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  <xsd:element abstract="true" id="nmih_MortgageInsuranceRiskinForcePoolAbstract" name="MortgageInsuranceRiskinForcePoolAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nmih_MortgageInsuranceRiskinForcePrimary" name="MortgageInsuranceRiskinForcePrimary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_MortgageInsuranceinForcePool" name="MortgageInsuranceinForcePool" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="nmih_MortgageInsuranceinForcePrimary" name="MortgageInsuranceinForcePrimary" 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_NMIReOneMember" name="NMIReOneMember" 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_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 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_RiskToCapitalRatioRegulatoryActual" name="RiskToCapitalRatioRegulatoryActual" 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 id="nmih_StatutoryAccountingPracticesContingencyReserve" name="StatutoryAccountingPracticesContingencyReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_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_WarrantLiabilityReductionTransferredtoEquity" name="WarrantLiabilityReductionTransferredtoEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
</xsd:schema>
