OAKWOOD MORTGAGE INVESTORS, INC 2002-A 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-A as of the end of the prepayment period that
began on February 1, 2002 and ended on September 30, 2002 and as of the end of the collection period that began on February 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 Contracts

Scheduled Gross Interest

Servicing Fee

Scheduled Pass
Thru Interest

Liquidation Proceeds

Transfer from
Prefunding Account

Unrecoverable Advances


Amount Available
for DistributionBeginning Principal Balance

Scheduled Principal


Prepaid Principal


Liquidated Principal


Pre-Funding

Ending Principal Balance119,455,468.39

(853,546.51
)

(7,154,877.38
)

(293,111.36
)

36,950,749.24

148,104,682.38

10,639,542.11

956,603.46

9,682,938.65

148,683.53

0.76

(167,119.53
)

18,629,530.76





Certificate Account

P&I Advances at Distribution DateDeposits

Distributions


Investment Interest

Ending Balance

Beginning Balance

Recovered Advances

Current Advances

Ending BalanceBeginning Balance

Principal

Interest0.00

7,522,492.37

9,412,492.64

(16,440,930.12
)

4,087.80

498,142.69

0.00

2,874,767.16

3,956,300.75

1,081,533.59






---




Oakwood Acceptance Corp. - Servicer


Fiscal Year Ended Series Report


Reporting:     Fiscal Year 2002





Gross Repossessions

Repo Properties Brought Current by Borrower

Net Current Repos

Aggregate Repo Properties in Trust at Month-End# Principal Balance

# Principal Balance

# Principal Balance

# Principal Balance2-Feb

0

0.00

0

0.00

0

0.00

0

0.002-Mar

0

0.00

0

0.00

0

0.00

0

0.002-Apr

0

0.00

0

0.00

0

0.00

0

0.002-May

3

117,823.35

0

0.00

3

117,823.35

3

117,823.352-Jun

18

714,046.59

0

0.00

15

596,223.24

18

714,046.592-Jul

32

1,208,301.49

0

0.00

16

541,302.51

34

1,255,349.102-Aug

62

2,329,979.99

0

0.00

30

1,121,678.50

64

2,377,027.602-Sep

91

3,332,334.44

-1

-34,531.71

36

1,284,395.16

99

3,626,891.05Total of month end balance

206

7,702,485.86

-1

-34,531.71

100

3,661,422.76

218

8,091,137.69Average month end balance

26

962,811.00

0

-4,316.00

13

457,678.00

27

1,011,392.00







---

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

Principal

No. of

Principal

No. of

Principal

No. of

PrincipalLoans

Balance

Loans

Balance

Loans

Balance

Loans

Balance02-Feb

2

67,527.85

0

0.00

0

0.00

2

67,527.8502-Mar

26

921,900.76

0

0.00

0

0.00

26

921,900.7602-Apr

37

1,687,935.61

17

675,159.13

0

0.00

54

2,363,094.7402-May

53

1,970,717.53

31

469,603.60

17

675,159.13

101

3,115,480.2602-Jun

76

3,036,340.21

31

1,177,039.76

45

2,018,203.59

152

6,231,583.5602-Jul

72

3,008,343.71

43

1,826,482.79

74

3,224,273.11

189

8,059,099.6102-Aug

102

4,618,326.63

45

1,799,389.33

111

4,753,178.71

258

11,170,894.6702-Sep

73

2,969,995.48

40

1,734,344.01

143

6,033,270.32

256

10,737,609.81Total of month end balance

441

18,281,087.78

207

7,682,018.62

390

16,704,084.86

1,038

42,667,191.26Average month end balance

55

2,285,136.00

26

960,252.00

49

2,088,011.00

130

5,333,399.00




---




Oakwood Acceptance Corp. - Servicer


Fiscal Year Ended Series Report


Reporting:Fiscal Year 2002





REPOSSESSION LIQUIDATION REPORT


See Monthly Investor Report for Detail


Prepayment

Liquidated Principal

Sales

Insur.

Total

Repossession

Net Liquidation

Unrecov.

FHA Insurance

Net Pass Thru

Current Period Net

CumulativePeriod

Balance

Proceeds

Refunds

Proceeds

Expenses

Proceeds

Advances

Coverage

Proceeds

Gain/(Loss)

Gain/(Loss)02-Feb

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.0002-Mar

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.0002-Apr

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.0002-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

46,674.40

34,400.00

145.48

34,545.48

22,732.00

11,813.48

3,922.68

0.00

7,890.80

-38,783.6002-Aug

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.0002-Sep

246,436.96

222,500.00

3,410.17

225,910.17

77,550.00

148,360.17

19,708.70

12,141.26

140,792.73

-105,644.23Total

293,111.36

256,900.00

3,555.65

260,455.65

100,282.00

160,173.65

23,631.38

12,141.26

148,683.53

-144,427.83

-144,427.83







---




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

36,300,000.00

36,300,000.00

0.00

8,301,536.01

8,301,536.01

2,829,260.17


0.00

0.00

25,169,203.82

69.33665
%

306.633500.00

0.00

0.00


0.00A-2

30,600,000.00

30,600,000.00

0.00

0.00

0.00

0.00


0.00

0.00

30,600,000.00

100.00000
%

0.000000.00

0.00

0.00


0.00A-3

13,900,000.00

13,900,000.00

0.00

0.00

0.00

0.00


0.00

0.00

13,900,000.00

100.00000
%

0.000000.00

0.00

0.00


0.00A-4

23,992,000.00

23,992,000.00

0.00

0.00

0.00

0.00


0.00

0.00

23,992,000.00

100.00000
%

0.000000.00

0.00

0.00


0.00Total Certificate Principal Balance

104,792,000.00

104,792,000.00

0.00

8,301,536.01

8,301,536.01

2,829,260.17


0.00

0.00

93,661,203.82M-1

16,423,000.00

16,423,000.00

0.00

0.00

0.00

0.00


0.00

0.00

16,423,000.00

100.00000
%

0.00000M-1 Outstanding Writedown



0.00












0.00

0.00

0.00


0.00M-2

10,166,000.00

10,166,000.00

0.00

0.00

0.00

0.00


0.00

0.00

10,166,000.00

100.00000
%

0.00000M-2 Outstanding Writedown



0.00












0.00

0.00

0.00


0.00B-1

7,429,000.00

7,429,000.00

0.00

0.00

0.00

0.00


0.00

0.00

7,429,000.00

100.00000
%

0.00000B-1 Outstanding Writedown



0.00












0.00

0.00

0.00


0.00B-2

8,993,000.00

8,993,000.00

0.00

0.00

0.00

0.00


0.00

0.00

8,993,000.00

100.00000
%

0.00000B-2 Outstanding Writedown



0.00












0.00

0.00

0.00


0.00Excess Asset Principal Balance

8,603,218.39

8,603,218.39

0.00

0.00

0.00

(2,829,260.17
)

0.00

0.00

11,432,478.56Total Excluding Writedown Balances

51,614,218.39

51,614,218.39

0.00

0.00

0.00

(2,829,260.17
)

0.00

0.00

54,443,478.56All Certs Excluding Writedown Bal

156,406,218.39

156,406,218.39

0.00

8,301,536.01

8,301,536.01

0.00


0.00

0.00

148,104,682.38







---




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 Denomination

Cert. Class

TOTAL DISTRIBUTIONA-1

2.07313
%

0.00

413,309.34

413,309.34

0.00

11.38593

A-1

11,544,105.52A-2

5.01000
%

0.00

1,022,040.00

1,022,040.00

0.00

33.40000

A-2

1,022,040.00A-3

6.03000
%

0.00

558,780.00

558,780.00

0.00

40.20000

A-3

558,780.00A-4

6.97000
%

0.00

1,114,828.24

1,114,828.24

0.00

46.46667

A-4

1,114,828.24A-I0

6.00000
%

0.00

1,025,500.00

1,025,500.00

0.00



A-I0

1,025,500.00Total




0.00

4,134,457.58

4,134,457.58

0.00





15,265,253.76M-1

7.76000
%

0.00

849,616.52

849,616.52

0.00

51.73333

M-1

849,616.52M-1 Writedown Interest

0.00


0.00

0.00

0.00

0.00M-2

8.50000
%

0.00

576,073.36

576,073.36

0.00

56.66667

M-2

576,073.36M-2 Writedown Interest

0.00


0.00

0.00

0.00

0.00B-1

8.50000
%

0.00

420,976.64

420,976.64

0.00

56.66666

B-1

420,976.64B-1 Carryover Interest

0.00


0.00

0.00

0.00

0.00B-2

8.85000
%

0.00

526,364.63

526,364.63

0.00

58.53048

B-2

530,587.04B-2 Writedown Interest

0.00


0.00

0.00

0.00

0.00Certificateholders int carryover amount

0.00


0.00

4,222.41

4,222.41

0.00X




0.00

3,140,807.53

0.00

3,140,807.53



X

0.00R




0.00

0.00

0.00

0.00



R

0.00Service Fee

1.00000
%

0.00

956,603.46

956,603.46

0.00





956,603.46Current Trustee Fees






30,419.98

30,419.98







30,419.98Total




0.00

6,505,084.53

3,364,277.00

3,140,807.53





3,364,277.00All Certificates




0.00

10,639,542.11

7,498,734.58

3,140,807.53





18,629,530.76


|(1) |  | Pursuant to the applicable pooling and servicing agreement, $956,603.46 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 $17,672,927.30




6