About Us
Our Story
About National MI

About National MI

National MI is a U.S.-based private mortgage insurance (PMI) company headquartered in Emeryville, CA, approved by Fannie Mae and Freddie Mac as an eligible mortgage insurer licensed to offer mortgage insurance nationwide. Founded in 2012 with the goal of restoring trust after the great financial crisis, National MI is now a prominent player in the mortgage insurance industry, offering valuable risk management solutions and significant insurance capacity to lenders and borrowers to support the needs of an ever-evolving housing industry.
Why National MI Hero Image
At National MI, we are guided by our mission, our values, and our purpose
Our Mission
Our Mission Image We are passionate about our work, proud of the support we provide and positive impact we have in the lives of so many. Over the past 10+ years, National MI has helped more than 1.7 million qualified low down-payment borrowers from diverse financial backgrounds achieve the dream of homeownership.

  • Help people gain access to housing and support them as they build value and community for themselves and their families
  • Provide borrowers with the assistance they need to access mortgage credit and, in doing so, help open the door to affordable and sustainable homeownership in communities across the country
Our Values
  • Anchor around partnership, service, integrity and excellence
  • Believe that as one team — acting together — we can accomplish anything
  • Unite a talented, dedicated and innovative group of employees who support each other and are committed to serving our lender customers with integrity and delivering for their borrowers
  • Seek to create an environment where our employees feel energized and valued, are rewarded for their important contributions, and recognized for their successes
Great Place To Work We have been recognized as a Great Place to Work® for the ninth consecutive year – a testament to the hard work and dedication of our talented and tenured team of industry experts. In fact, National MI was deemed a great place to work by 94% of employees in 2024.
Our values are exemplified not only through our commitment to invest in our communities and fulfill our philanthropic goals through corporate giving, volunteerism, and matching donations, but also through the ongoing work of our Embrace Committee to foster organizational inclusion.
Our Purpose
  • Serve our customers with distinction, security and success
  • Optimize the long-term benefit we provide to our stakeholders through the execution of safe, sound and ethical business practices
  • Put purpose into action through corporate sustainability
We have always focused on building our business in a sustainable manner, with discipline and risk-responsibility at the core. In doing so, we have established National MI as a leader in the U.S. mortgage insurance market and have positioned our company to serve stakeholders with consistency and distinction across all market cycles.
Leading With Impact
Our Purpose National MI leads with impact – helping a record number of borrowers in need and directly investing effort and resources to support communities across the country. We continue to raise the bar through technology advancement, customer service excellence, and robust industry-leading training and education through National MI University. Most importantly, we remain steadfast in our mission to help open the door to affordable and sustainable homeownership as exemplified through our innovative products and systems; and a focused, straightforward approach to mortgage insurance that inspires confidence in the loans that lenders place with us.
Capacity and Strength
National MI is a financially strong, investment-grade rated company with a low statutory risk to capital ratio, in full compliance with the Private Mortgage Insurer Eligibility Requirements.
National MI Certificate Distinction
Trusted Partnership
  • Straightforward and transparent Master Policy terms and conditions
  • Clearly written underwriting guidelines minimize misinterpretation
  • We make it easy to validate your loans and increase certainty of claim payment
National MI AXIS: Advanced Exchange & Information System
Advanced Online MI Platform
Transactional Ease of Use
Support and system visibility throughout the lifecycle of the MI Certificate
Backed by a progressive online system and a dedicated team of experts to support your business
Advanced Online MI Platform
Transactional Ease of Use
Support and system visibility throughout the lifecycle of the MI Certificate
Backed by a progressive online system and a dedicated team of experts to support your business
Ask your Sales Advisor about how you can start taking advantage of our special programs today.
Please refer to National MI’s Servicing Guide, Underwriting Guideline Manual, Rescission Relief Guide and Master Policy for a complete description of the policy and requirements.