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  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedSubjecttoOnlyServiceConditionsNumber" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedSubjecttoOnlyServiceConditionsNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardPlanModificationNumberofSharesOutstandingandUnvestedAffected" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPlanModificationNumberofSharesOutstandingandUnvestedAffected" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ShareholderPercentProvisionRegardingUnderwritingPolicies" name="ShareholderPercentProvisionRegardingUnderwritingPolicies" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_StateLicensesMember" name="StateLicensesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesInitialStatutoryCapitalandSurplusRequired" name="StatutoryAccountingPracticesInitialStatutoryCapitalandSurplusRequired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredAgreementtoNotEnterintoReinsuranceRiskPeriod" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredAgreementtoNotEnterintoReinsuranceRiskPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredNoDeclarationorDividendPaymentPeriod" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredNoDeclarationorDividendPaymentPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredPeriod" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredRequirementtoNotEnterinCapitalSupportAgreementPeriod" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredRequirementtoNotEnterinCapitalSupportAgreementPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryPolicyholdersSurplusPlusContingencyReserves" name="StatutoryAccountingPracticesStatutoryPolicyholdersSurplusPlusContingencyReserves" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_StockIssuanceCostsPurchaserDiscountsandPlacementFees" name="StockIssuanceCostsPurchaserDiscountsandPlacementFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuanceCostsPurchaserDiscountsandPlacementFeesPaidinCash" name="StockIssuanceCostsPurchaserDiscountsandPlacementFeesPaidinCash" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuanceCostsPurchaserDiscountsandPlacementFeespaidinCommonStock" name="StockIssuanceCostsPurchaserDiscountsandPlacementFeespaidinCommonStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuedDuringPeriodNetProceedsPercentagePlacedinInvestmentAccounts" name="StockIssuedDuringPeriodNetProceedsPercentagePlacedinInvestmentAccounts" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuedDuringPeriodUnderwritingFeeandOtherOfferingExpensePercentage" name="StockIssuedDuringPeriodUnderwritingFeeandOtherOfferingExpensePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_The2012StockIncentivePlanMember" name="The2012StockIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_UnderwritingOfferingPeriod" name="UnderwritingOfferingPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_WarrantLiability" name="WarrantLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_WarrantLiabilityMember" name="WarrantLiabilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_WarrantsPolicyPolicyTextBlock" name="WarrantsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
</xsd:schema>
