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  <xs:element id="nmih_PublicStockOfferingAndOverAllotmentOptionMember" abstract="true" name="PublicStockOfferingAndOverAllotmentOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
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  <xs:element id="nmih_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsNumberOfPrimaryLoansInDefault" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsNumberOfPrimaryLoansInDefault" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="nmih_SaleOfStockOverAllotmentOptionPercentage" abstract="false" name="SaleOfStockOverAllotmentOptionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
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  <xs:element id="nmih_ScheduleofrespectivecoveragesandretentionsoftheILNtransactionsTableTextBlock" abstract="false" name="ScheduleofrespectivecoveragesandretentionsoftheILNtransactionsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
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  <xs:element id="nmih_LoansInPoolPastDue60DaysOrMoreNumberOfLoans" abstract="false" name="LoansInPoolPastDue60DaysOrMoreNumberOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="nmih_PurchasesOfTaxAndLossBonds" abstract="false" name="PurchasesOfTaxAndLossBonds" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="nmih_MortgagePoolInsuranceClaimDeductible" abstract="false" name="MortgagePoolInsuranceClaimDeductible" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_ClassOfWarrantOrRightFairValueOfWarrantLiabilityReclassifiedToAdditionalPaidInCapitalUponExercise" abstract="false" name="ClassOfWarrantOrRightFairValueOfWarrantLiabilityReclassifiedToAdditionalPaidInCapitalUponExercise" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="nmih_ConsumerIndustryGroupMember" abstract="true" name="ConsumerIndustryGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
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  <xs:element id="nmih_StateLicensesMember" abstract="true" name="StateLicensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
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  <xs:element id="nmih_StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" abstract="false" name="StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="nmih_DebtSecuritiesAvailableforsaleUnrealizedLossPositionAbstract" abstract="true" name="DebtSecuritiesAvailableforsaleUnrealizedLossPositionAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingWeightedAverageGrantDateFairValueRollForward" abstract="true" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingWeightedAverageGrantDateFairValueRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="nmih_NumberOfOperatingLeasesCorporateOfficeAndDataCenterFacility" abstract="false" name="NumberOfOperatingLeasesCorporateOfficeAndDataCenterFacility" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_RestrictedStockUnitsRSUsSubjecttoServiceConditionsMember" abstract="true" name="RestrictedStockUnitsRSUsSubjecttoServiceConditionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsAppliedtoDeductible" abstract="false" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsAppliedtoDeductible" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_IncreaseDecreaseinReinsuranceAssetsandLiabilities" abstract="false" name="IncreaseDecreaseinReinsuranceAssetsandLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_CommunicationsIndustryGroupMember" abstract="true" name="CommunicationsIndustryGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="nmih_TwoThousandTwentyOneQSRTransactionMember" abstract="true" name="TwoThousandTwentyOneQSRTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="nmih_FannieMaeMember" abstract="true" name="FannieMaeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsurance" abstract="false" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_EligiblePoliciesPoolFourMember" abstract="true" name="EligiblePoliciesPoolFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="nmih_A2018ILNMember" abstract="true" name="A2018ILNMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="nmih_GainLossonChangeinFairValueofWarrantLiability" abstract="false" name="GainLossonChangeinFairValueofWarrantLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_ClassOfWarrantOrRightChangeInFairValueOfWarrantLiabilityInCurrentPeriod" abstract="false" name="ClassOfWarrantOrRightChangeInFairValueOfWarrantLiabilityInCurrentPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_IndustrialIndustryGroupMember" abstract="true" name="IndustrialIndustryGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="nmih_MortgageInsurancePercentageofIndebtednessonSingleLoanLimit" abstract="false" name="MortgageInsurancePercentageofIndebtednessonSingleLoanLimit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="nmih_GainFromChangeinFairValueofWarrantLiability" abstract="false" name="GainFromChangeinFairValueofWarrantLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_TwoThousandSixteenQSRTransactionMember" abstract="true" name="TwoThousandSixteenQSRTransactionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
</xs:schema>
