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  <xs:element id="hfwa_QualifiedAffordableHousingProjectInvestmentsFutureCommitment" abstract="false" name="QualifiedAffordableHousingProjectInvestmentsFutureCommitment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_GainLossTransferOfInvestmentSecuritiesAvailableForSaleToHeldToMaturity" abstract="false" name="GainLossTransferOfInvestmentSecuritiesAvailableForSaleToHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_DeferredTaxAssetsMarketDiscountonLoans" abstract="false" name="DeferredTaxAssetsMarketDiscountonLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_OtherSecuritiesPledgedMember" abstract="true" name="OtherSecuritiesPledgedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_FinanceReceivableModifiedSubsequentDefaultMember" abstract="true" name="FinanceReceivableModifiedSubsequentDefaultMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_TroubledDebtRestructuringsLoansSubsequentlyDefaultedTableTextBlock" abstract="false" name="TroubledDebtRestructuringsLoansSubsequentlyDefaultedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_SaleAndLeasebackTransactionAnnualEscalationsPercent" abstract="false" name="SaleAndLeasebackTransactionAnnualEscalationsPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hfwa_SalaryContinuationPlanBenefitPaid" abstract="false" name="SalaryContinuationPlanBenefitPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_MinimumHoursofServiceRequiredforEligibilityUnderPlan" abstract="false" name="MinimumHoursofServiceRequiredforEligibilityUnderPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hfwa_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hfwa_SaleAndLeasebackTransactionNumberOfLeases" abstract="false" name="SaleAndLeasebackTransactionNumberOfLeases" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hfwa_DeferredCompensationAgreementwithIndividualContributionsbyEmployerTableTextBlock" abstract="false" name="DeferredCompensationAgreementwithIndividualContributionsbyEmployerTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_ImpairedLoansMember" abstract="true" name="ImpairedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_PaycheckProtectionProgramMember" abstract="true" name="PaycheckProtectionProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_GrossWeightedAverageNumberOfSharesOutstandingBasic" abstract="false" name="GrossWeightedAverageNumberOfSharesOutstandingBasic" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="hfwa_ValleyCommunityBancsharesMember" abstract="true" name="ValleyCommunityBancsharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_FinancingReceivableCollateralForSecuredBorrowings" abstract="false" name="FinancingReceivableCollateralForSecuredBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_CumulativeEffectFromChangeInAccountingPolicy" abstract="false" name="CumulativeEffectFromChangeInAccountingPolicy" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_LoansandLeaseReceivableCollateralforSecuredBorrowingsTableTextBlock" abstract="false" name="LoansandLeaseReceivableCollateralforSecuredBorrowingsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_OtherMember" abstract="true" name="OtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_Investmentinlowincomehousingtaxpartnership" abstract="false" name="Investmentinlowincomehousingtaxpartnership" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_TwelfthStockRepurchasePlanMember" abstract="true" name="TwelfthStockRepurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_NonOwnerOccupiedCommercialRealEstateMember" abstract="true" name="NonOwnerOccupiedCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_ScheduleOfInterestBearingDepositLiabilitiesDomesticByComponentTableTextBlock" abstract="false" name="ScheduleOfInterestBearingDepositLiabilitiesDomesticByComponentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_DefinedContributionPlanEmployerContributionforProfitSharingandDiscretionary" abstract="false" name="DefinedContributionPlanEmployerContributionforProfitSharingandDiscretionary" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_ScheduleOfInterestExpenseDepositsTableTextBlock" abstract="false" name="ScheduleOfInterestExpenseDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_ProvisionForCreditLossesPolicyTextBlock" abstract="false" name="ProvisionForCreditLossesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_SaleAndLeasebackTransactionNumberOfExtensionOptions" abstract="false" name="SaleAndLeasebackTransactionNumberOfExtensionOptions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hfwa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredandLiabilitiesAssumedTrustPreferredSecuritiesandJuniorSubordinatedDebentures" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredandLiabilitiesAssumedTrustPreferredSecuritiesandJuniorSubordinatedDebentures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_DeferredTaxAssetsForegoneInterestonNonaccrualLoans" abstract="false" name="DeferredTaxAssetsForegoneInterestonNonaccrualLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_CoverPageAbstract" abstract="true" name="CoverPageAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hfwa_DeferredTaxLiabilitiesFHLBandFRBStock" abstract="false" name="DeferredTaxLiabilitiesFHLBandFRBStock" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_InvestmentinCertifiedDevelopmentEntities" abstract="false" name="InvestmentinCertifiedDevelopmentEntities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_LoansandLeasesReceivableMortgageBankingActivitiesTableTextBlock" abstract="false" name="LoansandLeasesReceivableMortgageBankingActivitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_SBAPPPLoansMember" abstract="true" name="SBAPPPLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_FinancingReceivablePurchaseDiscountPremiumCECLDay1Balance" abstract="false" name="FinancingReceivablePurchaseDiscountPremiumCECLDay1Balance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_HeritageBankMember" abstract="true" name="HeritageBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_FinancingReceivablerevolvingconvertedtoTermLoans" abstract="false" name="FinancingReceivablerevolvingconvertedtoTermLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_AccruedExpensesandOtherLiabilitiesMember" abstract="true" name="AccruedExpensesandOtherLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_BankOwnedLifeInsuranceDeathBenefit" abstract="false" name="BankOwnedLifeInsuranceDeathBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_SaleAndLeasebackTransactionAnnualRent" abstract="false" name="SaleAndLeasebackTransactionAnnualRent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_SalaryContinuationPlanExpense" abstract="false" name="SalaryContinuationPlanExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_CapitalizationThresholdPolicyContractualLeasePayments" abstract="false" name="CapitalizationThresholdPolicyContractualLeasePayments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_ImpairedLoansMeasurementInput" abstract="false" name="ImpairedLoansMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="hfwa_BusinessDescriptionAndBasisOfPresentationTable" abstract="true" name="BusinessDescriptionAndBasisOfPresentationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="hfwa_EleventhStockRepurchasePlanMemberMember" abstract="true" name="EleventhStockRepurchasePlanMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_PeerCompanyMember" abstract="true" name="PeerCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_FinancingReceivablePurchaseDiscountPremium" abstract="false" name="FinancingReceivablePurchaseDiscountPremium" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_DeferredTaxLiabilitiesBusinessCombinationJuniorSubordinatedDebentures" abstract="false" name="DeferredTaxLiabilitiesBusinessCombinationJuniorSubordinatedDebentures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_ImpairmentOfAssetsHeldForSale" abstract="false" name="ImpairmentOfAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_SalaryContinuationPlanTableTextBlock" abstract="false" name="SalaryContinuationPlanTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_Definedcontributionplanemployermatchingcontributionamount" abstract="false" name="Definedcontributionplanemployermatchingcontributionamount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_PurchaseCreditImpairedLoansMember" abstract="true" name="PurchaseCreditImpairedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_PastModifiedMaturityDateMember" abstract="true" name="PastModifiedMaturityDateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_Unencumberedcollateralinamountequaltovaryingpercentages" abstract="false" name="Unencumberedcollateralinamountequaltovaryingpercentages" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hfwa_WashingtonAndOregonStateToSecurePublicDepositsMember" abstract="true" name="WashingtonAndOregonStateToSecurePublicDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_OlympiaFirstFloorMember" abstract="true" name="OlympiaFirstFloorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_GainLossofAssetsHeldforSale" abstract="false" name="GainLossofAssetsHeldforSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_UnusedCommitmentstoExtendCreditMember" abstract="true" name="UnusedCommitmentstoExtendCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_TransferofPropertyandEquipmenttoPrepaidExpensesandOtherAssetsHeldforsale" abstract="false" name="TransferofPropertyandEquipmenttoPrepaidExpensesandOtherAssetsHeldforsale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_HeritageFinancialCorporation401kPlanandTrustMember" abstract="true" name="HeritageFinancialCorporation401kPlanandTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_TransferOfInvestmentSecuritiesAvailableForSaleToHeldToMaturity" abstract="false" name="TransferOfInvestmentSecuritiesAvailableForSaleToHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_OnetoFourFamilyRealEstateConstructionMember" abstract="true" name="OnetoFourFamilyRealEstateConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_PercentageOfNoninterestBearingDomesticDepositDemand" abstract="false" name="PercentageOfNoninterestBearingDomesticDepositDemand" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hfwa_LoanReceivableReceivedFromTaxCreditEquityMethodInvestment" abstract="false" name="LoanReceivableReceivedFromTaxCreditEquityMethodInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_Adjustablerateoftrustpreferredsecurities" abstract="false" name="Adjustablerateoftrustpreferredsecurities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hfwa_OptionTwoMember" abstract="true" name="OptionTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_ScheduleOfDividendsActivityTableTextBlock" abstract="false" name="ScheduleOfDividendsActivityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_SpecialDividendMember" abstract="true" name="SpecialDividendMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_LifeInsuranceCorporateorBankOwnedPolicyPolicyTextBlock" abstract="false" name="LifeInsuranceCorporateorBankOwnedPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_QualifiedEquityInvestments" abstract="false" name="QualifiedEquityInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_NumberOfCertifiedDevelopmentEntities" abstract="false" name="NumberOfCertifiedDevelopmentEntities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hfwa_FinancingReceivablePurchaseDiscountPremiumCECLDay1Change" abstract="false" name="FinancingReceivablePurchaseDiscountPremiumCECLDay1Change" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_OptionOneMember" abstract="true" name="OptionOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_HeritageFinancialCorporation401kPlanandTrustSalarySavingPlanMember" abstract="true" name="HeritageFinancialCorporation401kPlanandTrustSalarySavingPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_LoansAndLeasesReceivableMaximumPercentageConsumerLoans" abstract="false" name="LoansAndLeasesReceivableMaximumPercentageConsumerLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hfwa_UnallocatedMember" abstract="true" name="UnallocatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_ShareBasedCompensationArrangementByShareBasedPaymentAwardCorrelationCoefficientRate" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardCorrelationCoefficientRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hfwa_RecognizedTaxBenefit" abstract="false" name="RecognizedTaxBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_RepurchaseAgreementsMaturityPeriod" abstract="false" name="RepurchaseAgreementsMaturityPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="hfwa_FiveOrMoreFamilyResidentialAndCommercialPropertiesMember" abstract="true" name="FiveOrMoreFamilyResidentialAndCommercialPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_TermofJuniorSubordinatedDebentures" abstract="false" name="TermofJuniorSubordinatedDebentures" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="hfwa_RegulatoryCashRequirementsUnderBankingRegulationsTextBlock" abstract="false" name="RegulatoryCashRequirementsUnderBankingRegulationsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hfwa_AccumulatedCreditLossesToLoansReceivableRatio" abstract="false" name="AccumulatedCreditLossesToLoansReceivableRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
</xs:schema>
