-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 FrIv/9W0FbEOAVPFAJCTLyAP6Z9/M4QNqhZOl+lSHooAY39dksuxb+N1BaKPlxJa
 X1HPnbLm36Hu+gt1B+OJpQ==

<SEC-DOCUMENT>0001284018-04-000001.txt : 20040318
<SEC-HEADER>0001284018-04-000001.hdr.sgml : 20040318
<ACCEPTANCE-DATETIME>20040318164247
ACCESSION NUMBER:		0001284018-04-000001
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040201
FILED AS OF DATE:		20040318

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			STEEL DAVID K
		CENTRAL INDEX KEY:			0001284018

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13417
		FILM NUMBER:		04678160

	MAIL ADDRESS:	
		STREET 1:		HANOVER CAPITAL MORTGAGE HOLDINGS INC
		STREET 2:		379 THORNALL STREET
		CITY:			EDISON
		STATE:			NJ
		ZIP:			08837

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HANOVER CAPITAL MORTGAGE HOLDINGS INC
		CENTRAL INDEX KEY:			0001040719
		STANDARD INDUSTRIAL CLASSIFICATION:	REAL ESTATE INVESTMENT TRUSTS [6798]
		IRS NUMBER:				133950486
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		379 THORNALL STREET
		STREET 2:		2ND FLOOR
		CITY:			EDISON
		STATE:			NJ
		ZIP:			08837
		BUSINESS PHONE:		732-548-0101

	MAIL ADDRESS:	
		STREET 1:		379 THORNALL STREET
		STREET 2:		2ND FLOOR
		CITY:			EDISON
		STATE:			NJ
		ZIP:			08837
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-02-01</periodOfReport>

    <noSecuritiesOwned>1</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001040719</issuerCik>
        <issuerName>HANOVER CAPITAL MORTGAGE HOLDINGS INC</issuerName>
        <issuerTradingSymbol>hcm</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001284018</rptOwnerCik>
            <rptOwnerName>STEEL DAVID K</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>HANOVER CAPITAL MORTGAGE HOLDINGS INC</rptOwnerStreet1>
            <rptOwnerStreet2>379 THORNALL STREET</rptOwnerStreet2>
            <rptOwnerCity>EDISON</rptOwnerCity>
            <rptOwnerState>NJ</rptOwnerState>
            <rptOwnerZipCode>08837</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>1</isOther>
            <otherText>Managing Director</otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <remarks>David K. Steel joined Hanover Trade, Inc. in February 2004.  He currently holds no shares.</remarks>

    <ownerSignature>
        <signatureName>David K. Steel</signatureName>
        <signatureDate>2004-03-18</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----