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  <xs:element id="open_IssuanceOfIssuerStockRightsInExtinguishmentConvertibleNotes" abstract="false" name="IssuanceOfIssuerStockRightsInExtinguishmentConvertibleNotes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="open_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNonvestedGrantDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="open_TermDebtFacility2021S1Member" abstract="true" name="TermDebtFacility2021S1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="open_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsWithServiceConditionAwardVestingPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardsWithServiceConditionAwardVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="open_ConversionOfPreferredStockToCommonStock" abstract="false" name="ConversionOfPreferredStockToCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="open_ClassOfWarrantOrRightPeriodOfRedemptionWillBeBasedOnReferenceValueOnTheLastReportedSalesPriceOfCommonStock" abstract="false" name="ClassOfWarrantOrRightPeriodOfRedemptionWillBeBasedOnReferenceValueOnTheLastReportedSalesPriceOfCommonStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="open_EmployeeStockPurchasePlanMember" abstract="true" name="EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="open_SoftwareImplementationCostsMember" abstract="true" name="SoftwareImplementationCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="open_SecuredDebtFairValueDisclosure" abstract="false" name="SecuredDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_OtherShortTermInvestmentsMarketableSecurities" abstract="false" name="OtherShortTermInvestmentsMarketableSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_DebtSecuritiesAvailableForSaleMarketableSecurities" abstract="false" name="DebtSecuritiesAvailableForSaleMarketableSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_MortgageLoansHeldForSalePledgedUnderAgreementsToRepurchasePolicyPolicyTextBlock" abstract="false" name="MortgageLoansHeldForSalePledgedUnderAgreementsToRepurchasePolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="open_ServicesLabsIncMember" abstract="true" name="ServicesLabsIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="open_PennyWarrantsWarrantCommitmentAndSeriesEWarrantsMember" abstract="true" name="PennyWarrantsWarrantCommitmentAndSeriesEWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="open_SeriesEWarrantsMember" abstract="true" name="SeriesEWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="open_DilutiveSecuritiesEffectOnBasicEarningsPerShareClassifiedWarrantsGainOnLiability" abstract="false" name="DilutiveSecuritiesEffectOnBasicEarningsPerShareClassifiedWarrantsGainOnLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_BusinessCombinationExchangeRatioOfCommonStockIssued" abstract="false" name="BusinessCombinationExchangeRatioOfCommonStockIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
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  <xs:element id="open_SaleOfStockNumberOfUnitsAuthorizedInTransaction" abstract="false" name="SaleOfStockNumberOfUnitsAuthorizedInTransaction" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="open_ReductionInRightOfUseAssetsAndLiabilitiesDueToTerminationOfOperatingLeases" abstract="false" name="ReductionInRightOfUseAssetsAndLiabilitiesDueToTerminationOfOperatingLeases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="open_BusinessCombinationConsiderationReceivedReverseRecapitalization" abstract="false" name="BusinessCombinationConsiderationReceivedReverseRecapitalization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="open_ProceedsFromBusinessCombinationAndPIPEOffering" abstract="false" name="ProceedsFromBusinessCombinationAndPIPEOffering" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="open_EquitySecuritiesFVNICashAndCashEquivalents" abstract="false" name="EquitySecuritiesFVNICashAndCashEquivalents" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="open_OSNationalLLCMember" abstract="true" name="OSNationalLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
