EXHIBIT 32.2

          CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED
           PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

I, J. Holly Loux, Chief Financial Officer (principal financial officer) of
Hanover Capital Mortgage Holdings, Inc. (the "Registrant"), certify that, to the
best of my knowledge, based on a review of the Quarterly Report on Form 10-Q for
the period ended September 30, 2003 of the Registrant (the "Report"):

    (1) The Report fully complies with the requirements of Section 13(a) of the
        Securities Exchange Act of 1934, as amended; and

    (2) The information contained in the Report fairly presents, in all material
        respects, the financial condition and results of operations of the
        Registrant.

                                      HANOVER CAPITAL MORTGAGE HOLDINGS, INC.

                                      By:           /s/ J. Holly Loux
                                             ----------------------------------
Dated: November 14, 2003                             J. Holly Loux
                                                Chief Financial Officer