<TABLE>
<CAPTION>
Oakwood Mortgage Investors, Inc. 1999-D Note: This fiscal year-end series report, reports information on the assets
Oakwood Acceptance Corp. - Servicer included in OMI Trust 1999-D as of the end of the prepayment period that began on
Fiscal Year Ended Series Report September 1, 1999 and ended on September 30, 2000 and as of the end of the
Reporting: Fiscal Year 2000 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
Principal Scheduled Prepaid Liquidated Contracts Principal
Balance Principal Principal Principal Repurchased Balance
---------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
291,773,702.74 (3,655,720.91) (15,895,738.19) (7,038,746.50) 0.00 265,183,497.14
=====================================================================================================================
<CAPTION>
Certificate Account
------------------------------------------------------------------------------------------------------------------------------------
Beginning Deposits Investment Ending
Balance Principal Interest Distributions Interest Balance
------------------------------------------------------------------------------------------------------------------------------------
5,601,754.70 26,413,714.24 26,054,039.04 (54,932,058.95) 69,986.03 3,207,435.06
====================================================================================================================================
<CAPTION>
Scheduled Scheduled Amount
Gross Servicing Pass Thru Liquidation Reserve Available for Limited Total
Interest Fee Interest Proceeds Fund Draw Distribution Guarantee Distribution
------------------------------------------------------------------------------------------------------------------------------
26,969,967.08 2,792,906.81 24,177,060.27 4,775,064.91 0.00 51,296,491.09 0.00 51,296,491.09
==============================================================================================================================
P&I Advances at Distribution Date
----------------------------------------------------------------------------------
Beginning Recovered Current Ending
Balance Advances Advances Balance
----------------------------------------------------------------------------------
622,042.33 (15,162,158.86) 16,722,270.86 2,182,154.33
==================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
Oakwood Mortgage Investors, Inc. 1999-D
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
Repo Properties Brought Current Aggregate Repo Properties in
Gross Repossessions by Borrower Net Current Repos Trust at Month-End
# Principal Balance # Principal Balance # Principal Balance # Principal Balance
--------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Oct-99 6 166,379.00 0 0.00 5 150,717.69 6 166,379.00
Nov-99 12 358,514.19 0 0.00 5 159,338.12 11 325,717.12
Dec-99 35 1,191,002.37 0 0.00 23 832,603.28 35 1,191,299.47
Jan-00 58 2,133,844.17 0 0.00 28 1,072,556.81 63 2,263,674.28
Feb-00 75 2,712,696.01 0 0.00 26 890,049.48 89 3,153,723.76
Mar-00 91 3,394,633.89 0 0.00 34 1,264,150.97 123 4,417,874.73
Apr-00 109 4,238,565.93 0 0.00 40 1,552,625.76 163 5,970,500.49
May-00 124 4,908,412.08 0 0.00 29 1,183,260.67 192 7,153,761.16
Jun-00 146 5,889,067.94 0 0.00 44 1,750,380.93 236 8,904,142.09
Jul-00 169 6,874,421.24 -1 (29,114.63) 40 1,551,740.44 275 10,426,767.90
Aug-00 193 7,845,849.26 -1 (32,617.49) 47 1,814,812.01 321 12,208,962.42
Sep-00 177 7,239,318.17 0 0.00 51 2,032,286.00 372 14,241,248.42
--------------------------------------------------------------------------------------
Total of month
end balance 1,195 46,952,704.25 -2 (61,732.12) 372 14,241,248.42 1,886 70,424,050.84
====================================================================================================================
Average month
end balance 100 3,912,725.35 0 (5,144.34) 31 1,186,770.70 157 5,868,670.90
====================================================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
Oakwood Mortgage Investors, Inc. 1999-D
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
----------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Oct-99 190 7,973,755.02 41 1,736,897.30 8 260,316.69 239 9,970,969.01
Nov-99 157 5,907,035.42 69 3,087,187.09 36 1,260,930.37 262 10,255,152.88
Dec-99 152 5,591,900.14 68 2,739,381.29 81 3,100,905.91 301 11,432,187.34
Jan-00 135 4,683,818.34 70 2,908,569.71 116 4,512,159.89 321 12,104,547.94
Feb-00 98 4,227,245.71 42 1,657,770.32 143 5,724,663.30 283 11,609,679.33
Mar-00 96 3,824,294.95 47 2,141,923.25 157 6,421,942.39 300 12,388,160.59
Apr-00 118 4,077,621.75 53 2,200,955.99 171 7,332,768.17 342 13,611,345.91
May-00 113 4,337,502.05 55 2,001,929.12 195 8,542,156.26 363 14,881,587.43
Jun-00 132 4,901,211.40 62 2,477,372.49 214 9,250,337.78 408 16,628,921.67
Jul-00 147 5,634,863.49 73 2,952,907.63 246 10,622,572.12 466 19,210,343.24
Aug-00 137 5,278,682.14 73 2,624,167.03 274 11,845,309.21 484 19,748,158.38
Sep-00 138 5,293,922.44 69 2,494,799.06 266 11,362,288.90 473 19,151,010.40
Total of month
end balance 1,613 61,731,852.85 722 29,023,860.28 1,907 80,236,350.99 4,242 170,992,064.12
==========================================================================================================
Average month
end balance 134 5,144,321.07 60 2,418,655.02 159 6,686,362.58 354 14,249,338.68
==========================================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
Oakwood Mortgage Investors, Inc. 1999-D
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
-----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C>
Oct-99 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Nov-99 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dec-99 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Jan-00 127,676.25 125,400.00 4,543.68 129,943.68 30,537.00 99,406.68 9,637.55
Feb-00 307,849.51 293,535.00 9,451.89 302,986.89 58,330.00 244,656.89 23,786.97
Mar-00 576,129.03 542,750.00 24,865.88 567,615.88 109,270.50 458,345.38 49,890.44
Apr-00 700,505.00 627,515.00 27,294.40 654,809.40 128,539.40 526,270.00 62,876.49
May-00 517,269.02 441,140.00 21,975.92 463,115.92 93,496.20 369,619.72 41,847.57
Jun-00 762,617.73 703,337.24 22,699.57 726,036.81 161,817.16 564,219.65 64,350.64
Jul-00 531,868.93 515,950.00 17,708.90 533,658.90 116,608.50 417,050.40 49,154.56
Aug-00 859,717.15 747,710.14 91,431.31 839,141.45 155,878.69 683,262.76 88,790.76
Sep-00 2,655,113.88 2,466,739.91 112,279.90 2,579,019.81 526,992.19 2,052,027.62 249,459.21
-------------------------------------------------------------------------------------------------------------------
Total 7,038,746.50 6,464,077.29 332,251.45 6,796,328.74 1,381,469.64 5,414,859.10 639,794.19
===================================================================================================================
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 0.00 0.00
Dec-99 0.00 0.00 0.00
Jan-00 0.00 89,769.13 (37,907.12)
Feb-00 0.00 220,869.92 (86,979.59)
Mar-00 0.00 408,454.94 (167,674.09)
Apr-00 0.00 463,393.51 (237,111.49)
May-00 0.00 327,772.15 (189,496.87)
Jun-00 0.00 499,869.01 (262,748.72)
Jul-00 0.00 367,895.84 (163,973.09)
Aug-00 0.00 594,472.00 (265,245.15)
Sep-00 0.00 1,802,568.41 (852,545.47)
----------------------------------------------------------------
Total 0.00 4,775,064.91 (2,263,681.59) (2,263,681.59)
================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
Oakwood Mortgage Investors, Inc. 1999-D
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
CERTIFICATE PRINCIPAL ANALYSIS
PRINCIPAL
Original Beginning Beginning Current Accelerated
Cert. Certificate Certificate Principal Shortfall Principal Principal
Class Balances Balances Carry-Over Distribution Distribution
----------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
A-1 226,687,000.00 215,739,726.51 0.00 26,307,374.23 1,328,621.37
A-1 Outstanding Writedown 0.00
M-1 22,669,000.00 22,669,000.00 0.00 0.00 0.00
M-1 Outstanding Writedown 0.00
M-2 13,601,000.00 13,601,000.00 0.00 0.00 0.00
M-2 Outstanding Writedown 0.00
B-1 16,624,000.00 16,624,000.00 0.00 0.00 0.00
B-1 Outstanding Writedown 0.00
B-2 16,624,000.00 16,624,000.00 0.00 0.00 0.00
B-2 Outstanding Writedown 0.00
Excess Asset Principal Balance 6,045,407.75 6,515,976.23 0.00 0.00 (1,328,621.37)
----------------------------------------------------------------------------
291,773,702.74 0.00 26,307,374.23 0.00
============================================================================
Ending Principal Ending Principal Paid
Cert. Shortfall Carry- Writedown Certificate Pool Per $1,000
Class Over Amounts Balances Factor Denomination
--------------------------------------------------------------------------------------------------------------
A-1 27,635,995.60 0.00 188,103,730.91 82.97950% 116.05
A-1 Outstanding Writedown 0.00 0.00 0.00 0.00
M-1 0.00 0.00 22,669,000.00 100.00000% 0.00
M-1 Outstanding Writedown 0.00 0.00 0.00 0.00
M-2 0.00 0.00 13,601,000.00 100.00000% 0.00
M-2 Outstanding Writedown 0.00 0.00 0.00 0.00
B-1 0.00 0.00 16,624,000.00 100.00000% 0.00
B-1 Outstanding Writedown 0.00 0.00 0.00 0.00
B-2 0.00 0.00 16,624,000.00 100.00000% 0.00
B-2 Outstanding Writedown 0.00 0.00 0.00 0.00
Excess Asset Principal Balance 0.00 (282,831.37) 7,561,766.23
----------------------------------------------------------------
27,635,995.60 (282,831.37) 265,183,497.14
================================================================
(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>
Oakwood Mortgage Investors, Inc. 1999-D
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
CERTIFICATE INTEREST ANALYSIS
Beginning Carry- Current Priority
Certificate Pass-Through Over Priority Interest Total Interest
Class Rate Interest Balance Accrual Paid Shortfall
-----------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
A-1 7.84000% 0.00 15,867,734.51 15,867,734.51 0.00
A-1 Carryover Interest 0.00 0.00 0.00 0.00
A-1 Writedown Interest 0.00 0.00 0.00 0.00
M-1 8.00000% 0.00 1,813,520.04 1,813,520.04 0.00
M-1 Carryover Interest 0.00 0.00 0.00 0.00
M-1 Writedown Interest 0.00 0.00 0.00 0.00
M-2 9.19000% 0.00 1,177,959.94 1,177,959.94 71,971.94
M-2 Carryover Interest 0.00 0.00 0.00 0.00
M-2 Writedown Interest 0.00 0.00 0.00 0.00
B-1 7.00000% 0.00 1,163,679.96 1,163,679.96 0.00
B-1 Carryover Interest 0.00 0.00 0.00 0.00
B-1 Writedown Interest 0.00 0.00 0.00 0.00
B-2 6.00000% 0.00 997,440.00 997,440.00 0.00
B-2 Carryover Interest 0.00 0.00 0.00 0.00
B-2 Writedown Interest 0.00 0.00 0.00 0.00
X 470,568.48 3,084,753.88 0.00 0.00
R 0.00 0.00 0.00 0.00
Service Fee 1.00000% 0.00 2,792,906.81 2,568,189.10 (1) 0.00
-----------------------------------------------------------------------------
470,568.48 26,897,995.14 23,588,523.55 71,971.94
=============================================================================
Ending Carry- Interest Paid
Certificate Over Per $1,000 Cert. TOTAL
Class Balance Denomination Class DISTRIBUTION
------------------------------------------------------------------
A-1 0.00 73.55036 A-1 43,503,730.11
A-1 Carryover Interest 0.00 0.00
A-1 Writedown Interest 0.00 0.00
M-1 0.00 80.00000 M-1 1,813,520.04
M-1 Carryover Interest 0.00 0.00
M-1 Writedown Interest 0.00 0.00
M-2 0.00 86.60833 M-2 1,249,931.88
M-2 Carryover Interest 0.00 0.00
M-2 Writedown Interest 0.00 0.00
B-1 0.00 70.00000 B-1 1,163,679.96
B-1 Carryover Interest 0.00 0.00
B-1 Writedown Interest 0.00 0.00
B-2 0.00 60.00000 B-2 997,440.00
B-2 Carryover Interest 0.00 0.00
B-2 Writedown Interest 0.00 0.00
X 3,555,322.36 X 0.00
R 0.00 R 0.00
Service Fee 224,717.71 2,568,189.10
--------------- ----------------
3,780,040.07 51,296,491.09 (1)
=============== ================
(1) Pursuant to the applicable pooling and servicing agreement, $2,568,189.10 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 $48,728,301.99.
</TABLE>
