Ford Credit Auto Owner Trust 2022-A
11/20/2025 | Press release | Distributed by Public on 11/20/2025 08:21
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2022-A
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 46 | ||||
Additional information about the structure, cashflows, defined terms and parties for this transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the registration number 333-258040 and at https://www.ford.com/finance/investor-center/asset-backed-securitization.
I. ORIGINAL DEAL PARAMETERS
| Dollar Amount | # of Receivables | Weighted Avg Remaining Term at Cutoff | |||||||||||||||
| Initial Pool Balance | $ | 1,146,189,073.03 | 34,997 | 56.9 months | |||||||||||||
| Dollar Amount | Note Interest Rate | Final Scheduled Payment Date | |||||||||||||||
| Original Securities: | |||||||||||||||||
| Class A-1 Notes | $ | 182,190,000.00 | 0.23886 | % | February 15, 2023 | ||||||||||||
| Class A-2 Notes | $ | 361,420,000.00 | 0.73 | % | September 15, 2024 | ||||||||||||
| Class A-3 Notes | $ | 361,420,000.00 | 1.29 | % | June 15, 2026 | ||||||||||||
| Class A-4 Notes | $ | 95,040,000.00 | 1.56 | % | May 15, 2027 | ||||||||||||
| Class B Notes | $ | 31,560,000.00 | 1.91 | % | July 15, 2027 | ||||||||||||
| Class C Notes | $ | 21,020,000.00 | 2.14 | % | July 15, 2029 | ||||||||||||
| Total | $ | 1,052,650,000.00 | |||||||||||||||
II. AVAILABLE FUNDS
| Interest: | |||||
| Interest Collections | $ | 303,064.13 | |||
| Principal: | |||||
| Principal Collections | $ | 7,744,371.74 | |||
| Prepayments in Full | $ | 2,452,930.07 | |||
| Liquidation Proceeds | $ | 57,618.32 | |||
| Recoveries | $ | 11,855.85 | |||
| Sub Total | $ | 10,266,775.98 | |||
| Collections | $ | 10,569,840.11 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 18,653.16 | |||
| Purchase Amounts Related to Interest | $ | 64.59 | |||
| Sub Total | $ | 18,717.75 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 10,588,557.86 | |||
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Ford Credit Auto Owner Trust 2022-A
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 46 | ||||
III. DISTRIBUTIONS
| Calculated Amount | Amount Paid | Shortfall | Carryover Shortfall | Remaining Available Funds | |||||||||||||||||||||||||
| Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,588,557.86 | |||||||||||||||||||
| Servicing Fee | $ | 109,027.72 | $ | 109,027.72 | $ | 0.00 | $ | 0.00 | $ | 10,479,530.14 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,479,530.14 | |||||||||||||||||||
| Interest - Class A-2 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,479,530.14 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,479,530.14 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 64,896.13 | $ | 64,896.13 | $ | 0.00 | $ | 0.00 | $ | 10,414,634.01 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,414,634.01 | |||||||||||||||||||
| Interest - Class B Notes | $ | 50,233.00 | $ | 50,233.00 | $ | 0.00 | $ | 0.00 | $ | 10,364,401.01 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,364,401.01 | |||||||||||||||||||
| Interest - Class C Notes | $ | 37,485.67 | $ | 37,485.67 | $ | 0.00 | $ | 0.00 | $ | 10,326,915.34 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,326,915.34 | |||||||||||||||||||
| Regular Principal Payment | $ | 9,610,107.90 | $ | 9,610,107.90 | $ | 0.00 | $ | 0.00 | $ | 716,807.44 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 716,807.44 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 716,807.44 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 10,588,557.86 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 9,610,107.90 | |||||||||||||||||||||||||||
| Total | $ | 9,610,107.90 | |||||||||||||||||||||||||||
IV. NOTEHOLDER PAYMENTS
| Noteholder Principal Payments | Noteholder Interest Payments | Total Payment | |||||||||||||||||||||||||||||||||
| Per $1,000 of | Per $1,000 of | Per $1,000 of | |||||||||||||||||||||||||||||||||
| Actual | Original Balance | Actual | Original Balance | Actual | Original Balance | ||||||||||||||||||||||||||||||
| Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-2 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-4 Notes | $ | 9,610,107.90 | $ | 101.12 | $ | 64,896.13 | $ | 0.68 | $ | 9,675,004.03 | $ | 101.80 | |||||||||||||||||||||||
| Class B Notes | $ | 0.00 | $ | 0.00 | $ | 50,233.00 | $ | 1.59 | $ | 50,233.00 | $ | 1.59 | |||||||||||||||||||||||
| Class C Notes | $ | 0.00 | $ | 0.00 | $ | 37,485.67 | $ | 1.78 | $ | 37,485.67 | $ | 1.78 | |||||||||||||||||||||||
| Total | $ | 9,610,107.90 | $ | 9.13 | $ | 152,614.80 | $ | 0.14 | $ | 9,762,722.70 | $ | 9.27 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2022-A
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 46 | ||||
V. NOTE BALANCE AND POOL INFORMATION
| Beginning of Period | End of Period | ||||||||||||||||||||||
| Balance | Note Factor | Balance | Note Factor | ||||||||||||||||||||
| Class A-1 Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-2 Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-3 Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-4 Notes | $ | 49,920,102.89 | 0.5252536 | $ | 40,309,994.99 | 0.4241372 | |||||||||||||||||
| Class B Notes | $ | 31,560,000.00 | 1.0000000 | $ | 31,560,000.00 | 1.0000000 | |||||||||||||||||
| Class C Notes | $ | 21,020,000.00 | 1.0000000 | $ | 21,020,000.00 | 1.0000000 | |||||||||||||||||
| Total | $ | 102,500,102.89 | 0.0973734 | $ | 92,889,994.99 | 0.0882440 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 2.744 | % | 2.766 | % | |||||||
| Weighted Average Remaining Term | 21.03 | 20.35 | |||||||||
| Number of Receivables Outstanding | 11,619 | 11,114 | |||||||||
| Pool Balance | $ | 130,833,267.63 | $ | 120,511,519.03 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 123,553,291.62 | $ | 113,943,183.72 | |||||||
| Pool Factor | 0.1141463 | 0.1051410 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 2,631,648.59 | |||
| Yield Supplement Overcollateralization Amount | $ | 6,568,335.31 | |||
| Targeted Overcollateralization Amount | $ | 27,621,524.04 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 27,621,524.04 | |||
VII. RECONCILIATION OF RESERVE ACCOUNT
| Beginning Reserve Account Balance | $ | 2,631,648.59 | |||
| Reserve Account Deposits Made | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Ending Reserve Account Balance | $ | 2,631,648.59 | |||
| Change in Reserve Account Balance | $ | 0.00 | |||
| Specified Reserve Balance | $ | 2,631,648.59 | |||
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Ford Credit Auto Owner Trust 2022-A
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 46 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | |||||||||||||||||||
| Current Collection Period Loss: | ||||||||||||||||||||
| Realized Loss (Charge-Offs) | 43 | $ | 48,175.31 | |||||||||||||||||
| (Recoveries) | 49 | $ | 11,855.85 | |||||||||||||||||
| Net Loss for Current Collection Period | $ | 36,319.46 | ||||||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | 0.3331 | % | ||||||||||||||||||
| Prior and Current Collection Periods Average Loss: | ||||||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | ||||||||||||||||||||
| Third Prior Collection Period | 0.7101 | % | ||||||||||||||||||
| Second Prior Collection Period | (0.1129) | % | ||||||||||||||||||
| Prior Collection Period | 0.4660 | % | ||||||||||||||||||
| Current Collection Period | 0.3468 | % | ||||||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.3525 | % | ||||||||||||||||||
| Cumulative Loss: | ||||||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 1,694 | $ | 6,398,434.33 | |||||||||||||||||
| (Cumulative Recoveries) | $ | 1,924,908.04 | ||||||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 4,473,526.29 | ||||||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.3903 | % | ||||||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 3,777.12 | ||||||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 2,640.81 | ||||||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | ||||||||||||||||||
| Delinquent Receivables: | ||||||||||||||||||||
| 31-60 Days Delinquent | 1.92 | % | 140 | $ | 2,311,880.35 | |||||||||||||||
| 61-90 Days Delinquent | 0.28 | % | 17 | $ | 333,437.77 | |||||||||||||||
| 91-120 Days Delinquent | 0.07 | % | 4 | $ | 83,126.84 | |||||||||||||||
| Over 120 Days Delinquent | 0.32 | % | 18 | $ | 381,601.16 | |||||||||||||||
| Total Delinquent Receivables | 2.58 | % | 179 | $ | 3,110,046.12 | |||||||||||||||
| Repossession Inventory: | ||||||||||||||||||||
| Repossessed in the Current Collection Period | 4 | $ | 84,277.02 | |||||||||||||||||
| Total Repossessed Inventory | 10 | $ | 213,796.36 | |||||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | ||||||||||||||||||||
| Second Prior Collection Period | 0.3386 | % | ||||||||||||||||||
| Prior Collection Period | 0.3529 | % | ||||||||||||||||||
| Current Collection Period | 0.3509 | % | ||||||||||||||||||
| Three Month Average | 0.3475 | % | ||||||||||||||||||
| Delinquency Trigger (61+ Delinquent Receivables) | ||||||||||||||||||||
| Transaction Month | Trigger | |||||||||||||||||||
| 1-12 | 0.80% | |||||||||||||||||||
| 13-24 | 1.50% | |||||||||||||||||||
| 25-36 | 2.70% | |||||||||||||||||||
| 37+ | 4.40% | |||||||||||||||||||
| 61+ Delinquent Receivables Balance to EOP Pool Balance | 0.6623 | % | ||||||||||||||||||
| Delinquency Trigger Occurred | No | |||||||||||||||||||
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Ford Credit Auto Owner Trust 2022-A
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 46 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 34 | $671,989.14 | ||||||||||||
| 2 Months Extended | 63 | $1,154,732.96 | ||||||||||||
| 3+ Months Extended | 9 | $165,727.25 | ||||||||||||
| Total Receivables Extended | 106 | $1,992,449.35 | ||||||||||||
IX. REPURCHASE DEMAND ACTIVITY (RULE 15Ga-1)
| No Activity to report | ||
| Most Recent Form ABS-15G for repurchase demand activity | ||
| Filed by: Ford Motor Credit Company LLC | ||
| CIK#: 0000038009 | ||
| Date: February 7, 2025 | ||
SERVICER CERTIFICATION
THIS REPORT IS ACCURATE IN ALL MATERIAL RESPECTS.
Ford Motor Credit Company LLC
/s/ Ryan M. Hershberger
Assistant Treasurer
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Ford Credit Auto Owner Trust 2022-A published this content on November 20, 2025, and is solely responsible for the information contained herein. Distributed via EDGAR on November 20, 2025 at 14:21 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]