Ex-99.1





OAKWOOD MORTGAGE INVESTORS, INC        2002-B Oakwood Acceptance Corp.Servicer Fiscal Year Ended Series Report Reporting:
                                    Fiscal Year 2002

Note:  This fiscal year-end series report, reports information on the assets included in OMI Trust 2002-B as of the end of the prepayment period
that began on May 1, 2002 and ended on September 30, 2002 and as of the end of the collection period that began on May 2, 2002 and ended on October 1, 2002. Accordingly, the information presented with regard to the certificates reflects information
as of the close of business on October 15, 2002, 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 ContractsBeginning Principal Balance

Scheduled Principal

Prepaid Principal

Liquidated Principal

Pre-Funding

Ending Principal Balance

Scheduled Gross Interest

Servicing Fee

Scheduled Pass Thru Interest

Liquidation Proceeds

Transfer from Prefunding Account

Unrecoverable Advances

Amount Available for Distribution190,148,653.22

(1,904,360.29)

(5,363,611.10)

(24,921.69)

58,817,700.58

241,673,460.72

11,010,731.45

926,908.76

10,083,822.69

9,976.48

49.42

(54,336.53)

18,234,392.21





Certificate Account



P&I Advances at Distribution DateBeginning

Deposits



Investment

Ending



Beginning

Recovered

Current

EndingBalance

Principal

Interest

Distributions

Interest

Balance



Balance

Advances

Advances

Balance0.00

5,983,316.21

9,501,055.64

(14,804,187.02)

3,057.64

683,242.47



0.00

2,843,823.83

4,270,026.28

1,426,202.45






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Oakwood Acceptance Corp.Servicer


Fiscal Year Ended Series Report


Reporting:     Fiscal Year 2002





Gross Repossessions # Principal Balance

Repo Properties    Brought Current by Borrower # Principal Balance

Net Current Repos # Principal Balance

Aggregate Repo Properties
   in Trust at Month-End # Principal Balance02-May

0

0.00

0

0.00

0

0.00

0

0.0002-Jun

1

23,089.00

0

0.00

1

23,089.00

1

23,089.0002-Jul

9

291,961.73

0

0.00

8

268,872.73

9

291,961.7302-Aug

19

563,300.77

0

0.00

10

271,339.04

19

563,300.7702-Sep

68

2,051,166.71

0

0.00

50

1,513,084.41

69

2,076,385.18Total of month end balance

97

2,929,518.21

0

0.00

69

2,076,385.18

98

2,954,736.68Average month end balance

19

585,904.00

0

0.00

14

415,277.00

20

590,947.00




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Oakwood Acceptance Corp.Servicer


Fiscal Year Ended Series Report


Reporting:    Fiscal Year 2002





Delinquency Analysis31 to 59 days

60 to 89 days

90 days and Over

Total Delinq.No. of Loans

Principal Balance

No. of Loans

Principal Balance

No. of Loans

Principal Balance

No. of Loans

Principal Balance02-May

28

806,978.16

2

25,940.69

0

0.00

30

832,918.8502-Jun

66

1,933,986.00

18

629,817.27

1

9,610.82

85

2,573,414.0902-Jul

105

3,564,054.22

32

1,008,031.39

17

592,076.04

154

5,164,161.6502-Aug

156

5,275,878.95

60

2,168,488.51

45

1,419,603.61

261

8,863,971.0702-Sep

115

3,980,093.52

66

2,512,444.05

90

3,199,809.17

271

9,692,346.74Total of month end balance

470

15,560,990.85

178

6,344,721.91

153

5,221,099.64

801

27,126,812.40Average month end balance

94

3,112,198.00

36

1,268,944.00

31

1,044,220.00

160

5,425,362.00




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Oakwood Acceptance Corp.Servicer


Fiscal Year Ended Series Report


Reporting:Fiscal Year 2002





REPOSSESSION LIQUIDATION REPORT


See Monthly Investor Report for Detail


Prepayment Period

Liquidated Principal Balance

Sales Proceeds

Insur. Refunds

Total Proceeds

Repossession Expenses

Net Liquidation Proceeds

Unrecov. Advances

FHA Insurance Coverage

Net Pass Thru Proceeds

Current Period Net Gain/(Loss)

Cumulative Gain/(Loss)02-May

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.0002-Jun

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.0002-Jul

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.0002-Aug

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.0002-Sep

24,921.69

22,900.00

0.00

22,900.00

11,206.00

11,694.00

1,717.52

0.00

9,976.48

-14,945.21Total

24,921.69

22,900.00

0.00

22,900.00

11,206.00

11,694.00

1,717.52

0.00

9,976.48

-14,945.21

-14,945.21







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Oakwood Acceptance Corp.Servicer


Fiscal Year Ended Series Report


Reporting:     Fiscal Year 2002





CERTIFICATE PRINCIPAL ANALYSIS





PRINCIPAL





Certificate Class

Original Certificate Balances

Beginning Certificate
Balances

Beginning Principal Shortfall Carry-Over

Current Principal Due

Current Principal Paid

Accelerated Principal
Distribution


Ending Principal Shortfall
Carry-Over

Writedown Amounts

Ending Certificate Balances

Pool Factor


Principal Paid Per $1,000 DenominationA-1

62,300,000.00

62,300,000.00

0.00

7,292,942.50

7,292,942.50

3,010,392.56


0.00

0.00

51,996,664.94

83.46174
%

165.382590.00

0.00

0.00


0.00A-2

50,200,000.00

50,200,000.00

0.00

0.00

0.00

0.00


0.00

0.00

50,200,000.00

100.00000
%

0.000000.00

0.00

0.00


0.00A-3

22,500,000.00

22,500,000.00

0.00

0.00

0.00

0.00


0.00

0.00

22,500,000.00

100.00000
%

0.000000.00

0.00

0.00


0.00A-4

31,806,000.00

31,806,000.00

0.00

0.00

0.00

0.00


0.00

0.00

31,806,000.00

100.00000
%

0.000000.00

0.00

0.00


0.00Total Certificate Principal Balance

166,806,000.00

166,806,000.00

0.00

7,292,942.50

7,292,942.50

3,010,392.56


0.00

0.00

156,502,664.94M-1

24,896,000.00

24,896,000.00

0.00

0.00

0.00

0.00


0.00

0.00

24,896,000.00

100.00000
%

0.00000M-1 Outstanding Writedown



0.00












0.00

0.00

0.00


0.00M-2

17,428,000.00

17,428,000.00

0.00

0.00

0.00

0.00


0.00

0.00

17,428,000.00

100.00000
%

0.00000M-2 Outstanding Writedown



0.00












0.00

0.00

0.00


0.00B-1

11,826,000.00

11,826,000.00

0.00

0.00

0.00

0.00


0.00

0.00

11,826,000.00

100.00000
%

0.00000B-1 Outstanding Writedown



0.00












0.00

0.00

0.00


0.00B-2

14,315,000.00

14,315,000.00

0.00

0.00

0.00

0.00


0.00

0.00

14,315,000.00

100.00000
%

0.00000B-2 Outstanding Writedown



0.00












0.00

0.00

0.00


0.00Excess Asset Principal Balance

13,695,403.22

13,695,403.22

0.00

0.00

0.00

(3,010,392.56
)

0.00

0.00

16,705,795.78Total Excluding Writedown Balances

82,160,403.22

82,160,403.22

0.00

0.00

0.00

(3,010,392.56
)

0.00

0.00

85,170,795.78All Certs Excluding Writedown Bal

248,966,403.22

248,966,403.22

0.00

7,292,942.50

7,292,942.50

0.00


0.00

0.00

241,673,460.72




---




Oakwood Acceptance Corp.Servicer


Fiscal Year Ended Series Report


Reporting:     Fiscal Year 2002





CERTIFICATE INTEREST ANALYSIS





Certificate Class

Pass-Through Rate


Beginning Carry-Over Priority Interest Balance

Current Priority Interest Accrual

Total Paid


Ending Carry-Over Priority Interest Balance

Interest Paid Per $1,000
Denomination

Cert. Class

TOTAL DISTRIBUTIONA-1

2.05313
%

0.00

451,628.22

451,628.22


0.00

7.24925

A-1

10,754,963.28A-2

5.19000
%

0.00

1,085,575.00

1,085,575.00


0.00

21.62500

A-2

1,085,575.00A-3

6.06000
%

0.00

568,125.00

568,125.00


0.00

25.25000

A-3

568,125.00A-4

7.09000
%

0.00

939,602.25

939,602.25


0.00

29.54167

A-4

939,602.25A-I0

6.00000
%

0.00

1,505,000.00

1,505,000.00


0.00



A-I0

1,505,000.00Total




0.00

4,549,930.47

4,549,930.47


0.00





14,853,265.53M-1

7.62000
%

0.00

790,448.00

790,448.00


0.00

31.75000

M-1

790,448.00M-1 Writedown Interest

0.00


0.00

0.00

0.00


0.00M-2

8.50000
%

0.00

617,241.65

617,241.65


0.00

35.41667

M-2

617,241.65M-2 Writedown Interest

0.00


0.00

0.00

0.00


0.00B-1

8.50000
%

0.00

418,837.50

418,837.50


0.00

35.41667

B-1

418,837.50B-1 Carryover Interest

0.00


0.00

0.00

0.00


0.00B-2

9.70000
%

0.00

578,486.46

578,486.46


0.00

40.41121

B-2

578,564.60B-2 Writedown Interest

0.00


0.00

0.00

0.00


0.00Certificateholders int carryover

0.00


0.00

78.14

78.14


0.00X




0.00

3,079,674.30

0.00


3,079,674.30



X

0.00R




0.00

0.00

0.00


0.00



R

0.00Service Fee

1.00000
%

0.00

926,908.76

926,908.76
(1)

0.00





926,908.76Current Trustee Fees






49,126.17

49,126.17








49,126.17Total




0.00

6,460,800.98

3,381,126.68


3,079,674.30





3,381,126.68All Certificates




0.00

11,010,731.45

7,931,057.15


3,079,674.30





18,234,392.21
(1)





(1) Pursuant to the applicable pooling and servicing agreement, $926,908.76 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 $17,307,483.45