NMI Holdings Inc.
NMIH.US | Non-life insurance
NMI Holdings, Inc. is the holding company for National Mortgage Insurance Corporation (National MI), a U.S.-based private mortgage insurance company. National MI provides mortgage insurance, which protects lenders and investors against losses in the event of borrower default. This allows lenders to ...Show More
Better Health for All
0
NMI Holdings' core business of mortgage insurance facilitates homeownership, which the company states can indirectly affect health outcomes such as reduced stress and wealth building.
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The company's products help bridge the affordability gap for homeownership, specifically mentioning support for low- and moderate-income homebuyers through programs like Fannie Mae's HomeReady® and Freddie Mac's Home Possible®.
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NMI has a data privacy policy and program, complying with relevant laws like GLBA and CCPA.
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While NMI offers mental health training and resources to its employees, this is an internal benefit and not a product or service for external users.
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Similarly, NMI provides employee health and wellness benefits, which are internal to the company.
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Fair Money & Economic Opportunity
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No evidence available to assess NMI Holdings Inc on Fair Money & Economic Opportunity.
Fair Pay & Worker Respect
40
For the 2024 fiscal year, the CEO to median employee pay ratio was 51:1.
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Employee engagement surveys in 2025 showed 96% of employees rated the company as a "Great Place to Work," which is 39 points above the U.S. average.
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The company's 4-year average voluntary turnover rate is 7.6%.
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Healthcare plans cover at least 90% of monthly premiums for employees and their families.
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Fair Trade & Ethical Sourcing
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NMI Holdings, Inc. operates as a mortgage insurance company, a financial services provider.
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Its business model does not involve the procurement or trade of physical commodities, nor does it have a supply chain that would typically require fair-trade certifications, sourcing audits, or traceability of physical goods. Therefore, all KPIs related to fair trade and ethical sourcing of materials or upstream labor practices are not applicable to the company's operations. No evidence was found in the provided articles to suggest otherwise or to score any of these KPIs positively or negatively.
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Honest & Fair Business
-60
The company has a complaint handling process that includes an anonymous hotline, but there is no evidence of independent investigation processes or specific policy details.
1
An anti-fraud policy and ethics training are in place, but specific details on anti-corruption measures, training frequency, or effectiveness metrics are not provided.
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The company mentions internal audit and SOC 2 Type 2 certification from vendors, but there is no evidence of independent third-party verification of its ethical claims or compliance beyond this limited scope.
3
Kind to Animals
0
NMI Holdings Inc. is a mortgage insurance company, operating as a service-oriented business. Its core operations do not involve physical products, animal testing, animal husbandry, animal-derived ingredients, or animal agriculture. Therefore, KPIs related to cruelty-free certification, alternative testing methods, humane certifications for operations, ethical input substitution, animal-related supplier audits, cage-free sourcing, animal testing policies and volume, innovation investment in animal-free technologies, and animal agriculture ethics are not applicable to its business model. While the company engages in general community and environmental initiatives like cleanup projects at the Oakland Zoo and tree planting, there is no measurable data on their biodiversity impact or species recovery to score the wildlife conservation impact KPI.
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Similarly, the company's engagement with policymakers is focused on the mortgage industry, not animal welfare, making the public policy engagement KPI not applicable.
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No War, No Weapons
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No evidence available to assess NMI Holdings Inc on No War, No Weapons.
Planet-Friendly Business
0
The provided articles, including summaries of the 2022, 2024, and 2025 Sustainability Reports, do not contain specific quantitative data for any of the Planet-Friendly Business KPIs. There is no information on Scope 1, 2, or 3 emissions, renewable energy usage, water consumption, waste diversion rates, climate targets (including SBTi or net-zero), TCFD alignment, or any other environmental performance metrics.
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While one article mentions a LEED Gold-certified headquarters building,
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the total number of facilities is not provided, preventing the calculation of a percentage for green-certified buildings. No environmental compliance violations are mentioned across the reports.
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Respect for Cultures & Communities
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In 2024, the company donated over $550,000 to various educational funds and facilitated over $20,000 in employee matching gift donations to nearly 60 organizations.
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However, there is no specific information indicating that these donations were directed to cultural heritage organizations, nor is a percentage of revenue specified for such giving.
2
Safe & Smart Tech
10
NMI Holdings, Inc. reported no material cybersecurity events as of February 14, 2025, and no specific incidents of unauthorized data use.
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The company uses the NIST Cybersecurity Framework as a benchmark for its security program.
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Its privacy policy, updated March 27, 2025, states compliance with UK GDPR and the Data Protection Act 2018.
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The policy also outlines user rights including access, correction, deletion, restriction of processing, data portability, and withdrawal of consent.
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NMI is undertaking a program to assess readiness for GDPR, including mapping data flows globally.
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Zero Waste & Sustainable Products
-40
The company has implemented several waste reduction initiatives, including reduced printing requirements, providing employees with reusable cups to lower kitchen paper product needs, regular e-waste pickup and responsible disposal by a third-party vendor, and routine office furniture donations.
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Its headquarters is in a LEED Gold-certified building, which also received the Institute of Real Estate Management (IREM) Certified Sustainable Property designation.
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The company uses LED lighting, motion-sensor lighting, Energy Star appliances, temperature-controlled air and water heating, and water-efficient plumbing fixtures in its headquarters, and has decreased paper use.
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NMI Holdings outsources its production data center to a provider that uses 100% green energy.
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The company has reported no waste disposal violations in the past three years.
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