddfb0fc" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_c36cd770-ef27-4052-9f23-e344bafd20fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_2e1b3d13-bdd4-4a37-94a7-ff279b441ebc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_c36cd770-ef27-4052-9f23-e344bafd20fd" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_2e1b3d13-bdd4-4a37-94a7-ff279b441ebc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableBenchmarkMember_6b14165f-b3f7-44f1-aeb4-52b57322003c" xlink:href="figr-20250930.xsd#figr_FinancingReceivableBenchmarkMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_2e1b3d13-bdd4-4a37-94a7-ff279b441ebc" xlink:to="loc_figr_FinancingReceivableBenchmarkMember_6b14165f-b3f7-44f1-aeb4-52b57322003c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesRevenueNetMember_99d5005b-f795-4f39-bdf4-d98f0f20eb3f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SalesRevenueNetMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_2e1b3d13-bdd4-4a37-94a7-ff279b441ebc" xlink:to="loc_us-gaap_SalesRevenueNetMember_99d5005b-f795-4f39-bdf4-d98f0f20eb3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_5d4dd714-ed32-4faa-9a6e-e83583e0f687" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_ab59d53f-b296-43bc-830a-e870fddfb0fc" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_5d4dd714-ed32-4faa-9a6e-e83583e0f687" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_12cfc208-efeb-4630-a15c-6e30e2aab646" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_5d4dd714-ed32-4faa-9a6e-e83583e0f687" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_12cfc208-efeb-4630-a15c-6e30e2aab646" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoanOriginationsRiskMember_499e598b-fba8-458f-92f4-6b477373be69" xlink:href="figr-20250930.xsd#figr_LoanOriginationsRiskMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_12cfc208-efeb-4630-a15c-6e30e2aab646" xlink:to="loc_figr_LoanOriginationsRiskMember_499e598b-fba8-458f-92f4-6b477373be69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerConcentrationRiskMember_d65de2c5-e89a-406d-b90e-d89d33411d9e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CustomerConcentrationRiskMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_12cfc208-efeb-4630-a15c-6e30e2aab646" xlink:to="loc_us-gaap_CustomerConcentrationRiskMember_d65de2c5-e89a-406d-b90e-d89d33411d9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MajorCustomersAxis_a05ebe6f-45bf-404f-af9b-2ecf16898efe" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MajorCustomersAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_ab59d53f-b296-43bc-830a-e870fddfb0fc" xlink:to="loc_srt_MajorCustomersAxis_a05ebe6f-45bf-404f-af9b-2ecf16898efe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_6103e57b-50f3-4f6e-8222-c202c2845cc2" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_MajorCustomersAxis_a05ebe6f-45bf-404f-af9b-2ecf16898efe" xlink:to="loc_srt_NameOfMajorCustomerDomain_6103e57b-50f3-4f6e-8222-c202c2845cc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_TopFiveOriginatorsMember_e2d2b6c2-61af-4c25-9242-fcdeb173a424" xlink:href="figr-20250930.xsd#figr_TopFiveOriginatorsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_6103e57b-50f3-4f6e-8222-c202c2845cc2" xlink:to="loc_figr_TopFiveOriginatorsMember_e2d2b6c2-61af-4c25-9242-fcdeb173a424" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_TopFiveLoanPurchasersMember_310dc7a5-81a1-4be4-b2f3-0fc3bb5c40c9" xlink:href="figr-20250930.xsd#figr_TopFiveLoanPurchasersMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_6103e57b-50f3-4f6e-8222-c202c2845cc2" xlink:to="loc_figr_TopFiveLoanPurchasersMember_310dc7a5-81a1-4be4-b2f3-0fc3bb5c40c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_b46dd653-082e-47ee-86e1-5fa66cc7cbdd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_ab59d53f-b296-43bc-830a-e870fddfb0fc" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_b46dd653-082e-47ee-86e1-5fa66cc7cbdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableHeldForSaleNonaccrual_2eb448b1-b5dd-4048-9461-6cdf3cfc86d5" xlink:href="figr-20250930.xsd#figr_FinancingReceivableHeldForSaleNonaccrual"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_b46dd653-082e-47ee-86e1-5fa66cc7cbdd" xlink:to="loc_figr_FinancingReceivableHeldForSaleNonaccrual_2eb448b1-b5dd-4048-9461-6cdf3cfc86d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatus_53cef4c9-f5ea-4907-8473-e386da8fd134" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatus"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_b46dd653-082e-47ee-86e1-5fa66cc7cbdd" xlink:to="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatus_53cef4c9-f5ea-4907-8473-e386da8fd134" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_PrincipalAmountOutstandingOnLoansOriginated_e408a019-847a-4723-aad8-fe3b3edf2f97" xlink:href="figr-20250930.xsd#figr_PrincipalAmountOutstandingOnLoansOriginated"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_b46dd653-082e-47ee-86e1-5fa66cc7cbdd" xlink:to="loc_figr_PrincipalAmountOutstandingOnLoansOriginated_e408a019-847a-4723-aad8-fe3b3edf2f97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_192db820-673d-408e-8ca7-38ad29e48c48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_b46dd653-082e-47ee-86e1-5fa66cc7cbdd" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_192db820-673d-408e-8ca7-38ad29e48c48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_PrincipalAmountOutstandingOnLoansPurchased_4a475402-4e15-4382-9168-610229140574" xlink:href="figr-20250930.xsd#figr_PrincipalAmountOutstandingOnLoansPurchased"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_b46dd653-082e-47ee-86e1-5fa66cc7cbdd" xlink:to="loc_figr_PrincipalAmountOutstandingOnLoansPurchased_4a475402-4e15-4382-9168-610229140574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized_dc51de02-7005-46a3-afaf-5b266056af2a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrincipalAmountOutstandingOnLoansSecuritized"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_b46dd653-082e-47ee-86e1-5fa66cc7cbdd" xlink:to="loc_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized_dc51de02-7005-46a3-afaf-5b266056af2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/LOANSScheduleofPastDueAggregateCarryingValueofLoansHeldDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#LOANSScheduleofPastDueAggregateCarryingValueofLoansHeldDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/LOANSScheduleofPastDueAggregateCarryingValueofLoansHeldDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_2a310f8f-0ba2-4019-8e5b-353bfb55514d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_60212508-c365-4857-bb46-65ad4d991b77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_b8a45cf9-7d54-4d5f-a904-b2ead714336c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_60212508-c365-4857-bb46-65ad4d991b77" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_b8a45cf9-7d54-4d5f-a904-b2ead714336c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f9ec830e-5a00-4d24-a444-79d35298fcd4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_b8a45cf9-7d54-4d5f-a904-b2ead714336c" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f9ec830e-5a00-4d24-a444-79d35298fcd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_57758a50-b2b3-428d-82ac-af9a9fe9712c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f9ec830e-5a00-4d24-a444-79d35298fcd4" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_57758a50-b2b3-428d-82ac-af9a9fe9712c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_246dc311-6786-4f89-9945-9e084d16413b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f9ec830e-5a00-4d24-a444-79d35298fcd4" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_246dc311-6786-4f89-9945-9e084d16413b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_538c9e9f-47be-4f1e-b296-ad711ec18bbf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f9ec830e-5a00-4d24-a444-79d35298fcd4" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_538c9e9f-47be-4f1e-b296-ad711ec18bbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_b9fcafad-a8f3-404e-a4c9-453934c1d4db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f9ec830e-5a00-4d24-a444-79d35298fcd4" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_b9fcafad-a8f3-404e-a4c9-453934c1d4db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancialAssetForbearanceMember_8116a972-0937-40f9-b0f7-0c4f012b0eeb" xlink:href="figr-20250930.xsd#figr_FinancialAssetForbearanceMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f9ec830e-5a00-4d24-a444-79d35298fcd4" xlink:to="loc_figr_FinancialAssetForbearanceMember_8116a972-0937-40f9-b0f7-0c4f012b0eeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_bbdebc05-761b-4c76-a938-15a9ec981f92" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_60212508-c365-4857-bb46-65ad4d991b77" xlink:to="loc_us-gaap_FinancialInstrumentAxis_bbdebc05-761b-4c76-a938-15a9ec981f92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0205c21a-b320-4a30-b7ed-58543004c2e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_bbdebc05-761b-4c76-a938-15a9ec981f92" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0205c21a-b320-4a30-b7ed-58543004c2e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForSaleMember_8b78e593-57dd-4317-b756-a960838c1e84" xlink:href="figr-20250930.xsd#figr_LoansHeldForSaleMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0205c21a-b320-4a30-b7ed-58543004c2e3" xlink:to="loc_figr_LoansHeldForSaleMember_8b78e593-57dd-4317-b756-a960838c1e84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_9cc2b550-d1d3-4c84-9359-3ad105aa5aeb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_60212508-c365-4857-bb46-65ad4d991b77" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_9cc2b550-d1d3-4c84-9359-3ad105aa5aeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_b696e2d6-8e27-48f6-abad-cd1056989bd2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_9cc2b550-d1d3-4c84-9359-3ad105aa5aeb" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_b696e2d6-8e27-48f6-abad-cd1056989bd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_b0e563b2-b7ba-4c86-bba9-de08e3697fbd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_9cc2b550-d1d3-4c84-9359-3ad105aa5aeb" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_b0e563b2-b7ba-4c86-bba9-de08e3697fbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables_e4a7f897-80f6-4bb2-b542-b5b9a9a36d8c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_9cc2b550-d1d3-4c84-9359-3ad105aa5aeb" xlink:to="loc_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables_e4a7f897-80f6-4bb2-b542-b5b9a9a36d8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/LOANSScheduleofLoansHeldforSaleandOtherReceivablesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#LOANSScheduleofLoansHeldforSaleandOtherReceivablesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/LOANSScheduleofLoansHeldforSaleandOtherReceivablesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_52bdce1f-f196-4b15-8b79-03df158188cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:href="figr-20250930.xsd#figr_LoansHeldForSaleAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_52bdce1f-f196-4b15-8b79-03df158188cc" xlink:to="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_f0721327-cee8-48c3-9300-c7820550fd86" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_f0721327-cee8-48c3-9300-c7820550fd86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableHeldForSaleTransfersFromHeldForInvestmentToHeldForSale_1f6c91c8-507f-416d-80a4-fb2f9f8d0966" xlink:href="figr-20250930.xsd#figr_FinancingReceivableHeldForSaleTransfersFromHeldForInvestmentToHeldForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_figr_FinancingReceivableHeldForSaleTransfersFromHeldForInvestmentToHeldForSale_1f6c91c8-507f-416d-80a4-fb2f9f8d0966" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleReconciliationToCashFlowAdditionsToHeldForSale_a2e026b9-1ea3-428b-865a-ed849f8e1b58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleReconciliationToCashFlowAdditionsToHeldForSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleReconciliationToCashFlowAdditionsToHeldForSale_a2e026b9-1ea3-428b-865a-ed849f8e1b58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableHeldForSaleOriginations_94e2efaa-f043-4676-ae21-159e108f546e" xlink:href="figr-20250930.xsd#figr_FinancingReceivableHeldForSaleOriginations"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_figr_FinancingReceivableHeldForSaleOriginations_94e2efaa-f043-4676-ae21-159e108f546e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleReconciliationToCashFlowDeductionsFromHeldForSale_f1a5a6cd-e401-4409-9baa-b1f1c54122b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleReconciliationToCashFlowDeductionsFromHeldForSale"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleReconciliationToCashFlowDeductionsFromHeldForSale_f1a5a6cd-e401-4409-9baa-b1f1c54122b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableHeldForSalePrincipalPayments_0feec846-a47e-4639-a716-b21565c57e5f" xlink:href="figr-20250930.xsd#figr_FinancingReceivableHeldForSalePrincipalPayments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_figr_FinancingReceivableHeldForSalePrincipalPayments_0feec846-a47e-4639-a716-b21565c57e5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableHeldForSaleChangeInFairValue_d61c934c-77db-43bf-b07c-3de28f486c08" xlink:href="figr-20250930.xsd#figr_FinancingReceivableHeldForSaleChangeInFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_figr_FinancingReceivableHeldForSaleChangeInFairValue_d61c934c-77db-43bf-b07c-3de28f486c08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableHeldForSaleLoansNotYetRepurchased_4d849555-9033-4aad-b86f-7f1359e3b418" xlink:href="figr-20250930.xsd#figr_FinancingReceivableHeldForSaleLoansNotYetRepurchased"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_figr_FinancingReceivableHeldForSaleLoansNotYetRepurchased_4d849555-9033-4aad-b86f-7f1359e3b418" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_699de89b-8f99-42f2-bfab-05984bfef3d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForSaleAbstract_07e136c4-8837-4076-8c57-11934ea62a68" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_699de89b-8f99-42f2-bfab-05984bfef3d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_52bdce1f-f196-4b15-8b79-03df158188cc" xlink:to="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentAtFairValue_87cb1ec7-6f7c-4c58-b2e5-fbd257a51b6b" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentAtFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentAtFairValue_87cb1ec7-6f7c-4c58-b2e5-fbd257a51b6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentTransfersFromHeldForInvestment_650e50bb-bdae-4926-83f2-6e0cea28a8fb" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentTransfersFromHeldForInvestment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentTransfersFromHeldForInvestment_650e50bb-bdae-4926-83f2-6e0cea28a8fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentPurchases_4d059030-1aa4-41a0-99b0-8f0429c6bd79" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentPurchases"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentPurchases_4d059030-1aa4-41a0-99b0-8f0429c6bd79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentOriginations_47778365-77ea-4c50-acb0-2e00fabed14c" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentOriginations"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentOriginations_47778365-77ea-4c50-acb0-2e00fabed14c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentSalesNetOfRepurchases_0dd35cf8-6d70-4cad-94e5-fa4749c4472a" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentSalesNetOfRepurchases"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentSalesNetOfRepurchases_0dd35cf8-6d70-4cad-94e5-fa4749c4472a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentPrincipalPayments_2abf620f-1651-46db-b02e-f7fb6e62a459" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentPrincipalPayments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentPrincipalPayments_2abf620f-1651-46db-b02e-f7fb6e62a459" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentChangeInFairValue_a93b0572-cd20-423a-9d35-af665d7ceedb" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentChangeInFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentChangeInFairValue_a93b0572-cd20-423a-9d35-af665d7ceedb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentLoansNotYetRepurchased_099f50d2-4a86-49f6-8c59-6c8b6200f892" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentLoansNotYetRepurchased"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentLoansNotYetRepurchased_099f50d2-4a86-49f6-8c59-6c8b6200f892" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoansHeldForInvestmentAtFairValue_83be7951-2a17-4a7b-8c18-f5d90a3b4619" xlink:href="figr-20250930.xsd#figr_LoansHeldForInvestmentAtFairValue"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_LoansHeldForInvestmentAbstract_5d9a8cee-8fb7-419c-b88d-90352adf671c" xlink:to="loc_figr_LoansHeldForInvestmentAtFairValue_83be7951-2a17-4a7b-8c18-f5d90a3b4619" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/DebtScheduleofDebtDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#DebtScheduleofDebtDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/DebtScheduleofDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_37b810c6-e0d0-471c-88a5-3c9018425259" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_2e5d6151-eeb7-4029-a39f-75624bb4d76c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_37b810c6-e0d0-471c-88a5-3c9018425259" xlink:to="loc_us-gaap_DebtInstrumentTable_2e5d6151-eeb7-4029-a39f-75624bb4d76c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_c3fa4d2c-0b3a-45bc-bd15-254c427aa79f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_2e5d6151-eeb7-4029-a39f-75624bb4d76c" xlink:to="loc_us-gaap_DebtInstrumentAxis_c3fa4d2c-0b3a-45bc-bd15-254c427aa79f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_c3fa4d2c-0b3a-45bc-bd15-254c427aa79f" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility1Member_13ae8bbf-ca9f-4698-9d78-ea7de88576ad" xlink:href="figr-20250930.xsd#figr_WarehouseFacility1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility1Member_13ae8bbf-ca9f-4698-9d78-ea7de88576ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility2Member_5356b7bd-2005-44e5-b9a8-6a9f6d2449be" xlink:href="figr-20250930.xsd#figr_WarehouseFacility2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility2Member_5356b7bd-2005-44e5-b9a8-6a9f6d2449be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility3Member_5503d6a6-d33d-47fa-a218-c10106a609fd" xlink:href="figr-20250930.xsd#figr_WarehouseFacility3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility3Member_5503d6a6-d33d-47fa-a218-c10106a609fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility4Member_8b6b6620-c41b-4d98-98b5-fa623236d0bf" xlink:href="figr-20250930.xsd#figr_WarehouseFacility4Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility4Member_8b6b6620-c41b-4d98-98b5-fa623236d0bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility5Member_a893a2a8-9388-4e2f-92b9-a6bcb38716ad" xlink:href="figr-20250930.xsd#figr_WarehouseFacility5Member"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility5Member_a893a2a8-9388-4e2f-92b9-a6bcb38716ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_REITWarehouseMember_66c7ef04-709b-4ae7-b749-cd200567c8be" xlink:href="figr-20250930.xsd#figr_REITWarehouseMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_REITWarehouseMember_66c7ef04-709b-4ae7-b749-cd200567c8be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility6Member_0cea6879-54e7-415b-b27d-10eb3bc206c4" xlink:href="figr-20250930.xsd#figr_WarehouseFacility6Member"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility6Member_0cea6879-54e7-415b-b27d-10eb3bc206c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility7Member_8b86bf69-2f67-4f30-a574-84fd44e463ff" xlink:href="figr-20250930.xsd#figr_WarehouseFacility7Member"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility7Member_8b86bf69-2f67-4f30-a574-84fd44e463ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility8Member_c34d0604-8d12-4eac-a381-58e2ff5733bc" xlink:href="figr-20250930.xsd#figr_WarehouseFacility8Member"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility8Member_c34d0604-8d12-4eac-a381-58e2ff5733bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility9Member_1946ad15-2ab6-4685-9664-0a585dc51cb5" xlink:href="figr-20250930.xsd#figr_WarehouseFacility9Member"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility9Member_1946ad15-2ab6-4685-9664-0a585dc51cb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility10Member_b62466f7-331a-4588-bad6-0e6fd78b70f4" xlink:href="figr-20250930.xsd#figr_WarehouseFacility10Member"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility10Member_b62466f7-331a-4588-bad6-0e6fd78b70f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility11Member_8c9b29f8-4295-4614-8755-088ecb5a028c" xlink:href="figr-20250930.xsd#figr_WarehouseFacility11Member"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_WarehouseFacility11Member_8c9b29f8-4295-4614-8755-088ecb5a028c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DigitalAssetLoanFacilityMember_5743d84a-be3b-4720-ac23-33287f09da26" xlink:href="figr-20250930.xsd#figr_DigitalAssetLoanFacilityMember"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_DigitalAssetLoanFacilityMember_5743d84a-be3b-4720-ac23-33287f09da26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_Lender1Member_fbd79c43-aefe-4ce8-9986-b394c23ecec9" xlink:href="figr-20250930.xsd#figr_Lender1Member"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_Lender1Member_fbd79c43-aefe-4ce8-9986-b394c23ecec9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RetainedInterestFacilityMember_a20a6042-50d9-4b38-a9e2-bfe0c76a2cbf" xlink:href="figr-20250930.xsd#figr_RetainedInterestFacilityMember"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_RetainedInterestFacilityMember_a20a6042-50d9-4b38-a9e2-bfe0c76a2cbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FCCCertificatesMember_33911256-ad04-4190-b35c-40fda77d7713" xlink:href="figr-20250930.xsd#figr_FCCCertificatesMember"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_FCCCertificatesMember_33911256-ad04-4190-b35c-40fda77d7713" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DemocratizedPrimeYLDSDebtMember_10d87fe1-21bc-42f4-abff-0f3f0cffed9f" xlink:href="figr-20250930.xsd#figr_DemocratizedPrimeYLDSDebtMember"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c7df386d-f29c-4ca1-8a75-67a61af0af1c" xlink:to="loc_figr_DemocratizedPrimeYLDSDebtMember_10d87fe1-21bc-42f4-abff-0f3f0cffed9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_994f555c-f5d1-4c3a-8914-68a037323542" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_2e5d6151-eeb7-4029-a39f-75624bb4d76c" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_994f555c-f5d1-4c3a-8914-68a037323542" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_ae56f6d5-0f12-4963-9740-df13f1d4730e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_994f555c-f5d1-4c3a-8914-68a037323542" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_ae56f6d5-0f12-4963-9740-df13f1d4730e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FundingDebtMember_38f11648-d789-46ca-9b9f-5341b74ef453" xlink:href="figr-20250930.xsd#figr_FundingDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_ae56f6d5-0f12-4963-9740-df13f1d4730e" xlink:to="loc_figr_FundingDebtMember_38f11648-d789-46ca-9b9f-5341b74ef453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MSRFinancingMember_f70d1661-9c7f-431c-990f-33d42229971e" xlink:href="figr-20250930.xsd#figr_MSRFinancingMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_ae56f6d5-0f12-4963-9740-df13f1d4730e" xlink:to="loc_figr_MSRFinancingMember_f70d1661-9c7f-431c-990f-33d42229971e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancedRetainedInterestsMember_b941f8fd-2ca5-4cf2-9c3c-cf661d22db3b" xlink:href="figr-20250930.xsd#figr_FinancedRetainedInterestsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_ae56f6d5-0f12-4963-9740-df13f1d4730e" xlink:to="loc_figr_FinancedRetainedInterestsMember_b941f8fd-2ca5-4cf2-9c3c-cf661d22db3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_5a01eaad-d5e9-44db-8572-bd8987f57e84" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_2e5d6151-eeb7-4029-a39f-75624bb4d76c" xlink:to="loc_srt_RangeAxis_5a01eaad-d5e9-44db-8572-bd8987f57e84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_c8c011d3-a2ca-45af-89e4-a113020bf436" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_5a01eaad-d5e9-44db-8572-bd8987f57e84" xlink:to="loc_srt_RangeMember_c8c011d3-a2ca-45af-89e4-a113020bf436" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_0d5a22df-ad2c-4520-b942-4b2315157941" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_c8c011d3-a2ca-45af-89e4-a113020bf436" xlink:to="loc_srt_MinimumMember_0d5a22df-ad2c-4520-b942-4b2315157941" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_cebb6f0b-83fa-42d8-9276-4aac90f257b3" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_c8c011d3-a2ca-45af-89e4-a113020bf436" xlink:to="loc_srt_MaximumMember_cebb6f0b-83fa-42d8-9276-4aac90f257b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_2e5d6151-eeb7-4029-a39f-75624bb4d76c" xlink:to="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_d55f6655-15bb-4db6-9b16-cfdfed88c311" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_d55f6655-15bb-4db6-9b16-cfdfed88c311" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_14bbca76-8c6c-469a-9433-581cf79a47d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_14bbca76-8c6c-469a-9433-581cf79a47d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LongTermDebtExcludingDebtAtFairValue_1fd2ee0e-1bb7-4668-ad4f-8a0ff3bab549" xlink:href="figr-20250930.xsd#figr_LongTermDebtExcludingDebtAtFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_LongTermDebtExcludingDebtAtFairValue_1fd2ee0e-1bb7-4668-ad4f-8a0ff3bab549" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LongTermDebtCurrentFairValue_ca5e709a-8980-45b7-bb65-3de96517da06" xlink:href="figr-20250930.xsd#figr_LongTermDebtCurrentFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_LongTermDebtCurrentFairValue_ca5e709a-8980-45b7-bb65-3de96517da06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_10981eb5-7264-4baf-9054-83663f3e6665" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_LongTermDebt_10981eb5-7264-4baf-9054-83663f3e6665" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtWeightedAverageInterestRate_206eb697-7ea8-48ca-8cf2-bc8a09e284c8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtWeightedAverageInterestRate"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_DebtWeightedAverageInterestRate_206eb697-7ea8-48ca-8cf2-bc8a09e284c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCollateralAmount_e313a041-36f2-46bc-955f-85e4d02bbc36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCollateralAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_DebtInstrumentCollateralAmount_e313a041-36f2-46bc-955f-85e4d02bbc36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_6907e44a-1c5c-493c-8054-ae7da0a98c43" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_6907e44a-1c5c-493c-8054-ae7da0a98c43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentQuarterlyVariableExitFeeBasisFirstPrincipalBalanceRepurchasedAmount_308a4b4c-48b5-4e9f-8915-f5a33dc0cdef" xlink:href="figr-20250930.xsd#figr_DebtInstrumentQuarterlyVariableExitFeeBasisFirstPrincipalBalanceRepurchasedAmount"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_DebtInstrumentQuarterlyVariableExitFeeBasisFirstPrincipalBalanceRepurchasedAmount_308a4b4c-48b5-4e9f-8915-f5a33dc0cdef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentRepurchaseExitFeePercentage_ef1bdc00-0e2d-4030-8eec-e2485b2799f2" xlink:href="figr-20250930.xsd#figr_DebtInstrumentRepurchaseExitFeePercentage"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_DebtInstrumentRepurchaseExitFeePercentage_ef1bdc00-0e2d-4030-8eec-e2485b2799f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentVariableExitFeeBasisPrincipalBalanceRepurchasedExceedingAmount_9617611a-9db7-4677-87ed-38e649a78cde" xlink:href="figr-20250930.xsd#figr_DebtInstrumentVariableExitFeeBasisPrincipalBalanceRepurchasedExceedingAmount"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_DebtInstrumentVariableExitFeeBasisPrincipalBalanceRepurchasedExceedingAmount_9617611a-9db7-4677-87ed-38e649a78cde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_24e9d15c-654d-4632-bae2-269c8155cc8a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_24e9d15c-654d-4632-bae2-269c8155cc8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodAmount_923937d2-78df-439a-b353-c8890a7a7a79" xlink:href="figr-20250930.xsd#figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodAmount"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodAmount_923937d2-78df-439a-b353-c8890a7a7a79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateDuringPeriod_f225c01c-c567-421e-9f36-0debe4b373fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_DebtInstrumentInterestRateDuringPeriod_f225c01c-c567-421e-9f36-0debe4b373fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodMaximumAmount_e03bcbb3-ab23-4fe2-9adf-9b4d1f4d637f" xlink:href="figr-20250930.xsd#figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodMaximumAmount"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_DebtInstrumentInterestRateBasisAveragePurchasedMortgageLoansDuringPricingPeriodMaximumAmount_e03bcbb3-ab23-4fe2-9adf-9b4d1f4d637f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentExitFeeRepurchasedNonSecuritizedLoanAmountMaximum_0897f573-266d-4b8a-b829-010864eabc6c" xlink:href="figr-20250930.xsd#figr_DebtInstrumentExitFeeRepurchasedNonSecuritizedLoanAmountMaximum"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_DebtInstrumentExitFeeRepurchasedNonSecuritizedLoanAmountMaximum_0897f573-266d-4b8a-b829-010864eabc6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_1a22c10e-92fc-451a-a9f7-3cdd88568d33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_1a22c10e-92fc-451a-a9f7-3cdd88568d33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_67b01181-9066-40cd-9e79-ad3f1609d7d1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_67b01181-9066-40cd-9e79-ad3f1609d7d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentMaturityPeriod_8d90f6f3-9c97-4203-8f60-7e5bbae43379" xlink:href="figr-20250930.xsd#figr_DebtInstrumentMaturityPeriod"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_figr_DebtInstrumentMaturityPeriod_8d90f6f3-9c97-4203-8f60-7e5bbae43379" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtWeightedAverageInterestRateOverTime_a6db52ba-eb98-40bf-8838-fe9df2de13d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtWeightedAverageInterestRateOverTime"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6fdc7822-23ca-4578-849b-f8f6c4523d54" xlink:to="loc_us-gaap_LongTermDebtWeightedAverageInterestRateOverTime_a6db52ba-eb98-40bf-8838-fe9df2de13d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/DebtContractualMaturitiesofRecourseandNonrecourseDebtObligationsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#DebtContractualMaturitiesofRecourseandNonrecourseDebtObligationsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/DebtContractualMaturitiesofRecourseandNonrecourseDebtObligationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_7ec2d6c5-b57f-4500-aa7b-939591c96b8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6a7a3483-1c32-4af6-9560-fd56bb0f027a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7ec2d6c5-b57f-4500-aa7b-939591c96b8d" xlink:to="loc_us-gaap_DebtInstrumentTable_6a7a3483-1c32-4af6-9560-fd56bb0f027a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_d8da80cb-7de7-470f-9519-6d7fe79f27cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6a7a3483-1c32-4af6-9560-fd56bb0f027a" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_d8da80cb-7de7-470f-9519-6d7fe79f27cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_65559b8e-e5f3-4499-a869-880f3250f82d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_d8da80cb-7de7-470f-9519-6d7fe79f27cf" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_65559b8e-e5f3-4499-a869-880f3250f82d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RecourseDebtMember_e7ffbf68-06f2-435e-9b5f-ec97b01b36f2" xlink:href="figr-20250930.xsd#figr_RecourseDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_65559b8e-e5f3-4499-a869-880f3250f82d" xlink:to="loc_figr_RecourseDebtMember_e7ffbf68-06f2-435e-9b5f-ec97b01b36f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_NonrecourseDebtMember_dda8c7af-a630-438a-ab64-ab165643458b" xlink:href="figr-20250930.xsd#figr_NonrecourseDebtMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_65559b8e-e5f3-4499-a869-880f3250f82d" xlink:to="loc_figr_NonrecourseDebtMember_dda8c7af-a630-438a-ab64-ab165643458b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6a7a3483-1c32-4af6-9560-fd56bb0f027a" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_2e071f4f-0019-41a1-9b48-cd51d0b0429f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_2e071f4f-0019-41a1-9b48-cd51d0b0429f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_010eaaa9-41d0-4796-8e7e-347e5c7c1d2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_010eaaa9-41d0-4796-8e7e-347e5c7c1d2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_3021efe7-8833-419a-b362-b915cbbd9ca5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_3021efe7-8833-419a-b362-b915cbbd9ca5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_22fc8083-5ab9-48d4-8cb3-2e4fd2108529" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_22fc8083-5ab9-48d4-8cb3-2e4fd2108529" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_697d375b-8c3c-46af-b76e-93e7fcf52da3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_697d375b-8c3c-46af-b76e-93e7fcf52da3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LongTermDebtMaturityYearFourThereafter_4f065a96-1381-482d-9de5-8b5f581357fd" xlink:href="figr-20250930.xsd#figr_LongTermDebtMaturityYearFourThereafter"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:to="loc_figr_LongTermDebtMaturityYearFourThereafter_4f065a96-1381-482d-9de5-8b5f581357fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_0e35cf7e-a36f-4495-87e2-5b0441189211" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_63171605-de34-46db-9b99-4006c113832f" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_0e35cf7e-a36f-4495-87e2-5b0441189211" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/DebtBorrowingCapacityofCommittedDebtFacilitiesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#DebtBorrowingCapacityofCommittedDebtFacilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/DebtBorrowingCapacityofCommittedDebtFacilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_25e3d594-c0b1-4ca2-8b57-5c0d94f7229e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_72010174-82c5-448e-a4bf-a223b5ae7c16" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_25e3d594-c0b1-4ca2-8b57-5c0d94f7229e" xlink:to="loc_us-gaap_DebtInstrumentTable_72010174-82c5-448e-a4bf-a223b5ae7c16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_1ffbca9b-7880-4193-8cde-42e13127779f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_72010174-82c5-448e-a4bf-a223b5ae7c16" xlink:to="loc_us-gaap_DebtInstrumentAxis_1ffbca9b-7880-4193-8cde-42e13127779f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_1ffbca9b-7880-4193-8cde-42e13127779f" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility1Member_e1886067-164e-47a7-b09a-9915821b55d6" xlink:href="figr-20250930.xsd#figr_WarehouseFacility1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility1Member_e1886067-164e-47a7-b09a-9915821b55d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility2Member_08105bca-194e-48fc-bd8c-d43fe3b6910e" xlink:href="figr-20250930.xsd#figr_WarehouseFacility2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility2Member_08105bca-194e-48fc-bd8c-d43fe3b6910e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility3Member_04dd4c5a-4aab-4f63-9c48-3bf908e9f80d" xlink:href="figr-20250930.xsd#figr_WarehouseFacility3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility3Member_04dd4c5a-4aab-4f63-9c48-3bf908e9f80d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility4Member_92fac560-fb22-4e26-941a-d4754a80e264" xlink:href="figr-20250930.xsd#figr_WarehouseFacility4Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility4Member_92fac560-fb22-4e26-941a-d4754a80e264" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_REITWarehouseMember_989b9af7-5ac6-4261-9b15-32493c32f9be" xlink:href="figr-20250930.xsd#figr_REITWarehouseMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_REITWarehouseMember_989b9af7-5ac6-4261-9b15-32493c32f9be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility6Member_0a748d8c-eb4b-426f-9594-16de3ce57c0c" xlink:href="figr-20250930.xsd#figr_WarehouseFacility6Member"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility6Member_0a748d8c-eb4b-426f-9594-16de3ce57c0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility7Member_2aaddc25-d44c-47e7-8522-22c8103e710e" xlink:href="figr-20250930.xsd#figr_WarehouseFacility7Member"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility7Member_2aaddc25-d44c-47e7-8522-22c8103e710e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility8Member_86f3d1e4-bd19-47e1-a1c8-b653220b90cd" xlink:href="figr-20250930.xsd#figr_WarehouseFacility8Member"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility8Member_86f3d1e4-bd19-47e1-a1c8-b653220b90cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility9Member_dd685d94-55e9-474b-9168-f65b2423739b" xlink:href="figr-20250930.xsd#figr_WarehouseFacility9Member"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility9Member_dd685d94-55e9-474b-9168-f65b2423739b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility10Member_6fbcf428-4563-463d-b8b1-eb1bba782535" xlink:href="figr-20250930.xsd#figr_WarehouseFacility10Member"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility10Member_6fbcf428-4563-463d-b8b1-eb1bba782535" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility11Member_567803a3-c418-4778-9e67-8413974b8724" xlink:href="figr-20250930.xsd#figr_WarehouseFacility11Member"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_WarehouseFacility11Member_567803a3-c418-4778-9e67-8413974b8724" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DigitalAssetLoanFacilityMember_7afcd6d1-b22b-4fbe-9187-544b356813c8" xlink:href="figr-20250930.xsd#figr_DigitalAssetLoanFacilityMember"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_DigitalAssetLoanFacilityMember_7afcd6d1-b22b-4fbe-9187-544b356813c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_Lender1Member_7fdd806f-c05c-4faa-ab0c-8d1d323598ca" xlink:href="figr-20250930.xsd#figr_Lender1Member"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_Lender1Member_7fdd806f-c05c-4faa-ab0c-8d1d323598ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RetainedInterestFacilityMember_4397b4c1-7fbf-42dc-88be-4f12b4ca7540" xlink:href="figr-20250930.xsd#figr_RetainedInterestFacilityMember"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_d1c468e3-9ab3-4a32-9a7e-21baeef73dde" xlink:to="loc_figr_RetainedInterestFacilityMember_4397b4c1-7fbf-42dc-88be-4f12b4ca7540" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_0c8c9f37-1263-4cb8-8f4a-68ed9c8b632f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_72010174-82c5-448e-a4bf-a223b5ae7c16" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_0c8c9f37-1263-4cb8-8f4a-68ed9c8b632f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_39fd5590-167e-45eb-9d34-c0d79b78828e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_0c8c9f37-1263-4cb8-8f4a-68ed9c8b632f" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_39fd5590-167e-45eb-9d34-c0d79b78828e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FundingDebtMember_3d86a3f0-a260-4ef0-b311-543a8fec781c" xlink:href="figr-20250930.xsd#figr_FundingDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_39fd5590-167e-45eb-9d34-c0d79b78828e" xlink:to="loc_figr_FundingDebtMember_3d86a3f0-a260-4ef0-b311-543a8fec781c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MSRFinancingMember_87765311-3efb-479e-b904-678926a035f6" xlink:href="figr-20250930.xsd#figr_MSRFinancingMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_39fd5590-167e-45eb-9d34-c0d79b78828e" xlink:to="loc_figr_MSRFinancingMember_87765311-3efb-479e-b904-678926a035f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancedRetainedInterestsMember_2b23ba83-91b3-424f-8d02-7e85f07f36c1" xlink:href="figr-20250930.xsd#figr_FinancedRetainedInterestsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_39fd5590-167e-45eb-9d34-c0d79b78828e" xlink:to="loc_figr_FinancedRetainedInterestsMember_2b23ba83-91b3-424f-8d02-7e85f07f36c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_58a8fc14-b980-48b0-bb48-8bd8132dd6d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_72010174-82c5-448e-a4bf-a223b5ae7c16" xlink:to="loc_us-gaap_DebtInstrumentLineItems_58a8fc14-b980-48b0-bb48-8bd8132dd6d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_2b874309-9b3d-4742-b5dc-96a1bfa5ffc3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_58a8fc14-b980-48b0-bb48-8bd8132dd6d9" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_2b874309-9b3d-4742-b5dc-96a1bfa5ffc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_9bb46427-497e-4399-9798-8f03d94258db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_58a8fc14-b980-48b0-bb48-8bd8132dd6d9" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_9bb46427-497e-4399-9798-8f03d94258db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_b6476679-e2a2-4021-b0a4-b369ab4ff7bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_58a8fc14-b980-48b0-bb48-8bd8132dd6d9" xlink:to="loc_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_b6476679-e2a2-4021-b0a4-b369ab4ff7bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/DebtNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#DebtNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/DebtNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_9e64a0a4-302b-4e91-a08e-05622c9861ac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_ce2ce0f5-edf7-4e6b-8d20-271df9417199" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_9e64a0a4-302b-4e91-a08e-05622c9861ac" xlink:to="loc_us-gaap_DebtInstrumentTable_ce2ce0f5-edf7-4e6b-8d20-271df9417199" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_ad7eaaf2-af00-4788-93c1-086afb09b0bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditFacilityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ce2ce0f5-edf7-4e6b-8d20-271df9417199" xlink:to="loc_us-gaap_CreditFacilityAxis_ad7eaaf2-af00-4788-93c1-086afb09b0bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_1fb8202d-fbc9-4dfc-9a02-4c94bb7b346c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditFacilityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_ad7eaaf2-af00-4788-93c1-086afb09b0bd" xlink:to="loc_us-gaap_CreditFacilityDomain_1fb8202d-fbc9-4dfc-9a02-4c94bb7b346c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_c75c1fb1-9ffa-4e56-9e9f-f92402cfd6d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_1fb8202d-fbc9-4dfc-9a02-4c94bb7b346c" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_c75c1fb1-9ffa-4e56-9e9f-f92402cfd6d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RevolvingCreditFacilityUpsizeOptionMember_f39e4943-8a64-45aa-9205-91189106453d" xlink:href="figr-20250930.xsd#figr_RevolvingCreditFacilityUpsizeOptionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_1fb8202d-fbc9-4dfc-9a02-4c94bb7b346c" xlink:to="loc_figr_RevolvingCreditFacilityUpsizeOptionMember_f39e4943-8a64-45aa-9205-91189106453d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_c4679444-935e-4b20-bdf3-972887d21d18" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ce2ce0f5-edf7-4e6b-8d20-271df9417199" xlink:to="loc_us-gaap_DebtInstrumentAxis_c4679444-935e-4b20-bdf3-972887d21d18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_c4679444-935e-4b20-bdf3-972887d21d18" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility2Member_b55865b7-84f6-4fd0-be7c-1b53302b1fdc" xlink:href="figr-20250930.xsd#figr_WarehouseFacility2Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_WarehouseFacility2Member_b55865b7-84f6-4fd0-be7c-1b53302b1fdc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility3Member_62b91ce6-2c53-4269-8959-78fa41c255cf" xlink:href="figr-20250930.xsd#figr_WarehouseFacility3Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_WarehouseFacility3Member_62b91ce6-2c53-4269-8959-78fa41c255cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility4Member_9dee3d97-d8b3-4294-8e08-b7bef8e3f493" xlink:href="figr-20250930.xsd#figr_WarehouseFacility4Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_WarehouseFacility4Member_9dee3d97-d8b3-4294-8e08-b7bef8e3f493" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_REITWarehouseMember_a791b9d8-d154-45b9-9522-3a56caae911d" xlink:href="figr-20250930.xsd#figr_REITWarehouseMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_REITWarehouseMember_a791b9d8-d154-45b9-9522-3a56caae911d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MSRFinancingMember_e9846779-937f-4163-988f-30e8cd1216d2" xlink:href="figr-20250930.xsd#figr_MSRFinancingMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_MSRFinancingMember_e9846779-937f-4163-988f-30e8cd1216d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_Lender1Member_0dc10ac7-5aa3-48d3-b1f1-f6e95f556191" xlink:href="figr-20250930.xsd#figr_Lender1Member"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_Lender1Member_0dc10ac7-5aa3-48d3-b1f1-f6e95f556191" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DigitalAssetLoanFacilityMember_bfebd863-c169-4bb6-81d4-14986bfd328d" xlink:href="figr-20250930.xsd#figr_DigitalAssetLoanFacilityMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_DigitalAssetLoanFacilityMember_bfebd863-c169-4bb6-81d4-14986bfd328d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility10Member_089e159a-d1ec-43b8-8867-cc6fc61d2b1f" xlink:href="figr-20250930.xsd#figr_WarehouseFacility10Member"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_WarehouseFacility10Member_089e159a-d1ec-43b8-8867-cc6fc61d2b1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_WarehouseFacility11Member_27a59715-43b4-4d84-860f-2fc86f43640a" xlink:href="figr-20250930.xsd#figr_WarehouseFacility11Member"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_WarehouseFacility11Member_27a59715-43b4-4d84-860f-2fc86f43640a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FCCCertificatesMember_573aea10-cf12-4390-8192-53e076b201f7" xlink:href="figr-20250930.xsd#figr_FCCCertificatesMember"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_FCCCertificatesMember_573aea10-cf12-4390-8192-53e076b201f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DemocratizedPrimeYLDSDebtMember_5694dcab-22e5-4b99-8cca-de9c9f98a1bc" xlink:href="figr-20250930.xsd#figr_DemocratizedPrimeYLDSDebtMember"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_00881b71-5074-4511-a16f-fdf7a1a800c2" xlink:to="loc_figr_DemocratizedPrimeYLDSDebtMember_5694dcab-22e5-4b99-8cca-de9c9f98a1bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_625a89f7-e820-4018-a77b-a23c48f51859" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ce2ce0f5-edf7-4e6b-8d20-271df9417199" xlink:to="loc_srt_RangeAxis_625a89f7-e820-4018-a77b-a23c48f51859" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_51799d47-bcce-4cec-8d24-7097adc501a1" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_625a89f7-e820-4018-a77b-a23c48f51859" xlink:to="loc_srt_RangeMember_51799d47-bcce-4cec-8d24-7097adc501a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_c4e5152b-9aa3-4a02-9002-d1843eec6b9e" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_51799d47-bcce-4cec-8d24-7097adc501a1" xlink:to="loc_srt_MinimumMember_c4e5152b-9aa3-4a02-9002-d1843eec6b9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_28db10b4-3995-4406-a556-4c2ae9f3d154" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_51799d47-bcce-4cec-8d24-7097adc501a1" xlink:to="loc_srt_MaximumMember_28db10b4-3995-4406-a556-4c2ae9f3d154" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_7e46a9f0-a43e-459f-b6eb-a450d16f492c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ce2ce0f5-edf7-4e6b-8d20-271df9417199" xlink:to="loc_us-gaap_StatementClassOfStockAxis_7e46a9f0-a43e-459f-b6eb-a450d16f492c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_bc7fd730-e022-4610-bdfb-296742d64d4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_7e46a9f0-a43e-459f-b6eb-a450d16f492c" xlink:to="loc_us-gaap_ClassOfStockDomain_bc7fd730-e022-4610-bdfb-296742d64d4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_36236137-406b-4230-a665-7332aaa54d42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_bc7fd730-e022-4610-bdfb-296742d64d4d" xlink:to="loc_us-gaap_CommonClassAMember_36236137-406b-4230-a665-7332aaa54d42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_00a19617-ee67-4ef3-a137-3ed389144df5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_bc7fd730-e022-4610-bdfb-296742d64d4d" xlink:to="loc_us-gaap_CommonClassBMember_00a19617-ee67-4ef3-a137-3ed389144df5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ce2ce0f5-edf7-4e6b-8d20-271df9417199" xlink:to="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_4bd6315a-5edc-44a2-89db-1664b580000f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_4bd6315a-5edc-44a2-89db-1664b580000f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_1f798333-3c0e-4e14-9ad9-370da688d6b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_1f798333-3c0e-4e14-9ad9-370da688d6b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LineOfCreditFacilityCommittedBorrowingCapacityAmount_a342c34d-e2d5-4100-9a78-7baa829785a8" xlink:href="figr-20250930.xsd#figr_LineOfCreditFacilityCommittedBorrowingCapacityAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_figr_LineOfCreditFacilityCommittedBorrowingCapacityAmount_a342c34d-e2d5-4100-9a78-7baa829785a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentExitFeePercentage_10e61571-d412-4085-a965-be8469896579" xlink:href="figr-20250930.xsd#figr_DebtInstrumentExitFeePercentage"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_figr_DebtInstrumentExitFeePercentage_10e61571-d412-4085-a965-be8469896579" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DebtInstrumentExitFeeAmountAnnualMaximum_95aed477-eeda-4bb7-902d-f70311c3b664" xlink:href="figr-20250930.xsd#figr_DebtInstrumentExitFeeAmountAnnualMaximum"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_figr_DebtInstrumentExitFeeAmountAnnualMaximum_95aed477-eeda-4bb7-902d-f70311c3b664" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmount_465ae80b-0735-4b66-871e-d1f3015dab6d" xlink:href="figr-20250930.xsd#figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmount_465ae80b-0735-4b66-871e-d1f3015dab6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmountPercentage_3cb68d8c-e82b-4272-8972-f290b90c8f00" xlink:href="figr-20250930.xsd#figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmountPercentage"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodGreaterThanOrEqualAmountPercentage_3cb68d8c-e82b-4272-8972-f290b90c8f00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanAmount_0020b041-7ba6-412b-b065-d54af2eb568e" xlink:href="figr-20250930.xsd#figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanAmount_0020b041-7ba6-412b-b065-d54af2eb568e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanPercenatge_6839fd52-314f-419b-a509-4f86b4d95747" xlink:href="figr-20250930.xsd#figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanPercenatge"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_figr_AggregateOutstandingPurchasePriceForMortgageLoansDuringPricePeriodLessThanPercenatge_6839fd52-314f-419b-a509-4f86b4d95747" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_a7b87e0c-aa59-4a2c-84c8-24895ab3b7bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f65612f-5dec-48bd-8c5d-137d73b9f344" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_a7b87e0c-aa59-4a2c-84c8-24895ab3b7bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYCompanysEquityInstrumentsNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYCompanysEquityInstrumentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYCompanysEquityInstrumentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_719bf7fa-2d32-4d52-ab0e-1cfa374358eb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_c6c1e15e-0758-4c04-9e9e-b22f5054ea55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_719bf7fa-2d32-4d52-ab0e-1cfa374358eb" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_c6c1e15e-0758-4c04-9e9e-b22f5054ea55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_465635bf-30f2-413d-9a69-17950dbc9b1c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_c6c1e15e-0758-4c04-9e9e-b22f5054ea55" xlink:to="loc_us-gaap_StatementClassOfStockAxis_465635bf-30f2-413d-9a69-17950dbc9b1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_651ce15e-7996-4d3b-b3f5-4f22b85b1670" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_465635bf-30f2-413d-9a69-17950dbc9b1c" xlink:to="loc_us-gaap_ClassOfStockDomain_651ce15e-7996-4d3b-b3f5-4f22b85b1670" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_feb72cfb-d87b-474a-a53f-8d6c6f8943bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_651ce15e-7996-4d3b-b3f5-4f22b85b1670" xlink:to="loc_us-gaap_CommonClassAMember_feb72cfb-d87b-474a-a53f-8d6c6f8943bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_66c36ffc-ec90-4dbc-b601-bd693eb32e47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_651ce15e-7996-4d3b-b3f5-4f22b85b1670" xlink:to="loc_us-gaap_CommonClassBMember_66c36ffc-ec90-4dbc-b601-bd693eb32e47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_BlockchainCommonStockMember_1b7c80c6-5821-43ac-ab24-4aae7427d7f0" xlink:href="figr-20250930.xsd#figr_BlockchainCommonStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_651ce15e-7996-4d3b-b3f5-4f22b85b1670" xlink:to="loc_figr_BlockchainCommonStockMember_1b7c80c6-5821-43ac-ab24-4aae7427d7f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_a31de3bf-2e03-4c1d-8d9f-c6a979919aff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_651ce15e-7996-4d3b-b3f5-4f22b85b1670" xlink:to="loc_us-gaap_PreferredStockMember_a31de3bf-2e03-4c1d-8d9f-c6a979919aff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis_fc48cf56-35ba-4d60-a8d6-ffcbe6fe966a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_c6c1e15e-0758-4c04-9e9e-b22f5054ea55" xlink:to="loc_us-gaap_SubsidiarySaleOfStockAxis_fc48cf56-35ba-4d60-a8d6-ffcbe6fe966a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_56c2b9db-2c24-42a5-996d-9212c81305bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_fc48cf56-35ba-4d60-a8d6-ffcbe6fe966a" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_56c2b9db-2c24-42a5-996d-9212c81305bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IPOMember_652f7457-1b26-415a-a8c7-ee22e4edc6e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IPOMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_56c2b9db-2c24-42a5-996d-9212c81305bf" xlink:to="loc_us-gaap_IPOMember_652f7457-1b26-415a-a8c7-ee22e4edc6e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualAxis_b5b97431-09f3-4977-a31a-6cda9dd13858" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_TitleOfIndividualAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_c6c1e15e-0758-4c04-9e9e-b22f5054ea55" xlink:to="loc_srt_TitleOfIndividualAxis_b5b97431-09f3-4977-a31a-6cda9dd13858" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_cd62916d-f597-4080-b57a-a23e38b60bfb" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_TitleOfIndividualWithRelationshipToEntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_TitleOfIndividualAxis_b5b97431-09f3-4977-a31a-6cda9dd13858" xlink:to="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_cd62916d-f597-4080-b57a-a23e38b60bfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ControllingPartyMember_5885c15c-aa8c-46fd-b1d3-dd34ddc1c0af" xlink:href="figr-20250930.xsd#figr_ControllingPartyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_cd62916d-f597-4080-b57a-a23e38b60bfb" xlink:to="loc_figr_ControllingPartyMember_5885c15c-aa8c-46fd-b1d3-dd34ddc1c0af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalUnitLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_c6c1e15e-0758-4c04-9e9e-b22f5054ea55" xlink:to="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_73b46ce9-b134-4162-97c5-31bda125a9df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:to="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_73b46ce9-b134-4162-97c5-31bda125a9df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockPricePerShare_d5284ed1-060b-4b9a-907d-7e3422304d6d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockPricePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:to="loc_us-gaap_SaleOfStockPricePerShare_d5284ed1-060b-4b9a-907d-7e3422304d6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_cabfd8ae-8852-495d-af33-e8f11162154d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_cabfd8ae-8852-495d-af33-e8f11162154d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_377bba9d-2b9b-47c4-ab2c-3abc17ebdd86" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_377bba9d-2b9b-47c4-ab2c-3abc17ebdd86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConversionOfStockSharesConverted1_989c79ed-a456-4c93-a187-d8c0bf46ec75" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConversionOfStockSharesConverted1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:to="loc_us-gaap_ConversionOfStockSharesConverted1_989c79ed-a456-4c93-a187-d8c0bf46ec75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_NumberOfVotesForEachShareOfCommonStockHeld_ab879845-94a8-4464-9567-c50d12e4cd32" xlink:href="figr-20250930.xsd#figr_NumberOfVotesForEachShareOfCommonStockHeld"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:to="loc_figr_NumberOfVotesForEachShareOfCommonStockHeld_ab879845-94a8-4464-9567-c50d12e4cd32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_d2cd91ba-f812-41a0-8a97-1301e8e37580" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalUnitLineItems_13320930-f1aa-4f31-90b0-a831a399c4da" xlink:to="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_d2cd91ba-f812-41a0-8a97-1301e8e37580" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYCompanysEquityInstrumentsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYCompanysEquityInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYCompanysEquityInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_dd2b9294-f7ee-47fc-9c37-be9e2444d32d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_912e216d-4517-4e96-9738-718109e2535e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_dd2b9294-f7ee-47fc-9c37-be9e2444d32d" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_912e216d-4517-4e96-9738-718109e2535e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_8a1ce797-2a44-4a46-bbd8-045ce549ea4a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_912e216d-4517-4e96-9738-718109e2535e" xlink:to="loc_us-gaap_StatementClassOfStockAxis_8a1ce797-2a44-4a46-bbd8-045ce549ea4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_8a1ce797-2a44-4a46-bbd8-045ce549ea4a" xlink:to="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_c043a309-e76a-453a-9f20-48f657001c86" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:to="loc_us-gaap_CommonClassAMember_c043a309-e76a-453a-9f20-48f657001c86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_3fba4043-68ac-4b84-b275-6a7977fb8198" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:to="loc_us-gaap_CommonClassBMember_3fba4043-68ac-4b84-b275-6a7977fb8198" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_6d8308e2-2388-4207-a7e5-ed8584fcacc7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:to="loc_us-gaap_CommonStockMember_6d8308e2-2388-4207-a7e5-ed8584fcacc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_BlockchainCommonStockMember_e03f7952-04b2-4aaa-88b9-f001d970d55e" xlink:href="figr-20250930.xsd#figr_BlockchainCommonStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:to="loc_figr_BlockchainCommonStockMember_e03f7952-04b2-4aaa-88b9-f001d970d55e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_f848f369-7cea-4ded-aad7-929b292e72a6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:to="loc_us-gaap_PreferredStockMember_f848f369-7cea-4ded-aad7-929b292e72a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockMember_2fee5a3b-450e-409e-9448-59cf75f68e2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredStockMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:to="loc_us-gaap_ConvertiblePreferredStockMember_2fee5a3b-450e-409e-9448-59cf75f68e2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CommonClassAAndClassBMember_ce502b72-2089-4ec3-ba8d-73fe41eac469" xlink:href="figr-20250930.xsd#figr_CommonClassAAndClassBMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:to="loc_figr_CommonClassAAndClassBMember_ce502b72-2089-4ec3-ba8d-73fe41eac469" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember_12b3f532-4d78-4f9f-a9ae-72da3a5dc8a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WarrantMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4617b8cf-f6c9-49a1-99f0-147561d98818" xlink:to="loc_us-gaap_WarrantMember_12b3f532-4d78-4f9f-a9ae-72da3a5dc8a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightAxis_8f6b631c-b4b1-4ee0-bef2-62c6a6212a9e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_912e216d-4517-4e96-9738-718109e2535e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightAxis_8f6b631c-b4b1-4ee0-bef2-62c6a6212a9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_a0f623b7-7842-47c9-9aad-6941f8526aec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_8f6b631c-b4b1-4ee0-bef2-62c6a6212a9e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_a0f623b7-7842-47c9-9aad-6941f8526aec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember_b4ccee97-9940-4f85-bba5-234a2a4e8997" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WarrantMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain_a0f623b7-7842-47c9-9aad-6941f8526aec" xlink:to="loc_us-gaap_WarrantMember_b4ccee97-9940-4f85-bba5-234a2a4e8997" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_7854286d-71ec-4fb5-a6ee-413a0487b843" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_912e216d-4517-4e96-9738-718109e2535e" xlink:to="loc_us-gaap_AwardTypeAxis_7854286d-71ec-4fb5-a6ee-413a0487b843" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_337c31fd-6a09-4f04-bf41-656411c9e4cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_7854286d-71ec-4fb5-a6ee-413a0487b843" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_337c31fd-6a09-4f04-bf41-656411c9e4cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_8bc44a45-5eb1-41de-ba43-cd186722cfb2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_337c31fd-6a09-4f04-bf41-656411c9e4cf" xlink:to="loc_us-gaap_EmployeeStockOptionMember_8bc44a45-5eb1-41de-ba43-cd186722cfb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_c239ae88-1124-49e2-8fea-28d0705404fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_337c31fd-6a09-4f04-bf41-656411c9e4cf" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_c239ae88-1124-49e2-8fea-28d0705404fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_05d2866a-5bd4-49d1-a777-901fa98c310a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_912e216d-4517-4e96-9738-718109e2535e" xlink:to="loc_us-gaap_ClassOfStockLineItems_05d2866a-5bd4-49d1-a777-901fa98c310a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensationNetofForfeituresAbstract_446cd777-8a15-4f83-a1a2-8dcbe00dfbd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensationNetofForfeituresAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_05d2866a-5bd4-49d1-a777-901fa98c310a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensationNetofForfeituresAbstract_446cd777-8a15-4f83-a1a2-8dcbe00dfbd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_4ec7f3b9-b706-449e-9dc8-8e9e0e05d3fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensationNetofForfeituresAbstract_446cd777-8a15-4f83-a1a2-8dcbe00dfbd9" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_4ec7f3b9-b706-449e-9dc8-8e9e0e05d3fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_43546a51-4adc-4fad-a6de-a54da8b7b54b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensationNetofForfeituresAbstract_446cd777-8a15-4f83-a1a2-8dcbe00dfbd9" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_43546a51-4adc-4fad-a6de-a54da8b7b54b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_TotalCommonStockAndPreferredStockSharesAuthorized_bae06bb4-439e-497e-ba54-8c2bfae59c5f" xlink:href="figr-20250930.xsd#figr_TotalCommonStockAndPreferredStockSharesAuthorized"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensationNetofForfeituresAbstract_446cd777-8a15-4f83-a1a2-8dcbe00dfbd9" xlink:to="loc_figr_TotalCommonStockAndPreferredStockSharesAuthorized_bae06bb4-439e-497e-ba54-8c2bfae59c5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockDividendsSharesAbstract_ae02ddc8-8ce7-4891-b0c8-7447548262bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockDividendsSharesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_05d2866a-5bd4-49d1-a777-901fa98c310a" xlink:to="loc_us-gaap_StockDividendsSharesAbstract_ae02ddc8-8ce7-4891-b0c8-7447548262bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_785d296e-4db8-4161-9b39-1ec8fc44357e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockDividendsSharesAbstract_ae02ddc8-8ce7-4891-b0c8-7447548262bb" xlink:to="loc_us-gaap_CommonStockSharesIssued_785d296e-4db8-4161-9b39-1ec8fc44357e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_dcca4759-3acf-4608-b989-07cc3e6cfd68" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockDividendsSharesAbstract_ae02ddc8-8ce7-4891-b0c8-7447548262bb" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_dcca4759-3acf-4608-b989-07cc3e6cfd68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_70a80a53-b4df-45bc-b8b2-1bb1388b2c1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockDividendsSharesAbstract_ae02ddc8-8ce7-4891-b0c8-7447548262bb" xlink:to="loc_us-gaap_PreferredStockSharesIssued_70a80a53-b4df-45bc-b8b2-1bb1388b2c1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_5e592573-e570-47a3-baba-b7a5d39efede" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockDividendsSharesAbstract_ae02ddc8-8ce7-4891-b0c8-7447548262bb" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_5e592573-e570-47a3-baba-b7a5d39efede" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_TotalCommonStockAndPreferredStockSharesIssued_da3d81e2-2c2d-41d3-bec7-d00b2cc09a3a" xlink:href="figr-20250930.xsd#figr_TotalCommonStockAndPreferredStockSharesIssued"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockDividendsSharesAbstract_ae02ddc8-8ce7-4891-b0c8-7447548262bb" xlink:to="loc_figr_TotalCommonStockAndPreferredStockSharesIssued_da3d81e2-2c2d-41d3-bec7-d00b2cc09a3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_TotalCommonStockAndPreferredStockSharesOutstanding_c0aa450f-ca7f-420a-97ff-d1667e1a680c" xlink:href="figr-20250930.xsd#figr_TotalCommonStockAndPreferredStockSharesOutstanding"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockDividendsSharesAbstract_ae02ddc8-8ce7-4891-b0c8-7447548262bb" xlink:to="loc_figr_TotalCommonStockAndPreferredStockSharesOutstanding_c0aa450f-ca7f-420a-97ff-d1667e1a680c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsNoteDisclosureAbstract_c7401c33-8c13-44df-b7f4-0f72c9503368" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WarrantsAndRightsNoteDisclosureAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_05d2866a-5bd4-49d1-a777-901fa98c310a" xlink:to="loc_us-gaap_WarrantsAndRightsNoteDisclosureAbstract_c7401c33-8c13-44df-b7f4-0f72c9503368" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightOutstanding_dcb07cfe-328c-4556-9825-6b8123517828" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WarrantsAndRightsNoteDisclosureAbstract_c7401c33-8c13-44df-b7f4-0f72c9503368" xlink:to="loc_us-gaap_ClassOfWarrantOrRightOutstanding_dcb07cfe-328c-4556-9825-6b8123517828" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OpenOptionContractWrittenAbstract_08f27754-2781-4a39-89fe-870eb81a763f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OpenOptionContractWrittenAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_05d2866a-5bd4-49d1-a777-901fa98c310a" xlink:to="loc_us-gaap_OpenOptionContractWrittenAbstract_08f27754-2781-4a39-89fe-870eb81a763f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_ceebc71f-fb09-479f-a9eb-3806367b3c6f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OpenOptionContractWrittenAbstract_08f27754-2781-4a39-89fe-870eb81a763f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_ceebc71f-fb09-479f-a9eb-3806367b3c6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RestrictedStockUnitsAbstract_b9a77871-a0a6-4c89-b0f4-98234da23872" xlink:href="figr-20250930.xsd#figr_RestrictedStockUnitsAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_05d2866a-5bd4-49d1-a777-901fa98c310a" xlink:to="loc_figr_RestrictedStockUnitsAbstract_b9a77871-a0a6-4c89-b0f4-98234da23872" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber_e49da8fd-50ad-48ea-b30b-1a6879f7c8a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_RestrictedStockUnitsAbstract_b9a77871-a0a6-4c89-b0f4-98234da23872" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber_e49da8fd-50ad-48ea-b30b-1a6879f7c8a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYCompanysEquityInstrumentsAdditionalDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYCompanysEquityInstrumentsAdditionalDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYCompanysEquityInstrumentsAdditionalDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_27f13428-bdb5-41db-a00d-bd3d93736148" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_49d1bea1-477e-4850-8fb0-4ee03cdded92" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_27f13428-bdb5-41db-a00d-bd3d93736148" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_49d1bea1-477e-4850-8fb0-4ee03cdded92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_e378afcd-a75a-47be-8606-cc405e27b283" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_49d1bea1-477e-4850-8fb0-4ee03cdded92" xlink:to="loc_us-gaap_StatementClassOfStockAxis_e378afcd-a75a-47be-8606-cc405e27b283" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_aa8fb72d-a70e-4158-8bc9-e3517c9bb6b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_e378afcd-a75a-47be-8606-cc405e27b283" xlink:to="loc_us-gaap_ClassOfStockDomain_aa8fb72d-a70e-4158-8bc9-e3517c9bb6b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_9deadd50-7a1d-42ae-bd23-e10a805d1bea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_aa8fb72d-a70e-4158-8bc9-e3517c9bb6b2" xlink:to="loc_us-gaap_CommonClassAMember_9deadd50-7a1d-42ae-bd23-e10a805d1bea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_c444eaf8-d9e3-4b61-90d8-ed31aa5137a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_aa8fb72d-a70e-4158-8bc9-e3517c9bb6b2" xlink:to="loc_us-gaap_CommonClassBMember_c444eaf8-d9e3-4b61-90d8-ed31aa5137a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_dfac4404-0892-452e-a11f-610f8b6f2735" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_aa8fb72d-a70e-4158-8bc9-e3517c9bb6b2" xlink:to="loc_us-gaap_CommonStockMember_dfac4404-0892-452e-a11f-610f8b6f2735" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockMember_d95ac04e-ba3b-415b-80e5-ae03c6fa01ac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_aa8fb72d-a70e-4158-8bc9-e3517c9bb6b2" xlink:to="loc_us-gaap_ConvertiblePreferredStockMember_d95ac04e-ba3b-415b-80e5-ae03c6fa01ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_90edcde6-6552-4c8f-8224-cc47f7d26fab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_49d1bea1-477e-4850-8fb0-4ee03cdded92" xlink:to="loc_us-gaap_ClassOfStockLineItems_90edcde6-6552-4c8f-8224-cc47f7d26fab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_5fe06a59-cad3-4d3a-9cc6-21fc234f1225" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_90edcde6-6552-4c8f-8224-cc47f7d26fab" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_5fe06a59-cad3-4d3a-9cc6-21fc234f1225" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_1843938f-5e5c-472b-9fae-3b15ef7bf3ee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_90edcde6-6552-4c8f-8224-cc47f7d26fab" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_1843938f-5e5c-472b-9fae-3b15ef7bf3ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYSeriesofConvertiblePreferredStockDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYSeriesofConvertiblePreferredStockDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYSeriesofConvertiblePreferredStockDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_57743bbe-8e00-4d14-acac-aa56752eee23" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_f731013d-1765-42ee-b03f-aeef4320608a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_57743bbe-8e00-4d14-acac-aa56752eee23" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_f731013d-1765-42ee-b03f-aeef4320608a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_60e6e2e2-9eb6-4217-b637-b09387f381c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_f731013d-1765-42ee-b03f-aeef4320608a" xlink:to="loc_us-gaap_StatementClassOfStockAxis_60e6e2e2-9eb6-4217-b637-b09387f381c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_60e6e2e2-9eb6-4217-b637-b09387f381c2" xlink:to="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SeriesSeedPreferredStockMember_ed45d34a-4a0b-4d35-9148-aac6248acf29" xlink:href="figr-20250930.xsd#figr_SeriesSeedPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_figr_SeriesSeedPreferredStockMember_ed45d34a-4a0b-4d35-9148-aac6248acf29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesAPreferredStockMember_7e3f319b-e981-4aa9-801b-59c64bda0330" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesAPreferredStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_us-gaap_SeriesAPreferredStockMember_7e3f319b-e981-4aa9-801b-59c64bda0330" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_0fc95826-2600-41a6-b6fc-85cc04e4f4aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_0fc95826-2600-41a6-b6fc-85cc04e4f4aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesCPreferredStockMember_57a2f91f-f7af-48d7-a3bb-061a05b99cda" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesCPreferredStockMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_us-gaap_SeriesCPreferredStockMember_57a2f91f-f7af-48d7-a3bb-061a05b99cda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SeriesC1PreferredStockMember_e8ebd5fa-8738-4b73-b3a8-c75ddebc3b99" xlink:href="figr-20250930.xsd#figr_SeriesC1PreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_figr_SeriesC1PreferredStockMember_e8ebd5fa-8738-4b73-b3a8-c75ddebc3b99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SeriesC2PreferredStockMember_dbbac476-0019-4cdd-b995-701a64aec3a8" xlink:href="figr-20250930.xsd#figr_SeriesC2PreferredStockMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_figr_SeriesC2PreferredStockMember_dbbac476-0019-4cdd-b995-701a64aec3a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesDPreferredStockMember_b1087d95-77a6-413a-83ef-6833c3505ec6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesDPreferredStockMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_us-gaap_SeriesDPreferredStockMember_b1087d95-77a6-413a-83ef-6833c3505ec6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_d5ed6feb-d001-4c06-9c52-c6d021165767" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_d5ed6feb-d001-4c06-9c52-c6d021165767" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockMember_2fad02b6-e601-481c-bdca-0149d1d4be3e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredStockMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_9a7d02a8-d829-4f65-a391-574eef4063b9" xlink:to="loc_us-gaap_ConvertiblePreferredStockMember_2fad02b6-e601-481c-bdca-0149d1d4be3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_292578d7-bc02-41b0-9d8b-d3ba205cce96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_f731013d-1765-42ee-b03f-aeef4320608a" xlink:to="loc_us-gaap_ClassOfStockLineItems_292578d7-bc02-41b0-9d8b-d3ba205cce96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_a8068aab-7218-4255-bcd1-c6dcc5a1c07b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_292578d7-bc02-41b0-9d8b-d3ba205cce96" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_a8068aab-7218-4255-bcd1-c6dcc5a1c07b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreferenceValue_7c3ab0f0-c59a-46cb-94ff-ef6b118c80b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockLiquidationPreferenceValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_292578d7-bc02-41b0-9d8b-d3ba205cce96" xlink:to="loc_us-gaap_PreferredStockLiquidationPreferenceValue_7c3ab0f0-c59a-46cb-94ff-ef6b118c80b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_d2484be3-699d-40dd-86fb-794d44365717" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_292578d7-bc02-41b0-9d8b-d3ba205cce96" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_d2484be3-699d-40dd-86fb-794d44365717" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePerDollarAmount_a3f9e872-8ff5-4b0a-8c67-f9f0039bbbb5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendRatePerDollarAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_292578d7-bc02-41b0-9d8b-d3ba205cce96" xlink:to="loc_us-gaap_PreferredStockDividendRatePerDollarAmount_a3f9e872-8ff5-4b0a-8c67-f9f0039bbbb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockConvertibleConversionPrice_104ec51a-0aa5-4c0a-bda3-a3912f42c8f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockConvertibleConversionPrice"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_292578d7-bc02-41b0-9d8b-d3ba205cce96" xlink:to="loc_us-gaap_PreferredStockConvertibleConversionPrice_104ec51a-0aa5-4c0a-bda3-a3912f42c8f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYWarrantsNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYWarrantsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYWarrantsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_536b5efa-c8f5-4d97-8e3a-3ceae8ef425d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightTable_23c4680f-3007-46d5-9d6e-1faf91b2bb6e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_536b5efa-c8f5-4d97-8e3a-3ceae8ef425d" xlink:to="loc_us-gaap_ClassOfWarrantOrRightTable_23c4680f-3007-46d5-9d6e-1faf91b2bb6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightAxis_59e8c01b-28bd-4785-9ed9-004557e0da33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightTable_23c4680f-3007-46d5-9d6e-1faf91b2bb6e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightAxis_59e8c01b-28bd-4785-9ed9-004557e0da33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_a609cfa3-1124-4ea5-951c-9580efdba3b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_59e8c01b-28bd-4785-9ed9-004557e0da33" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_a609cfa3-1124-4ea5-951c-9580efdba3b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_0684d829-2fb3-463c-8a04-b8f47d192d05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain_a609cfa3-1124-4ea5-951c-9580efdba3b8" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_0684d829-2fb3-463c-8a04-b8f47d192d05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SeriesEPreferredSharesInExchangeForSoftwareLicenseMember_786c4ff9-6579-47b8-aabc-58fab8e43da3" xlink:href="figr-20250930.xsd#figr_SeriesEPreferredSharesInExchangeForSoftwareLicenseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SeriesEPreferredStockMember_0684d829-2fb3-463c-8a04-b8f47d192d05" xlink:to="loc_figr_SeriesEPreferredSharesInExchangeForSoftwareLicenseMember_786c4ff9-6579-47b8-aabc-58fab8e43da3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_PreferredSharesInExchangeForOneYearOfSoftwareDevelopmentServicesMember_8d3ba9d1-4566-4fbf-a7b5-3976abe49199" xlink:href="figr-20250930.xsd#figr_PreferredSharesInExchangeForOneYearOfSoftwareDevelopmentServicesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SeriesEPreferredStockMember_0684d829-2fb3-463c-8a04-b8f47d192d05" xlink:to="loc_figr_PreferredSharesInExchangeForOneYearOfSoftwareDevelopmentServicesMember_8d3ba9d1-4566-4fbf-a7b5-3976abe49199" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SeriesEPreferredSharesInExchangeForTwoYearsOfOtherServicesMember_4ad70808-9e61-49c8-9a6b-88647ff43b52" xlink:href="figr-20250930.xsd#figr_SeriesEPreferredSharesInExchangeForTwoYearsOfOtherServicesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SeriesEPreferredStockMember_0684d829-2fb3-463c-8a04-b8f47d192d05" xlink:to="loc_figr_SeriesEPreferredSharesInExchangeForTwoYearsOfOtherServicesMember_4ad70808-9e61-49c8-9a6b-88647ff43b52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_6f6aa30d-e16f-42a7-89fc-b5bdf75e5400" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain_a609cfa3-1124-4ea5-951c-9580efdba3b8" xlink:to="loc_us-gaap_CommonClassAMember_6f6aa30d-e16f-42a7-89fc-b5bdf75e5400" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_5b4c8f41-1f09-4bb1-8ba6-0114af4ed2a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightTable_23c4680f-3007-46d5-9d6e-1faf91b2bb6e" xlink:to="loc_us-gaap_StatementClassOfStockAxis_5b4c8f41-1f09-4bb1-8ba6-0114af4ed2a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_91b842bf-1edc-427b-b5e7-eb069d25fe72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_5b4c8f41-1f09-4bb1-8ba6-0114af4ed2a9" xlink:to="loc_us-gaap_ClassOfStockDomain_91b842bf-1edc-427b-b5e7-eb069d25fe72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_ae1c2261-2ac4-4ea6-a84f-227f7867bb62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_91b842bf-1edc-427b-b5e7-eb069d25fe72" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_ae1c2261-2ac4-4ea6-a84f-227f7867bb62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_358ff3a3-4145-46b9-9ec6-c2c2cd394be3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_91b842bf-1edc-427b-b5e7-eb069d25fe72" xlink:to="loc_us-gaap_CommonClassAMember_358ff3a3-4145-46b9-9ec6-c2c2cd394be3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightTable_23c4680f-3007-46d5-9d6e-1faf91b2bb6e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_b95a811f-9812-415b-84b9-aa2d962f7fb6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:to="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_b95a811f-9812-415b-84b9-aa2d962f7fb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_4d2bbbdb-1864-423c-b200-82d6c6828cad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:to="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_4d2bbbdb-1864-423c-b200-82d6c6828cad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstandingTerm_9ebf33d0-d1ca-437e-b84c-c08d1f29040b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WarrantsAndRightsOutstandingTerm"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:to="loc_us-gaap_WarrantsAndRightsOutstandingTerm_9ebf33d0-d1ca-437e-b84c-c08d1f29040b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities_eb2a89b7-1be0-46eb-82cd-855851d84716" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities_eb2a89b7-1be0-46eb-82cd-855851d84716" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightUnissued_55b8c530-c3a0-4fe9-9c91-f6957a5f720a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightUnissued"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:to="loc_us-gaap_ClassOfWarrantOrRightUnissued_55b8c530-c3a0-4fe9-9c91-f6957a5f720a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeBenefitsAndShareBasedCompensation_2315aae6-7446-4fd2-a69c-d7bcbd18f1cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeBenefitsAndShareBasedCompensation"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:to="loc_us-gaap_EmployeeBenefitsAndShareBasedCompensation_2315aae6-7446-4fd2-a69c-d7bcbd18f1cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ClassOfWarrantOrRightGrantDateFairValueOfWarrantsNumberOfSecurities_69506083-2cf4-4d7e-b48f-64d096df0f06" xlink:href="figr-20250930.xsd#figr_ClassOfWarrantOrRightGrantDateFairValueOfWarrantsNumberOfSecurities"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightLineItems_8e507fe5-5e76-4d35-909a-048e45b9292d" xlink:to="loc_figr_ClassOfWarrantOrRightGrantDateFairValueOfWarrantsNumberOfSecurities_69506083-2cf4-4d7e-b48f-64d096df0f06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYEquityBasedCompensationNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYEquityBasedCompensationNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYEquityBasedCompensationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_45bfbb84-56d2-4ddf-a119-59655d2e8a11" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7e2a8eea-9ecc-4d0f-b6bc-5c56af7be411" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_45bfbb84-56d2-4ddf-a119-59655d2e8a11" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7e2a8eea-9ecc-4d0f-b6bc-5c56af7be411" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_6a112edf-5fb0-4d98-bfd6-876d7fea113b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7e2a8eea-9ecc-4d0f-b6bc-5c56af7be411" xlink:to="loc_us-gaap_StatementClassOfStockAxis_6a112edf-5fb0-4d98-bfd6-876d7fea113b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_4f347ca5-339f-45b0-8c20-d5857b21cb64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_6a112edf-5fb0-4d98-bfd6-876d7fea113b" xlink:to="loc_us-gaap_ClassOfStockDomain_4f347ca5-339f-45b0-8c20-d5857b21cb64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_61b0e78f-4e6a-4d0c-9282-dadb648375b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_4f347ca5-339f-45b0-8c20-d5857b21cb64" xlink:to="loc_us-gaap_CommonClassAMember_61b0e78f-4e6a-4d0c-9282-dadb648375b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_e4cd42fa-cd13-47c9-be12-4bf6492abfa3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7e2a8eea-9ecc-4d0f-b6bc-5c56af7be411" xlink:to="loc_us-gaap_AwardTypeAxis_e4cd42fa-cd13-47c9-be12-4bf6492abfa3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f5635a56-9784-424e-b10e-2fa39cc4c671" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_e4cd42fa-cd13-47c9-be12-4bf6492abfa3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f5635a56-9784-424e-b10e-2fa39cc4c671" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ServiceAndPerformanceBasedRSUsMember_0be02ff7-8c67-45a4-9049-5fbe81eb677b" xlink:href="figr-20250930.xsd#figr_ServiceAndPerformanceBasedRSUsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f5635a56-9784-424e-b10e-2fa39cc4c671" xlink:to="loc_figr_ServiceAndPerformanceBasedRSUsMember_0be02ff7-8c67-45a4-9049-5fbe81eb677b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketBasedRSUsMember_8606f968-20c7-4102-bd1d-932421c48dfe" xlink:href="figr-20250930.xsd#figr_MarketBasedRSUsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f5635a56-9784-424e-b10e-2fa39cc4c671" xlink:to="loc_figr_MarketBasedRSUsMember_8606f968-20c7-4102-bd1d-932421c48dfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VestingAxis_c578211a-f585-4efe-b979-c007f222ee31" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VestingAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7e2a8eea-9ecc-4d0f-b6bc-5c56af7be411" xlink:to="loc_us-gaap_VestingAxis_c578211a-f585-4efe-b979-c007f222ee31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VestingDomain_795461e2-1fd5-42b3-8c3d-70379a88c1ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VestingDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingAxis_c578211a-f585-4efe-b979-c007f222ee31" xlink:to="loc_us-gaap_VestingDomain_795461e2-1fd5-42b3-8c3d-70379a88c1ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAwardTrancheOneMember_841b4782-3ff1-438b-9436-e82e2f2a9eec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationAwardTrancheOneMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingDomain_795461e2-1fd5-42b3-8c3d-70379a88c1ab" xlink:to="loc_us-gaap_ShareBasedCompensationAwardTrancheOneMember_841b4782-3ff1-438b-9436-e82e2f2a9eec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAwardTrancheTwoMember_c5984fdd-efc2-4050-8ea4-fa91542ed3e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationAwardTrancheTwoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingDomain_795461e2-1fd5-42b3-8c3d-70379a88c1ab" xlink:to="loc_us-gaap_ShareBasedCompensationAwardTrancheTwoMember_c5984fdd-efc2-4050-8ea4-fa91542ed3e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAwardTrancheThreeMember_24d39054-8dab-403f-a462-38b398ef494f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationAwardTrancheThreeMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingDomain_795461e2-1fd5-42b3-8c3d-70379a88c1ab" xlink:to="loc_us-gaap_ShareBasedCompensationAwardTrancheThreeMember_24d39054-8dab-403f-a462-38b398ef494f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ShareBasedPaymentArrangementTrancheFourMember_a478260a-2084-414b-afff-cc0f49a48aa4" xlink:href="figr-20250930.xsd#figr_ShareBasedPaymentArrangementTrancheFourMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingDomain_795461e2-1fd5-42b3-8c3d-70379a88c1ab" xlink:to="loc_figr_ShareBasedPaymentArrangementTrancheFourMember_a478260a-2084-414b-afff-cc0f49a48aa4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_7e2a8eea-9ecc-4d0f-b6bc-5c56af7be411" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_4e48b2d5-2c0b-4dd0-8e7b-7e9c1433e79a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_4e48b2d5-2c0b-4dd0-8e7b-7e9c1433e79a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_c2cee832-2dca-41ef-b8a0-dd783e22d219" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_c2cee832-2dca-41ef-b8a0-dd783e22d219" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CommonStockThresholdTradingDays_76fc99f3-0fb7-4751-8503-752eae28e64d" xlink:href="figr-20250930.xsd#figr_CommonStockThresholdTradingDays"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:to="loc_figr_CommonStockThresholdTradingDays_76fc99f3-0fb7-4751-8503-752eae28e64d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_7059e703-adf4-437b-b699-21eaa72a7bce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_7059e703-adf4-437b-b699-21eaa72a7bce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_7f044208-b6da-45a2-a044-e8ae48c461d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_7f044208-b6da-45a2-a044-e8ae48c461d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_6d646be8-092a-4656-94b7-e3aedc489f95" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_6d646be8-092a-4656-94b7-e3aedc489f95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharePrice_0b5ce58c-b19c-40d0-adc1-662d4955858a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharePrice"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_9bd93fa7-3c7c-487f-a43e-0f1f0444c089" xlink:to="loc_us-gaap_SharePrice_0b5ce58c-b19c-40d0-adc1-662d4955858a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYStockBasedCompensationExpenseDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYStockBasedCompensationExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYStockBasedCompensationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_2c7ce4d7-59f4-4fa2-ae95-d1b0db1e6d72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a69272f-9cb3-4177-bad1-119f8affd196" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_2c7ce4d7-59f4-4fa2-ae95-d1b0db1e6d72" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a69272f-9cb3-4177-bad1-119f8affd196" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_c708fda2-e5d4-47fb-b0e4-eb4d6ea527d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a69272f-9cb3-4177-bad1-119f8affd196" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_c708fda2-e5d4-47fb-b0e4-eb4d6ea527d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_24024665-62ce-4e7d-97ab-dec53bc5e9d1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_c708fda2-e5d4-47fb-b0e4-eb4d6ea527d7" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_24024665-62ce-4e7d-97ab-dec53bc5e9d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpenseMember_c9ae8402-e3e4-4bfb-b51d-3dca8a35a99e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeneralAndAdministrativeExpenseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_24024665-62ce-4e7d-97ab-dec53bc5e9d1" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpenseMember_c9ae8402-e3e4-4bfb-b51d-3dca8a35a99e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpenseMember_0284cbd5-4d81-46d2-88d5-8c150f798812" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SellingAndMarketingExpenseMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_24024665-62ce-4e7d-97ab-dec53bc5e9d1" xlink:to="loc_us-gaap_SellingAndMarketingExpenseMember_0284cbd5-4d81-46d2-88d5-8c150f798812" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpenseMember_d0c74b21-9a05-462c-846c-b21e715a74f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResearchAndDevelopmentExpenseMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_24024665-62ce-4e7d-97ab-dec53bc5e9d1" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpenseMember_d0c74b21-9a05-462c-846c-b21e715a74f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OperationsAndProcessingExpenseMember_8b080b44-6ebc-4639-8425-3c57b8a4ef34" xlink:href="figr-20250930.xsd#figr_OperationsAndProcessingExpenseMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_24024665-62ce-4e7d-97ab-dec53bc5e9d1" xlink:to="loc_figr_OperationsAndProcessingExpenseMember_8b080b44-6ebc-4639-8425-3c57b8a4ef34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_b14238c3-69ba-467e-930f-6a09c54f0093" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a69272f-9cb3-4177-bad1-119f8affd196" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_b14238c3-69ba-467e-930f-6a09c54f0093" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_9856a8f4-c814-416a-a9af-f637bd489166" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_b14238c3-69ba-467e-930f-6a09c54f0093" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_9856a8f4-c814-416a-a9af-f637bd489166" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYEquityIncentivePlansNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYEquityIncentivePlansNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYEquityIncentivePlansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_091fa655-e287-4342-bb5b-25bfb136f397" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_407fce1f-a705-4994-a421-27aaa61819b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_091fa655-e287-4342-bb5b-25bfb136f397" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_407fce1f-a705-4994-a421-27aaa61819b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_d701b596-be81-48e5-b6a6-5dfece26da70" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PlanNameAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_407fce1f-a705-4994-a421-27aaa61819b4" xlink:to="loc_us-gaap_PlanNameAxis_d701b596-be81-48e5-b6a6-5dfece26da70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_73838f73-496d-4bf1-bf70-99ef44af343a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameAxis_d701b596-be81-48e5-b6a6-5dfece26da70" xlink:to="loc_us-gaap_PlanNameDomain_73838f73-496d-4bf1-bf70-99ef44af343a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_A2018EquityIncentivePlanMember_9cd72ee2-57bb-4675-81e3-40fd891bb68a" xlink:href="figr-20250930.xsd#figr_A2018EquityIncentivePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_73838f73-496d-4bf1-bf70-99ef44af343a" xlink:to="loc_figr_A2018EquityIncentivePlanMember_9cd72ee2-57bb-4675-81e3-40fd891bb68a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_A2024EquityIncentivePlanMember_200059ad-a25c-492b-a4d8-1ee8e35971bc" xlink:href="figr-20250930.xsd#figr_A2024EquityIncentivePlanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_73838f73-496d-4bf1-bf70-99ef44af343a" xlink:to="loc_figr_A2024EquityIncentivePlanMember_200059ad-a25c-492b-a4d8-1ee8e35971bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_A2025IncentiveAwardPlanMember_f607aa0b-0ecc-4028-88db-ce95ef9f1579" xlink:href="figr-20250930.xsd#figr_A2025IncentiveAwardPlanMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_73838f73-496d-4bf1-bf70-99ef44af343a" xlink:to="loc_figr_A2025IncentiveAwardPlanMember_f607aa0b-0ecc-4028-88db-ce95ef9f1579" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_fe0fd3c4-3144-4c87-a5c1-abdaa5a8f233" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_407fce1f-a705-4994-a421-27aaa61819b4" xlink:to="loc_us-gaap_StatementClassOfStockAxis_fe0fd3c4-3144-4c87-a5c1-abdaa5a8f233" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_5899ebdd-8221-4d64-b5a9-af3f596a8c1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_fe0fd3c4-3144-4c87-a5c1-abdaa5a8f233" xlink:to="loc_us-gaap_ClassOfStockDomain_5899ebdd-8221-4d64-b5a9-af3f596a8c1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassAMember_8e8760a0-3747-4f5f-b37a-485bd3c0e7c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassAMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_5899ebdd-8221-4d64-b5a9-af3f596a8c1a" xlink:to="loc_us-gaap_CommonClassAMember_8e8760a0-3747-4f5f-b37a-485bd3c0e7c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonClassBMember_51d06c79-c1bd-427e-9bfb-4229ce3bafd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonClassBMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_5899ebdd-8221-4d64-b5a9-af3f596a8c1a" xlink:to="loc_us-gaap_CommonClassBMember_51d06c79-c1bd-427e-9bfb-4229ce3bafd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_de5513cb-5cdc-4d46-b8d2-35d9ddf06b41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_407fce1f-a705-4994-a421-27aaa61819b4" xlink:to="loc_us-gaap_AwardTypeAxis_de5513cb-5cdc-4d46-b8d2-35d9ddf06b41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_05513966-56b1-4203-800a-120f850d263b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_de5513cb-5cdc-4d46-b8d2-35d9ddf06b41" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_05513966-56b1-4203-800a-120f850d263b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockMember_2099ca02-e62d-4213-953b-722c2411ccf8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_05513966-56b1-4203-800a-120f850d263b" xlink:to="loc_us-gaap_EmployeeStockMember_2099ca02-e62d-4213-953b-722c2411ccf8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5ecc1176-1707-4031-ba29-4ed3f54c9e7d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_407fce1f-a705-4994-a421-27aaa61819b4" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5ecc1176-1707-4031-ba29-4ed3f54c9e7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_43f6e653-7722-4c85-9e01-700bcf085e3a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5ecc1176-1707-4031-ba29-4ed3f54c9e7d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_43f6e653-7722-4c85-9e01-700bcf085e3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsGrantedToDateGross_50cd07d7-5bab-41cc-a6d3-89fc7e6136f3" xlink:href="figr-20250930.xsd#figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsGrantedToDateGross"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5ecc1176-1707-4031-ba29-4ed3f54c9e7d" xlink:to="loc_figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsGrantedToDateGross_50cd07d7-5bab-41cc-a6d3-89fc7e6136f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPlanModificationIncrementalCompensationCost_2ee401a2-9b1b-4cf3-8ff0-1d2d35071520" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPlanModificationIncrementalCompensationCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5ecc1176-1707-4031-ba29-4ed3f54c9e7d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPlanModificationIncrementalCompensationCost_2ee401a2-9b1b-4cf3-8ff0-1d2d35071520" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum_5381e827-bc48-4515-8f8d-ae1d42df0877" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5ecc1176-1707-4031-ba29-4ed3f54c9e7d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfOutstandingStockMaximum_5381e827-bc48-4515-8f8d-ae1d42df0877" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYUnrecognizedCompensationExpenseDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYUnrecognizedCompensationExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYUnrecognizedCompensationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_57a8911a-98a5-4455-a1a9-75392e7403b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a5656c3-1adb-4a70-a314-a612fd98c84b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_57a8911a-98a5-4455-a1a9-75392e7403b3" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a5656c3-1adb-4a70-a314-a612fd98c84b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VestingAxis_8ca0eca8-8e07-4249-9f0a-cd059adabc59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VestingAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a5656c3-1adb-4a70-a314-a612fd98c84b" xlink:to="loc_us-gaap_VestingAxis_8ca0eca8-8e07-4249-9f0a-cd059adabc59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VestingDomain_20cc4b5d-3336-4f1a-88da-e7340c8c5145" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VestingDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingAxis_8ca0eca8-8e07-4249-9f0a-cd059adabc59" xlink:to="loc_us-gaap_VestingDomain_20cc4b5d-3336-4f1a-88da-e7340c8c5145" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAwardTrancheOneMember_897c2a16-9f2f-4216-94cd-d6416edc2c72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationAwardTrancheOneMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingDomain_20cc4b5d-3336-4f1a-88da-e7340c8c5145" xlink:to="loc_us-gaap_ShareBasedCompensationAwardTrancheOneMember_897c2a16-9f2f-4216-94cd-d6416edc2c72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAwardTrancheTwoMember_8a53d65e-bdc9-4297-922a-5f2459788b75" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationAwardTrancheTwoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingDomain_20cc4b5d-3336-4f1a-88da-e7340c8c5145" xlink:to="loc_us-gaap_ShareBasedCompensationAwardTrancheTwoMember_8a53d65e-bdc9-4297-922a-5f2459788b75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_9fce5189-7ae4-4e90-85e7-fbbc77420e36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a5656c3-1adb-4a70-a314-a612fd98c84b" xlink:to="loc_us-gaap_AwardTypeAxis_9fce5189-7ae4-4e90-85e7-fbbc77420e36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_6cfbc4ab-f425-4492-a0b7-cd3b054ae04e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_9fce5189-7ae4-4e90-85e7-fbbc77420e36" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_6cfbc4ab-f425-4492-a0b7-cd3b054ae04e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_c7d45a76-8334-44b9-8c35-9adaf7620760" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_6cfbc4ab-f425-4492-a0b7-cd3b054ae04e" xlink:to="loc_us-gaap_EmployeeStockOptionMember_c7d45a76-8334-44b9-8c35-9adaf7620760" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_7d933c3d-7c62-487c-bfcc-b0c8cc3179e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_6cfbc4ab-f425-4492-a0b7-cd3b054ae04e" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_7d933c3d-7c62-487c-bfcc-b0c8cc3179e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_e430cbf6-1e07-4ff5-9453-c193b83b8cf7" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a5656c3-1adb-4a70-a314-a612fd98c84b" xlink:to="loc_srt_RangeAxis_e430cbf6-1e07-4ff5-9453-c193b83b8cf7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_adfbfd26-0b68-42a1-abbb-68268567cbce" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_e430cbf6-1e07-4ff5-9453-c193b83b8cf7" xlink:to="loc_srt_RangeMember_adfbfd26-0b68-42a1-abbb-68268567cbce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_0275e6f2-d131-4fd4-b560-d0624517779e" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_adfbfd26-0b68-42a1-abbb-68268567cbce" xlink:to="loc_srt_MinimumMember_0275e6f2-d131-4fd4-b560-d0624517779e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_74cfc054-912d-407f-aff4-99669ee16c6d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_adfbfd26-0b68-42a1-abbb-68268567cbce" xlink:to="loc_srt_MaximumMember_74cfc054-912d-407f-aff4-99669ee16c6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_3a5656c3-1adb-4a70-a314-a612fd98c84b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_547da1dd-cf4d-4b99-9676-151cce63ea0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_547da1dd-cf4d-4b99-9676-151cce63ea0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares_a9e5ba52-c39c-4e29-9163-34f8aeb56199" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares_a9e5ba52-c39c-4e29-9163-34f8aeb56199" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_26662162-c686-4385-9ff5-dbb9749dc8e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_26662162-c686-4385-9ff5-dbb9749dc8e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedNumber_3a91d0d6-c4ee-4882-84aa-980fb7fd0abb" xlink:href="figr-20250930.xsd#figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedNumber"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:to="loc_figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedNumber_3a91d0d6-c4ee-4882-84aa-980fb7fd0abb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_baaf24e6-52fb-4dcd-a278-69e9eb3e41ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_baaf24e6-52fb-4dcd-a278-69e9eb3e41ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_52563a01-101c-4023-9ec0-c2edac5900fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_52563a01-101c-4023-9ec0-c2edac5900fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_b2d53b93-0b8a-4d10-80b5-789a14f672b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_b2d53b93-0b8a-4d10-80b5-789a14f672b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardCliffFeatureVestingPeriod_771cd196-6bbd-4c17-9fb5-dff5fa687b92" xlink:href="figr-20250930.xsd#figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardCliffFeatureVestingPeriod"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_22fb36ad-afc8-4c2e-b3dc-e24a82bd905f" xlink:to="loc_figr_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardCliffFeatureVestingPeriod_771cd196-6bbd-4c17-9fb5-dff5fa687b92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYNoncontrollingInterestsinConsolidatedSubsidiariesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYNoncontrollingInterestsinConsolidatedSubsidiariesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYNoncontrollingInterestsinConsolidatedSubsidiariesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_e2c4fa9d-758d-45aa-a063-7dc1dffee5af" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestTable_a9f37ac8-4dca-4746-943d-2443f48a3f8b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_e2c4fa9d-758d-45aa-a063-7dc1dffee5af" xlink:to="loc_us-gaap_MinorityInterestTable_a9f37ac8-4dca-4746-943d-2443f48a3f8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipAxis_e244e804-45ee-4f6a-b9cf-b7df9cca8e29" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestTable_a9f37ac8-4dca-4746-943d-2443f48a3f8b" xlink:to="loc_srt_OwnershipAxis_e244e804-45ee-4f6a-b9cf-b7df9cca8e29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipDomain_e3fbd4aa-6a57-4093-b36c-39abf4c13b1c" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipAxis_e244e804-45ee-4f6a-b9cf-b7df9cca8e29" xlink:to="loc_srt_OwnershipDomain_e3fbd4aa-6a57-4093-b36c-39abf4c13b1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigureREITMember_63740b1f-915e-4f42-acb0-902b992c9ce4" xlink:href="figr-20250930.xsd#figr_FigureREITMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_e3fbd4aa-6a57-4093-b36c-39abf4c13b1c" xlink:to="loc_figr_FigureREITMember_63740b1f-915e-4f42-acb0-902b992c9ce4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OffshoreSolanaFundMember_1f71070f-6583-4773-b294-1c969ba57fac" xlink:href="figr-20250930.xsd#figr_OffshoreSolanaFundMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_e3fbd4aa-6a57-4093-b36c-39abf4c13b1c" xlink:to="loc_figr_OffshoreSolanaFundMember_1f71070f-6583-4773-b294-1c969ba57fac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember_7bdd3130-a966-4df0-b034-c38588d715f0" xlink:href="figr-20250930.xsd#figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_e3fbd4aa-6a57-4093-b36c-39abf4c13b1c" xlink:to="loc_figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember_7bdd3130-a966-4df0-b034-c38588d715f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_f9f6f303-8b58-4773-90cd-bf98fad3480a" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestTable_a9f37ac8-4dca-4746-943d-2443f48a3f8b" xlink:to="loc_srt_ConsolidatedEntitiesAxis_f9f6f303-8b58-4773-90cd-bf98fad3480a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_f39d7137-11b6-400b-8c08-c3113f16e172" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_f9f6f303-8b58-4773-90cd-bf98fad3480a" xlink:to="loc_srt_ConsolidatedEntitiesDomain_f39d7137-11b6-400b-8c08-c3113f16e172" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SubsidiariesMember_fb979dae-81d6-463b-a1a7-b5a2457024b8" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SubsidiariesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_f39d7137-11b6-400b-8c08-c3113f16e172" xlink:to="loc_srt_SubsidiariesMember_fb979dae-81d6-463b-a1a7-b5a2457024b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_733b3c75-a16c-4632-ab31-a8c43230c56e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestTable_a9f37ac8-4dca-4746-943d-2443f48a3f8b" xlink:to="loc_dei_LegalEntityAxis_733b3c75-a16c-4632-ab31-a8c43230c56e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_7276e3de-d598-4640-af91-9aaf17584334" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_733b3c75-a16c-4632-ab31-a8c43230c56e" xlink:to="loc_dei_EntityDomain_7276e3de-d598-4640-af91-9aaf17584334" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigureREITMember_e229e618-deb9-4ab1-bbc2-8f57e2fe2e56" xlink:href="figr-20250930.xsd#figr_FigureREITMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_7276e3de-d598-4640-af91-9aaf17584334" xlink:to="loc_figr_FigureREITMember_e229e618-deb9-4ab1-bbc2-8f57e2fe2e56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OffshoreSolanaFundMember_9da59c81-fbe3-44ec-af53-ae4239afec12" xlink:href="figr-20250930.xsd#figr_OffshoreSolanaFundMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_7276e3de-d598-4640-af91-9aaf17584334" xlink:to="loc_figr_OffshoreSolanaFundMember_9da59c81-fbe3-44ec-af53-ae4239afec12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestLineItems_7b0bb037-f7f9-4398-bb64-d9f60f1b359f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestTable_a9f37ac8-4dca-4746-943d-2443f48a3f8b" xlink:to="loc_us-gaap_MinorityInterestLineItems_7b0bb037-f7f9-4398-bb64-d9f60f1b359f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_51c79366-59ac-48aa-a5db-25d98d82ff34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestLineItems_7b0bb037-f7f9-4398-bb64-d9f60f1b359f" xlink:to="loc_us-gaap_ProfitLoss_51c79366-59ac-48aa-a5db-25d98d82ff34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_151a9afe-7dc7-4a7a-9d87-eb8a7bb570b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestLineItems_7b0bb037-f7f9-4398-bb64-d9f60f1b359f" xlink:to="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_151a9afe-7dc7-4a7a-9d87-eb8a7bb570b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage_9263bde2-a5d1-4d7d-ac20-9e8872fb307d" xlink:href="figr-20250930.xsd#figr_SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestLineItems_7b0bb037-f7f9-4398-bb64-d9f60f1b359f" xlink:to="loc_figr_SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage_9263bde2-a5d1-4d7d-ac20-9e8872fb307d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_97c36c47-83fd-4250-a301-8aea1e5a8aef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestLineItems_7b0bb037-f7f9-4398-bb64-d9f60f1b359f" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_97c36c47-83fd-4250-a301-8aea1e5a8aef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/EQUITYNoncontrollingInterestsinEquityofConsolidatedSubsidiariesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#EQUITYNoncontrollingInterestsinEquityofConsolidatedSubsidiariesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/EQUITYNoncontrollingInterestsinEquityofConsolidatedSubsidiariesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_cab6d0b5-4e53-4d6d-90c0-e540e789dc19" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestTable_d7bd9b1e-3d8c-4a96-94f8-3abab28b8f40" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_cab6d0b5-4e53-4d6d-90c0-e540e789dc19" xlink:to="loc_us-gaap_MinorityInterestTable_d7bd9b1e-3d8c-4a96-94f8-3abab28b8f40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipAxis_201f451d-1144-473b-b5f0-75358c828ba3" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestTable_d7bd9b1e-3d8c-4a96-94f8-3abab28b8f40" xlink:to="loc_srt_OwnershipAxis_201f451d-1144-473b-b5f0-75358c828ba3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipDomain_bbc5dccc-484c-4049-80a4-f0211c128814" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipAxis_201f451d-1144-473b-b5f0-75358c828ba3" xlink:to="loc_srt_OwnershipDomain_bbc5dccc-484c-4049-80a4-f0211c128814" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember_b71af898-f666-43c5-afb9-e40e90e8bc4e" xlink:href="figr-20250930.xsd#figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_bbc5dccc-484c-4049-80a4-f0211c128814" xlink:to="loc_figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember_b71af898-f666-43c5-afb9-e40e90e8bc4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigureREITMember_2442afc7-7b2d-490b-902b-8b379dc79f8f" xlink:href="figr-20250930.xsd#figr_FigureREITMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember_b71af898-f666-43c5-afb9-e40e90e8bc4e" xlink:to="loc_figr_FigureREITMember_2442afc7-7b2d-490b-902b-8b379dc79f8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OffshoreSolanaFundMember_ab36e755-6fbf-44bd-a17b-d9cb5e22b33d" xlink:href="figr-20250930.xsd#figr_OffshoreSolanaFundMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_ThirdPartyInvestorsInRealEstateInvestmentTrustSubsidiaryMember_b71af898-f666-43c5-afb9-e40e90e8bc4e" xlink:to="loc_figr_OffshoreSolanaFundMember_ab36e755-6fbf-44bd-a17b-d9cb5e22b33d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_90ae6359-7a1a-4862-ac04-8e6477add123" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestTable_d7bd9b1e-3d8c-4a96-94f8-3abab28b8f40" xlink:to="loc_srt_ConsolidatedEntitiesAxis_90ae6359-7a1a-4862-ac04-8e6477add123" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_ae7fd299-1e12-460d-a62c-183240a46659" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_90ae6359-7a1a-4862-ac04-8e6477add123" xlink:to="loc_srt_ConsolidatedEntitiesDomain_ae7fd299-1e12-460d-a62c-183240a46659" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SubsidiariesMember_cab79635-1494-420a-ba5e-99179f85f228" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SubsidiariesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_ae7fd299-1e12-460d-a62c-183240a46659" xlink:to="loc_srt_SubsidiariesMember_cab79635-1494-420a-ba5e-99179f85f228" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestLineItems_14b6902c-e10a-45a5-a536-d2aff5277982" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestTable_d7bd9b1e-3d8c-4a96-94f8-3abab28b8f40" xlink:to="loc_us-gaap_MinorityInterestLineItems_14b6902c-e10a-45a5-a536-d2aff5277982" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4f1b0a90-cd8d-43c8-af30-652e49f22b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestLineItems_14b6902c-e10a-45a5-a536-d2aff5277982" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4f1b0a90-cd8d-43c8-af30-652e49f22b1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_14702fff-57c5-4a9b-9f5c-024bf9b0c868" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestLineItems_14b6902c-e10a-45a5-a536-d2aff5277982" xlink:to="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_14702fff-57c5-4a9b-9f5c-024bf9b0c868" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage_07f66172-df0d-48ba-9584-ff8b2c8c3f79" xlink:href="figr-20250930.xsd#figr_SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestLineItems_14b6902c-e10a-45a5-a536-d2aff5277982" xlink:to="loc_figr_SubsidiaryOwnershipPercentageNoncontrollingOwnerWeightedAverage_07f66172-df0d-48ba-9584-ff8b2c8c3f79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_87a94634-1a8d-43d9-8598-d74016b97590" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MinorityInterestLineItems_14b6902c-e10a-45a5-a536-d2aff5277982" xlink:to="loc_us-gaap_MinorityInterest_87a94634-1a8d-43d9-8598-d74016b97590" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/NETINCOMELOSSPERSHAREDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#NETINCOMELOSSPERSHAREDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/NETINCOMELOSSPERSHAREDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_51e3bd7c-1f69-425e-9c96-c3c78c13b3f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_68ee5ca9-2316-4519-bfa7-12f012b3288f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_51e3bd7c-1f69-425e-9c96-c3c78c13b3f8" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_68ee5ca9-2316-4519-bfa7-12f012b3288f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_be7ee3af-7058-4cef-8bc5-216ab306f4bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_68ee5ca9-2316-4519-bfa7-12f012b3288f" xlink:to="loc_us-gaap_NetIncomeLoss_be7ee3af-7058-4cef-8bc5-216ab306f4bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_dc64bf12-4a14-4ad3-8f67-6b3e6fec1b9c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_68ee5ca9-2316-4519-bfa7-12f012b3288f" xlink:to="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_dc64bf12-4a14-4ad3-8f67-6b3e6fec1b9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_323c1c11-75e5-4ff9-a2dd-6a028d9e2c38" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_68ee5ca9-2316-4519-bfa7-12f012b3288f" xlink:to="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_323c1c11-75e5-4ff9-a2dd-6a028d9e2c38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_9e81ded2-c40b-4b76-80dc-8f223d74448f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_68ee5ca9-2316-4519-bfa7-12f012b3288f" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_9e81ded2-c40b-4b76-80dc-8f223d74448f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_13fbb3a8-4a86-4bf8-941f-580483312fc6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_68ee5ca9-2316-4519-bfa7-12f012b3288f" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_13fbb3a8-4a86-4bf8-941f-580483312fc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a0bffacf-49ea-4861-9758-aefb48952fdc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_51e3bd7c-1f69-425e-9c96-c3c78c13b3f8" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a0bffacf-49ea-4861-9758-aefb48952fdc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_c8acf29f-93dc-44ca-b6f9-d5dbe7f2541e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a0bffacf-49ea-4861-9758-aefb48952fdc" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_c8acf29f-93dc-44ca-b6f9-d5dbe7f2541e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_610f1a20-1d10-4ff9-8a57-3d3ad100e889" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a0bffacf-49ea-4861-9758-aefb48952fdc" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_610f1a20-1d10-4ff9-8a57-3d3ad100e889" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_7179b59e-6ba7-43d7-8fd6-896eaa7e2b1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a0bffacf-49ea-4861-9758-aefb48952fdc" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_7179b59e-6ba7-43d7-8fd6-896eaa7e2b1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_1c63fbfa-75c7-49fd-b8d1-208117f10390" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_51e3bd7c-1f69-425e-9c96-c3c78c13b3f8" xlink:to="loc_us-gaap_EarningsPerShareBasic_1c63fbfa-75c7-49fd-b8d1-208117f10390" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_812003db-b581-4130-8cd1-a1f36fd0c3c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_51e3bd7c-1f69-425e-9c96-c3c78c13b3f8" xlink:to="loc_us-gaap_EarningsPerShareDiluted_812003db-b581-4130-8cd1-a1f36fd0c3c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_b22df678-7c02-4d99-a2fd-61fe2b9727e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_51e3bd7c-1f69-425e-9c96-c3c78c13b3f8" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_b22df678-7c02-4d99-a2fd-61fe2b9727e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_9c9c0e71-fca0-45cf-8429-485848417b1d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_b22df678-7c02-4d99-a2fd-61fe2b9727e6" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_9c9c0e71-fca0-45cf-8429-485848417b1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_515a4516-32ff-41ec-97fe-4d655e2dcaff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_9c9c0e71-fca0-45cf-8429-485848417b1d" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_515a4516-32ff-41ec-97fe-4d655e2dcaff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_005a00c1-e802-4bc2-baf7-a62a32a8edfc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_515a4516-32ff-41ec-97fe-4d655e2dcaff" xlink:to="loc_us-gaap_EmployeeStockOptionMember_005a00c1-e802-4bc2-baf7-a62a32a8edfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember_8ebcabb3-8781-4971-b8ba-8f7ff6f138f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WarrantMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_515a4516-32ff-41ec-97fe-4d655e2dcaff" xlink:to="loc_us-gaap_WarrantMember_8ebcabb3-8781-4971-b8ba-8f7ff6f138f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_235d3278-4d6a-4353-8f37-d7259431aa7d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_515a4516-32ff-41ec-97fe-4d655e2dcaff" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_235d3278-4d6a-4353-8f37-d7259431aa7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RestrictedStockUnitsUnvestedMember_d974ea39-cf58-4866-b06e-370a586b77e6" xlink:href="figr-20250930.xsd#figr_RestrictedStockUnitsUnvestedMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_515a4516-32ff-41ec-97fe-4d655e2dcaff" xlink:to="loc_figr_RestrictedStockUnitsUnvestedMember_d974ea39-cf58-4866-b06e-370a586b77e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_30e3df15-1bd8-4048-b595-75611376d475" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_b22df678-7c02-4d99-a2fd-61fe2b9727e6" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_30e3df15-1bd8-4048-b595-75611376d475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_c8e5de42-f4fc-4675-b5a3-ed388cda47f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_30e3df15-1bd8-4048-b595-75611376d475" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_c8e5de42-f4fc-4675-b5a3-ed388cda47f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/VARIABLEINTERESTENTITIESAssetsandLiabilitiesOfVIEsConsolidationDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#VARIABLEINTERESTENTITIESAssetsandLiabilitiesOfVIEsConsolidationDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/VARIABLEINTERESTENTITIESAssetsandLiabilitiesOfVIEsConsolidationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_c1344e16-0dbf-4c32-8b0a-1726e1242ced" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityMeasureOfActivityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_aa2ec098-12eb-440a-b169-0a959ee42667" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_c1344e16-0dbf-4c32-8b0a-1726e1242ced" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_aa2ec098-12eb-440a-b169-0a959ee42667" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_52f20550-cdcd-4f5f-8ef4-b2ce6a567b8d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_aa2ec098-12eb-440a-b169-0a959ee42667" xlink:to="loc_srt_ConsolidatedEntitiesAxis_52f20550-cdcd-4f5f-8ef4-b2ce6a567b8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_30c3bf59-4bbd-4538-8d7f-d31c72ba3f82" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_52f20550-cdcd-4f5f-8ef4-b2ce6a567b8d" xlink:to="loc_srt_ConsolidatedEntitiesDomain_30c3bf59-4bbd-4538-8d7f-d31c72ba3f82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_8d5bfb8d-b673-4c79-936c-9ef083be0e83" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_30c3bf59-4bbd-4538-8d7f-d31c72ba3f82" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_8d5bfb8d-b673-4c79-936c-9ef083be0e83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_612a5c90-ab3f-437a-856a-5bca9ad0bfec" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CounterpartyNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_aa2ec098-12eb-440a-b169-0a959ee42667" xlink:to="loc_srt_CounterpartyNameAxis_612a5c90-ab3f-437a-856a-5bca9ad0bfec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_7883e25e-3fba-47a8-ae85-eef8c7a15b66" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CounterpartyNameAxis_612a5c90-ab3f-437a-856a-5bca9ad0bfec" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_7883e25e-3fba-47a8-ae85-eef8c7a15b66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OffshoreSolanaFundMember_4da4dffb-211e-4e30-9bd1-40c3bfcf2320" xlink:href="figr-20250930.xsd#figr_OffshoreSolanaFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_7883e25e-3fba-47a8-ae85-eef8c7a15b66" xlink:to="loc_figr_OffshoreSolanaFundMember_4da4dffb-211e-4e30-9bd1-40c3bfcf2320" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigureREITMember_ced12b92-3cb8-4cda-a56f-d157d658c309" xlink:href="figr-20250930.xsd#figr_FigureREITMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_7883e25e-3fba-47a8-ae85-eef8c7a15b66" xlink:to="loc_figr_FigureREITMember_ced12b92-3cb8-4cda-a56f-d157d658c309" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigureCertificateMember_aa1cf6c2-7198-4db3-97b7-d23b946fbff8" xlink:href="figr-20250930.xsd#figr_FigureCertificateMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_7883e25e-3fba-47a8-ae85-eef8c7a15b66" xlink:to="loc_figr_FigureCertificateMember_aa1cf6c2-7198-4db3-97b7-d23b946fbff8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_4e959069-251c-45d3-8750-c011b8411e02" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_aa2ec098-12eb-440a-b169-0a959ee42667" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_4e959069-251c-45d3-8750-c011b8411e02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_a73f5916-245c-4601-a9bf-2a42c90120ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_4e959069-251c-45d3-8750-c011b8411e02" xlink:to="loc_us-gaap_Assets_a73f5916-245c-4601-a9bf-2a42c90120ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_c70a6fa4-a800-4bad-9116-d4d0e7285a0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_4e959069-251c-45d3-8750-c011b8411e02" xlink:to="loc_us-gaap_Liabilities_c70a6fa4-a800-4bad-9116-d4d0e7285a0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/VARIABLEINTERESTENTITIESNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#VARIABLEINTERESTENTITIESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/VARIABLEINTERESTENTITIESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonmonetaryTransactionsAbstract_daec2378-1a59-4abb-a761-d60756159fcf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonmonetaryTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_29484e72-cc5c-4900-99ce-b8f7a51b19f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NonmonetaryTransactionsAbstract_daec2378-1a59-4abb-a761-d60756159fcf" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_29484e72-cc5c-4900-99ce-b8f7a51b19f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_e82d8c7b-b680-4541-9955-ea3b3a9769b3" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_29484e72-cc5c-4900-99ce-b8f7a51b19f0" xlink:to="loc_dei_LegalEntityAxis_e82d8c7b-b680-4541-9955-ea3b3a9769b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_ff8f5bd4-4cbf-46db-8fc5-78afa23f9e21" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_e82d8c7b-b680-4541-9955-ea3b3a9769b3" xlink:to="loc_dei_EntityDomain_ff8f5bd4-4cbf-46db-8fc5-78afa23f9e21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigureREITMember_a93c2bf9-b7c5-46c2-9106-a486459da204" xlink:href="figr-20250930.xsd#figr_FigureREITMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_ff8f5bd4-4cbf-46db-8fc5-78afa23f9e21" xlink:to="loc_figr_FigureREITMember_a93c2bf9-b7c5-46c2-9106-a486459da204" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OffshoreSolanaFundMember_4dc16174-6588-4ec9-8f99-24403360295f" xlink:href="figr-20250930.xsd#figr_OffshoreSolanaFundMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_ff8f5bd4-4cbf-46db-8fc5-78afa23f9e21" xlink:to="loc_figr_OffshoreSolanaFundMember_4dc16174-6588-4ec9-8f99-24403360295f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ThirdPartyOwnersMember_80d47454-72c5-4541-952f-78c4b0bf4194" xlink:href="figr-20250930.xsd#figr_ThirdPartyOwnersMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_ff8f5bd4-4cbf-46db-8fc5-78afa23f9e21" xlink:to="loc_figr_ThirdPartyOwnersMember_80d47454-72c5-4541-952f-78c4b0bf4194" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_cce6b5ec-d7ba-4c02-be9a-f2e7c8367323" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_29484e72-cc5c-4900-99ce-b8f7a51b19f0" xlink:to="loc_srt_ConsolidatedEntitiesAxis_cce6b5ec-d7ba-4c02-be9a-f2e7c8367323" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_8a924a95-5484-4052-8b8c-7e80497a0181" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_cce6b5ec-d7ba-4c02-be9a-f2e7c8367323" xlink:to="loc_srt_ConsolidatedEntitiesDomain_8a924a95-5484-4052-8b8c-7e80497a0181" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_58bafb6e-5956-4e72-bcf7-6073d2a02f4e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_8a924a95-5484-4052-8b8c-7e80497a0181" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_58bafb6e-5956-4e72-bcf7-6073d2a02f4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipAxis_e832c4c4-6332-4d7e-a575-c6f3a09b6dc1" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_29484e72-cc5c-4900-99ce-b8f7a51b19f0" xlink:to="loc_srt_OwnershipAxis_e832c4c4-6332-4d7e-a575-c6f3a09b6dc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipDomain_38692c6d-ab0e-4259-9d7b-00d6ec96fdbb" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipAxis_e832c4c4-6332-4d7e-a575-c6f3a09b6dc1" xlink:to="loc_srt_OwnershipDomain_38692c6d-ab0e-4259-9d7b-00d6ec96fdbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OffshoreSolanaFundMember_8ce21292-ab7e-4a26-a95f-0faa2c97d060" xlink:href="figr-20250930.xsd#figr_OffshoreSolanaFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_38692c6d-ab0e-4259-9d7b-00d6ec96fdbb" xlink:to="loc_figr_OffshoreSolanaFundMember_8ce21292-ab7e-4a26-a95f-0faa2c97d060" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FigureREITMember_0f7a3ed8-af3e-4e51-ab51-fd70472dd0f5" xlink:href="figr-20250930.xsd#figr_FigureREITMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_38692c6d-ab0e-4259-9d7b-00d6ec96fdbb" xlink:to="loc_figr_FigureREITMember_0f7a3ed8-af3e-4e51-ab51-fd70472dd0f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_6501fbe1-4395-4850-8a0c-b158813a704c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_29484e72-cc5c-4900-99ce-b8f7a51b19f0" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_6501fbe1-4395-4850-8a0c-b158813a704c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_NoncontrollingInterestInLimitedPartnershipsSoldPercentage_7735bfe7-ced3-4633-a9f3-a50033fecaa4" xlink:href="figr-20250930.xsd#figr_NoncontrollingInterestInLimitedPartnershipsSoldPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_6501fbe1-4395-4850-8a0c-b158813a704c" xlink:to="loc_figr_NoncontrollingInterestInLimitedPartnershipsSoldPercentage_7735bfe7-ced3-4633-a9f3-a50033fecaa4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByParent_24828027-09fd-4981-92f1-e59ef7b7795c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestOwnershipPercentageByParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_6501fbe1-4395-4850-8a0c-b158813a704c" xlink:to="loc_us-gaap_MinorityInterestOwnershipPercentageByParent_24828027-09fd-4981-92f1-e59ef7b7795c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_13b0a212-6456-4f35-848f-816d973a0f02" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_6501fbe1-4395-4850-8a0c-b158813a704c" xlink:to="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_13b0a212-6456-4f35-848f-816d973a0f02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/VARIABLEINTERESTENTITIESUnconsolidatedVIEsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#VARIABLEINTERESTENTITIESUnconsolidatedVIEsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/VARIABLEINTERESTENTITIESUnconsolidatedVIEsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_7d953b60-f7e9-4824-b357-4ff3e650a631" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityMeasureOfActivityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1ba1b574-22b1-433a-ac1e-13479d5f569c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityMeasureOfActivityAbstract_7d953b60-f7e9-4824-b357-4ff3e650a631" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1ba1b574-22b1-433a-ac1e-13479d5f569c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_46bb22e5-1aac-423e-933d-016cb63b0453" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1ba1b574-22b1-433a-ac1e-13479d5f569c" xlink:to="loc_srt_ConsolidatedEntitiesAxis_46bb22e5-1aac-423e-933d-016cb63b0453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_ccaea103-89a1-4d63-8c8c-598b3431f29f" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_46bb22e5-1aac-423e-933d-016cb63b0453" xlink:to="loc_srt_ConsolidatedEntitiesDomain_ccaea103-89a1-4d63-8c8c-598b3431f29f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_41a6060e-2c40-42d0-9107-524502f4919e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_ccaea103-89a1-4d63-8c8c-598b3431f29f" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_41a6060e-2c40-42d0-9107-524502f4919e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_cc1afc1a-d7af-455c-acb3-4101d7006424" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1ba1b574-22b1-433a-ac1e-13479d5f569c" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_cc1afc1a-d7af-455c-acb3-4101d7006424" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized_f80ae7c3-449f-45f1-80c6-362d208188ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_cc1afc1a-d7af-455c-acb3-4101d7006424" xlink:to="loc_us-gaap_PrincipalAmountOutstandingOnLoansManagedAndSecuritized_f80ae7c3-449f-45f1-80c6-362d208188ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoanManagedAndSecuritizedOrAssetBackedFinancingArrangementWeightedAverageDelinquencyRate_8e79a54c-2755-4779-a89b-ca39e7681df0" xlink:href="figr-20250930.xsd#figr_LoanManagedAndSecuritizedOrAssetBackedFinancingArrangementWeightedAverageDelinquencyRate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_cc1afc1a-d7af-455c-acb3-4101d7006424" xlink:to="loc_figr_LoanManagedAndSecuritizedOrAssetBackedFinancingArrangementWeightedAverageDelinquencyRate_8e79a54c-2755-4779-a89b-ca39e7681df0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableWithImputedInterestFaceAmount_d2401450-cbf2-43e5-a2c1-16dff22644c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivableWithImputedInterestFaceAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_cc1afc1a-d7af-455c-acb3-4101d7006424" xlink:to="loc_us-gaap_ReceivableWithImputedInterestFaceAmount_d2401450-cbf2-43e5-a2c1-16dff22644c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_c9d5e882-31de-4a05-8c34-0f8d9da2dbe7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_cc1afc1a-d7af-455c-acb3-4101d7006424" xlink:to="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_c9d5e882-31de-4a05-8c34-0f8d9da2dbe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableExcludingAccruedInterestNumberOfDaysDelinquent_9a4e16f3-1285-438e-8e8d-1159be575021" xlink:href="figr-20250930.xsd#figr_FinancingReceivableExcludingAccruedInterestNumberOfDaysDelinquent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_cc1afc1a-d7af-455c-acb3-4101d7006424" xlink:to="loc_figr_FinancingReceivableExcludingAccruedInterestNumberOfDaysDelinquent_9a4e16f3-1285-438e-8e8d-1159be575021" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/COMMITMENTSANDCONTINGENCIESNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#COMMITMENTSANDCONTINGENCIESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/COMMITMENTSANDCONTINGENCIESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_9a252322-d2dd-4374-b68e-6cc1ffb1f81d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_c2e84ee9-9ac0-490c-b7c9-944f76197518" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_9a252322-d2dd-4374-b68e-6cc1ffb1f81d" xlink:to="loc_us-gaap_OtherCommitmentsTable_c2e84ee9-9ac0-490c-b7c9-944f76197518" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsAxis_718ee7b9-2c53-4874-9106-e65e956a6449" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_c2e84ee9-9ac0-490c-b7c9-944f76197518" xlink:to="loc_us-gaap_OtherCommitmentsAxis_718ee7b9-2c53-4874-9106-e65e956a6449" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDomain_4d1f27b7-a083-40b9-b477-57a434901357" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsAxis_718ee7b9-2c53-4874-9106-e65e956a6449" xlink:to="loc_us-gaap_OtherCommitmentsDomain_4d1f27b7-a083-40b9-b477-57a434901357" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_SecuritizationCommitmentsMember_c182b05d-9309-4d06-ac8b-be9d127961dd" xlink:href="figr-20250930.xsd#figr_SecuritizationCommitmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsDomain_4d1f27b7-a083-40b9-b477-57a434901357" xlink:to="loc_figr_SecuritizationCommitmentsMember_c182b05d-9309-4d06-ac8b-be9d127961dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LoanPurchaseAndServicingCommitmentsMember_4e088b8e-7c34-4508-9d09-40d577349c94" xlink:href="figr-20250930.xsd#figr_LoanPurchaseAndServicingCommitmentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsDomain_4d1f27b7-a083-40b9-b477-57a434901357" xlink:to="loc_figr_LoanPurchaseAndServicingCommitmentsMember_4e088b8e-7c34-4508-9d09-40d577349c94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_bcfd5463-4ea2-4efe-9825-41a78a34d972" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_c2e84ee9-9ac0-490c-b7c9-944f76197518" xlink:to="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_bcfd5463-4ea2-4efe-9825-41a78a34d972" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyNatureDomain_b229d4a8-4b7b-482d-8a25-996c0a649351" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingencyNatureDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_bcfd5463-4ea2-4efe-9825-41a78a34d972" xlink:to="loc_us-gaap_LossContingencyNatureDomain_b229d4a8-4b7b-482d-8a25-996c0a649351" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ObligationToRepurchaseReceivablesSoldMember_81f72ae8-a8d0-4ef6-b60b-55a52c21be80" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ObligationToRepurchaseReceivablesSoldMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_b229d4a8-4b7b-482d-8a25-996c0a649351" xlink:to="loc_us-gaap_ObligationToRepurchaseReceivablesSoldMember_81f72ae8-a8d0-4ef6-b60b-55a52c21be80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_277b26b8-29c3-460f-989a-183af6a86aed" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_c2e84ee9-9ac0-490c-b7c9-944f76197518" xlink:to="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_277b26b8-29c3-460f-989a-183af6a86aed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EquityMethodInvesteeNameDomain_e6aa096d-1ee3-4cb9-a0e8-41c8f99f2c6d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_EquityMethodInvesteeNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_277b26b8-29c3-460f-989a-183af6a86aed" xlink:to="loc_srt_EquityMethodInvesteeNameDomain_e6aa096d-1ee3-4cb9-a0e8-41c8f99f2c6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_JointVentureMember_b7099795-1241-499c-bbe2-3964bae3320d" xlink:href="figr-20250930.xsd#figr_JointVentureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_e6aa096d-1ee3-4cb9-a0e8-41c8f99f2c6d" xlink:to="loc_figr_JointVentureMember_b7099795-1241-499c-bbe2-3964bae3320d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipAxis_0b9e37d5-d17b-4d41-8d8d-4d19cdb1cd88" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_c2e84ee9-9ac0-490c-b7c9-944f76197518" xlink:to="loc_srt_OwnershipAxis_0b9e37d5-d17b-4d41-8d8d-4d19cdb1cd88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipDomain_b20812af-1a5f-4811-917c-93cdd85a3f90" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipAxis_0b9e37d5-d17b-4d41-8d8d-4d19cdb1cd88" xlink:to="loc_srt_OwnershipDomain_b20812af-1a5f-4811-917c-93cdd85a3f90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_JointVentureMember_09907e52-f54a-45db-b9b6-99db5100eafd" xlink:href="figr-20250930.xsd#figr_JointVentureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_OwnershipDomain_b20812af-1a5f-4811-917c-93cdd85a3f90" xlink:to="loc_figr_JointVentureMember_09907e52-f54a-45db-b9b6-99db5100eafd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_c2e84ee9-9ac0-490c-b7c9-944f76197518" xlink:to="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation_d270ff42-c5d6-4129-97ff-9c420612531e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligation"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_ContractualObligation_d270ff42-c5d6-4129-97ff-9c420612531e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableTermToBorrowUndrawnFunds_1c87030f-8b1c-4eb9-993b-5898d3d46e41" xlink:href="figr-20250930.xsd#figr_FinancingReceivableTermToBorrowUndrawnFunds"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_figr_FinancingReceivableTermToBorrowUndrawnFunds_1c87030f-8b1c-4eb9-993b-5898d3d46e41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend_141999bc-a76f-428a-bed0-30bd69c7846c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend_141999bc-a76f-428a-bed0-30bd69c7846c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FinancingReceivableModifiedCommitmentToLendSettledWithinAWeek_5d9c7845-20e3-4a8d-832c-e78b193df20c" xlink:href="figr-20250930.xsd#figr_FinancingReceivableModifiedCommitmentToLendSettledWithinAWeek"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_figr_FinancingReceivableModifiedCommitmentToLendSettledWithinAWeek_5d9c7845-20e3-4a8d-832c-e78b193df20c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_GainLossOnLoansRepurchaseObligations_972ff817-f1cc-4ff4-9433-47d5c0a006f2" xlink:href="figr-20250930.xsd#figr_GainLossOnLoansRepurchaseObligations"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_figr_GainLossOnLoansRepurchaseObligations_972ff817-f1cc-4ff4-9433-47d5c0a006f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LossContingencyUnpaidPrincipalBalanceOfObligationsToRepurchaseReceivablesSold_c022bf10-f33d-492b-b79b-fd701a5eef4f" xlink:href="figr-20250930.xsd#figr_LossContingencyUnpaidPrincipalBalanceOfObligationsToRepurchaseReceivablesSold"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_figr_LossContingencyUnpaidPrincipalBalanceOfObligationsToRepurchaseReceivablesSold_c022bf10-f33d-492b-b79b-fd701a5eef4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyAccrualAtCarryingValue_b593ba5d-3a1b-41da-8413-bea03ad94541" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingencyAccrualAtCarryingValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_LossContingencyAccrualAtCarryingValue_b593ba5d-3a1b-41da-8413-bea03ad94541" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_ff369ed4-92c2-42c0-960e-89ed74f005f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_ff369ed4-92c2-42c0-960e-89ed74f005f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInJointVenture_e931f19f-7889-45cf-92fb-3cf6e254daec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireInterestInJointVenture"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInJointVenture_e931f19f-7889-45cf-92fb-3cf6e254daec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseExpense_d1e1a3d1-40e6-40f9-a03a-f4cd9c5c7442" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseExpense"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_OperatingLeaseExpense_d1e1a3d1-40e6-40f9-a03a-f4cd9c5c7442" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_275d7272-fd9f-4111-8432-77405fd0f6ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_275d7272-fd9f-4111-8432-77405fd0f6ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_f2b0ab36-8cb6-4124-b1b9-3f31ecdf9805" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_OperatingLeaseLiability_f2b0ab36-8cb6-4124-b1b9-3f31ecdf9805" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_f6ed948e-a9f9-4d37-ae96-048747077c52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_f6ed948e-a9f9-4d37-ae96-048747077c52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_bc02b7b6-c91f-4996-be1f-65eb07eb0c60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_bc02b7b6-c91f-4996-be1f-65eb07eb0c60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasePayments_f20927cd-e1ea-4e08-9a4c-1d44848e9bb8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeasePayments"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_OperatingLeasePayments_f20927cd-e1ea-4e08-9a4c-1d44848e9bb8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseTermOfContract_b1ba5e08-7669-48c8-9aac-976742e40189" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseTermOfContract"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_c00f1f24-972f-41fe-8153-681c78339b17" xlink:to="loc_us-gaap_LesseeOperatingLeaseTermOfContract_b1ba5e08-7669-48c8-9aac-976742e40189" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/COMMITMENTSANDCONTINGENCIESFutureMinimumLeasePaymentsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#COMMITMENTSANDCONTINGENCIESFutureMinimumLeasePaymentsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/COMMITMENTSANDCONTINGENCIESFutureMinimumLeasePaymentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_0c441cfb-25b0-4a25-b2e4-41721ed952ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_0c441cfb-25b0-4a25-b2e4-41721ed952ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c5a7fc7b-3251-4a47-a2b7-67ff002bb3e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c5a7fc7b-3251-4a47-a2b7-67ff002bb3e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_f9976051-0ed0-417e-bad1-024f7183138e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_f9976051-0ed0-417e-bad1-024f7183138e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_17a5d4bb-84bd-4635-9157-fb6dbc3cb9e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_17a5d4bb-84bd-4635-9157-fb6dbc3cb9e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_b73f54e3-979e-4ec7-ac3e-529784ef2ea6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_b73f54e3-979e-4ec7-ac3e-529784ef2ea6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour_e5666a8d-a997-4b99-b934-0f80e0c80201" xlink:href="figr-20250930.xsd#figr_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_figr_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour_e5666a8d-a997-4b99-b934-0f80e0c80201" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_2191d2c8-5ef6-4ff2-b510-fde560b205df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_2191d2c8-5ef6-4ff2-b510-fde560b205df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_4bd28b3d-9c2c-479c-9409-d84604c93e7e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_4bd28b3d-9c2c-479c-9409-d84604c93e7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_f25f2edc-d4cf-4fc0-b159-9d2943f792d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_a9cfe5f5-19ef-4c8a-994e-b8c7385594ce" xlink:to="loc_us-gaap_OperatingLeaseLiability_f25f2edc-d4cf-4fc0-b159-9d2943f792d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/RELATEDPARTYTRANSACTIONSNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#RELATEDPARTYTRANSACTIONSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/RELATEDPARTYTRANSACTIONSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract_7057e00c-66a3-4f78-a44c-7695198f45cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_a5a67485-d9d4-4287-a562-8fed1346743f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract_7057e00c-66a3-4f78-a44c-7695198f45cf" xlink:to="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_a5a67485-d9d4-4287-a562-8fed1346743f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_e0893bd0-65cd-4d5c-8feb-56b88018f2a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_a5a67485-d9d4-4287-a562-8fed1346743f" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_e0893bd0-65cd-4d5c-8feb-56b88018f2a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_6e9aca90-5d3f-4571-84f9-5b5f493e82f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_e0893bd0-65cd-4d5c-8feb-56b88018f2a5" xlink:to="loc_us-gaap_RelatedPartyDomain_6e9aca90-5d3f-4571-84f9-5b5f493e82f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_AffiliatedEntityMember_9fbb1f16-9224-4007-9743-bb10a1003d8f" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_AffiliatedEntityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_6e9aca90-5d3f-4571-84f9-5b5f493e82f6" xlink:to="loc_srt_AffiliatedEntityMember_9fbb1f16-9224-4007-9743-bb10a1003d8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvesteeMember_55e74ecc-1e2a-44c6-82f5-17423de0cc2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvesteeMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_6e9aca90-5d3f-4571-84f9-5b5f493e82f6" xlink:to="loc_us-gaap_EquityMethodInvesteeMember_55e74ecc-1e2a-44c6-82f5-17423de0cc2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MajorityShareholderMember_8807ba4f-e79b-446c-889c-f9cfa88b3ffc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MajorityShareholderMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_6e9aca90-5d3f-4571-84f9-5b5f493e82f6" xlink:to="loc_us-gaap_MajorityShareholderMember_8807ba4f-e79b-446c-889c-f9cfa88b3ffc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyMember_31c4d8e2-a5c5-4dde-8454-e19d95358050" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_6e9aca90-5d3f-4571-84f9-5b5f493e82f6" xlink:to="loc_us-gaap_RelatedPartyMember_31c4d8e2-a5c5-4dde-8454-e19d95358050" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionAxis_73cc1141-0686-4a5e-a95c-08d0fbe487cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_a5a67485-d9d4-4287-a562-8fed1346743f" xlink:to="loc_us-gaap_RelatedPartyTransactionAxis_73cc1141-0686-4a5e-a95c-08d0fbe487cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionDomain_2620b363-85ab-418b-b72f-c8f2d57d3c48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionAxis_73cc1141-0686-4a5e-a95c-08d0fbe487cf" xlink:to="loc_us-gaap_RelatedPartyTransactionDomain_2620b363-85ab-418b-b72f-c8f2d57d3c48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProvenanceTermNoteMember_7ce35a59-0aa4-4968-8f71-c9f7b8d307e4" xlink:href="figr-20250930.xsd#figr_ProvenanceTermNoteMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain_2620b363-85ab-418b-b72f-c8f2d57d3c48" xlink:to="loc_figr_ProvenanceTermNoteMember_7ce35a59-0aa4-4968-8f71-c9f7b8d307e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProvenanceServiceAgreementMember_dcae4e7d-1dfb-4449-ba70-6be7978df1b8" xlink:href="figr-20250930.xsd#figr_ProvenanceServiceAgreementMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain_2620b363-85ab-418b-b72f-c8f2d57d3c48" xlink:to="loc_figr_ProvenanceServiceAgreementMember_dcae4e7d-1dfb-4449-ba70-6be7978df1b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_5ed6bf4e-591c-4c46-ae88-8ec4662b697a" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_a5a67485-d9d4-4287-a562-8fed1346743f" xlink:to="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_5ed6bf4e-591c-4c46-ae88-8ec4662b697a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EquityMethodInvesteeNameDomain_dcd8637a-0efc-4ad7-834c-759e0d67a636" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_EquityMethodInvesteeNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_5ed6bf4e-591c-4c46-ae88-8ec4662b697a" xlink:to="loc_srt_EquityMethodInvesteeNameDomain_dcd8637a-0efc-4ad7-834c-759e0d67a636" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ReflowMember_a9551c11-2ffb-4a70-8f62-f0edee196351" xlink:href="figr-20250930.xsd#figr_ReflowMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_dcd8637a-0efc-4ad7-834c-759e0d67a636" xlink:to="loc_figr_ReflowMember_a9551c11-2ffb-4a70-8f62-f0edee196351" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_9406fac7-5ea2-4c93-b62c-5fd6f3a16d35" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CounterpartyNameAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_a5a67485-d9d4-4287-a562-8fed1346743f" xlink:to="loc_srt_CounterpartyNameAxis_9406fac7-5ea2-4c93-b62c-5fd6f3a16d35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_631cf71a-5f34-4615-8e8f-4c6b013fcb08" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CounterpartyNameAxis_9406fac7-5ea2-4c93-b62c-5fd6f3a16d35" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_631cf71a-5f34-4615-8e8f-4c6b013fcb08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_EmployeeMember_3c816f5f-1d00-49a1-ada2-fc352d2eeed7" xlink:href="figr-20250930.xsd#figr_EmployeeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_631cf71a-5f34-4615-8e8f-4c6b013fcb08" xlink:to="loc_figr_EmployeeMember_3c816f5f-1d00-49a1-ada2-fc352d2eeed7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_a5a67485-d9d4-4287-a562-8fed1346743f" xlink:to="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_8c324e4c-5b9c-44d3-a381-a4d321eb9b96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_8c324e4c-5b9c-44d3-a381-a4d321eb9b96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_46999286-4b71-44ca-8080-2e232d3cbf20" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_46999286-4b71-44ca-8080-2e232d3cbf20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt_fde87c8f-8000-4e1b-b39f-e97c48ec3415" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_InterestExpenseLongTermDebt_fde87c8f-8000-4e1b-b39f-e97c48ec3415" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_LongTermDebtInterestReduction_bcddf278-71cf-4065-867b-9ed99ae66e2f" xlink:href="figr-20250930.xsd#figr_LongTermDebtInterestReduction"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_figr_LongTermDebtInterestReduction_bcddf278-71cf-4065-867b-9ed99ae66e2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_OperationsAndProcessingExpense_ed8969a9-92e9-4d3e-a47a-930191fbf7ba" xlink:href="figr-20250930.xsd#figr_OperationsAndProcessingExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_figr_OperationsAndProcessingExpense_ed8969a9-92e9-4d3e-a47a-930191fbf7ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent_bb3c4de0-9bfd-4f50-bdf8-8079b2aaf664" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent_bb3c4de0-9bfd-4f50-bdf8-8079b2aaf664" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentOwnershipPercentage_908e2291-ba3f-4085-b2cf-1d52da02b7d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentOwnershipPercentage"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_EquityMethodInvestmentOwnershipPercentage_908e2291-ba3f-4085-b2cf-1d52da02b7d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_6fd15447-1522-4cbc-8577-8f20d24717c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_6fd15447-1522-4cbc-8577-8f20d24717c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_e7fa975d-4735-44ea-ac1e-c2d3204fa7a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_e7fa975d-4735-44ea-ac1e-c2d3204fa7a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_d1fa0248-00c4-4db9-ab04-c8aa04cd6d5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_d1fa0248-00c4-4db9-ab04-c8aa04cd6d5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtCurrent_cc8ec6fa-ce02-4c4f-bdd5-f622f8560ea2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtCurrent"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_LongTermDebtCurrent_cc8ec6fa-ce02-4c4f-bdd5-f622f8560ea2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_0cbcb6a3-4be8-4a01-b63f-c0653564a09a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_0cbcb6a3-4be8-4a01-b63f-c0653564a09a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableWithImputedInterestEffectiveYieldInterestRate_5ad77c8b-24a1-4552-b83e-eb146d7d378f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivableWithImputedInterestEffectiveYieldInterestRate"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_ReceivableWithImputedInterestEffectiveYieldInterestRate_5ad77c8b-24a1-4552-b83e-eb146d7d378f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_86bb5577-4367-4ada-8811-6259367baf06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromCollectionOfFinanceReceivables"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_86bb5577-4367-4ada-8811-6259367baf06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProceedsFromCollectionOfFinanceReceivablesPrincipal_248631cd-f6e8-4816-85e5-ff4d300448b6" xlink:href="figr-20250930.xsd#figr_ProceedsFromCollectionOfFinanceReceivablesPrincipal"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_figr_ProceedsFromCollectionOfFinanceReceivablesPrincipal_248631cd-f6e8-4816-85e5-ff4d300448b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ProceedsFromCollectionOfFinanceReceivablesInterest_5fd82a44-38b5-45cb-8d6e-04f6c8c0837f" xlink:href="figr-20250930.xsd#figr_ProceedsFromCollectionOfFinanceReceivablesInterest"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_bb346d4c-9139-42de-9c71-aac951cdc365" xlink:to="loc_figr_ProceedsFromCollectionOfFinanceReceivablesInterest_5fd82a44-38b5-45cb-8d6e-04f6c8c0837f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/RELATEDPARTYTRANSACTIONSScheduleofrelatedpartycontributionsgrossofdistributionsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#RELATEDPARTYTRANSACTIONSScheduleofrelatedpartycontributionsgrossofdistributionsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/RELATEDPARTYTRANSACTIONSScheduleofrelatedpartycontributionsgrossofdistributionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract_1c6d7d7a-a0b9-455e-99af-f42ece3607f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_78dfedea-91fd-487a-b959-4d3883c71c0c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract_1c6d7d7a-a0b9-455e-99af-f42ece3607f0" xlink:to="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_78dfedea-91fd-487a-b959-4d3883c71c0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_c76b2eca-eedf-4c1e-8ae8-4cd025972cc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_78dfedea-91fd-487a-b959-4d3883c71c0c" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_c76b2eca-eedf-4c1e-8ae8-4cd025972cc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_d57ec47c-34a6-47f3-abef-1c4055d84523" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_c76b2eca-eedf-4c1e-8ae8-4cd025972cc2" xlink:to="loc_us-gaap_RelatedPartyDomain_d57ec47c-34a6-47f3-abef-1c4055d84523" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyMember_808b89ad-676a-4005-8b9e-bad9e2fa341b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_d57ec47c-34a6-47f3-abef-1c4055d84523" xlink:to="loc_us-gaap_RelatedPartyMember_808b89ad-676a-4005-8b9e-bad9e2fa341b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvesteeMember_4f04637f-ce3b-48c8-8752-a99815b66983" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvesteeMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_d57ec47c-34a6-47f3-abef-1c4055d84523" xlink:to="loc_us-gaap_EquityMethodInvesteeMember_4f04637f-ce3b-48c8-8752-a99815b66983" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_0f21bcb8-f559-49af-b471-dd37fb62bb13" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_78dfedea-91fd-487a-b959-4d3883c71c0c" xlink:to="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_0f21bcb8-f559-49af-b471-dd37fb62bb13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_EquityMethodInvesteeNameDomain_4df3464f-8cde-49fb-a2d0-919df06e336f" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_EquityMethodInvesteeNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis_0f21bcb8-f559-49af-b471-dd37fb62bb13" xlink:to="loc_srt_EquityMethodInvesteeNameDomain_4df3464f-8cde-49fb-a2d0-919df06e336f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DomesticSolanaFundMember_18f42927-9fe1-4128-ae13-abc3b89c1b7b" xlink:href="figr-20250930.xsd#figr_DomesticSolanaFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_EquityMethodInvesteeNameDomain_4df3464f-8cde-49fb-a2d0-919df06e336f" xlink:to="loc_figr_DomesticSolanaFundMember_18f42927-9fe1-4128-ae13-abc3b89c1b7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems_d8ae714b-377f-459e-9cae-dc019cfabacb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_78dfedea-91fd-487a-b959-4d3883c71c0c" xlink:to="loc_us-gaap_RelatedPartyTransactionLineItems_d8ae714b-377f-459e-9cae-dc019cfabacb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_914a33a9-755b-4d81-85e2-92e99dba3a08" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_d8ae714b-377f-459e-9cae-dc019cfabacb" xlink:to="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_914a33a9-755b-4d81-85e2-92e99dba3a08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_c1ddf826-5c2c-4038-bc4a-57b296b2d327" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_d8ae714b-377f-459e-9cae-dc019cfabacb" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_c1ddf826-5c2c-4038-bc4a-57b296b2d327" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/FAIRVALUEMEASUREMENTSAssetsandLiabilitiesMeasuredatFairValueDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#FAIRVALUEMEASUREMENTSAssetsandLiabilitiesMeasuredatFairValueDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/FAIRVALUEMEASUREMENTSAssetsandLiabilitiesMeasuredatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_1d67b8d8-ad6f-4ed4-bf98-dec0145edd22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_177b8087-9d5d-47bf-a612-c212ea3e83b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_1d67b8d8-ad6f-4ed4-bf98-dec0145edd22" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_177b8087-9d5d-47bf-a612-c212ea3e83b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_39436784-27c0-4698-bbd9-5b67cd8e9022" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_177b8087-9d5d-47bf-a612-c212ea3e83b2" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_39436784-27c0-4698-bbd9-5b67cd8e9022" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_17599c53-af02-433a-8ed2-801626202a16" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_39436784-27c0-4698-bbd9-5b67cd8e9022" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_17599c53-af02-433a-8ed2-801626202a16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_7db16ddc-9556-4428-aa3f-978f047327fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_17599c53-af02-433a-8ed2-801626202a16" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_7db16ddc-9556-4428-aa3f-978f047327fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_411550d9-6493-4f35-b352-49c95d5cd964" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_177b8087-9d5d-47bf-a612-c212ea3e83b2" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_411550d9-6493-4f35-b352-49c95d5cd964" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fb7e54db-ad0f-44bd-b538-a91dcff9bb42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_411550d9-6493-4f35-b352-49c95d5cd964" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fb7e54db-ad0f-44bd-b538-a91dcff9bb42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_3c41af9a-2763-4071-92c4-639b727624ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fb7e54db-ad0f-44bd-b538-a91dcff9bb42" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_3c41af9a-2763-4071-92c4-639b727624ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_3e1e2670-3b5f-496a-ba27-54b02b57d094" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fb7e54db-ad0f-44bd-b538-a91dcff9bb42" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_3e1e2670-3b5f-496a-ba27-54b02b57d094" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_38afa414-ddf1-4299-9101-b31644ca325d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fb7e54db-ad0f-44bd-b538-a91dcff9bb42" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_38afa414-ddf1-4299-9101-b31644ca325d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_abdbaa15-5778-45d9-90cf-b4c56e196456" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_177b8087-9d5d-47bf-a612-c212ea3e83b2" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_abdbaa15-5778-45d9-90cf-b4c56e196456" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_7c0298d4-10c7-46e2-bac4-20880cd0e4ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_abdbaa15-5778-45d9-90cf-b4c56e196456" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_7c0298d4-10c7-46e2-bac4-20880cd0e4ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_6d685ab6-726c-4ed9-9627-ee4254b7649b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_7c0298d4-10c7-46e2-bac4-20880cd0e4ce" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_6d685ab6-726c-4ed9-9627-ee4254b7649b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_726e9c7d-d98d-4c24-afc4-053eb974b823" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_6d685ab6-726c-4ed9-9627-ee4254b7649b" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_726e9c7d-d98d-4c24-afc4-053eb974b823" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_821ce7ad-bf98-4dbc-9aa7-ea92ce47d487" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_6d685ab6-726c-4ed9-9627-ee4254b7649b" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_821ce7ad-bf98-4dbc-9aa7-ea92ce47d487" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_ec7314bf-bdfd-49ad-aa19-524a50f16760" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_177b8087-9d5d-47bf-a612-c212ea3e83b2" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_ec7314bf-bdfd-49ad-aa19-524a50f16760" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_ec7314bf-bdfd-49ad-aa19-524a50f16760" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_7534753d-5e73-40d8-96d6-3593d607b669" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_7534753d-5e73-40d8-96d6-3593d607b669" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_RestrictedCashAndCashEquivalentsFairValueDisclosure_5cd34a5c-c4dc-4f6c-90ca-2753ad2e2ae9" xlink:href="figr-20250930.xsd#figr_RestrictedCashAndCashEquivalentsFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_figr_RestrictedCashAndCashEquivalentsFairValueDisclosure_5cd34a5c-c4dc-4f6c-90ca-2753ad2e2ae9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetFairValue_3d65bd32-c44d-44cf-a2b1-a32144c5c3f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_us-gaap_CryptoAssetFairValue_3d65bd32-c44d-44cf-a2b1-a32144c5c3f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DistressedAssetsFairValueDisclosure_7c91ecd7-f2d5-454e-aa84-b22449c7c4b0" xlink:href="figr-20250930.xsd#figr_DistressedAssetsFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_figr_DistressedAssetsFairValueDisclosure_7c91ecd7-f2d5-454e-aa84-b22449c7c4b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesFairValueOption_2491eac2-9c51-4032-bc53-2948c986c659" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesFairValueOption"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_figr_MarketableSecuritiesFairValueOption_2491eac2-9c51-4032-bc53-2948c986c659" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_c48cb455-135e-4e2c-a551-b274d7ef773d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_c48cb455-135e-4e2c-a551-b274d7ef773d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_b9010ac4-7e7b-4420-9aa1-c3f31c6a0fe7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_b9010ac4-7e7b-4420-9aa1-c3f31c6a0fe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_a0191a51-85fe-4707-a531-9bc722c575fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_us-gaap_DerivativeAssets_a0191a51-85fe-4707-a531-9bc722c575fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_faf0f36a-c0de-4eae-bba1-4f380f06d398" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_9fa6f176-caf8-4410-b7a0-eeecfcef7f69" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_faf0f36a-c0de-4eae-bba1-4f380f06d398" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_d818bed1-25b3-4486-88f3-dc74fcbb1871" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_ec7314bf-bdfd-49ad-aa19-524a50f16760" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_d818bed1-25b3-4486-88f3-dc74fcbb1871" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_DigitalAssetCollateralRepaymentObligationLiabilityFairValueDisclosure_a2e70e36-1e5e-4fec-a101-500d83b4cba5" xlink:href="figr-20250930.xsd#figr_DigitalAssetCollateralRepaymentObligationLiabilityFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_d818bed1-25b3-4486-88f3-dc74fcbb1871" xlink:to="loc_figr_DigitalAssetCollateralRepaymentObligationLiabilityFairValueDisclosure_a2e70e36-1e5e-4fec-a101-500d83b4cba5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CertificateRepaymentObligationLiabilityFairValueDisclosure_4bba3fde-a58b-4977-911a-d963258bae92" xlink:href="figr-20250930.xsd#figr_CertificateRepaymentObligationLiabilityFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_d818bed1-25b3-4486-88f3-dc74fcbb1871" xlink:to="loc_figr_CertificateRepaymentObligationLiabilityFairValueDisclosure_4bba3fde-a58b-4977-911a-d963258bae92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_9f481806-bcf6-4e7d-aade-f5c00b915349" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_d818bed1-25b3-4486-88f3-dc74fcbb1871" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosure_9f481806-bcf6-4e7d-aade-f5c00b915349" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/FAIRVALUEMEASUREMENTSSignificantValuationInputsDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#FAIRVALUEMEASUREMENTSSignificantValuationInputsDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/FAIRVALUEMEASUREMENTSSignificantValuationInputsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_04e9256e-70fa-4fcc-8d33-1420ee741782" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5d1b1b2b-b484-4aa8-b683-ab51d829c3fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_04e9256e-70fa-4fcc-8d33-1420ee741782" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5d1b1b2b-b484-4aa8-b683-ab51d829c3fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_7bb45841-53aa-4187-8d0d-98aa59d1f519" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5d1b1b2b-b484-4aa8-b683-ab51d829c3fd" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_7bb45841-53aa-4187-8d0d-98aa59d1f519" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_baa84f97-39a3-4488-bc12-80e48779fdc9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_7bb45841-53aa-4187-8d0d-98aa59d1f519" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_baa84f97-39a3-4488-bc12-80e48779fdc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_9ce749dd-b204-4f8f-b055-24bf1a79d42b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_baa84f97-39a3-4488-bc12-80e48779fdc9" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_9ce749dd-b204-4f8f-b055-24bf1a79d42b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_7ae14752-c34c-4d8f-ac8b-ae861fe472d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5d1b1b2b-b484-4aa8-b683-ab51d829c3fd" xlink:to="loc_us-gaap_FinancialInstrumentAxis_7ae14752-c34c-4d8f-ac8b-ae861fe472d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_af6b206c-7439-4a02-804a-1701fddaa880" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_7ae14752-c34c-4d8f-ac8b-ae861fe472d8" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_af6b206c-7439-4a02-804a-1701fddaa880" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ResidualInterestSecuritiesMember_999f35d2-2e81-4bda-b185-ba5b6f3a51dc" xlink:href="figr-20250930.xsd#figr_ResidualInterestSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_af6b206c-7439-4a02-804a-1701fddaa880" xlink:to="loc_figr_ResidualInterestSecuritiesMember_999f35d2-2e81-4bda-b185-ba5b6f3a51dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_1c0ec3d4-e0ba-456d-9c79-c0edf3bae072" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_af6b206c-7439-4a02-804a-1701fddaa880" xlink:to="loc_us-gaap_HomeEquityMember_1c0ec3d4-e0ba-456d-9c79-c0edf3bae072" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MortgageLoansMember_10bd9432-ffb8-4eed-85f1-71200deb2f6f" xlink:href="figr-20250930.xsd#figr_MortgageLoansMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_af6b206c-7439-4a02-804a-1701fddaa880" xlink:to="loc_figr_MortgageLoansMember_10bd9432-ffb8-4eed-85f1-71200deb2f6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerLoanMember_b037e917-ea1c-4936-9d9c-b290ae8b66d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_af6b206c-7439-4a02-804a-1701fddaa880" xlink:to="loc_us-gaap_ConsumerLoanMember_b037e917-ea1c-4936-9d9c-b290ae8b66d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerOtherMember_8fe2ce5a-bef0-4031-9570-abff9a1f84b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerOtherMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_af6b206c-7439-4a02-804a-1701fddaa880" xlink:to="loc_us-gaap_ConsumerOtherMember_8fe2ce5a-bef0-4031-9570-abff9a1f84b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_10f8de98-99b4-4e08-80a8-4918b1009b93" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5d1b1b2b-b484-4aa8-b683-ab51d829c3fd" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_10f8de98-99b4-4e08-80a8-4918b1009b93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_72ba2d53-53c9-438b-bb9b-f887211fe55c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_10f8de98-99b4-4e08-80a8-4918b1009b93" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_72ba2d53-53c9-438b-bb9b-f887211fe55c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_d5279ca9-8873-4508-be5f-92473674bd60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_72ba2d53-53c9-438b-bb9b-f887211fe55c" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_d5279ca9-8873-4508-be5f-92473674bd60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember_2487d3d1-38ce-4a2d-a61c-495528422068" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputConstantPrepaymentRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_72ba2d53-53c9-438b-bb9b-f887211fe55c" xlink:to="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember_2487d3d1-38ce-4a2d-a61c-495528422068" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MeasurementInputConstantDiscountRateMember_26521198-bb1d-4a50-9f5d-9a4535d9e120" xlink:href="figr-20250930.xsd#figr_MeasurementInputConstantDiscountRateMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_72ba2d53-53c9-438b-bb9b-f887211fe55c" xlink:to="loc_figr_MeasurementInputConstantDiscountRateMember_26521198-bb1d-4a50-9f5d-9a4535d9e120" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MeasurementInputServicingRateMember_04918cab-f5cf-4144-9fad-09ee322b5974" xlink:href="figr-20250930.xsd#figr_MeasurementInputServicingRateMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_72ba2d53-53c9-438b-bb9b-f887211fe55c" xlink:to="loc_figr_MeasurementInputServicingRateMember_04918cab-f5cf-4144-9fad-09ee322b5974" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputLossSeverityMember_063786bf-66ba-4673-bafa-a86769437797" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputLossSeverityMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_72ba2d53-53c9-438b-bb9b-f887211fe55c" xlink:to="loc_us-gaap_MeasurementInputLossSeverityMember_063786bf-66ba-4673-bafa-a86769437797" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_a5b91f2c-d458-41b1-b8f6-62b2e75942f1" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5d1b1b2b-b484-4aa8-b683-ab51d829c3fd" xlink:to="loc_srt_RangeAxis_a5b91f2c-d458-41b1-b8f6-62b2e75942f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_47b8d4fc-adfe-4304-8fc9-d288a83e12e9" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_a5b91f2c-d458-41b1-b8f6-62b2e75942f1" xlink:to="loc_srt_RangeMember_47b8d4fc-adfe-4304-8fc9-d288a83e12e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_367e1b60-9a1b-4f01-bb25-6d68370dab2a" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_47b8d4fc-adfe-4304-8fc9-d288a83e12e9" xlink:to="loc_srt_MinimumMember_367e1b60-9a1b-4f01-bb25-6d68370dab2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_80957d02-ef47-498d-a131-1735a429e400" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_47b8d4fc-adfe-4304-8fc9-d288a83e12e9" xlink:to="loc_srt_MaximumMember_80957d02-ef47-498d-a131-1735a429e400" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_ae59a3a6-326c-473e-aad8-0cea5986db31" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_47b8d4fc-adfe-4304-8fc9-d288a83e12e9" xlink:to="loc_srt_WeightedAverageMember_ae59a3a6-326c-473e-aad8-0cea5986db31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_682e0356-b421-45d6-a391-cff3372558bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5d1b1b2b-b484-4aa8-b683-ab51d829c3fd" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_682e0356-b421-45d6-a391-cff3372558bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesFairValueOption_7412768b-0339-40f9-99cc-847ec3612960" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesFairValueOption"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_682e0356-b421-45d6-a391-cff3372558bb" xlink:to="loc_figr_MarketableSecuritiesFairValueOption_7412768b-0339-40f9-99cc-847ec3612960" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesFairValueOptionMeasurementInput_b60b7454-0fcb-46da-8ced-edab831b7476" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesFairValueOptionMeasurementInput"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_682e0356-b421-45d6-a391-cff3372558bb" xlink:to="loc_figr_MarketableSecuritiesFairValueOptionMeasurementInput_b60b7454-0fcb-46da-8ced-edab831b7476" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_d0780813-d8c8-4b79-bed2-889ba159cd36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAsset"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_682e0356-b421-45d6-a391-cff3372558bb" xlink:to="loc_us-gaap_ServicingAsset_d0780813-d8c8-4b79-bed2-889ba159cd36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_902c81e7-7d90-4ff2-8a39-f99831073a7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_682e0356-b421-45d6-a391-cff3372558bb" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_902c81e7-7d90-4ff2-8a39-f99831073a7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_3318b9d9-256a-4cb4-a42a-f1b4d9509994" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_682e0356-b421-45d6-a391-cff3372558bb" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_3318b9d9-256a-4cb4-a42a-f1b4d9509994" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleMeasurementInput_b6298864-db0f-4783-ad3d-2f043c6b8690" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleMeasurementInput"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_682e0356-b421-45d6-a391-cff3372558bb" xlink:to="loc_us-gaap_LoansHeldForSaleMeasurementInput_b6298864-db0f-4783-ad3d-2f043c6b8690" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/FAIRVALUEMEASUREMENTSSignificantValuationInputSensitivityDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#FAIRVALUEMEASUREMENTSSignificantValuationInputSensitivityDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/FAIRVALUEMEASUREMENTSSignificantValuationInputSensitivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_1ba21bbe-1c53-49cc-acc4-2fde6b840e17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_c6a70214-ea11-4e1a-b31e-097b78c1d8bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_1ba21bbe-1c53-49cc-acc4-2fde6b840e17" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_c6a70214-ea11-4e1a-b31e-097b78c1d8bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_2fd13b85-9152-460c-9485-6981d6ad1bf7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_c6a70214-ea11-4e1a-b31e-097b78c1d8bf" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_2fd13b85-9152-460c-9485-6981d6ad1bf7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_737d0569-3a6d-429d-b19c-a7c44c09c20e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_2fd13b85-9152-460c-9485-6981d6ad1bf7" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_737d0569-3a6d-429d-b19c-a7c44c09c20e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_9749183a-19fb-4663-842b-81eeeb28484b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_737d0569-3a6d-429d-b19c-a7c44c09c20e" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_9749183a-19fb-4663-842b-81eeeb28484b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_b23fab7d-508b-4ae9-bb32-4b348028f0b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_c6a70214-ea11-4e1a-b31e-097b78c1d8bf" xlink:to="loc_us-gaap_FinancialInstrumentAxis_b23fab7d-508b-4ae9-bb32-4b348028f0b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c1987520-0c1f-4736-9b89-399ce16df74d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_b23fab7d-508b-4ae9-bb32-4b348028f0b1" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c1987520-0c1f-4736-9b89-399ce16df74d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ResidualInterestSecuritiesMember_6d233376-d1ca-4e45-a333-56c0ec6f25d0" xlink:href="figr-20250930.xsd#figr_ResidualInterestSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c1987520-0c1f-4736-9b89-399ce16df74d" xlink:to="loc_figr_ResidualInterestSecuritiesMember_6d233376-d1ca-4e45-a333-56c0ec6f25d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_cc6d5ae8-7caa-45c6-9898-c7d7a16ce94c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c1987520-0c1f-4736-9b89-399ce16df74d" xlink:to="loc_us-gaap_HomeEquityMember_cc6d5ae8-7caa-45c6-9898-c7d7a16ce94c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MortgageLoansMember_8990d77e-e14d-452f-9616-667c6b89dc60" xlink:href="figr-20250930.xsd#figr_MortgageLoansMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c1987520-0c1f-4736-9b89-399ce16df74d" xlink:to="loc_figr_MortgageLoansMember_8990d77e-e14d-452f-9616-667c6b89dc60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerLoanMember_8a840c1b-82e5-4236-aa7d-d824322fe1f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c1987520-0c1f-4736-9b89-399ce16df74d" xlink:to="loc_us-gaap_ConsumerLoanMember_8a840c1b-82e5-4236-aa7d-d824322fe1f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_dd7fa132-b88c-41b5-9177-e02750185b46" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_c6a70214-ea11-4e1a-b31e-097b78c1d8bf" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_dd7fa132-b88c-41b5-9177-e02750185b46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_9434f9a2-50af-4b4c-8a94-362dc0f9a637" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_dd7fa132-b88c-41b5-9177-e02750185b46" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_9434f9a2-50af-4b4c-8a94-362dc0f9a637" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_6a21242a-2de4-45cc-bb09-8c2acf224496" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_9434f9a2-50af-4b4c-8a94-362dc0f9a637" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_6a21242a-2de4-45cc-bb09-8c2acf224496" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember_154778ee-bb2c-49b7-be09-a2c2b11b0161" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputConstantPrepaymentRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_9434f9a2-50af-4b4c-8a94-362dc0f9a637" xlink:to="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember_154778ee-bb2c-49b7-be09-a2c2b11b0161" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MeasurementInputConstantDiscountRateMember_8a83e929-b9c2-40d0-bc8e-7ad4b120b89b" xlink:href="figr-20250930.xsd#figr_MeasurementInputConstantDiscountRateMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_9434f9a2-50af-4b4c-8a94-362dc0f9a637" xlink:to="loc_figr_MeasurementInputConstantDiscountRateMember_8a83e929-b9c2-40d0-bc8e-7ad4b120b89b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MeasurementInputServicingRateMember_b9859c6c-f85c-4100-aaae-bf24c944de07" xlink:href="figr-20250930.xsd#figr_MeasurementInputServicingRateMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_9434f9a2-50af-4b4c-8a94-362dc0f9a637" xlink:to="loc_figr_MeasurementInputServicingRateMember_b9859c6c-f85c-4100-aaae-bf24c944de07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputLossSeverityMember_3931d95c-9daa-4d36-ab12-3b2637f949fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputLossSeverityMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_9434f9a2-50af-4b4c-8a94-362dc0f9a637" xlink:to="loc_us-gaap_MeasurementInputLossSeverityMember_3931d95c-9daa-4d36-ab12-3b2637f949fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FairValueSensitivityAxis_24225ad0-1848-492b-8b4e-0abee26b1c6c" xlink:href="figr-20250930.xsd#figr_FairValueSensitivityAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_c6a70214-ea11-4e1a-b31e-097b78c1d8bf" xlink:to="loc_figr_FairValueSensitivityAxis_24225ad0-1848-492b-8b4e-0abee26b1c6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:href="figr-20250930.xsd#figr_FairValueSensitivityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityAxis_24225ad0-1848-492b-8b4e-0abee26b1c6c" xlink:to="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ImpactOfMinus2PercentageMember_d325686e-f437-4185-8971-2d024340bcaa" xlink:href="figr-20250930.xsd#figr_ImpactOfMinus2PercentageMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:to="loc_figr_ImpactOfMinus2PercentageMember_d325686e-f437-4185-8971-2d024340bcaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ChangeImpactMinus1PercentageMember_8ff15d6a-3dba-40a7-ae86-9d52296d58f7" xlink:href="figr-20250930.xsd#figr_ChangeImpactMinus1PercentageMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:to="loc_figr_ChangeImpactMinus1PercentageMember_8ff15d6a-3dba-40a7-ae86-9d52296d58f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ChangeImpactPlus1PercentageMember_f213c404-7a9e-469d-a7b0-4739690e31fb" xlink:href="figr-20250930.xsd#figr_ChangeImpactPlus1PercentageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:to="loc_figr_ChangeImpactPlus1PercentageMember_f213c404-7a9e-469d-a7b0-4739690e31fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ChangeImpactPlus2PercentageMember_ce34c5f7-da2d-4d5c-9b6c-978b8b26bd44" xlink:href="figr-20250930.xsd#figr_ChangeImpactPlus2PercentageMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:to="loc_figr_ChangeImpactPlus2PercentageMember_ce34c5f7-da2d-4d5c-9b6c-978b8b26bd44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ChangeImpactMinus20PercentageMember_e80850cb-0331-4e1c-a54a-493fbcbd3358" xlink:href="figr-20250930.xsd#figr_ChangeImpactMinus20PercentageMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:to="loc_figr_ChangeImpactMinus20PercentageMember_e80850cb-0331-4e1c-a54a-493fbcbd3358" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ChangeImpactMinus10PercentageMember_4e6fee38-4da6-4f4c-b021-05ae5de94257" xlink:href="figr-20250930.xsd#figr_ChangeImpactMinus10PercentageMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:to="loc_figr_ChangeImpactMinus10PercentageMember_4e6fee38-4da6-4f4c-b021-05ae5de94257" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ChangeImpactPlus10PercentageMember_96f78f70-ffca-4f58-8c20-a4279a66205e" xlink:href="figr-20250930.xsd#figr_ChangeImpactPlus10PercentageMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:to="loc_figr_ChangeImpactPlus10PercentageMember_96f78f70-ffca-4f58-8c20-a4279a66205e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ChangeImpactPlus20PercentageMember_b422bbf1-e5c5-4cad-a44b-96cbfb3afa23" xlink:href="figr-20250930.xsd#figr_ChangeImpactPlus20PercentageMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_figr_FairValueSensitivityDomain_3e2f111a-8cd2-47e3-bff0-2125d5996d9d" xlink:to="loc_figr_ChangeImpactPlus20PercentageMember_b422bbf1-e5c5-4cad-a44b-96cbfb3afa23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_803b4742-dd3b-4293-9104-18d042cb69e9" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_c6a70214-ea11-4e1a-b31e-097b78c1d8bf" xlink:to="loc_srt_RangeAxis_803b4742-dd3b-4293-9104-18d042cb69e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_f76f4da7-012b-4cc5-b9ab-c9f7819b9257" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_803b4742-dd3b-4293-9104-18d042cb69e9" xlink:to="loc_srt_RangeMember_f76f4da7-012b-4cc5-b9ab-c9f7819b9257" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_7d234820-fe37-481a-84fe-3ed49f1ec266" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_f76f4da7-012b-4cc5-b9ab-c9f7819b9257" xlink:to="loc_srt_MinimumMember_7d234820-fe37-481a-84fe-3ed49f1ec266" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_789c88a6-75b0-43bd-b916-892e1a383064" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_f76f4da7-012b-4cc5-b9ab-c9f7819b9257" xlink:to="loc_srt_WeightedAverageMember_789c88a6-75b0-43bd-b916-892e1a383064" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_14332fc5-4ec6-48f5-add0-47e6148109d5" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_f76f4da7-012b-4cc5-b9ab-c9f7819b9257" xlink:to="loc_srt_MaximumMember_14332fc5-4ec6-48f5-add0-47e6148109d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_967babdb-41fa-42f0-a9bb-79e5e3d52ded" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_c6a70214-ea11-4e1a-b31e-097b78c1d8bf" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_967babdb-41fa-42f0-a9bb-79e5e3d52ded" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesFairValueOption_25bc8d85-baa8-4ce1-b830-2f6f90a419b2" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesFairValueOption"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_967babdb-41fa-42f0-a9bb-79e5e3d52ded" xlink:to="loc_figr_MarketableSecuritiesFairValueOption_25bc8d85-baa8-4ce1-b830-2f6f90a419b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_MarketableSecuritiesFairValueOptionMeasurementInput_c343cd73-e0ba-4662-af90-1b5d8ccd2e4a" xlink:href="figr-20250930.xsd#figr_MarketableSecuritiesFairValueOptionMeasurementInput"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_967babdb-41fa-42f0-a9bb-79e5e3d52ded" xlink:to="loc_figr_MarketableSecuritiesFairValueOptionMeasurementInput_c343cd73-e0ba-4662-af90-1b5d8ccd2e4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_7a694f4a-322e-4ead-a243-1300c327a645" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAsset"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_967babdb-41fa-42f0-a9bb-79e5e3d52ded" xlink:to="loc_us-gaap_ServicingAsset_7a694f4a-322e-4ead-a243-1300c327a645" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_28bbd0eb-1759-436a-8221-db5928425388" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_967babdb-41fa-42f0-a9bb-79e5e3d52ded" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_28bbd0eb-1759-436a-8221-db5928425388" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_cba28926-13a8-41f0-b9a5-524099255bbf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_967babdb-41fa-42f0-a9bb-79e5e3d52ded" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_cba28926-13a8-41f0-b9a5-524099255bbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleMeasurementInput_6a2f2f55-32eb-431a-8514-04b21433fad6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleMeasurementInput"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_967babdb-41fa-42f0-a9bb-79e5e3d52ded" xlink:to="loc_us-gaap_LoansHeldForSaleMeasurementInput_6a2f2f55-32eb-431a-8514-04b21433fad6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/FAIRVALUEMEASUREMENTSSummaryofActivityInMarketableSecuritiesDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#FAIRVALUEMEASUREMENTSSummaryofActivityInMarketableSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/FAIRVALUEMEASUREMENTSSummaryofActivityInMarketableSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_07d6e774-46c8-4474-95ca-1d4c4e2d6b0c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c076b11d-a2e1-4a3a-b8d8-c255b4dfc518" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_07d6e774-46c8-4474-95ca-1d4c4e2d6b0c" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c076b11d-a2e1-4a3a-b8d8-c255b4dfc518" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_be8ec813-fa88-4201-816c-4ae76bab52db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c076b11d-a2e1-4a3a-b8d8-c255b4dfc518" xlink:to="loc_us-gaap_FinancialInstrumentAxis_be8ec813-fa88-4201-816c-4ae76bab52db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d253333-6bf7-4b49-8817-128584b5ce9c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_be8ec813-fa88-4201-816c-4ae76bab52db" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d253333-6bf7-4b49-8817-128584b5ce9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_ResidualInterestSecuritiesMember_39eeeb20-d0fd-407e-82f4-a65455c402de" xlink:href="figr-20250930.xsd#figr_ResidualInterestSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d253333-6bf7-4b49-8817-128584b5ce9c" xlink:to="loc_figr_ResidualInterestSecuritiesMember_39eeeb20-d0fd-407e-82f4-a65455c402de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d3ecef1d-b0ee-480c-a798-d23857defa3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c076b11d-a2e1-4a3a-b8d8-c255b4dfc518" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d3ecef1d-b0ee-480c-a798-d23857defa3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f33ac6fc-8e54-4eb2-99ec-d22cbc314be2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d3ecef1d-b0ee-480c-a798-d23857defa3d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f33ac6fc-8e54-4eb2-99ec-d22cbc314be2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_dd6f18ac-e2ab-4419-9946-b0274f818475" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f33ac6fc-8e54-4eb2-99ec-d22cbc314be2" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_dd6f18ac-e2ab-4419-9946-b0274f818475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_30133675-c73e-449f-807c-aaf699ec6973" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_c076b11d-a2e1-4a3a-b8d8-c255b4dfc518" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_30133675-c73e-449f-807c-aaf699ec6973" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_2164d33e-e172-4751-8fad-e2862b4601ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_30133675-c73e-449f-807c-aaf699ec6973" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_2164d33e-e172-4751-8fad-e2862b4601ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_b0a3c981-36a1-4f86-96cf-5209125451b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_2164d33e-e172-4751-8fad-e2862b4601ff" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_b0a3c981-36a1-4f86-96cf-5209125451b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_855f19c9-19de-43eb-b6c8-6ed251cb92bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_2164d33e-e172-4751-8fad-e2862b4601ff" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_855f19c9-19de-43eb-b6c8-6ed251cb92bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_f759983c-aa23-4b1e-9ae9-51d6837930dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_2164d33e-e172-4751-8fad-e2862b4601ff" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_f759983c-aa23-4b1e-9ae9-51d6837930dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_21a19e58-a2cf-4af4-9440-5c37c11afcab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_2164d33e-e172-4751-8fad-e2862b4601ff" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_21a19e58-a2cf-4af4-9440-5c37c11afcab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_7da4ccc2-37a4-4eb7-b05a-6f26503cff99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionChangesInFairValueGainLoss1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_2164d33e-e172-4751-8fad-e2862b4601ff" xlink:to="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_7da4ccc2-37a4-4eb7-b05a-6f26503cff99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_d0798a30-1a52-4a18-8bb5-cf75d174b23a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_2164d33e-e172-4751-8fad-e2862b4601ff" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_d0798a30-1a52-4a18-8bb5-cf75d174b23a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/FAIRVALUEMEASUREMENTSAssetsandLiabilitiesNotMeasuredatFairValueonaRecurringBasisDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#FAIRVALUEMEASUREMENTSAssetsandLiabilitiesNotMeasuredatFairValueonaRecurringBasisDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/FAIRVALUEMEASUREMENTSAssetsandLiabilitiesNotMeasuredatFairValueonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_9a32aeff-8c34-480e-99ba-afc1a579bc2f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1b9683ae-26e6-4b69-87cf-dd8a3710d1fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_9a32aeff-8c34-480e-99ba-afc1a579bc2f" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1b9683ae-26e6-4b69-87cf-dd8a3710d1fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_1e4efbaa-f09a-46b3-aa87-925aec71ca9a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1b9683ae-26e6-4b69-87cf-dd8a3710d1fa" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_1e4efbaa-f09a-46b3-aa87-925aec71ca9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_bf742e7b-92cc-4451-8f4b-91ff8086d72f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_1e4efbaa-f09a-46b3-aa87-925aec71ca9a" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_bf742e7b-92cc-4451-8f4b-91ff8086d72f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_f33325af-342f-491e-927b-61e2383a21fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_bf742e7b-92cc-4451-8f4b-91ff8086d72f" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_f33325af-342f-491e-927b-61e2383a21fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e37a5491-5784-48f5-8870-8154b48737a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1b9683ae-26e6-4b69-87cf-dd8a3710d1fa" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e37a5491-5784-48f5-8870-8154b48737a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_6d691cfd-24bb-4c86-935c-3defd4ee5120" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_e37a5491-5784-48f5-8870-8154b48737a8" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_6d691cfd-24bb-4c86-935c-3defd4ee5120" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_d1f3c65e-a26e-4f28-95a1-e0b12981cb03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_6d691cfd-24bb-4c86-935c-3defd4ee5120" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_d1f3c65e-a26e-4f28-95a1-e0b12981cb03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_91217af8-ea84-4256-8179-332ab3da7dac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_6d691cfd-24bb-4c86-935c-3defd4ee5120" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_91217af8-ea84-4256-8179-332ab3da7dac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_85127207-3c34-4f59-a4b2-788497be00bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_6d691cfd-24bb-4c86-935c-3defd4ee5120" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_85127207-3c34-4f59-a4b2-788497be00bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_affde087-9b8b-4a5a-8c96-8781befeb41e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1b9683ae-26e6-4b69-87cf-dd8a3710d1fa" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_affde087-9b8b-4a5a-8c96-8781befeb41e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_5566e178-d0d9-4457-b381-75d2f4ce63ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_affde087-9b8b-4a5a-8c96-8781befeb41e" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_5566e178-d0d9-4457-b381-75d2f4ce63ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_c24137e6-f100-45e0-89e6-c370fcf652ce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_5566e178-d0d9-4457-b381-75d2f4ce63ce" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_c24137e6-f100-45e0-89e6-c370fcf652ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_09f9499b-033b-4e70-87a5-b30dc042ca4e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_c24137e6-f100-45e0-89e6-c370fcf652ce" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_09f9499b-033b-4e70-87a5-b30dc042ca4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_77c3308a-256d-4318-9014-8f6169ebb1b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_c24137e6-f100-45e0-89e6-c370fcf652ce" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_77c3308a-256d-4318-9014-8f6169ebb1b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_328aac1a-7f98-4a3f-8a7f-48d0eaf093e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_1b9683ae-26e6-4b69-87cf-dd8a3710d1fa" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_328aac1a-7f98-4a3f-8a7f-48d0eaf093e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding_f8d43fc2-e073-4f03-b298-ba45ba5cd7f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_328aac1a-7f98-4a3f-8a7f-48d0eaf093e2" xlink:to="loc_us-gaap_LineOfCreditFacilityFairValueOfAmountOutstanding_f8d43fc2-e073-4f03-b298-ba45ba5cd7f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_abf0bfa3-a733-4093-a946-c6829a3ed3ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_328aac1a-7f98-4a3f-8a7f-48d0eaf093e2" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosure_abf0bfa3-a733-4093-a946-c6829a3ed3ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/FAIRVALUEMEASUREMENTSNarrativeDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#FAIRVALUEMEASUREMENTSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/FAIRVALUEMEASUREMENTSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_a39f2750-9130-4122-bbb4-723cbe2a1078" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetHoldingTable_ebd9e359-9132-49b6-ab1d-baa4b37f8d0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetHoldingTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_a39f2750-9130-4122-bbb4-723cbe2a1078" xlink:to="loc_us-gaap_CryptoAssetHoldingTable_ebd9e359-9132-49b6-ab1d-baa4b37f8d0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CryptoAssetAxis_849339b9-488d-473a-9d21-5114576f0d1f" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CryptoAssetAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingTable_ebd9e359-9132-49b6-ab1d-baa4b37f8d0d" xlink:to="loc_srt_CryptoAssetAxis_849339b9-488d-473a-9d21-5114576f0d1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CryptoAssetDomain_726a1065-84bf-49d1-9025-edd0fbb13d72" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CryptoAssetDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetAxis_849339b9-488d-473a-9d21-5114576f0d1f" xlink:to="loc_srt_CryptoAssetDomain_726a1065-84bf-49d1-9025-edd0fbb13d72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_HASHMember_58d6e07a-f064-4512-a205-5d0b8ac98069" xlink:href="figr-20250930.xsd#figr_HASHMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CryptoAssetDomain_726a1065-84bf-49d1-9025-edd0fbb13d72" xlink:to="loc_figr_HASHMember_58d6e07a-f064-4512-a205-5d0b8ac98069" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetHoldingLineItems_dd1b11d7-e8e5-4fd2-93af-81ccad462750" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetHoldingLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingTable_ebd9e359-9132-49b6-ab1d-baa4b37f8d0d" xlink:to="loc_us-gaap_CryptoAssetHoldingLineItems_dd1b11d7-e8e5-4fd2-93af-81ccad462750" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CryptoAssetCost_dd906e62-ca49-4b93-bee2-761dab1607e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CryptoAssetCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingLineItems_dd1b11d7-e8e5-4fd2-93af-81ccad462750" xlink:to="loc_us-gaap_CryptoAssetCost_dd906e62-ca49-4b93-bee2-761dab1607e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_figr_CryptoAssetImpairment_43b6134b-d41d-4509-802c-9199ff20b3dd" xlink:href="figr-20250930.xsd#figr_CryptoAssetImpairment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CryptoAssetHoldingLineItems_dd1b11d7-e8e5-4fd2-93af-81ccad462750" xlink:to="loc_figr_CryptoAssetImpairment_43b6134b-d41d-4509-802c-9199ff20b3dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.figure.com/role/INCOMETAXESDetails" xlink:type="simple" xlink:href="figr-20250930.xsd#INCOMETAXESDetails"/>
  <link:presentationLink xlink:role="http://www.figure.com/role/INCOMETAXESDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_b412b881-fa20-4fd3-807d-78d5651cf398" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_0a6dfc57-d847-4f70-9f54-acd64bfea324" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_b412b881-fa20-4fd3-807d-78d5651cf398" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_0a6dfc57-d847-4f70-9f54-acd64bfea324" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#AwardTimingDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_us-gaap_AwardTypeAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockOptionMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardExrcPrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardExrcPrice" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardGrantDateFairValue" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ErrCompDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ErrCompRecoveryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompRecoveryTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_RestatementDateAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonNeosMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_ecd_NonNeosMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDeterminationDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDeterminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtErrCompAmt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#PvpDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PvpTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_ExecutiveCategoryAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="loc_ecd_AllExecutiveCategoriesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_PeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonPeoNeoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_NonPeoNeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToCompAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_AdjToCompAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllAdjToCompMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="loc_ecd_AllAdjToCompMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MeasureAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_MeasureAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PvpTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CoSelectedMeasureName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoTotalCompAmt"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TabularListTableTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TabularListTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_OtherPerfMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToCompAmt"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoName"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MeasureName"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_MeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#InsiderTradingArrangements"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TradingArrByIndTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TradingArrByIndTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TradingArrAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_TradingArrAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllTradingArrangementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrAxis" xlink:to="loc_ecd_AllTradingArrangementsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrIndName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrIndTitle"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndTitle" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrAdoptionDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrAdoptionDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrTerminationDate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrTerminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrExpirationDate"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrExpirationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrDuration"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrDuration" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#InsiderTradingPoliciesProc"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
