NMI Holdings officer has 302 shares withheld

NMI Holdings’ SVP and Controller had shares withheld for taxes on RSU vesting, leaving 3,233 common shares and 4,610 unvested RSUs reported.

Rhea-AI Filing Summary

NMI Holdings, Inc. (NMIH) reported that officer Nicholas Daniel Realmuto, SVP and Controller, had 302 common shares withheld on September 13, 2026 to satisfy tax liability arising from the vesting of previously granted restricted stock units. No Rule 10b5-1 trading plan is reported for this transaction.

After this tax-withholding disposition, Realmuto’s reported holdings consist of 3,233 common shares and 4,610 unvested restricted stock units, all held directly.

Insider Trade Summary

Tax Withholding: 302 shares

Tax Withholding 1 txn

Insider Realmuto Nicholas Daniel

Role SVP, Controller

Type	Security	Shares	Price	Value
Tax Withholding	Common Shares, $0.01 par value per share F1, F2	302	$0.00	$0.00

Holdings After Transaction: Common Shares, $0.01 par value per share — 7,843 shares (Direct)

Footnotes (2)

1. F1. Represents shares withheld by NMIH to satisfy withholding taxes due in connection with the vesting of certain restricted stock units granted to the reporting person on September 13, 2023 at a net settlement price equal to the closing stock price on September 11, 2026.
2. F2. Represents 3,233 common shares and 4,610 unvested restricted stock units.

Key Figures

Shares withheld for taxes: 302 shares Common shares held after transaction: 3,233 shares Unvested restricted stock units: 4,610 RSUs +2 more

5 metrics

Shares withheld for taxes 302 shares Withheld on September 13, 2026 to satisfy tax liability on RSU vesting

Common shares held after transaction 3,233 shares Directly held by Nicholas Daniel Realmuto after the reported disposition

Unvested restricted stock units 4,610 RSUs Unvested restricted stock units reported as of the transaction date

Transaction date September 13, 2026 Date of share withholding for tax liability

Transaction type Payment of tax liability by delivering or withholding securities Code F non-derivative disposition

Key Terms

restricted stock units, withholding taxes, net settlement price, unvested restricted stock units

4 terms

restricted stock units financial

"vesting of certain restricted stock units granted to the reporting person"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

withholding taxes financial

"shares withheld by NMIH to satisfy withholding taxes due"

Withholding taxes are amounts a payer or government takes out of payments — such as wages, interest, or dividends — before the recipient gets the money, functioning like a cashier keeping part of a bill to pay taxes on your behalf. For investors this matters because it reduces the cash they actually receive, affects net returns and yield calculations, and may require additional paperwork or treaty claims to recover or offset the withheld amount against final tax bills.

net settlement price financial

"at a net settlement price equal to the closing stock price"

unvested restricted stock units financial

"Represents 3,233 common shares and 4,610 unvested restricted stock units"

FAQ

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

What insider transaction did NMIH disclose for Nicholas Daniel Realmuto?

NMI Holdings reported that Nicholas Daniel Realmuto had 302 common shares withheld on September 13, 2026 to pay withholding taxes due on vesting restricted stock units. This was reported as a disposition for tax liability, not as an open-market sale.

How many NMIH shares does Nicholas Daniel Realmuto hold after this Form 4?

After the reported transaction, Nicholas Daniel Realmuto holds 3,233 common shares of NMI Holdings directly and 4,610 unvested restricted stock units, according to the Form 4 footnote.

Was the NMIH insider transaction made under a Rule 10b5-1 plan?

No. The Form 4 indicates no Rule 10b5-1 trading plan is reported for this transaction by Nicholas Daniel Realmuto.

What was the purpose of the 302 NMIH shares disposed of by Realmuto?

The 302 common shares were withheld by NMI Holdings to satisfy withholding taxes due upon vesting of restricted stock units granted to Nicholas Daniel Realmuto on September 13, 2023.

Did Nicholas Daniel Realmuto sell NMIH shares in the open market?

No open-market sale is reported. The Form 4 describes a withholding of 302 shares to pay tax liability on RSU vesting, not a market sale transaction.

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

Form 4 Insider Transactions: What Each Field Means →

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Available on EDGAR 09/15/2026 - 08:20 PM Accepted by SEC EDGAR 09/15/2026 - 08:19 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^*

Realmuto Nicholas Daniel

(Last) (First) (Middle)

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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/13/2026

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
Common Shares, $0.01 par value per share	09/13/2026		F		302(1)	D	$0	7,843(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 shares withheld by NMIH to satisfy withholding taxes due in connection with the vesting of certain restricted stock units granted to the reporting person on September 13, 2023 at a net settlement price equal to the closing stock price on September 11, 2026.

2. Represents 3,233 common shares and 4,610 unvested restricted stock units.

Remarks:

	/s/ Augustin Joo, as Attorney-in-Fact	09/15/2026
	** 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)