<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC 2000-B Note: This fiscal year-end series report, reports information on the assets included in
Oakwood Acceptance Corp. - Servicer OMI Trust 2000-B as of the end of the prepayment period that began on August 1, 2000 and
Fiscal Year Ended Series Report ended on September 30, 2000 and as of the end of the collection period that began on
Reporting: Fiscal Year 2000 August 2, 2000 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 Servicing
Balance Principal Principal Principal Repurchased Balance Interest Fee
--------------------------------------------------------------------------------------------------------------------------------
360,000,000.00 (1,504,777.67) (15,387,739.69) (82,591.62) 0.00 343,024,891.02 12,509,091.20 962,294.36
================================================================================================================================
Scheduled Amount
Pass Thru Liquidation Reserve Available for Limited Total
Interest Proceeds Fund Draw Distribution Guarantee Distribution
-------------------------------------------------------------------------------------------
11,546,796.84 76,130.46 0.00 29,477,739.02 0.00 29,477,739.02
===========================================================================================
Certificate Account
-----------------------------------------------------------------------------------------------------------------------------------
Beginning Deposits Investment Ending
Balance Principal Interest Distributions Interest Balance
-----------------------------------------------------------------------------------------------------------------------------------
0.00 13,850,806.54 11549183.3 (22,519,407.20) 44,747.71 2,925,330.35
===================================================================================================================================
P&I Advances at Distribution Date
----------------------------------------------------------------------------------
Beginning Recovered Current Ending
Balance Advances Advances Balance
----------------------------------------------------------------------------------
0.00 (1,720,769.72) 3,360,872.46 1,640,102.74
==================================================================================
</TABLE>
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<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC 2000-B
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
Repo Properties Brought Aggregate Repo Properties
Gross Repossessions Current by Borrower Net Current Repos in Trust at Month-End
# Principal Balance # Principal Balance # Principal Balance # Principal Balance
---------------------------------------------------------------------------------------------------------------
Jun-00 1 55,352.47 0 0.00 1 55,352.47 1 55,352.47
Jul-00 8 274,511.81 0 0.00 7 219,159.34 8 274,511.81
Aug-00 22 742,693.83 0 0.00 14 468,182.02 22 742,693.83
Sep-00 56 1,892,248.57 0 0.00 34 1,150,048.43 56 1,892,742.26
------------------------------------------------------------------------------------------------------------------
Total of month
end balance 87 2,964,806.68 0 0.00 56 1,892,742.26 87 2,965,300.37
==================================================================================================================
Average month
end balance 22 741202.00 0 0 14 473186.00 22 741325.00
==================================================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC 2000-B
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
------------------------------------------------------------------------------------------------------------
Jun-00 65 2,331,363.08 1 58,731.32 0 0.00 66 2,390,094.40
Jul-00 117 4,357,198.75 32 989,403.37 1 58,731.32 150 5,405,333.44
Aug-00 142 5,520,248.94 67 2,501,489.65 24 747,400.32 233 8,769,138.91
Sep-00 234 8,363,209.02 88 3,380,891.98 70 2,475,241.01 392 14,219,342.01
------------------------------------------------------------------------------------------------------------
Total of month
end balance 558 20,572,019.79 188 6,930,516.32 95 3,281,372.65 841 30,783,908.76
============================================================================================================
Average month
end balance 140 5,143,004.95 47 1,732,629.08 24 820,343.16 210 7,695,977.19
============================================================================================================
</TABLE>
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<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC 2000-B
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
REPOSSESSION LIQUIDATION REPORT
See Monthly Investor Report for Detail
Liquidated Net Net
Prepayment Principal Sales Insur. Total Repossession Liquidation Unrecov. FHA Insurance Pass Thru
Period Balance Proceeds Refunds Proceeds Expenses Proceeds Advances Coverage Proceeds
------------------------------------------------------------------------------------------------------------------------------------
Jun-00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Jul-00 21,968.90 22,090.89 0.00 22,090.89 0.00 22,090.89 769.82 0.00 21,321.07
Aug-00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sep-00 60,622.72 0.00 65,578.00 65,578.00 0.00 65,578.00 10,768.61 0.00 54,809.39
-----------------------------------------------------------------------------------------------------------------------
Total 82,591.62 22,090.89 65,578.00 87,668.89 0.00 87,668.89 11,538.43 0.00 76,130.46
=======================================================================================================================
Current
Prepayment Period Net Cumulative
Period Gain/(Loss) Gain/(Loss)
---------------------------------------
Jun-00 0.00
Jul-00 (647.83)
Aug-00 0.00
Sep-00 (5,813.33)
--------------------------
Total (6,461.16) (6,461.16)
==========================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC 2000-B
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
CERTIFICATE PRINCIPAL ANALYSIS
PRINCIPAL
Original Beginning Beginning Current Current
Cert. Certificate Certificate Principal Shortfall Principal Principal
Class Balances Balances Carry-Over Due Paid
----------------------------------------------------------------------------------------------------------------------------
A-1 290,700,000.00 290,700,000.00 0.00 16,975,108.98 16,975,108.98
--------------------------------------------------------------------------------------
Total Certificate Principal Balance 290,700,000.00 290,700,000.00 0.00 16,975,108.98 16,975,108.98
======================================================================================
M-1 21,600,000.00 21,600,000.00 0.00 0.00
M-1 Outstanding Writedown 0.00
B-1 18,900,000.00 18,900,000.00 0.00 0.00
B-1 Outstanding Writedown 0.00
B-2 16,200,000.00 16,200,000.00 0.00 0.00
B-2 Outstanding Writedown 0.00
Excess Asset Principal Balance 12,600,000.00 12,600,000.00 0.00 0.00
--------------------------------------------------------------------------------------
Total Excluding Writedown Balances 69,300,000.00 69,300,000.00 0.00 0.00 0.00
======================================================================================
360,000,000.00 360,000,000.00 0.00 16,975,108.98 16,975,108.98
======================================================================================
Ending Principal Accelerated Ending Principal Paid
Cert. Shortfall Carry- Principal Certificate Pool Per $1,000
Class Over Distribution Balances Factor Denomination
------------------------------------------------------------------------------------------------------------------------
A-1 0.00 2,036,652.72 271,688,238.30 93.46001% 65.40
----------------------------------------------------
Total Certificate Principal Balance 0.00 2,036,652.72 271,688,238.30
====================================================
M-1 0.00 0.00 21,600,000.00 100.00000% 0.00
M-1 Outstanding Writedown 0.00 0.00
B-1 0.00 0.00 18,900,000.00 100.00000% 0.00
B-1 Outstanding Writedown 0.00 0.00
B-2 0.00 0.00 16,200,000.00 100.00000% 0.00
B-2 Outstanding Writedown 0.00 0.00
Excess Asset Principal Balance 0.00 (2,036,652.72) 14,636,652.72
----------------------------------------------------
Total Excluding Writedown Balances 0.00 (2,036,652.72) 71,336,652.72
====================================================
0.00 0.00 343,024,891.02
====================================================
(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>
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<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC 2000-B
Oakwood Acceptance Corp. - Servicer
Fiscal Year Ended Series Report
Reporting: Fiscal Year 2000
CERTIFICATE INTEREST ANALYSIS
Beginning Carry- Current Priority Current
Certificate Pass-Through Over Priority Interest Carry-Over Total
Class Rate Interest Balance Accrual Priority Int Accrual Paid
---------------------------------------------------------------------------------------------------
Senior Certificates
A-1 8.15000% 0.00 7,716,681.78 0.00 7,716,681.78
--------------------------------------------------------------------------------------
Total 0.00 7,716,681.78 0.00 7,716,681.78
======================================================================================
Subordinate Certificates Current
Beginning Carry- Carry-Over
Pass-Through Over Priority Current Priority Priority Interest Priority Interest
Rate Interest Balance Interest Accrued Accrued Paid
---------------------------------------------------------------------------------------------------
M-1 8.72000% 0.00 627,840.00 0.00 627,840.00
B-1 9.15000% 0.00 576,450.00 0.00 576,450.00
B-2 8.50000% 0.00 459,000.00 0.00 459,000.00
X 1,835,008.83 0.00 0.00 0.00
R 0.00 0.00 0.00 0.00
Service Fee 1.00000% 123,711.18 962,294.36 0.00 1,086,005.54 (1)
--------------------------------------------------------------------------------------
1,958,720.01 2,625,584.36 0.00 2,749,295.54
======================================================================================
1,958,720.01 10,342,266.14 0.00 10,465,977.32
======================================================================================
Ending Interest Paid
Certificate Carry-Over Per $1,000 Total
Class Balance Denomination Distribution
---------------------------------------------------------------------------------
Senior Certificates
A-1 0.00 26.55 26,728,443.48
-------------- -----------------
Total 0.00 26,728,443.48
============== =================
Subordinate Certificates Ending Beginning Current Current
Carry-Over Carry-Over Writedown Carry-Over Writedown
Priority Interest Writedown Interest Writedown Interest
Balance Interest Balance Accrued Interest Accrued Paid
---------------------------------------------------------------------------------
M-1 0.00 0.00 0.00 0.00 0.00
B-1 0.00 0.00 0.00 0.00 0.00
B-2 0.00 0.00 0.00 0.00 0.00
X 1,835,008.83
R 0.00
Service Fee 0.00
---------------------------------------------------------------------------------
1,835,008.83 0.00 0.00 0.00 0.00
=================================================================================
1,835,008.83
=================================================================================
Certificate
Class
Senior Certificates
A-1
Total
Subordinate Certificates Ending Interest
Carry-Over Paid Per Total
Writedown 1000 Class
Interest Balance Denomination Distribution
-------------------------------------------------
M-1 0.00 29.07 627,840.00
B-1 0.00 30.50 576,450.00
B-2 0.00 24.29 459,000.00
X 0.00
R 0.00
Service Fee 1,086,005.54
-------------------------------------------------
0.00 83.85 2,749,295.54
=================================================
29,477,739.02
=================================================
(1) Pursuant to the applicable pooling and servicing agreement, $1,086,005.54 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 $28,391,733.48
</TABLE>
