<TABLE>
<CAPTION>
<S> <C>
Oakwood Mortgage Investors, Inc. 1999-C Note: This fiscal year-end series report, reports information on the assets
Oakwood Acceptance Corp. - Servicer included in OMI Trust 1999-C as of the end of the prepayment period that
Fiscal Year Ended Series Report began on September 1, 1999 and ended on September 30, 2000 and as of the end
Reporting: Fiscal Year 2000 of the collection period that began on September 2, 1999 and ended on
October 1, 2000. Accordingly, the information presented with regard to the
certificates reflects information as of the close of business on October 15,
2000, which is the distribution date on which collections made and losses
incurred during such prepayment period and collection period were passed
through to certificateholders
Scheduled Principal Balance of Contracts
------------------------------------------------------------------------------------------------------------------------
Beginning Ending Scheduled
Principal Scheduled Prepaid Liquidated Contracts Principal Gross
Balance Principal Principal Principal Repurchased Balance Interest
------------------------------------------------------------------------------------------------------------------------------------
306,364,898.83 (4,067,442.78) (12,913,563.17) (11,575,208.05) 0.00 277,808,684.83 30,434,160.31
====================================================================================================================================
Scheduled Amount
Servicing Pass Thru Liquidation Reserve Available for Limited Total
Fee Interest Proceeds Fund Draw Distribution Guarantee Distribution
------------------------------------------------------------------------------------------------------------------------
2,949,191.45 27,484,968.86 7,667,064.93 0.00 55,082,231.19 119,645.52 55,201,876.71
========================================================================================================================
Certificate Account
-----------------------------------------------------------------------------------------------------------------------------------
Beginning Deposits Investment Ending
Balance Principal Interest Distributions Interest Balance
-----------------------------------------------------------------------------------------------------------------------------------
3,200,191.27 28,416,642.92 29,542,140.43 (59,146,516.68) 47,540.63 2,059,998.57
===================================================================================================================================
P&I Advances at Distribution Date
-------------------------------------------------------------------------------------
Beginning Recovered Current Ending
Balance Advances Advances Balance
-------------------------------------------------------------------------------------
1,461,352.38 (25,924,124.19) 27,199,594.33 2,736,822.52
=====================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
Oakwood Mortgage Investors, Inc. 1999-C
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
Gross Repossessions Repo Properties Brought Net Current Repos Aggregate Repo Properties
Current by Borrower in Trust at Month-End
# Principal Balance # Principal Balance # Principal Balance # Principal Balance
--------------------------------------------------------------------------------------------------------------
Oct-99 41 1,277,143.46 0 0.00 37 1,145,152.56 92 3,032,866.76
Nov-99 95 3,021,223.61 0 0.00 59 1,872,144.59 151 4,905,011.35
Dec-99 118 3,754,110.90 -1 (56,944.49) 34 1,136,366.54 184 5,984,433.40
Jan-00 142 4,525,995.76 0 0.00 48 1,548,205.37 232 7,532,638.77
Feb-00 153 4,929,348.82 -1 (68,179.89) 40 1,243,600.51 271 8,708,059.39
Mar-00 163 5,562,959.03 0 0.00 49 1,755,530.22 320 10,463,589.61
Apr-00 178 6,367,284.00 -1 (33,097.51) 46 1,833,547.02 365 12,264,039.12
May-00 193 7,034,645.36 -1 (33,645.78) 48 1,712,398.50 412 13,942,791.84
Jun-00 215 7,897,501.64 0 0.00 56 2,013,210.94 468 15,956,002.78
Jul-00 240 8,836,886.18 0 0.00 60 2,175,150.75 528 18,131,153.53
Aug-00 262 9,733,774.72 0 0.00 58 2,152,068.77 586 20,283,222.30
Sep-00 251 9,742,337.95 0 0.00 71 2,769,196.72 657 23,052,419.02
------------------------------------------------------------------------------
Total of month
end balance 2,051 72,683,211.43 -4 (191,867.67) 606 21,356,572.49 4,266 144,256,227.87
==============================================================================================================
Average month
end balance 171 6,056,934.29 0 (15,988.97) 51 1,779,714.37 356 12,021,352.32
==============================================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
Oakwood Mortgage Investors, Inc. 1999-C
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
Delinquency Analysis
31 to 59 days 60 to 89 days 90 days and Over Total Delinq.
No. of Principal Principal Principal Principal
Loans Balance # Balance # Balance # Balance
-------------------------------------------------------------------------------------------------------------
Oct-99 229 7,908,950.47 90 3,115,482.06 126 4,889,988.39 445 15,914,420.92
Nov-99 219 7,355,431.40 101 3,572,645.17 173 6,411,164.21 493 17,339,240.78
Dec-99 209 7,265,927.81 94 3,108,277.33 229 8,271,869.50 532 18,646,074.64
Jan-00 190 6,734,050.67 71 2,410,805.62 270 9,760,937.46 531 18,905,793.75
Feb-00 122 4,586,159.61 69 2,648,298.98 269 9,772,457.14 460 17,006,915.73
Mar-00 109 3,841,479.27 56 2,335,751.75 266 10,056,619.76 431 16,233,850.78
Apr-00 179 5,794,677.78 61 2,472,957.55 261 10,302,106.87 501 18,569,742.20
May-00 167 5,694,281.28 80 2,670,127.74 279 11,337,134.71 526 19,701,543.73
Jun-00 180 6,398,353.93 100 3,627,551.76 302 11,803,648.90 582 21,829,554.59
Jul-00 227 8,453,966.46 93 3,476,626.68 352 13,672,218.67 672 25,602,811.81
Aug-00 195 7,427,064.13 79 3,154,570.26 375 14,668,317.23 649 25,249,951.62
Sep-00 196 6,682,293.56 83 3,228,165.01 353 14,307,984.71 632 24,218,443.28
---------------------------------------------------------------------------------
Total of month
end balance 2,222 78,142,636.37 977 35,821,259.91 3,255 125,254,447.55 6,454 239,218,343.83
=============================================================================================================
Average month
end balance 185 6,511,886.36 81 2,985,104.99 271 10,437,870.63 538 19,934,861.99
=============================================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
Oakwood Mortgage Investors, Inc. 1999-C
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
REPOSSESSION LIQUIDATION REPORT
See Monthly Investor Report for Detail
Liquidated Net
Prepayment Principal Sales Insur. Total Repossession Liquidation Unrecov.
Period Balance Proceeds Refunds Proceeds Expenses Proceeds Advances
------------------------------------------------------------------------------------------------------------------------------------
Oct-99 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Nov-99 126,866.93 116,800.00 5,547.54 122,347.54 33,464.00 88,883.54 8,099.28
Dec-99 343,744.22 334,650.00 8,404.41 343,054.41 73,679.50 269,374.91 24,855.71
Jan-00 769,339.50 751,040.00 29,909.47 780,949.47 167,881.20 613,068.27 59,354.79
Feb-00 798,997.31 734,004.35 33,295.38 767,299.73 159,198.13 608,101.60 75,092.48
Mar-00 1,132,057.00 1,040,661.35 39,143.75 1,079,805.10 223,103.00 856,702.10 106,548.27
Apr-00 985,514.23 930,690.00 43,605.54 974,295.54 205,441.05 768,854.49 93,665.51
May-00 995,577.87 931,150.00 23,022.37 954,172.37 211,557.50 742,614.87 110,924.41
Jun-00 1,136,307.01 1,106,528.00 20,576.56 1,127,104.56 253,762.60 873,341.96 116,312.66
Jul-00 1,311,017.54 1,188,595.18 24,975.67 1,213,570.85 239,803.82 973,767.03 142,325.56
Aug-00 1,239,058.65 1,147,911.07 25,430.72 1,173,341.79 258,605.55 914,736.24 127,426.22
Sep-00 2,736,727.79 2,688,030.07 63,125.87 2,751,155.94 618,909.75 2,132,246.19 310,021.38
-------------------------------------------------------------------------------------------------------------------------
Total 11,575,208.05 10,970,060.02 317,037.28 11,287,097.30 2,445,406.10 8,841,691.20 1,174,626.27
=========================================================================================================================
Net Current
Prepayment FHA Insurance Pass Thru Period Net Cumulative
Period Coverage Proceeds Gain/(Loss) Gain/(Loss)
-----------------------------------------------------------------------------
Oct-99 0.00 0.00 0.00
Nov-99 0.00 80,784.26 (46,082.67)
Dec-99 0.00 244,519.20 (99,225.02)
Jan-00 0.00 553,713.48 (215,626.02)
Feb-00 0.00 533,009.12 (265,988.19)
Mar-00 0.00 750,153.83 (381,903.17)
Apr-00 0.00 675,188.98 (310,325.25)
May-00 0.00 631,690.46 (363,887.41)
Jun-00 0.00 757,029.30 (379,277.71)
Jul-00 0.00 831,441.47 (479,576.07)
Aug-00 0.00 787,310.02 (451,748.63)
Sep-00 0.00 1,822,224.81 (914,502.98)
--------------------------------------------------------------------
Total 0.00 7,667,064.93 (3,908,143.12) (3,908,143.12)
====================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
Oakwood Mortgage Investors, Inc. 1999-C
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
CERTIFICATE PRINCIPAL ANALYSIS
PRINCIPAL
Original Beginning Beginning Principal Current Accelerated
Cert. Certificate Certificate Shortfall Carry- Principal Principal
Class Balances Balances Over Distribution Distribution
----------------------------------------------------------------------------------------------------------------------------------
A-1 72,200,000.00 58,470,982.83 0.00 28,354,022.27 0.00
A-1 Outstanding Writedown 0.00
A-2 174,270,000.00 174,270,000.00 0.00 0.00 0.00
A-2 Outstanding Writedown 0.00
M-1 20,808,000.00 20,808,000.00 0.00 0.00 0.00
M-1 Outstanding Writedown 0.00
M-2 16,004,000.00 16,004,000.00 0.00 0.00 0.00
M-2 Outstanding Writedown 0.00
B-1 16,004,000.00 16,004,000.00 0.00 0.00 0.00
B-1 Outstanding Writedown 0.00
B-2 20,807,916.00 20,807,916.00 0.00 0.00 0.00
B-2 Outstanding Writedown 0.00
Excess Asset Principal Balance 0.00 0.00 0.00 0.00 0.00
--------------------------------------------------------------------------------
306,364,898.83 0.00 28,354,022.27 0.00
================================================================================
Ending Principal Ending Principal Paid
Cert. Shortfall Carry- Writedown Certificate Pool Per $1,000
Class Over Amounts Balances Factor Denomination
------------------------------------------------------------------------------------------------------------------------------
A-1 202,191.73 0.00 30,116,960.56 41.71324% 392.714990
A-1 Outstanding Writedown 0.00 0.00 0.00 0.00
A-2 0.00 0.00 174,270,000.00 100.00000% 0.00
A-2 Outstanding Writedown 0.00 0.00 0.00 0.00
M-1 0.00 0.00 20,808,000.00 100.00000% 0.00
M-1 Outstanding Writedown 0.00 0.00 0.00 0.00
M-2 0.00 0.00 16,004,000.00 100.00000% 0.00
M-2 Outstanding Writedown 0.00 0.00 0.00 0.00
B-1 0.00 0.00 16,004,000.00 100.00000% 0.00
B-1 Outstanding Writedown 0.00 0.00 0.00 0.00
B-2 0.00 0.00 20,605,724.27 99.02829% 0.00
B-2 Outstanding Writedown 202,191.73 202,191.73 0.00 0.00
Excess Asset Principal Balance 0.00 0.00 0.00
----------------------------------------------------
202,191.73 202,191.73 277,808,684.83
====================================================
(1) This represents the amount of losses on the assets that were allocated to reduce the outstanding principal balance of the
certificates in accordance with the applicable pooling and servicing agreement.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
Oakwood Mortgage Investors, Inc. 1999-C
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
CERTIFICATE INTEREST ANALYSIS
Beginning Carry- Current Priority Ending
Certificate Remittance Over Priority Interest Total Interest Carryover
Class Rate Interest Balance Accrual Paid Shortfall Balance
-----------------------------------------------------------------------------------------------------
A-1 VARIED RATE 0.00 3,009,350.94 3,009,350.94 0.00 0.00
A-1 Carryover Interest 0.00 0.00 0.00 0.00 0.00
A-1 Writedown Interest 0.00 0.00 0.00 0.00 0.00
A-2 7.47500% 0.00 13,026,682.56 13,026,682.56 0.00 0.00
A-2 Carryover Interest 0.00 0.00 0.00 0.00 0.00
A-2 Writedown Interest 0.00 0.00 0.00 0.00 0.00
M-1 8.07000% 0.00 1,679,205.60 1,679,205.60 0.00 0.00
M-1 Carryover Interest 0.00 0.00 0.00 0.00 0.00
M-1 Writedown Interest 0.00 0.00 0.00 0.00 0.00
M-2 8.75000% 0.00 1,400,349.96 1,400,349.96 0.00 0.00
M-2 Carryover Interest 0.00 0.00 0.00 0.00 0.00
M-2 Writedown Interest 0.00 0.00 0.00 0.00 0.00
B-1 6.90000% 0.00 1,104,276.00 1,104,276.00 0.00 0.00
B-1 Carryover Interest 0.00 0.00 0.00 0.00 0.00
B-1 Writedown Interest 0.00 0.00 0.00 0.00 0.00
B-2 6.90000% 0.00 1,435,746.24 1,435,746.24 0.00 0.00
B-2 Carryover Interest 0.00 0.00 0.00 0.00 0.00
B-2 Writedown Interest 0.00 0.00 0.00 0.00 0.00
X 0.00 5,829,357.56 2,360,383.59 0.00 3,468,973.97
R 0.00 0.00 0.00 0.00 0.00
Service Fee 0.00 2,949,191.45 2,831,859.55 (1) 0.00 117,331.90
--------------------------------------------------------------------------------------
0.00 30,434,160.31 26,847,854.44 0.00 3,586,305.87
======================================================================================
Interest Paid
Certificate Per $1,000 Cert. TOTAL
Class Denomination Class DISTRIBUTION
----------------------------------------
A-1 51.47 A-1 31,363,373.21
A-1 Carryover Interest 0.00
A-1 Writedown Interest 0.00
A-2 74.75 A-2 13,026,682.56
A-2 Carryover Interest 0.00
A-2 Writedown Interest 0.00
M-1 80.70 M-1 1,679,205.60
M-1 Carryover Interest 0.00
M-1 Writedown Interest 0.00
M-2 87.50 M-2 1,400,349.96
M-2 Carryover Interest 0.00
M-2 Writedown Interest 0.00
B-1 69.00 B-1 1,104,276.00
B-1 Carryover Interest 0.00
B-1 Writedown Interest 0.00
B-2 69.00 B-2 1,435,746.24
B-2 Carryover Interest 0.00
B-2 Writedown Interest 0.00
X X 2,360,383.59
R R 0.00
Service Fee 2,831,859.55
----------------
55,201,876.71(1)
================
(1) Pursuant to the applicable pooling and servicing agreement, $2,831,859.55 of the amounts available for distribution on
distribution dates during the fiscal year were used to pay servicing fees due the servicer. Consequently, the total amount
distributed on the certificates during the fiscal year was $52,370,017.16.
</TABLE>
