<?xml version="1.0" encoding="US-ASCII"?>
<!--XBRL Document Created with Wdesk from Workiva-->
<!-- -->
<xsd:schema attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.nationalmi.com/20181231" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nmih="http://www.nationalmi.com/20181231" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <xsd:import namespace="http://fasb.org/srt/2018-01-31" schemaLocation="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-gaap/2018-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2018-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2018/elts/us-roles-2018-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-types/2018-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2018/elts/us-types-2018-01-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/country/2017-01-31" schemaLocation="http://xbrl.sec.gov/country/2017/country-2017-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/currency/2017-01-31" schemaLocation="http://xbrl.sec.gov/currency/2017/currency-2017-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2018-01-31" schemaLocation="https://xbrl.sec.gov/dei/2018/dei-2018-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/exch/2018-01-31" schemaLocation="https://xbrl.sec.gov/exch/2018/exch-2018-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/naics/2017-01-31" schemaLocation="http://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2018-01-31" schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nmih-20181231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nmih-20181231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nmih-20181231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nmih-20181231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:roleType id="CommitmentsAndContingencies" roleURI="http://www.nationalmi.com/role/CommitmentsAndContingencies">
        <link:definition>2114100 - 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="CommitmentsAndContingenciesFutureMinimumLeasePaymentsDetails" roleURI="http://www.nationalmi.com/role/CommitmentsAndContingenciesFutureMinimumLeasePaymentsDetails">
        <link:definition>2414403 - Disclosure - Commitments and Contingencies - Future Minimum Lease Payments (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>2414402 - 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="CommitmentsAndContingenciesTables" roleURI="http://www.nationalmi.com/role/CommitmentsAndContingenciesTables">
        <link:definition>2314301 - 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="CommonStockOffering" roleURI="http://www.nationalmi.com/role/CommonStockOffering">
        <link:definition>2115100 - Disclosure - Common Stock Offering</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="CommonStockOfferingNarrativeDetails" roleURI="http://www.nationalmi.com/role/CommonStockOfferingNarrativeDetails">
        <link:definition>2415401 - Disclosure - Common Stock Offering - 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="ConsolidatedBalanceSheets" roleURI="http://www.nationalmi.com/role/ConsolidatedBalanceSheets">
        <link:definition>1001000 - 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>1001501 - 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="ConsolidatedStatementsOfCashFlows" roleURI="http://www.nationalmi.com/role/ConsolidatedStatementsOfCashFlows">
        <link:definition>1004000 - 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="ConsolidatedStatementsOfChangesInShareholdersEquity" roleURI="http://www.nationalmi.com/role/ConsolidatedStatementsOfChangesInShareholdersEquity">
        <link:definition>1003000 - 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>1003501 - 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="ConsolidatedStatementsOfOperationsAndComprehensiveIncome" roleURI="http://www.nationalmi.com/role/ConsolidatedStatementsOfOperationsAndComprehensiveIncome">
        <link:definition>1002000 - 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>1002501 - 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="Debt" roleURI="http://www.nationalmi.com/role/Debt">
        <link:definition>2105100 - 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="DebtNarrativeDetails" roleURI="http://www.nationalmi.com/role/DebtNarrativeDetails">
        <link:definition>2405402 - Disclosure - Debt - 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="DebtScheduleOfFuturePrincipalPaymentsDetails" roleURI="http://www.nationalmi.com/role/DebtScheduleOfFuturePrincipalPaymentsDetails">
        <link:definition>2405403 - Disclosure - Debt - Schedule of Future Principal Payments (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="DebtTables" roleURI="http://www.nationalmi.com/role/DebtTables">
        <link:definition>2305301 - Disclosure - Debt (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="DocumentAndEntityInformation" roleURI="http://www.nationalmi.com/role/DocumentAndEntityInformation">
        <link:definition>0001000 - Document - Document and Entity 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="EarningsPerShareEps" roleURI="http://www.nationalmi.com/role/EarningsPerShareEps">
        <link:definition>2108100 - Disclosure - Earnings per Share (EPS)</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="EarningsPerShareEpsComputationOfBasicAndDilutedEarningsPerShareDetails" roleURI="http://www.nationalmi.com/role/EarningsPerShareEpsComputationOfBasicAndDilutedEarningsPerShareDetails">
        <link:definition>2408402 - Disclosure - Earnings per Share (EPS) - Computation of Basic and Diluted 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="EarningsPerShareEpsTables" roleURI="http://www.nationalmi.com/role/EarningsPerShareEpsTables">
        <link:definition>2308301 - Disclosure - Earnings per Share (EPS) (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="FairValueOfFinancialInstruments" roleURI="http://www.nationalmi.com/role/FairValueOfFinancialInstruments">
        <link:definition>2104100 - 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="FairValueOfFinancialInstrumentsAssetsAndLiabilitiesAtFairValueDetails" roleURI="http://www.nationalmi.com/role/FairValueOfFinancialInstrumentsAssetsAndLiabilitiesAtFairValueDetails">
        <link:definition>2404402 - 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="FairValueOfFinancialInstrumentsNarrativeDetails" roleURI="http://www.nationalmi.com/role/FairValueOfFinancialInstrumentsNarrativeDetails">
        <link:definition>2404405 - 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="FairValueOfFinancialInstrumentsRollfowardOfLevel3LiabilitiesDetails" roleURI="http://www.nationalmi.com/role/FairValueOfFinancialInstrumentsRollfowardOfLevel3LiabilitiesDetails">
        <link:definition>2404403 - 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="FairValueOfFinancialInstrumentsTables" roleURI="http://www.nationalmi.com/role/FairValueOfFinancialInstrumentsTables">
        <link:definition>2304301 - 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="FairValueOfFinancialInstrumentsValuationAssumptionsForWarrantLiabilitiesDetails" roleURI="http://www.nationalmi.com/role/FairValueOfFinancialInstrumentsValuationAssumptionsForWarrantLiabilitiesDetails">
        <link:definition>2404404 - 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="IncomeTaxes" roleURI="http://www.nationalmi.com/role/IncomeTaxes">
        <link:definition>2111100 - 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="IncomeTaxesComponentsOfIncomeTaxExpenseBenefitDetails" roleURI="http://www.nationalmi.com/role/IncomeTaxesComponentsOfIncomeTaxExpenseBenefitDetails">
        <link:definition>2411402 - 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="IncomeTaxesDeferredTaxAssetAndLiabilitiesDetails" roleURI="http://www.nationalmi.com/role/IncomeTaxesDeferredTaxAssetAndLiabilitiesDetails">
        <link:definition>2411405 - 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="IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails" roleURI="http://www.nationalmi.com/role/IncomeTaxesEffectiveIncomeTaxRateReconciliationDetails">
        <link:definition>2411404 - 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="IncomeTaxesNarrativeDetails" roleURI="http://www.nationalmi.com/role/IncomeTaxesNarrativeDetails">
        <link:definition>2411403 - 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="IncomeTaxesTables" roleURI="http://www.nationalmi.com/role/IncomeTaxesTables">
        <link:definition>2311301 - 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="IntangibleAssetsAndGoodwill" roleURI="http://www.nationalmi.com/role/IntangibleAssetsAndGoodwill">
        <link:definition>2113100 - 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="IntangibleAssetsAndGoodwillBalancesDetails" roleURI="http://www.nationalmi.com/role/IntangibleAssetsAndGoodwillBalancesDetails">
        <link:definition>2413402 - Disclosure - Intangible Assets and Goodwill - 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="IntangibleAssetsAndGoodwillTables" roleURI="http://www.nationalmi.com/role/IntangibleAssetsAndGoodwillTables">
        <link:definition>2313301 - 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="Investments" roleURI="http://www.nationalmi.com/role/Investments">
        <link:definition>2103100 - 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="InvestmentsAgingOfUnrealizedLossesDetails" roleURI="http://www.nationalmi.com/role/InvestmentsAgingOfUnrealizedLossesDetails">
        <link:definition>2403405 - 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="InvestmentsCorporateDebtSecuritiesByIndustryGroupDetails" roleURI="http://www.nationalmi.com/role/InvestmentsCorporateDebtSecuritiesByIndustryGroupDetails">
        <link:definition>2403403 - 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="InvestmentsFairValuesAndGrossUnrealizedGainsAndLossesDetails" roleURI="http://www.nationalmi.com/role/InvestmentsFairValuesAndGrossUnrealizedGainsAndLossesDetails">
        <link:definition>2403402 - 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="InvestmentsNarrativeDetails" roleURI="http://www.nationalmi.com/role/InvestmentsNarrativeDetails">
        <link:definition>2403408 - 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="InvestmentsNetInvestmentIncomeDetails" roleURI="http://www.nationalmi.com/role/InvestmentsNetInvestmentIncomeDetails">
        <link:definition>2403406 - 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>2403407 - 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="InvestmentsScheduledMaturitiesDetails" roleURI="http://www.nationalmi.com/role/InvestmentsScheduledMaturitiesDetails">
        <link:definition>2403404 - 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="InvestmentsTables" roleURI="http://www.nationalmi.com/role/InvestmentsTables">
        <link:definition>2303301 - 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="OrganizationAndBasisOfPresentation" roleURI="http://www.nationalmi.com/role/OrganizationAndBasisOfPresentation">
        <link:definition>2101100 - 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="OrganizationAndBasisOfPresentationNarrativeDetails" roleURI="http://www.nationalmi.com/role/OrganizationAndBasisOfPresentationNarrativeDetails">
        <link:definition>2401401 - Disclosure - Organization and Basis of Presentation - 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="QuarterlyFinancialDataUnaudited" roleURI="http://www.nationalmi.com/role/QuarterlyFinancialDataUnaudited">
        <link:definition>2117100 - 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="QuarterlyFinancialDataUnauditedDetails" roleURI="http://www.nationalmi.com/role/QuarterlyFinancialDataUnauditedDetails">
        <link:definition>2417402 - 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="QuarterlyFinancialDataUnauditedTables" roleURI="http://www.nationalmi.com/role/QuarterlyFinancialDataUnauditedTables">
        <link:definition>2317301 - 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="RegulatoryInformation" roleURI="http://www.nationalmi.com/role/RegulatoryInformation">
        <link:definition>2116100 - 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="RegulatoryInformationNarrativeDetails" roleURI="http://www.nationalmi.com/role/RegulatoryInformationNarrativeDetails">
        <link:definition>2416403 - 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="RegulatoryInformationScheduleOfCombinedStatutoryNetLossStatutorySurplusContingencyReserveAndRtcRatiosDetails" roleURI="http://www.nationalmi.com/role/RegulatoryInformationScheduleOfCombinedStatutoryNetLossStatutorySurplusContingencyReserveAndRtcRatiosDetails">
        <link:definition>2416402 - 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="RegulatoryInformationTables" roleURI="http://www.nationalmi.com/role/RegulatoryInformationTables">
        <link:definition>2316301 - 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="Reinsurance" roleURI="http://www.nationalmi.com/role/Reinsurance">
        <link:definition>2106100 - 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="ReinsuranceAmountsCededRelatedToQsrTransactionsDetails" roleURI="http://www.nationalmi.com/role/ReinsuranceAmountsCededRelatedToQsrTransactionsDetails">
        <link:definition>2406404 - 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="ReinsuranceEffectOfReinsuranceAgreementsOnPremiumsWrittenAndEarnedDetails" roleURI="http://www.nationalmi.com/role/ReinsuranceEffectOfReinsuranceAgreementsOnPremiumsWrittenAndEarnedDetails">
        <link:definition>2406402 - 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>2406403 - 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="ReinsuranceTables" roleURI="http://www.nationalmi.com/role/ReinsuranceTables">
        <link:definition>2306301 - 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="ReserveForInsuranceClaimsAndClaimExpenses" roleURI="http://www.nationalmi.com/role/ReserveForInsuranceClaimsAndClaimExpenses">
        <link:definition>2107100 - 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="ReservesForInsuranceClaimsAndClaimExpensesAverageAnnualPercentagePayoutOfIncurredClaimsByAgeNetOfReinsuranceDetails" roleURI="http://www.nationalmi.com/role/ReservesForInsuranceClaimsAndClaimExpensesAverageAnnualPercentagePayoutOfIncurredClaimsByAgeNetOfReinsuranceDetails">
        <link:definition>2407406 - 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="ReservesForInsuranceClaimsAndClaimExpensesClaimDevelopmentByAccidentYearAndReconciliationOfReserveForInsuranceClaimsAndClaimsExpenseDetails" roleURI="http://www.nationalmi.com/role/ReservesForInsuranceClaimsAndClaimExpensesClaimDevelopmentByAccidentYearAndReconciliationOfReserveForInsuranceClaimsAndClaimsExpenseDetails">
        <link:definition>2407404 - 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="ReservesForInsuranceClaimsAndClaimExpensesNarrativeDetails" roleURI="http://www.nationalmi.com/role/ReservesForInsuranceClaimsAndClaimExpensesNarrativeDetails">
        <link:definition>2407402 - 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="ReservesForInsuranceClaimsAndClaimExpensesReconciliationOfDisclosureOfIncurredAndPaidClaimsDevelopmentToLiabilityForUnpaidClaimsAndClaimsAdjustmentExpensesDetails" roleURI="http://www.nationalmi.com/role/ReservesForInsuranceClaimsAndClaimExpensesReconciliationOfDisclosureOfIncurredAndPaidClaimsDevelopmentToLiabilityForUnpaidClaimsAndClaimsAdjustmentExpensesDetails">
        <link:definition>2407405 - 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="ReservesForInsuranceClaimsAndClaimExpensesReconciliationOfReserveBalancesForInsuranceClaimsExpensesDetails" roleURI="http://www.nationalmi.com/role/ReservesForInsuranceClaimsAndClaimExpensesReconciliationOfReserveBalancesForInsuranceClaimsExpensesDetails">
        <link:definition>2407403 - Disclosure - Reserves for Insurance Claims and Claim Expenses - Reconciliation of Reserve Balances for Insurance Claims 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="ReservesForInsuranceClaimsAndClaimExpensesTables" roleURI="http://www.nationalmi.com/role/ReservesForInsuranceClaimsAndClaimExpensesTables">
        <link:definition>2307301 - 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="ScheduleISummaryOfInvestmentsOtherThanInvestmentsInRelatedParties" roleURI="http://www.nationalmi.com/role/ScheduleISummaryOfInvestmentsOtherThanInvestmentsInRelatedParties">
        <link:definition>2119100 - Schedule - 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="ScheduleISummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesDetails" roleURI="http://www.nationalmi.com/role/ScheduleISummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesDetails">
        <link:definition>2419401 - Schedule - 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="ScheduleIiFinancialInformationOfRegistrantParentCompanyOnly" roleURI="http://www.nationalmi.com/role/ScheduleIiFinancialInformationOfRegistrantParentCompanyOnly">
        <link:definition>2120100 - Schedule - 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="ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyBalanceSheetsAdditionalInformationParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyBalanceSheetsAdditionalInformationParentCompanyOnlyDetails">
        <link:definition>2420402 - Schedule - 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="ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyBalanceSheetsParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyBalanceSheetsParentCompanyOnlyDetails">
        <link:definition>2420401 - Schedule - 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="ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyStatementOfOperationsAdditionalInformationParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyStatementOfOperationsAdditionalInformationParentCompanyOnlyDetails">
        <link:definition>2420404 - Schedule - 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="ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyStatementOfOperationsParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyStatementOfOperationsParentCompanyOnlyDetails">
        <link:definition>2420403 - Schedule - 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="ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyStatementsOfCashFlowsParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/ScheduleIiFinancialInformationOfRegistrantParentCompanyOnlyStatementsOfCashFlowsParentCompanyOnlyDetails">
        <link:definition>2420405 - Schedule - 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>2420406 - Schedule - 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="ScheduleIvFinancialInformationOfRegistrantReinsuranceParentCompanyOnly" roleURI="http://www.nationalmi.com/role/ScheduleIvFinancialInformationOfRegistrantReinsuranceParentCompanyOnly">
        <link:definition>2121100 - Schedule - SCHEDULE IV - FINANCIAL INFORMATION OF REGISTRANT REINSURANCE - 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="ScheduleIvFinancialInformationOfRegistrantReinsuranceParentCompanyOnlyDetails" roleURI="http://www.nationalmi.com/role/ScheduleIvFinancialInformationOfRegistrantReinsuranceParentCompanyOnlyDetails">
        <link:definition>2421401 - Schedule - SCHEDULE IV - FINANCIAL INFORMATION OF REGISTRANT REINSURANCE - 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="ShareBasedCompensation" roleURI="http://www.nationalmi.com/role/ShareBasedCompensation">
        <link:definition>2110100 - 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="ShareBasedCompensationNarrativeDetails" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationNarrativeDetails">
        <link:definition>2410402 - 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="ShareBasedCompensationRestrictedStockUnitsActivityDetails" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationRestrictedStockUnitsActivityDetails">
        <link:definition>2410405 - 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="ShareBasedCompensationStockOptionActivityDetails" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationStockOptionActivityDetails">
        <link:definition>2410403 - 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="ShareBasedCompensationStockOptionValuationAssumptionsDetails" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationStockOptionValuationAssumptionsDetails">
        <link:definition>2410404 - Disclosure - Share-Based Compensation - Stock Option Valuation 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="ShareBasedCompensationTables" roleURI="http://www.nationalmi.com/role/ShareBasedCompensationTables">
        <link:definition>2310301 - 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="SoftwareAndEquipment" roleURI="http://www.nationalmi.com/role/SoftwareAndEquipment">
        <link:definition>2112100 - 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="SoftwareAndEquipmentNarrativeDetails" roleURI="http://www.nationalmi.com/role/SoftwareAndEquipmentNarrativeDetails">
        <link:definition>2412403 - 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="SoftwareAndEquipmentNetBalancesDetails" roleURI="http://www.nationalmi.com/role/SoftwareAndEquipmentNetBalancesDetails">
        <link:definition>2412402 - 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="SoftwareAndEquipmentTables" roleURI="http://www.nationalmi.com/role/SoftwareAndEquipmentTables">
        <link:definition>2312301 - 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="SummaryOfAccountingPolicies" roleURI="http://www.nationalmi.com/role/SummaryOfAccountingPolicies">
        <link:definition>2102100 - Disclosure - Summary of Accounting 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="SummaryOfAccountingPoliciesNarrativeDetails" roleURI="http://www.nationalmi.com/role/SummaryOfAccountingPoliciesNarrativeDetails">
        <link:definition>2402402 - Disclosure - Summary of Accounting Policies - 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="SummaryOfAccountingPoliciesPolicies" roleURI="http://www.nationalmi.com/role/SummaryOfAccountingPoliciesPolicies">
        <link:definition>2202201 - Disclosure - Summary of Accounting Policies (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="Warrants" roleURI="http://www.nationalmi.com/role/Warrants">
        <link:definition>2109100 - 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="WarrantsNarrativeDetails" roleURI="http://www.nationalmi.com/role/WarrantsNarrativeDetails">
        <link:definition>2409401 - Disclosure - Warrants - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element abstract="true" id="nmih_AccountingStandardsUpdate201802Member" name="AccountingStandardsUpdate201802Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_AccumulatedOtherComprehensiveIncomeLossDebtSecuritiesAvailableForSaleStrandedTax" name="AccumulatedOtherComprehensiveIncomeLossDebtSecuritiesAvailableForSaleStrandedTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_AmountOfDilutiveSecuritiesWarrants" name="AmountOfDilutiveSecuritiesWarrants" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_AnnualLimitationThroughYearTwoMember" name="AnnualLimitationThroughYearTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_AnnualLimitationsAfterYearTwoMember" name="AnnualLimitationsAfterYearTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_AnticipatedOperatingExpensePaymentsAnnual" name="AnticipatedOperatingExpensePaymentsAnnual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ApprovedInsurersMinimumRequiredAssets" name="ApprovedInsurersMinimumRequiredAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_ApprovedInsurersRiskedBasedRequiredAssetsPrimaryInsuranceFloor" name="ApprovedInsurersRiskedBasedRequiredAssetsPrimaryInsuranceFloor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_BusinessCombinationConsiderationTransferredCashandEquityInterestsIssuedandIssuable" name="BusinessCombinationConsiderationTransferredCashandEquityInterestsIssuedandIssuable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_CapitalizedCostsAdditionsToSoftwareEquipmentLeasehold" name="CapitalizedCostsAdditionsToSoftwareEquipmentLeasehold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_CededCreditRiskCommissionEarnedPercentage" name="CededCreditRiskCommissionEarnedPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_CededCreditRiskProfitCommissionLossRatioOnLoansThreshold" name="CededCreditRiskProfitCommissionLossRatioOnLoansThreshold" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ClassOfWarrantOrRightChangeInFairValueOfWarrantLiabilityInCurrentPeriod" name="ClassOfWarrantOrRightChangeInFairValueOfWarrantLiabilityInCurrentPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ClassOfWarrantOrRightFairValueOfWarrantLiabilityReclassifiedToAdditionalPaidInCapitalUponExercise" name="ClassOfWarrantOrRightFairValueOfWarrantLiabilityReclassifiedToAdditionalPaidInCapitalUponExercise" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ClassofWarrantorRightNumberofWarrantsExercisedDuringPeriod" name="ClassofWarrantorRightNumberofWarrantsExercisedDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_CommunicationsIndustryGroupMember" name="CommunicationsIndustryGroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_ConsumerIndustryGroupMember" name="ConsumerIndustryGroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_CreditAgreementAmendmentMember" name="CreditAgreementAmendmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentCovenantDebttoTotalCapitalizationRatioMaximum" name="DebtInstrumentCovenantDebttoTotalCapitalizationRatioMaximum" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentPrepaymentPenalty" name="DebtInstrumentPrepaymentPenalty" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentPrepaymentPenaltyPeriod" name="DebtInstrumentPrepaymentPenaltyPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentUnamortizedDiscountAttributableToModifiedLenders" name="DebtInstrumentUnamortizedDiscountAttributableToModifiedLenders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_DebtInstrumentVariableInterestRateFloor" name="DebtInstrumentVariableInterestRateFloor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_DebtSecuritiesByIndustryAxis" name="DebtSecuritiesByIndustryAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_DebtSecuritiesByIndustryDomain" name="DebtSecuritiesByIndustryDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_DebtSecuritiesByIndustryLineItems" name="DebtSecuritiesByIndustryLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtSecuritiesCorporateComponentOfTotal.Percentage" name="DebtSecuritiesCorporateComponentOfTotal.Percentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_DeferredCedingCommission" name="DeferredCedingCommission" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_DeferredFinanceCostsAttributableToModifiedLenderGross" name="DeferredFinanceCostsAttributableToModifiedLenderGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_DeferredTaxAssetsDeferredCedingCommissions" name="DeferredTaxAssetsDeferredCedingCommissions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_DeferredTaxAssetsTaxDeferredExpenseStartupCosts" name="DeferredTaxAssetsTaxDeferredExpenseStartupCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_DocumentandEntityInformationAbstract" name="DocumentandEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_EffectiveIncomeTaxRateReconciliationCompensationShareBasedAndOtherPercent" name="EffectiveIncomeTaxRateReconciliationCompensationShareBasedAndOtherPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_EffectiveIncomeTaxRateReconciliationTrueupFromPriorYearPercent" name="EffectiveIncomeTaxRateReconciliationTrueupFromPriorYearPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_EffectiveIncomeTaxRateReconciliationWarrantGainLossPercent" name="EffectiveIncomeTaxRateReconciliationWarrantGainLossPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolFiveMember" name="EligiblePoliciesPoolFiveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolFourMember" name="EligiblePoliciesPoolFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolOneMember" name="EligiblePoliciesPoolOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolThreeMember" name="EligiblePoliciesPoolThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EligiblePoliciesPoolTwoMember" name="EligiblePoliciesPoolTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_EnergyIndustryGroupMember" name="EnergyIndustryGroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_ExpirationPeriodAxis" name="ExpirationPeriodAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_ExpirationPeriodDomain" name="ExpirationPeriodDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_FannieMaeMember" name="FannieMaeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_FinancialIndustryGroupMember" name="FinancialIndustryGroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_GSEApprovalsMember" name="GSEApprovalsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_GainLossonChangeinFairValueofWarrantLiability" name="GainLossonChangeinFairValueofWarrantLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_IncreaseDecreaseinReinsuranceAssetsandLiabilities" name="IncreaseDecreaseinReinsuranceAssetsandLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_IndustrialIndustryGroupMember" name="IndustrialIndustryGroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_InvestmentsClassifiedByIssuerIndustryGroupTableTextBlock" name="InvestmentsClassifiedByIssuerIndustryGroupTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofCoveredClaimsIncludedInNumberofPaidClaims" name="LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofCoveredClaimsIncludedInNumberofPaidClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofPaidClaims" name="LiabilityforPaidClaimsandClaimsAdjustmentExpenseNumberofPaidClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforPriorYearClaimsandClaimsAdjustmentExpense" name="LiabilityforPriorYearClaimsandClaimsAdjustmentExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsAppliedtoDeductible" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsAppliedtoDeductible" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsurance" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsuranceAmountUnderQSRTransaction" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseClaimsPaidIncludingAmountsCoveredByInsuranceAmountUnderQSRTransaction" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseIncurredbutNotReportedIBNRClaimsDefaultPeriod" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseIncurredbutNotReportedIBNRClaimsDefaultPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseIncurredbutNotReportedIBNRClaimsNumberofPrimaryLoansinDefault" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseIncurredbutNotReportedIBNRClaimsNumberofPrimaryLoansinDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_LineofCreditandRelatedWarrantsTextBlock" name="LineofCreditandRelatedWarrantsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LoansInPoolLoanToValueRatio" name="LoansInPoolLoanToValueRatio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_LoansInPoolPastDue60DaysOrMoreLoanRiskinForce" name="LoansInPoolPastDue60DaysOrMoreLoanRiskinForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_LoansInPoolPastDue60DaysOrMoreNumberOfLoans" name="LoansInPoolPastDue60DaysOrMoreNumberOfLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_MACFinancialHoldingCorporationandSubsidiariesMember" name="MACFinancialHoldingCorporationandSubsidiariesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_MaximumPermittedRTCRatio" name="MaximumPermittedRTCRatio" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_MortgageInsurancePercentageofIndebtednessonSingleLoanLimit" name="MortgageInsurancePercentageofIndebtednessonSingleLoanLimit" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_MortgageInsuranceRiskinForce" name="MortgageInsuranceRiskinForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_MortgagePoolInsuranceClaimDeductible" name="MortgagePoolInsuranceClaimDeductible" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_NMICMember" name="NMICMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_NMIH2014OmnibusIncentivePlanMember" name="NMIH2014OmnibusIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_NMicandReoneCombinedMember" name="NMicandReoneCombinedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_NumberOfSharesRightToPurchasePerWarrant" name="NumberOfSharesRightToPurchasePerWarrant" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_NumberofStatesWhichRequireMinimumAmountofStatutoryCapitalRelativetoRiskInForce" name="NumberofStatesWhichRequireMinimumAmountofStatutoryCapitalRelativetoRiskInForce" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_OaktownReLtdMember" name="OaktownReLtdMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_OrdinaryDividendsRestrictionwithRegardstoCapitalSurplus" name="OrdinaryDividendsRestrictionwithRegardstoCapitalSurplus" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_OrdinaryDividendsRestrictionwithRegardstoCapitalSurplusNextFiscalYear" name="OrdinaryDividendsRestrictionwithRegardstoCapitalSurplusNextFiscalYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="nmih_OtherComprehensiveIncomeLossNetofTaxPortionAttributabletoSubsidiary" name="OtherComprehensiveIncomeLossNetofTaxPortionAttributabletoSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_OtherIndustryGroupMember" name="OtherIndustryGroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_PremiumDeficiencyReserveExpense" name="PremiumDeficiencyReserveExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="nmih_PremiumDeficiencyReservesPolicyPolicyTextBlock" name="PremiumDeficiencyReservesPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_PremiumsEarnedPercentOfRisk" name="PremiumsEarnedPercentOfRisk" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ProceedsFromIssuanceofCommonStockNetofStockIssuanceCosts" name="ProceedsFromIssuanceofCommonStockNetofStockIssuanceCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_QSRTransactionsMember" name="QSRTransactionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceAgreementOptionalTerminationRightPercentOfReinsuranceCoverageThreshold" name="ReinsuranceAgreementOptionalTerminationRightPercentOfReinsuranceCoverageThreshold" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="nmih_ReinsuranceCededClaimsandClaimsExpenses" name="ReinsuranceCededClaimsandClaimsExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceCedingCommissionEarned" name="ReinsuranceCedingCommissionEarned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceCedingCommissionWritten" name="ReinsuranceCedingCommissionWritten" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceProfitCommission" name="ReinsuranceProfitCommission" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceRetentionPolicyTermOfUnderlyingMortgageAmortization" name="ReinsuranceRetentionPolicyTermOfUnderlyingMortgageAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ReinsuranceRetentionRiskPremiumsPaid" name="ReinsuranceRetentionRiskPremiumsPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_RestrictedStockUnitsRSUsSubjecttoServiceAndPerformanceConditionsMember" name="RestrictedStockUnitsRSUsSubjecttoServiceAndPerformanceConditionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_RestrictedStockUnitsRSUsSubjecttoServiceConditionsMember" name="RestrictedStockUnitsRSUsSubjecttoServiceConditionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_RiskInForceCeded" name="RiskInForceCeded" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_RiskInForceClaimsMember" name="RiskInForceClaimsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_RiskToCapitalRatioRegulatoryActual" name="RiskToCapitalRatioRegulatoryActual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nmih_SecuredRevolvingCreditFacility2018Member" name="SecuredRevolvingCreditFacility2018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_SeniorSecuredDebtMember" name="SeniorSecuredDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_SeniorSecuredTermLoan2018Member" name="SeniorSecuredTermLoan2018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsExercisesinPeriodWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsExercisesinPeriodWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedOptionsExpiredWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedOptionsExpiredWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingWeightedAverageGrantDateFairValueRollForward" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingWeightedAverageGrantDateFairValueRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element 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_StockIssuedDuringPeriodOverallotmentOptionPercent" name="StockIssuedDuringPeriodOverallotmentOptionPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlansNetofSharesForTaxWithholdings" name="StockIssuedDuringPeriodSharesEmployeeStockPurchasePlansNetofSharesForTaxWithholdings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuedDuringPeriodSharesNewIssuesBeforeOverallotment" name="StockIssuedDuringPeriodSharesNewIssuesBeforeOverallotment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" name="StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_TaxCutsandJobsActof2017IncompleteAccountingChangeinTaxRateProvisionalIncomeTaxExpenseBenefit" name="TaxCutsandJobsActof2017IncompleteAccountingChangeinTaxRateProvisionalIncomeTaxExpenseBenefit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TechnologyIndustryGroupMember" name="TechnologyIndustryGroupMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_The2012StockIncentivePlanMember" name="The2012StockIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_ThirdPartyReinsurersMember" name="ThirdPartyReinsurersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ThresholdPeriodPastDueForWriteOffOfMortgageInsurancePremiumsReceivable" name="ThresholdPeriodPastDueForWriteOffOfMortgageInsurancePremiumsReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandEighteenILNNotesMember" name="TwoThousandEighteenILNNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandEighteenILNTransactionMember" name="TwoThousandEighteenILNTransactionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandEighteenQSRTransactionMember" name="TwoThousandEighteenQSRTransactionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandSeventeenILNNotesMember" name="TwoThousandSeventeenILNNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandSeventeenILNTransactionMember" name="TwoThousandSeventeenILNTransactionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_TwoThousandSixteenQSRTransactionMember" name="TwoThousandSixteenQSRTransactionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_UtilitiesIndustryGroupMember" name="UtilitiesIndustryGroupMember" 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>
