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  <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_ClassofWarrantorRightNumberofWarrantsExercisedDuringPeriod" name="ClassofWarrantorRightNumberofWarrantsExercisedDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_CreditAgreementMember" name="CreditAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtDiscountPremiumPercentage" name="DebtDiscountPremiumPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" 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_DebtInstrumentCovenantLiquidityRequirementMinimum" name="DebtInstrumentCovenantLiquidityRequirementMinimum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentCovenantRisktoCapitalRatioMaximum" name="DebtInstrumentCovenantRisktoCapitalRatioMaximum" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_DebtInstrumentVariableInterestRateFloor" name="DebtInstrumentVariableInterestRateFloor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
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  <xsd:element id="nmih_ExpenseBenefitforTaxesonCurrentYearUnrealizedGains" name="ExpenseBenefitforTaxesonCurrentYearUnrealizedGains" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" 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 id="nmih_GainLossFromSettlementofWarrants" name="GainLossFromSettlementofWarrants" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_GainLossonChangeinFairValueofWarrantLiability" name="GainLossonChangeinFairValueofWarrantLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_IncreaseDecreaseinReinsuranceAssetsandLiabilities" name="IncreaseDecreaseinReinsuranceAssetsandLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nmih_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_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_LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseNumberofClaimsPaid" name="LiabilityforUnpaidClaimsandClaimsAdjustmentExpenseNumberofClaimsPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <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_MortgagePoolInsuranceClaimDeductible" name="MortgagePoolInsuranceClaimDeductible" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_NMicandReoneCombinedMember" name="NMicandReoneCombinedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="nmih_PremiumDeficiencyReservesPolicyPolicyTextBlock" name="PremiumDeficiencyReservesPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_ProceedsFromIssuanceofCommonStockNetofStockIssuanceCosts" name="ProceedsFromIssuanceofCommonStockNetofStockIssuanceCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="nmih_SeniorSecuredDebtMember" name="SeniorSecuredDebtMember" 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 abstract="true" id="nmih_StockCompensationPlanandWarrantMember" name="StockCompensationPlanandWarrantMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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_StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" name="StockIssuedDuringPeriodValueEmployeeStockPurchasePlanNetofTaxWithholdings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nmih_ThirdPartyReinsurersMember" name="ThirdPartyReinsurersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="nmih_WarrantLiabilityMember" name="WarrantLiabilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
