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  <xsd:element id="nmih_MortgageInsuranceRiskinForce" name="MortgageInsuranceRiskinForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_MortgageInsuranceRiskinForcePoolAbstract" name="MortgageInsuranceRiskinForcePoolAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_MortgageInsuranceinForceAssumedPool" name="MortgageInsuranceinForceAssumedPool" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_MortgageInsuranceinForceCededPool" name="MortgageInsuranceinForceCededPool" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_MortgageInsuranceinForceGrossPool" name="MortgageInsuranceinForceGrossPool" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_NMIReOneMember" name="NMIReOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_NumberofEscrowAccountsFundsReleasedUponGSEApproval" name="NumberofEscrowAccountsFundsReleasedUponGSEApproval" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_NumberofInsured" name="NumberofInsured" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_NumberofSimulations" name="NumberofSimulations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_NumberofStatesWhichRequireMinimumAmountofStatutoryCapitalRelativetoRiskInForce" name="NumberofStatesWhichRequireMinimumAmountofStatutoryCapitalRelativetoRiskInForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_OfferingandIncorporationExpensesPolicyPolicyTextBlock" name="OfferingandIncorporationExpensesPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_OperationalManualsMember" name="OperationalManualsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_OrdinaryDividendsRestrictionwithRegardstoCapitalSurplus" name="OrdinaryDividendsRestrictionwithRegardstoCapitalSurplus" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_PlacementFeePayable" name="PlacementFeePayable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_PotentialRiskInForcetoCapitalRatio" name="PotentialRiskInForcetoCapitalRatio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_PremiumDeficiencyReservesPolicyPolicyTextBlock" name="PremiumDeficiencyReservesPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_PrimaryRiskinForceAbstract" name="PrimaryRiskinForceAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_PrimaryRiskinForceAssumed" name="PrimaryRiskinForceAssumed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_PrimaryRiskinForceCeded" name="PrimaryRiskinForceCeded" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_PrimaryRiskinForceGross" name="PrimaryRiskinForceGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_ProceedsfromIssuanceInitialPublicOfferingNet" name="ProceedsfromIssuanceInitialPublicOfferingNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ProceedsfromSaleofCommonStockEscrowDeposit" name="ProceedsfromSaleofCommonStockEscrowDeposit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <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 id="nmih_RiskinForcePrimary" name="RiskinForcePrimary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_SaleofStockAxis" name="SaleofStockAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_SaleofStockDomain" name="SaleofStockDomain" 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_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsContainingaMarketConditionVestedinPeriod" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsContainingaMarketConditionVestedinPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedSubjecttoBothMarketandServiceConditionsAnnualVestingPercentage" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedSubjecttoBothMarketandServiceConditionsAnnualVestingPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedSubjecttoBothMarketandServiceConditionsNumber" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedSubjecttoBothMarketandServiceConditionsNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedSubjecttoOnlyServiceConditionsNumber" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsNonvestedSubjecttoOnlyServiceConditionsNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsCanceledinPeriod" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsCanceledinPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedOptionsCanceledWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedOptionsCanceledWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardPlanModificationNumberofSharesOutstandingandUnvestedAffected" name="SharebasedCompensationArrangementbySharebasedPaymentAwardPlanModificationNumberofSharesOutstandingandUnvestedAffected" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementsbySharebasedPaymentAwardOptionsCanceledinPeriodWeightedAverageExercisePrice" name="SharebasedCompensationArrangementsbySharebasedPaymentAwardOptionsCanceledinPeriodWeightedAverageExercisePrice" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ShareholderPercentProvisionRegardingUnderwritingPolicies" name="ShareholderPercentProvisionRegardingUnderwritingPolicies" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_StateLicensesMember" name="StateLicensesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesContingencyReserve" name="StatutoryAccountingPracticesContingencyReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_StatutoryAccountingPracticesInitialStatutoryCapitalandSurplusRequired" name="StatutoryAccountingPracticesInitialStatutoryCapitalandSurplusRequired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredAgreementtoNotEnterintoReinsuranceRiskPeriod" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredAgreementtoNotEnterintoReinsuranceRiskPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredNoDeclarationorDividendPaymentPeriod" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredNoDeclarationorDividendPaymentPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredPeriod" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredRequirementtoNotEnterinCapitalSupportAgreementPeriod" name="StatutoryAccountingPracticesStatutoryCapitalandSurplusRequiredRequirementtoNotEnterinCapitalSupportAgreementPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StatutoryAccountingPracticesStatutoryPolicyholdersSurplusPlusContingencyReserves" name="StatutoryAccountingPracticesStatutoryPolicyholdersSurplusPlusContingencyReserves" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_StockIssuanceCostsPurchaserDiscountsandPlacementFees" name="StockIssuanceCostsPurchaserDiscountsandPlacementFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuanceCostsPurchaserDiscountsandPlacementFeesPaidinCash" name="StockIssuanceCostsPurchaserDiscountsandPlacementFeesPaidinCash" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuanceCostsPurchaserDiscountsandPlacementFeespaidinCommonStock" name="StockIssuanceCostsPurchaserDiscountsandPlacementFeespaidinCommonStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuedDuringPeriodNetProceedsPercentagePlacedinInvestmentAccounts" name="StockIssuedDuringPeriodNetProceedsPercentagePlacedinInvestmentAccounts" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuedDuringPeriodUnderwritingFeeandOtherOfferingExpensePercentage" name="StockIssuedDuringPeriodUnderwritingFeeandOtherOfferingExpensePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_The2012StockIncentivePlanMember" name="The2012StockIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_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>
