NMI Holdings director granted 4,512 RSUs

McCreary Lynn S. reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

McCreary Lynn S. reported acquisition or exercise transactions in this Form 4 filing.

NMI Holdings director Lynn S. McCreary received a grant of 4,512 restricted stock units (RSUs). These awards were granted under the NMIH Amended and Restated 2014 Omnibus Incentive Plan and will vest on the first anniversary of the grant date, reflecting standard equity compensation rather than an open-market trade.

After this grant, McCreary directly holds 48,757 equity-related instruments, consisting of 44,245 common shares and 4,512 unvested RSUs, aligning her compensation further with shareholder outcomes.

Insider Trade Summary

Grant/Award: 4,512 shares

Grant/Award 1 txn

Insider McCreary Lynn S.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Unit (right to receive)	4,512	$0.00	$0.00

Holdings After Transaction: Restricted Stock Unit (right to receive) — 48,757 shares (Direct)

Footnotes (2)

1. F1. Represents restricted stock units granted pursuant to the NMIH Amended and Restated 2014 Omnibus Incentive Plan. The restricted stock units vest on the first anniversary of the grant date.
2. F2. Represents 44,245 common shares and 4,512 unvested restricted stock units.

Key Figures

RSUs granted: 4,512 units Total holdings after grant: 48,757 shares/units Common shares held: 44,245 shares +2 more

5 metrics

RSUs granted 4,512 units Restricted stock units granted to director on grant date

Total holdings after grant 48,757 shares/units Equity-related interests following the RSU award

Common shares held 44,245 shares Common shares directly held after the RSU grant

Unvested RSUs 4,512 units Unvested restricted stock units that vest after one year

Transaction price per RSU $0.00 per unit Equity compensation grant with no cash paid by director

Key Terms

Restricted Stock Unit, Amended and Restated 2014 Omnibus Incentive Plan, vest, unvested restricted stock units

4 terms

Restricted Stock Unit financial

"Represents restricted stock units granted pursuant to the NMIH Amended and Restated 2014 Omnibus Incentive Plan."

A restricted stock unit is a promise from a company to give an employee shares of stock after certain conditions are met, like staying with the company for a set amount of time. It’s like earning a bonus that turns into company stock once you’ve proven your commitment, making it a way to motivate and reward employees.

Amended and Restated 2014 Omnibus Incentive Plan financial

"Represents restricted stock units granted pursuant to the NMIH Amended and Restated 2014 Omnibus Incentive Plan."

vest financial

"The restricted stock units vest on the first anniversary of the grant date."

A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.

unvested restricted stock units financial

"Represents 44,245 common shares and 4,512 unvested restricted stock units."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did NMI Holdings (NMIH) director Lynn S. McCreary report in this Form 4?

Lynn S. McCreary reported receiving 4,512 restricted stock units as equity compensation. The award was made under NMI Holdings’ Amended and Restated 2014 Omnibus Incentive Plan and did not involve any open-market share purchases or sales by the director.

How many restricted stock units did Lynn S. McCreary receive from NMI Holdings (NMIH)?

She received 4,512 restricted stock units from NMI Holdings. These units represent a right to receive common shares in the future, subject to vesting conditions, and were granted at a price of $0.00 per unit as part of her director compensation package.

When do Lynn S. McCreary’s new NMI Holdings (NMIH) RSUs vest?

The 4,512 restricted stock units vest on the first anniversary of the grant date. This one-year vesting schedule means McCreary must remain eligible through that date before the RSUs convert into NMI Holdings common shares that she can own outright.

What are Lynn S. McCreary’s total NMI Holdings (NMIH) holdings after this RSU grant?

Following the grant, McCreary holds 48,757 equity-related interests in NMI Holdings. This total includes 44,245 common shares plus 4,512 unvested restricted stock units, reflecting both her existing ownership stake and the new time-based equity compensation award.

Was there any open-market buying or selling of NMI Holdings (NMIH) shares in this Form 4?

No open-market transactions occurred in this Form 4. The filing discloses only a grant of 4,512 restricted stock units as compensation, with a transaction price of $0.00 per unit, and no reported purchases or sales of existing NMI Holdings common shares.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/18/2026 - 07:40 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McCreary Lynn S.

(Last) (First) (Middle)

C/O NMI HOLDINGS, INC.

2100 POWELL ST., 12TH FLOOR

(Street)

EMERYVILLE CALIFORNIA 94608

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
NMI Holdings, Inc. [ NMIH ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/14/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Restricted Stock Unit (right to receive)	05/14/2026		A		4,512(1)	A	$0	48,757(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents restricted stock units granted pursuant to the NMIH Amended and Restated 2014 Omnibus Incentive Plan. The restricted stock units vest on the first anniversary of the grant date.

2. Represents 44,245 common shares and 4,512 unvested restricted stock units.

Remarks:

	/s/ Augustin Joo, as Attorney-in-Fact	05/18/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)