<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2023 Workiva-->
<!--r:0e828ab6-f094-4f2c-aef2-87a05ea95218,g:77a5ff77-9fd7-4af4-a2be-79d4a0ad228e-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nmih="http://www.nationalmi.com/20221231" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.nationalmi.com/20221231">
  <xs:import namespace="http://fasb.org/srt/2022" schemaLocation="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2022" schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd"/>
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2022" schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/stpr/2022" schemaLocation="https://xbrl.sec.gov/stpr/2022/stpr-2022.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nmih-20221231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nmih-20221231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nmih-20221231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nmih-20221231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="COVER" roleURI="http://www.nationalmi.com/role/COVER">
        <link:definition>0000001 - Document - COVER</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AuditInformation" roleURI="http://www.nationalmi.com/role/AuditInformation">
        <link:definition>0000002 - Document - Audit Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETS" roleURI="http://www.nationalmi.com/role/CONSOLIDATEDBALANCESHEETS">
        <link:definition>0000003 - Statement - CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETSParenthetical" roleURI="http://www.nationalmi.com/role/CONSOLIDATEDBALANCESHEETSParenthetical">
        <link:definition>0000004 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOME" roleURI="http://www.nationalmi.com/role/CONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOME">
        <link:definition>0000005 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMEParenthetical" roleURI="http://www.nationalmi.com/role/CONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMEParenthetical">
        <link:definition>0000006 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCHANGESINSHAREHOLDERSEQUITY" roleURI="http://www.nationalmi.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINSHAREHOLDERSEQUITY">
        <link:definition>0000007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCHANGESINSHAREHOLDERSEQUITYParenthetical" roleURI="http://www.nationalmi.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINSHAREHOLDERSEQUITYParenthetical">
        <link:definition>0000008 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCASHFLOWS" roleURI="http://www.nationalmi.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS">
        <link:definition>0000009 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OrganizationandBasisofPresentation" roleURI="http://www.nationalmi.com/role/OrganizationandBasisofPresentation">
        <link:definition>0000010 - Disclosure - Organization and Basis of Presentation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofAccountingPrinciples" roleURI="http://www.nationalmi.com/role/SummaryofAccountingPrinciples">
        <link:definition>0000011 - Disclosure - Summary of Accounting Principles</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Investments" roleURI="http://www.nationalmi.com/role/Investments">
        <link:definition>0000012 - Disclosure - Investments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstruments" roleURI="http://www.nationalmi.com/role/FairValueofFinancialInstruments">
        <link:definition>0000013 - Disclosure - Fair Value of Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Debt" roleURI="http://www.nationalmi.com/role/Debt">
        <link:definition>0000014 - Disclosure - Debt</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Reinsurance" roleURI="http://www.nationalmi.com/role/Reinsurance">
        <link:definition>0000015 - Disclosure - Reinsurance</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReserveforInsuranceClaimsandClaimExpenses" roleURI="http://www.nationalmi.com/role/ReserveforInsuranceClaimsandClaimExpenses">
        <link:definition>0000016 - Disclosure - Reserve for Insurance Claims and Claim Expenses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsperShare" roleURI="http://www.nationalmi.com/role/EarningsperShare">
        <link:definition>0000017 - Disclosure - Earnings per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Warrants" roleURI="http://www.nationalmi.com/role/Warrants">
        <link:definition>0000018 - Disclosure - Warrants</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensation" roleURI="http://www.nationalmi.com/role/ShareBasedCompensation">
        <link:definition>0000019 - Disclosure - Share-Based Compensation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.nationalmi.com/role/IncomeTaxes">
        <link:definition>0000020 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SoftwareandEquipment" roleURI="http://www.nationalmi.com/role/SoftwareandEquipment">
        <link:definition>0000021 - Disclosure - Software and Equipment</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssetsandGoodwill" roleURI="http://www.nationalmi.com/role/IntangibleAssetsandGoodwill">
        <link:definition>0000022 - Disclosure - Intangible Assets and Goodwill</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingencies" roleURI="http://www.nationalmi.com/role/CommitmentsandContingencies">
        <link:definition>0000023 - Disclosure - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommonStock" roleURI="http://www.nationalmi.com/role/CommonStock">
        <link:definition>0000024 - Disclosure - Common Stock</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryInformation" roleURI="http://www.nationalmi.com/role/RegulatoryInformation">
        <link:definition>0000025 - Disclosure - Regulatory Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="QuarterlyFinancialDataUnaudited" roleURI="http://www.nationalmi.com/role/QuarterlyFinancialDataUnaudited">
        <link:definition>0000026 - Disclosure - Quarterly Financial Data (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEISUMMARYOFINVESTMENTSOTHERTHANINVESTMENTSINRELATEDPARTIES" roleURI="http://www.nationalmi.com/role/SCHEDULEISUMMARYOFINVESTMENTSOTHERTHANINVESTMENTSINRELATEDPARTIES">
        <link:definition>0000027 - Disclosure - SCHEDULE I - SUMMARY OF INVESTMENTS - OTHER THAN INVESTMENTS IN RELATED PARTIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLY" roleURI="http://www.nationalmi.com/role/SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLY">
        <link:definition>0000028 - Disclosure - SCHEDULE II - FINANCIAL INFORMATION OF REGISTRANT- PARENT COMPANY ONLY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIVFINANCIALINFORMATIONOFREGISTRANTREINSURANCE" roleURI="http://www.nationalmi.com/role/SCHEDULEIVFINANCIALINFORMATIONOFREGISTRANTREINSURANCE">
        <link:definition>0000029 - Disclosure - SCHEDULE IV - FINANCIAL INFORMATION OF REGISTRANT REINSURANCE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofAccountingPrinciplesPolicies" roleURI="http://www.nationalmi.com/role/SummaryofAccountingPrinciplesPolicies">
        <link:definition>0000030 - Disclosure - Summary of Accounting Principles (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsTables" roleURI="http://www.nationalmi.com/role/InvestmentsTables">
        <link:definition>0000031 - Disclosure - Investments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstrumentsTables" roleURI="http://www.nationalmi.com/role/FairValueofFinancialInstrumentsTables">
        <link:definition>0000032 - Disclosure - Fair Value of Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceTables" roleURI="http://www.nationalmi.com/role/ReinsuranceTables">
        <link:definition>0000033 - Disclosure - Reinsurance (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforInsuranceClaimsandClaimExpensesTables" roleURI="http://www.nationalmi.com/role/ReservesforInsuranceClaimsandClaimExpensesTables">
        <link:definition>0000034 - Disclosure - Reserves for Insurance Claims and Claim Expenses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsperShareTables" roleURI="http://www.nationalmi.com/role/EarningsperShareTables">
        <link:definition>0000035 - Disclosure - Earnings per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationTables" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationTables">
        <link:definition>0000036 - Disclosure - Share-Based Compensation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesTables" roleURI="http://www.nationalmi.com/role/IncomeTaxesTables">
        <link:definition>0000037 - Disclosure - Income Taxes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SoftwareandEquipmentTables" roleURI="http://www.nationalmi.com/role/SoftwareandEquipmentTables">
        <link:definition>0000038 - Disclosure - Software and Equipment (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssetsandGoodwillTables" roleURI="http://www.nationalmi.com/role/IntangibleAssetsandGoodwillTables">
        <link:definition>0000039 - Disclosure - Intangible Assets and Goodwill (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesTables" roleURI="http://www.nationalmi.com/role/CommitmentsandContingenciesTables">
        <link:definition>0000040 - Disclosure - Commitments and Contingencies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryInformationTables" roleURI="http://www.nationalmi.com/role/RegulatoryInformationTables">
        <link:definition>0000041 - Disclosure - Regulatory Information (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="QuarterlyFinancialDataUnauditedTables" roleURI="http://www.nationalmi.com/role/QuarterlyFinancialDataUnauditedTables">
        <link:definition>0000042 - Disclosure - Quarterly Financial Data (Unaudited) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OrganizationandBasisofPresentationDetails" roleURI="http://www.nationalmi.com/role/OrganizationandBasisofPresentationDetails">
        <link:definition>0000043 - Disclosure - Organization and Basis of Presentation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofAccountingPrinciplesDetails" roleURI="http://www.nationalmi.com/role/SummaryofAccountingPrinciplesDetails">
        <link:definition>0000044 - Disclosure - Summary of Accounting Principles (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsFairValuesandGrossUnrealizedGainsandLossesDetails" roleURI="http://www.nationalmi.com/role/InvestmentsFairValuesandGrossUnrealizedGainsandLossesDetails">
        <link:definition>0000045 - Disclosure - Investments - Fair Values and Gross Unrealized Gains and Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsCorporateDebtSecuritiesbyIndustryGroupDetails" roleURI="http://www.nationalmi.com/role/InvestmentsCorporateDebtSecuritiesbyIndustryGroupDetails">
        <link:definition>0000046 - Disclosure - Investments - Corporate Debt Securities by Industry Group (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsNarrativeDetails" roleURI="http://www.nationalmi.com/role/InvestmentsNarrativeDetails">
        <link:definition>0000047 - Disclosure - Investments - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsScheduledMaturitiesDetails" roleURI="http://www.nationalmi.com/role/InvestmentsScheduledMaturitiesDetails">
        <link:definition>0000048 - Disclosure - Investments - Scheduled Maturities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsAgingofUnrealizedLossesDetails" roleURI="http://www.nationalmi.com/role/InvestmentsAgingofUnrealizedLossesDetails">
        <link:definition>0000049 - Disclosure - Investments - Aging of Unrealized Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsNetInvestmentIncomeDetails" roleURI="http://www.nationalmi.com/role/InvestmentsNetInvestmentIncomeDetails">
        <link:definition>0000050 - Disclosure - Investments - Net Investment Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsNetRealizedInvestmentsGainsLossesDetails" roleURI="http://www.nationalmi.com/role/InvestmentsNetRealizedInvestmentsGainsLossesDetails">
        <link:definition>0000051 - Disclosure - Investments - Net Realized Investments Gains (Losses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstrumentsAssetsandLiabilitiesatFairValueDetails" roleURI="http://www.nationalmi.com/role/FairValueofFinancialInstrumentsAssetsandLiabilitiesatFairValueDetails">
        <link:definition>0000052 - Disclosure - Fair Value of Financial Instruments - Assets and Liabilities at Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstrumentsRollfowardofLevel3LiabilitiesDetails" roleURI="http://www.nationalmi.com/role/FairValueofFinancialInstrumentsRollfowardofLevel3LiabilitiesDetails">
        <link:definition>0000053 - Disclosure - Fair Value of Financial Instruments - Rollfoward of Level 3 Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstrumentsValuationAssumptionsforWarrantLiabilitiesDetails" roleURI="http://www.nationalmi.com/role/FairValueofFinancialInstrumentsValuationAssumptionsforWarrantLiabilitiesDetails">
        <link:definition>0000054 - Disclosure - Fair Value of Financial Instruments - Valuation Assumptions for Warrant Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialInstrumentsNarrativeDetails" roleURI="http://www.nationalmi.com/role/FairValueofFinancialInstrumentsNarrativeDetails">
        <link:definition>0000055 - Disclosure - Fair Value of Financial Instruments - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtDetails" roleURI="http://www.nationalmi.com/role/DebtDetails">
        <link:definition>0000056 - Disclosure - Debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceEffectofReinsuranceAgreementsonPremiumsWrittenandEarnedDetails" roleURI="http://www.nationalmi.com/role/ReinsuranceEffectofReinsuranceAgreementsonPremiumsWrittenandEarnedDetails">
        <link:definition>0000057 - Disclosure - Reinsurance - Effect of Reinsurance Agreements on Premiums Written and Earned (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceNarrativeDetails" roleURI="http://www.nationalmi.com/role/ReinsuranceNarrativeDetails">
        <link:definition>0000058 - Disclosure - Reinsurance - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceNarrativeDetails_1" roleURI="http://www.nationalmi.com/role/ReinsuranceNarrativeDetails_1">
        <link:definition>0000058 - Disclosure - Reinsurance - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceILNTransactionsAndXOLTransactionsDetails" roleURI="http://www.nationalmi.com/role/ReinsuranceILNTransactionsAndXOLTransactionsDetails">
        <link:definition>0000059 - Disclosure - Reinsurance - ILN Transactions And XOL Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceILNTransactionsAndXOLTransactionsDetails_1" roleURI="http://www.nationalmi.com/role/ReinsuranceILNTransactionsAndXOLTransactionsDetails_1">
        <link:definition>0000059 - Disclosure - Reinsurance - ILN Transactions And XOL Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReinsuranceAmountsCededRelatedtoQSRTransactionsDetails" roleURI="http://www.nationalmi.com/role/ReinsuranceAmountsCededRelatedtoQSRTransactionsDetails">
        <link:definition>0000060 - Disclosure - Reinsurance - Amounts Ceded Related to QSR Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforInsuranceClaimsandClaimExpensesNarrativeDetails" roleURI="http://www.nationalmi.com/role/ReservesforInsuranceClaimsandClaimExpensesNarrativeDetails">
        <link:definition>0000061 - Disclosure - Reserves for Insurance Claims and Claim Expenses - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforInsuranceClaimsandClaimExpensesNarrativeDetails_1" roleURI="http://www.nationalmi.com/role/ReservesforInsuranceClaimsandClaimExpensesNarrativeDetails_1">
        <link:definition>0000061 - Disclosure - Reserves for Insurance Claims and Claim Expenses - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforInsuranceClaimsandClaimExpensesReconciliationofReserveBalancesforInsuranceClaimsandClaimExpenseDetails" roleURI="http://www.nationalmi.com/role/ReservesforInsuranceClaimsandClaimExpensesReconciliationofReserveBalancesforInsuranceClaimsandClaimExpenseDetails">
        <link:definition>0000062 - Disclosure - Reserves for Insurance Claims and Claim Expenses - Reconciliation of Reserve Balances for Insurance Claims and Claim Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforInsuranceClaimsandClaimExpensesClaimDevelopmentbyAccidentYearandReconciliationofReserveforInsuranceClaimsandClaimsExpenseDetails" roleURI="http://www.nationalmi.com/role/ReservesforInsuranceClaimsandClaimExpensesClaimDevelopmentbyAccidentYearandReconciliationofReserveforInsuranceClaimsandClaimsExpenseDetails">
        <link:definition>0000063 - Disclosure - Reserves for Insurance Claims and Claim Expenses - Claim Development by Accident Year and Reconciliation of Reserve for Insurance Claims and Claims Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforInsuranceClaimsandClaimExpensesReconciliationofDisclosureofIncurredandPaidClaimsDevelopmenttotheLiabilityforUnpaidClaimsandClaimsAdjustmentExpensesDetails" roleURI="http://www.nationalmi.com/role/ReservesforInsuranceClaimsandClaimExpensesReconciliationofDisclosureofIncurredandPaidClaimsDevelopmenttotheLiabilityforUnpaidClaimsandClaimsAdjustmentExpensesDetails">
        <link:definition>0000064 - Disclosure - Reserves for Insurance Claims and Claim Expenses - Reconciliation of Disclosure of Incurred and Paid Claims Development to the Liability for Unpaid Claims and Claims Adjustment Expenses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ReservesforInsuranceClaimsandClaimExpensesAverageAnnualPercentagePayoutofIncurredClaimsbyAgeNetofReinsuranceDetails" roleURI="http://www.nationalmi.com/role/ReservesforInsuranceClaimsandClaimExpensesAverageAnnualPercentagePayoutofIncurredClaimsbyAgeNetofReinsuranceDetails">
        <link:definition>0000065 - Disclosure - Reserves for Insurance Claims and Claim Expenses - Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsperShareDetails" roleURI="http://www.nationalmi.com/role/EarningsperShareDetails">
        <link:definition>0000066 - Disclosure - Earnings per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="WarrantsDetails" roleURI="http://www.nationalmi.com/role/WarrantsDetails">
        <link:definition>0000067 - Disclosure - Warrants (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationNarrativeDetails" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationNarrativeDetails">
        <link:definition>0000068 - Disclosure - Share-Based Compensation - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationStockOptionActivityDetails" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationStockOptionActivityDetails">
        <link:definition>0000069 - Disclosure - Share-Based Compensation - Stock Option Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShareBasedCompensationRestrictedStockUnitsActivityDetails" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationRestrictedStockUnitsActivityDetails">
        <link:definition>0000070 - Disclosure - Share-Based Compensation - Restricted Stock Units Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesComponentsofIncomeTaxExpenseBenefitDetails" roleURI="http://www.nationalmi.com/role/IncomeTaxesComponentsofIncomeTaxExpenseBenefitDetails">
        <link:definition>0000071 - Disclosure - Income Taxes - Components of Income Tax Expense (Benefit) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesNarrativeDetails" roleURI="http://www.nationalmi.com/role/IncomeTaxesNarrativeDetails">
        <link:definition>0000072 - Disclosure - Income Taxes - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails" roleURI="http://www.nationalmi.com/role/IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails">
        <link:definition>0000073 - Disclosure - Income Taxes - Effective Income Tax Rate Reconciliation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesDeferredTaxAssetandLiabilitiesDetails" roleURI="http://www.nationalmi.com/role/IncomeTaxesDeferredTaxAssetandLiabilitiesDetails">
        <link:definition>0000074 - Disclosure - Income Taxes - Deferred Tax Asset and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SoftwareandEquipmentNetBalancesDetails" roleURI="http://www.nationalmi.com/role/SoftwareandEquipmentNetBalancesDetails">
        <link:definition>0000075 - Disclosure - Software and Equipment - Net Balances (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SoftwareandEquipmentNarrativeDetails" roleURI="http://www.nationalmi.com/role/SoftwareandEquipmentNarrativeDetails">
        <link:definition>0000076 - Disclosure - Software and Equipment - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssetsandGoodwillDetails" roleURI="http://www.nationalmi.com/role/IntangibleAssetsandGoodwillDetails">
        <link:definition>0000077 - Disclosure - Intangible Assets and Goodwill (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesNarrativeDetails" roleURI="http://www.nationalmi.com/role/CommitmentsandContingenciesNarrativeDetails">
        <link:definition>0000078 - Disclosure - Commitments and Contingencies - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesRightofUseAssetandLeaseLiabilityAssumptionsDetails" roleURI="http://www.nationalmi.com/role/CommitmentsandContingenciesRightofUseAssetandLeaseLiabilityAssumptionsDetails">
        <link:definition>0000079 - Disclosure - Commitments and Contingencies - Right-of-Use Asset and Lease Liability Assumptions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesFuturePaymentDueUnderOperatingLeasesDetails" roleURI="http://www.nationalmi.com/role/CommitmentsandContingenciesFuturePaymentDueUnderOperatingLeasesDetails">
        <link:definition>0000080 - Disclosure - Commitments and Contingencies - Future Payment Due Under Operating Leases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingenciesFuturePaymentDueUnderOperatingLeasesDetails_1" roleURI="http://www.nationalmi.com/role/CommitmentsandContingenciesFuturePaymentDueUnderOperatingLeasesDetails_1">
        <link:definition>0000080 - Disclosure - Commitments and Contingencies - Future Payment Due Under Operating Leases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommonStockNarrativeDetails" roleURI="http://www.nationalmi.com/role/CommonStockNarrativeDetails">
        <link:definition>0000081 - Disclosure - Common Stock - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryInformationScheduleofCombinedStatutoryNetLossStatutorySurplusContingencyReserveandRTCRatiosDetails" roleURI="http://www.nationalmi.com/role/RegulatoryInformationScheduleofCombinedStatutoryNetLossStatutorySurplusContingencyReserveandRTCRatiosDetails">
        <link:definition>0000082 - Disclosure - Regulatory Information - Schedule of Combined Statutory Net Loss, Statutory Surplus, Contingency Reserve and RTC Ratios (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryInformationNarrativeDetails" roleURI="http://www.nationalmi.com/role/RegulatoryInformationNarrativeDetails">
        <link:definition>0000083 - Disclosure - Regulatory Information - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="QuarterlyFinancialDataUnauditedDetails" roleURI="http://www.nationalmi.com/role/QuarterlyFinancialDataUnauditedDetails">
        <link:definition>0000084 - Disclosure - Quarterly Financial Data (Unaudited) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEISUMMARYOFINVESTMENTSOTHERTHANINVESTMENTSINRELATEDPARTIESDetails" roleURI="http://www.nationalmi.com/role/SCHEDULEISUMMARYOFINVESTMENTSOTHERTHANINVESTMENTSINRELATEDPARTIESDetails">
        <link:definition>0000085 - Disclosure - SCHEDULE I - SUMMARY OF INVESTMENTS - OTHER THAN INVESTMENTS IN RELATED PARTIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYBalanceSheetsParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYBalanceSheetsParentCompanyOnlyDetails">
        <link:definition>0000086 - Disclosure - SCHEDULE II - FINANCIAL INFORMATION OF REGISTRANT- PARENT COMPANY ONLY - Balance Sheets - Parent Company Only (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYBalanceSheetsAdditionalInformationParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYBalanceSheetsAdditionalInformationParentCompanyOnlyDetails">
        <link:definition>0000087 - Disclosure - SCHEDULE II - FINANCIAL INFORMATION OF REGISTRANT- PARENT COMPANY ONLY - Balance Sheets Additional Information - Parent Company Only (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYStatementofOperationsParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYStatementofOperationsParentCompanyOnlyDetails">
        <link:definition>0000088 - Disclosure - SCHEDULE II - FINANCIAL INFORMATION OF REGISTRANT- PARENT COMPANY ONLY - Statement of Operations - Parent Company Only (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYStatementofOperationsAdditionalInformationParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYStatementofOperationsAdditionalInformationParentCompanyOnlyDetails">
        <link:definition>0000089 - Disclosure - SCHEDULE II - FINANCIAL INFORMATION OF REGISTRANT- PARENT COMPANY ONLY - Statement of Operations Additional Information - Parent Company Only (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYStatementsofCashFlowsParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYStatementsofCashFlowsParentCompanyOnlyDetails">
        <link:definition>0000090 - Disclosure - SCHEDULE II - FINANCIAL INFORMATION OF REGISTRANT- PARENT COMPANY ONLY - Statements of Cash Flows - Parent Company Only (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYSupplementalNotesParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/SCHEDULEIIFINANCIALINFORMATIONOFREGISTRANTPARENTCOMPANYONLYSupplementalNotesParentCompanyOnlyDetails">
        <link:definition>0000091 - Disclosure - SCHEDULE II - FINANCIAL INFORMATION OF REGISTRANT- PARENT COMPANY ONLY - Supplemental Notes - Parent Company Only (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEIVFINANCIALINFORMATIONOFREGISTRANTREINSURANCEDetails" roleURI="http://www.nationalmi.com/role/SCHEDULEIVFINANCIALINFORMATIONOFREGISTRANTREINSURANCEDetails">
        <link:definition>0000092 - Disclosure - SCHEDULE IV - FINANCIAL INFORMATION OF REGISTRANT REINSURANCE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="nmih_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlansNetofSharesForTaxWithholdings" abstract="false" name="StockIssuedDuringPeriodSharesEmployeeStockPurchasePlansNetofSharesForTaxWithholdings" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="nmih_PremiumDeficiencyReserveExpense" abstract="false" name="PremiumDeficiencyReserveExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_ScheduleOfRespectiveCoveragesAndRetentionsOfTheXOLTransactionsTableTextBlock" abstract="false" name="ScheduleOfRespectiveCoveragesAndRetentionsOfTheXOLTransactionsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nmih_AnticipatedOperatingExpensePaymentsAnnual" abstract="false" name="AnticipatedOperatingExpensePaymentsAnnual" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_NumberOfQuotaShareReinsuranceTreaties" abstract="false" name="NumberOfQuotaShareReinsuranceTreaties" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_DebtInstrumentCovenantTermsApplicablePremium" abstract="false" name="DebtInstrumentCovenantTermsApplicablePremium" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsTotalPoliciesInForce" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsTotalPoliciesInForce" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_ClassofWarrantorRightNumberofWarrantsExercisedDuringPeriod" abstract="false" name="ClassofWarrantorRightNumberofWarrantsExercisedDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="nmih_ThirdPartyReinsurersMember" abstract="true" name="ThirdPartyReinsurersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_CededCreditRiskProfitCommissionLossRatioOnLoansThreshold" abstract="false" name="CededCreditRiskProfitCommissionLossRatioOnLoansThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_OrdinaryDividendsRestrictionwithRegardstoCapitalSurplusNextFiscalYear" abstract="false" name="OrdinaryDividendsRestrictionwithRegardstoCapitalSurplusNextFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_CorporateHeadquartersMember" abstract="true" name="CorporateHeadquartersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_RiskToCapitalRatioRegulatoryActual" abstract="false" name="RiskToCapitalRatioRegulatoryActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="nmih_NMICAndReOneCombinedMember" abstract="true" name="NMICAndReOneCombinedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_PriorYearClaimsAndClaimsAdjustmentExpenseCaseReserves" abstract="false" name="PriorYearClaimsAndClaimsAdjustmentExpenseCaseReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_NumberOfStatesInAdditionToWisconsinWithMinimumStatutoryCapitalRelativeToRIFRequirement" abstract="false" name="NumberOfStatesInAdditionToWisconsinWithMinimumStatutoryCapitalRelativeToRIFRequirement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_TaxAndLossBond" abstract="false" name="TaxAndLossBond" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_WarrantLiability" abstract="false" name="WarrantLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_NumberOfOperatingLeasesCorporateOfficeAndDataCenterFacility" abstract="false" name="NumberOfOperatingLeasesCorporateOfficeAndDataCenterFacility" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_FinancialIndustryGroupMember" abstract="true" name="FinancialIndustryGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="nmih_PurchasesOfTaxAndLossBonds" abstract="false" name="PurchasesOfTaxAndLossBonds" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_NumberOfReinsuranceEngagementsTerminated" abstract="false" name="NumberOfReinsuranceEngagementsTerminated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_InitialFirstLayerRetainedLoss" abstract="false" name="InitialFirstLayerRetainedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_ClassOfWarrantOrRightNumberOfWarrantsSharesExpiredUnexercisedDuringPeriod" abstract="false" name="ClassOfWarrantOrRightNumberOfWarrantsSharesExpiredUnexercisedDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="nmih_PolicyholderBenefitsAndClaimsNetPropertyCasualtyAndLiability" abstract="false" name="PolicyholderBenefitsAndClaimsNetPropertyCasualtyAndLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsNumberOfPrimaryLoansInDefault" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsNumberOfPrimaryLoansInDefault" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_InvestmentsClassifiedByIssuerIndustryGroupTableTextBlock" abstract="false" name="InvestmentsClassifiedByIssuerIndustryGroupTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nmih_CurrentReinsuranceCoverage" abstract="false" name="CurrentReinsuranceCoverage" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofPaidClaims" abstract="false" name="LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofPaidClaims" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_TreasuryStockSharesAcquiredCostMethod" abstract="false" name="TreasuryStockSharesAcquiredCostMethod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="nmih_RestrictedStockUnitsRSUsSubjecttoServiceAndPerformanceConditionsMember" abstract="true" name="RestrictedStockUnitsRSUsSubjecttoServiceAndPerformanceConditionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_WarrantsPolicyPolicyTextBlock" abstract="false" name="WarrantsPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nmih_PriorYearClaimsAndClaimsAdjustmentExpenseIncurredButNotReported" abstract="false" name="PriorYearClaimsAndClaimsAdjustmentExpenseIncurredButNotReported" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_LoansInPoolPastDue60DaysOrMoreLoanRiskinForce" abstract="false" name="LoansInPoolPastDue60DaysOrMoreLoanRiskinForce" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_NumberOfExcessOfLossReinsuranceAgreements" abstract="false" name="NumberOfExcessOfLossReinsuranceAgreements" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_StateLicensesMember" abstract="true" name="StateLicensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_FannieMaeMember" abstract="true" name="FannieMaeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_UtilitiesIndustryGroupMember" abstract="true" name="UtilitiesIndustryGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_NMIH2014OmnibusIncentivePlanMember" abstract="true" name="NMIH2014OmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_RestrictedStockUnitsRSUsSubjecttoServiceConditionsMember" abstract="true" name="RestrictedStockUnitsRSUsSubjecttoServiceConditionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_PreviouslyCededPrimaryRiskInForceRecaptured" abstract="false" name="PreviouslyCededPrimaryRiskInForceRecaptured" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_EarningsPerShareBasicAndDilutedEPSAbstract" abstract="true" name="EarningsPerShareBasicAndDilutedEPSAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="nmih_MaximumPermittedRTCRatio" abstract="false" name="MaximumPermittedRTCRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsuranceAmountUnderQSRTransaction" abstract="false" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsuranceAmountUnderQSRTransaction" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_EffectiveIncomeTaxRateReconciliationWarrantGainLossPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationWarrantGainLossPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_ClassOfWarrantOrRightWarrantsExpiredUnexercisedResultingInGainLossDuringPeriod" abstract="false" name="ClassOfWarrantOrRightWarrantsExpiredUnexercisedResultingInGainLossDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_LoansInPoolLoanToValueRatio" abstract="false" name="LoansInPoolLoanToValueRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="nmih_StatutoryAccountingPracticesStatutoryIncomeLossAmount" abstract="false" name="StatutoryAccountingPracticesStatutoryIncomeLossAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_RiskInForceCeded" abstract="false" name="RiskInForceCeded" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_CededCreditRiskCommissionEarnedPercentage" abstract="false" name="CededCreditRiskCommissionEarnedPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_ReinsuranceAgreementOptionalTerminationRightPercentOfReinsuranceCoverageThreshold" abstract="false" name="ReinsuranceAgreementOptionalTerminationRightPercentOfReinsuranceCoverageThreshold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_SecuredRevolvingCreditFacility2020Member" abstract="true" name="SecuredRevolvingCreditFacility2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_EffectiveIncomeTaxRateReconciliationCompensationShareBasedAndOtherPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationCompensationShareBasedAndOtherPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_ClassOfWarrantOrRightFairValueOfWarrantLiabilityReclassifiedToAdditionalPaidInCapitalUponExercise" abstract="false" name="ClassOfWarrantOrRightFairValueOfWarrantLiabilityReclassifiedToAdditionalPaidInCapitalUponExercise" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_PremiumsEarnedPercentOfRisk" abstract="false" name="PremiumsEarnedPercentOfRisk" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_PremiumDeficiencyReservesPolicyPolicyTextBlock" abstract="false" name="PremiumDeficiencyReservesPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedOptionsExpiredWeightedAverageGrantDateFairValue" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedOptionsExpiredWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="nmih_DebtInstrumentCovenantTermsDebtToTotalCapitalizationRatioMaximum" abstract="false" name="DebtInstrumentCovenantTermsDebtToTotalCapitalizationRatioMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_OtherComprehensiveIncomeLossNetofTaxPortionAttributabletoSubsidiary" abstract="false" name="OtherComprehensiveIncomeLossNetofTaxPortionAttributabletoSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ApprovedInsurersMinimumRequiredAssets" abstract="false" name="ApprovedInsurersMinimumRequiredAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_StatutoryAccountingPracticesContingencyReserve" abstract="false" name="StatutoryAccountingPracticesContingencyReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_DebtSecuritiesCorporateComponentOfTotal.Percentage" abstract="false" name="DebtSecuritiesCorporateComponentOfTotal.Percentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_LineofCreditandRelatedWarrantsTextBlock" abstract="false" name="LineofCreditandRelatedWarrantsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nmih_LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofCoveredClaimsIncludedInNumberofPaidClaims" abstract="false" name="LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofCoveredClaimsIncludedInNumberofPaidClaims" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_TechnologyIndustryGroupMember" abstract="true" name="TechnologyIndustryGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_AnnualLimitationsAfterYearTwoMember" abstract="true" name="AnnualLimitationsAfterYearTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_LoansInPoolPastDue60DaysOrMoreNumberOfLoans" abstract="false" name="LoansInPoolPastDue60DaysOrMoreNumberOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_PremiumReceivableNumberOfDaysToBeWrittenOff" abstract="false" name="PremiumReceivableNumberOfDaysToBeWrittenOff" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nmih_DebtInstrumentVariableInterestRateFloor" abstract="false" name="DebtInstrumentVariableInterestRateFloor" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_ReOneMember" abstract="true" name="ReOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_OrdinaryDividendsRestrictionwithRegardstoCapitalSurplus" abstract="false" name="OrdinaryDividendsRestrictionwithRegardstoCapitalSurplus" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_ExpirationPeriodDomain" abstract="true" name="ExpirationPeriodDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_ScheduleOfRespectiveCoveragesAndRetentions0fTheILNTransactionsTableTextBlock" abstract="false" name="ScheduleOfRespectiveCoveragesAndRetentions0fTheILNTransactionsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nmih_CommunicationsIndustryGroupMember" abstract="true" name="CommunicationsIndustryGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_ExpirationPeriodAxis" abstract="true" name="ExpirationPeriodAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="nmih_CurrentFirstLayerRetainedLoss" abstract="false" name="CurrentFirstLayerRetainedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_AnnualLimitationThrough2016Member" abstract="true" name="AnnualLimitationThrough2016Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" abstract="false" name="StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsNumberOfPrimaryLoansInDefaultPercentOfTotalPoliciesInForce" abstract="false" name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsNumberOfPrimaryLoansInDefaultPercentOfTotalPoliciesInForce" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_PriorToMarch12025Member" abstract="true" name="PriorToMarch12025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_ReinsuranceRetentionPolicyTermOfUnderlyingMortgageAmortization" abstract="false" name="ReinsuranceRetentionPolicyTermOfUnderlyingMortgageAmortization" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nmih_PremiumReceivableWriteOffReserve" abstract="false" name="PremiumReceivableWriteOffReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_AfterMarch12025Member" abstract="true" name="AfterMarch12025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_ReinsuranceCedingCommissionEarned" abstract="false" name="ReinsuranceCedingCommissionEarned" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_MortgageInsuranceRiskinForce" abstract="false" name="MortgageInsuranceRiskinForce" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_CurrentYearClaimsAndClaimsAdjustmentExpenseIncurredButNotReported" abstract="false" name="CurrentYearClaimsAndClaimsAdjustmentExpenseIncurredButNotReported" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_SecuredRevolvingCreditFacility2021Member" abstract="true" name="SecuredRevolvingCreditFacility2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_ReinsuranceRetentionRiskPremiumsPaid" abstract="false" name="ReinsuranceRetentionRiskPremiumsPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_GSEApprovalsMember" abstract="true" name="GSEApprovalsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_CurrentYearClaimsAndClaimsAdjustmentExpenseCaseReserves" abstract="false" name="CurrentYearClaimsAndClaimsAdjustmentExpenseCaseReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_The2012StockIncentivePlanMember" abstract="true" name="The2012StockIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsExercisesinPeriodWeightedAverageGrantDateFairValue" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsExercisesinPeriodWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="nmih_SeniorSecuredTermLoan2018Member" abstract="true" name="SeniorSecuredTermLoan2018Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_InitialReinsuranceCoverage" abstract="false" name="InitialReinsuranceCoverage" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_AnnualLimitation2017Member" abstract="true" name="AnnualLimitation2017Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_PrepaidFederalIncomeTaxes" abstract="false" name="PrepaidFederalIncomeTaxes" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_NumberOfSharesRightToPurchasePerWarrant" abstract="false" name="NumberOfSharesRightToPurchasePerWarrant" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="nmih_LiabilityforPriorYearClaimsandClaimsAdjustmentExpense" abstract="false" name="LiabilityforPriorYearClaimsandClaimsAdjustmentExpense" nillable="true" xbrli:periodType="instant" 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="dtr-types:domainItemType"/>
  <xs:element id="nmih_ReinsuranceRetentionPolicyCededAggregatePremiums" abstract="false" name="ReinsuranceRetentionPolicyCededAggregatePremiums" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_GainLossonChangeinFairValueofWarrantLiability" abstract="false" name="GainLossonChangeinFairValueofWarrantLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_CapitalizedCostsAdditionsToSoftwareEquipmentLeasehold" abstract="false" name="CapitalizedCostsAdditionsToSoftwareEquipmentLeasehold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_LossContingencyNumberOfCases" abstract="false" name="LossContingencyNumberOfCases" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nmih_ReinsuranceCoveragePercentageOfPopulationWithProductionPriorToPeriodStartDate" abstract="false" name="ReinsuranceCoveragePercentageOfPopulationWithProductionPriorToPeriodStartDate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_ApprovedInsurersRiskedBasedRequiredAssetsPrimaryInsuranceFloor" abstract="false" name="ApprovedInsurersRiskedBasedRequiredAssetsPrimaryInsuranceFloor" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nmih_RiskInForceClaimsMember" abstract="true" name="RiskInForceClaimsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingWeightedAverageGrantDateFairValueRollForward" abstract="true" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingWeightedAverageGrantDateFairValueRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalAndSurplusIncludingContingencyReserve" abstract="false" name="StatutoryAccountingPracticesStatutoryCapitalAndSurplusIncludingContingencyReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_ConsumerIndustryGroupMember" abstract="true" name="ConsumerIndustryGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_ReinsuranceProfitCommission" abstract="false" name="ReinsuranceProfitCommission" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nmih_NMICMember" abstract="true" name="NMICMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nmih_ReinsuranceCededClaimsandClaimsExpenses" abstract="false" name="ReinsuranceCededClaimsandClaimsExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
