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  <xsd:element name="FinancingReceivableTerm" id="hovb_FinancingReceivableTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableExtensionRepaymentPeriod" id="hovb_FinancingReceivableExtensionRepaymentPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ForbearancePeriodOfMonthlyPayments" id="hovb_ForbearancePeriodOfMonthlyPayments" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AdditionalForbearancePeriodOfMonthlyPayments" id="hovb_AdditionalForbearancePeriodOfMonthlyPayments" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" id="hovb_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsAmountOfLoans" id="hovb_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsAmountOfLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfLoansInForbearance" id="hovb_NumberOfLoansInForbearance" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="AmountOfLoansInForbearance" id="hovb_AmountOfLoansInForbearance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="Covid19Member" id="hovb_Covid19Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableTroubledDebtRestructuringNewNumberOfContracts" id="hovb_FinancingReceivableTroubledDebtRestructuringNewNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DeferredFinanceCostsInterestExpense" id="hovb_DeferredFinanceCostsInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OptionToPurchasePeriod" id="hovb_OptionToPurchasePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
