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  <xsd:element id="nmih_DebtInstrumentCovenantDebttoTotalCapitalizationRatioMaximum" name="DebtInstrumentCovenantDebttoTotalCapitalizationRatioMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentCovenantLiquidityRequirementMinimum" name="DebtInstrumentCovenantLiquidityRequirementMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentCovenantRisktoCapitalRatioMaximum" name="DebtInstrumentCovenantRisktoCapitalRatioMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentVariableInterestRateFloor" name="DebtInstrumentVariableInterestRateFloor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DeferredTaxAssetsDeferredCedingCommissions" name="DeferredTaxAssetsDeferredCedingCommissions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_DeferredTaxAssetsTaxDeferredExpenseStartupCosts" name="DeferredTaxAssetsTaxDeferredExpenseStartupCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_DirectorPhantomSharePlanMember" name="DirectorPhantomSharePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_DocumentandEntityInformationAbstract" name="DocumentandEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_EffectiveIncomeTaxRateReconciliationExcessTaxBenefitsAmount" name="EffectiveIncomeTaxRateReconciliationExcessTaxBenefitsAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_EffectiveIncomeTaxRateReconciliationWarrantGainLossPercent" name="EffectiveIncomeTaxRateReconciliationWarrantGainLossPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolFiveMember" name="EligiblePoliciesPoolFiveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolFourMember" name="EligiblePoliciesPoolFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolOneMember" name="EligiblePoliciesPoolOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolThreeMember" name="EligiblePoliciesPoolThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolTwoMember" name="EligiblePoliciesPoolTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_ExpirationPeriodAxis" name="ExpirationPeriodAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_ExpirationPeriodDomain" name="ExpirationPeriodDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_FannieMaeMember" name="FannieMaeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_GSEApprovalsMember" name="GSEApprovalsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_GainLossonChangeinFairValueofWarrantLiability" name="GainLossonChangeinFairValueofWarrantLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_IncreaseDecreaseinReinsuranceAssetsandLiabilities" name="IncreaseDecreaseinReinsuranceAssetsandLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofCoveredClaimsIncludedInNumberofPaidClaims" name="LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofCoveredClaimsIncludedInNumberofPaidClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofPaidClaims" name="LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofPaidClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforPriorYearClaimsandClaimsAdjustmentExpense" name="LiabilityforPriorYearClaimsandClaimsAdjustmentExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsAppliedtoDeductible" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsAppliedtoDeductible" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsurance" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsuranceAmountUnderQSRTransaction" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsuranceAmountUnderQSRTransaction" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseIncurredbutNotReportedIBNRClaimsDefaultPeriod" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseIncurredbutNotReportedIBNRClaimsDefaultPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseIncurredbutNotReportedIBNRClaimsNumberofPrimaryLoansinDefault" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseIncurredbutNotReportedIBNRClaimsNumberofPrimaryLoansinDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_LineofCreditandRelatedWarrantsTextBlock" name="LineofCreditandRelatedWarrantsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LoansInPoolLoanToValueRatio" name="LoansInPoolLoanToValueRatio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LoansInPoolPastDue60DaysOrMoreLoanRiskinForce" name="LoansInPoolPastDue60DaysOrMoreLoanRiskinForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_LoansInPoolPastDue60DaysOrMoreNumberOfLoans" name="LoansInPoolPastDue60DaysOrMoreNumberOfLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_MACFinancialHoldingCorporationandSubsidiariesMember" name="MACFinancialHoldingCorporationandSubsidiariesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_MaximumPermittedRTCRatio" name="MaximumPermittedRTCRatio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_MortgageInsurancePercentageofIndebtednessonSingleLoanLimit" name="MortgageInsurancePercentageofIndebtednessonSingleLoanLimit" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_MortgageInsuranceRiskinForce" name="MortgageInsuranceRiskinForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_MortgagePoolInsuranceClaimDeductible" name="MortgagePoolInsuranceClaimDeductible" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_NMICMember" name="NMICMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_NMIH2014OmnibusIncentivePlanMember" name="NMIH2014OmnibusIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_NMicandReoneCombinedMember" name="NMicandReoneCombinedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_NumberOfSharesRightToPurchasePerWarrant" name="NumberOfSharesRightToPurchasePerWarrant" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_NumberofStatesWhichRequireMinimumAmountofStatutoryCapitalRelativetoRiskInForce" name="NumberofStatesWhichRequireMinimumAmountofStatutoryCapitalRelativetoRiskInForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_OaktownReLtdMember" name="OaktownReLtdMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_OperatingLeasesFutureMinimumPaymentsDueinSixYears" name="OperatingLeasesFutureMinimumPaymentsDueinSixYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_OperatingLossCarryforwardsRelatedToExcessShareBasedCompensation" name="OperatingLossCarryforwardsRelatedToExcessShareBasedCompensation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_OrdinaryDividendsRestrictionwithRegardstoCapitalSurplus" name="OrdinaryDividendsRestrictionwithRegardstoCapitalSurplus" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_OtherComprehensiveIncomeLossNetofTaxPortionAttributabletoSubsidiary" name="OtherComprehensiveIncomeLossNetofTaxPortionAttributabletoSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_PremiumDeficiencyReserveExpense" name="PremiumDeficiencyReserveExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_PremiumDeficiencyReservesPolicyPolicyTextBlock" name="PremiumDeficiencyReservesPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ProceedsFromIssuanceofCommonStockNetofStockIssuanceCosts" name="ProceedsFromIssuanceofCommonStockNetofStockIssuanceCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceAgreementOptionalTerminationRightPercentOfReinsuranceCoverageThreshold" name="ReinsuranceAgreementOptionalTerminationRightPercentOfReinsuranceCoverageThreshold" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_ReinsuranceCededClaimsandClaimsExpenses" name="ReinsuranceCededClaimsandClaimsExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceCedingCommissionEarned" name="ReinsuranceCedingCommissionEarned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceCedingCommissionWritten" name="ReinsuranceCedingCommissionWritten" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceProfitCommission" name="ReinsuranceProfitCommission" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceRetentionPolicyTermOfUnderlyingMortgageAmortization" name="ReinsuranceRetentionPolicyTermOfUnderlyingMortgageAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceRetentionRiskPremiumsPaid" name="ReinsuranceRetentionRiskPremiumsPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_RestrictedStockUnitsRSUsSubjecttoServiceAndPerformanceConditionsMember" name="RestrictedStockUnitsRSUsSubjecttoServiceAndPerformanceConditionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_RestrictedStockUnitsRSUsSubjecttoServiceConditionsMember" name="RestrictedStockUnitsRSUsSubjecttoServiceConditionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_RiskInForceCeded" name="RiskInForceCeded" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_RiskInForceClaimsMember" name="RiskInForceClaimsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_RiskToCapitalRatioRegulatoryActual" name="RiskToCapitalRatioRegulatoryActual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_RiskToCapitalRatioRegulatoryMaximum" name="RiskToCapitalRatioRegulatoryMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_SeniorSecuredDebtMember" name="SeniorSecuredDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ShareBasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedForfeitureRate" name="ShareBasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedForfeitureRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsGrantedFairMarketValue" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsGrantedFairMarketValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardNumberofIndependentDirectors" name="SharebasedCompensationArrangementbySharebasedPaymentAwardNumberofIndependentDirectors" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsExercisesinPeriodWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsExercisesinPeriodWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedOptionsExpiredWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedOptionsExpiredWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingWeightedAverageGrantDateFairValueRollForward" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingWeightedAverageGrantDateFairValueRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardPlanModificationNumberofSharesOutstandingandUnvestedAffected" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPlanModificationNumberofSharesOutstandingandUnvestedAffected" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_StateLicensesMember" name="StateLicensesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesContingencyReserve" name="StatutoryAccountingPracticesContingencyReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlansNetofSharesForTaxWithholdings" name="StockIssuedDuringPeriodSharesEmployeeStockPurchasePlansNetofSharesForTaxWithholdings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" name="StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_TaxCutsandJobsActof2017IncompleteAccountingChangeinTaxRateProvisionalIncomeTaxExpenseBenefit" name="TaxCutsandJobsActof2017IncompleteAccountingChangeinTaxRateProvisionalIncomeTaxExpenseBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" 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 abstract="true" id="nmih_ThirdPartyReinsurersMember" name="ThirdPartyReinsurersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandSeventeenILNNotesMember" name="TwoThousandSeventeenILNNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandSeventeenILNTransactionMember" name="TwoThousandSeventeenILNTransactionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandSixteenQSRTransactionMember" name="TwoThousandSixteenQSRTransactionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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>
