Ford Credit Auto Owner Trust 2022-D
12/18/2025 | Press release | Distributed by Public on 12/18/2025 06:49
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 37 | ||||
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 | $ | 1,471,280,949.11 | 45,366 | 54.6 months | |||||||||||||
| Dollar Amount | Note Interest Rate | Final Scheduled Payment Date | |||||||||||||||
| Original Securities | |||||||||||||||||
| Class A-1 Notes | $ | 254,320,000.00 | 4.594 | % | December 15, 2023 | ||||||||||||
| Class A-2a Notes | $ | 300,340,000.00 | 5.37 | % | August 15, 2025 | ||||||||||||
| Class A-2b Notes | $ | 160,000,000.00 | 4.90202 | % | * | August 15, 2025 | |||||||||||
| Class A-3 Notes | $ | 460,340,000.00 | 5.27 | % | May 15, 2027 | ||||||||||||
| Class A-4 Notes | $ | 75,000,000.00 | 5.30 | % | March 15, 2028 | ||||||||||||
| Class B Notes | $ | 39,480,000.00 | 5.98 | % | June 15, 2028 | ||||||||||||
| Class C Notes | $ | 26,300,000.00 | 6.46 | % | May 15, 2030 | ||||||||||||
| Total | $ | 1,315,780,000.00 | |||||||||||||||
| * 30-day average SOFR + 0.76% | |||||||||||||||||
II. AVAILABLE FUNDS
| Interest: | |||||
| Interest Collections | $ | 965,905.91 | |||
| Principal: | |||||
| Principal Collections | $ | 11,208,110.00 | |||
| Prepayments in Full | $ | 3,808,526.97 | |||
| Liquidation Proceeds | $ | 177,341.35 | |||
| Recoveries | $ | 97,623.98 | |||
| Sub Total | $ | 15,291,602.30 | |||
| Collections | $ | 16,257,508.21 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 88,549.81 | |||
| Purchase Amounts Related to Interest | $ | 451.31 | |||
| Sub Total | $ | 89,001.12 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 16,346,509.33 | |||
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Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 37 | ||||
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 | $ | 16,346,509.33 | |||||||||||||||||||
| Servicing Fee | $ | 236,403.05 | $ | 236,403.05 | $ | 0.00 | $ | 0.00 | $ | 16,110,106.28 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 16,110,106.28 | |||||||||||||||||||
| Interest - Class A-2a Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 16,110,106.28 | |||||||||||||||||||
| Interest - Class A-2b Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 16,110,106.28 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 408,188.19 | $ | 408,188.19 | $ | 0.00 | $ | 0.00 | $ | 15,701,918.09 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 331,250.00 | $ | 331,250.00 | $ | 0.00 | $ | 0.00 | $ | 15,370,668.09 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 15,370,668.09 | |||||||||||||||||||
| Interest - Class B Notes | $ | 196,742.00 | $ | 196,742.00 | $ | 0.00 | $ | 0.00 | $ | 15,173,926.09 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 15,173,926.09 | |||||||||||||||||||
| Interest - Class C Notes | $ | 141,581.67 | $ | 141,581.67 | $ | 0.00 | $ | 0.00 | $ | 15,032,344.42 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 15,032,344.42 | |||||||||||||||||||
| Regular Principal Payment | $ | 13,486,331.53 | $ | 13,486,331.53 | $ | 0.00 | $ | 0.00 | $ | 1,546,012.89 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 1,546,012.89 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 1,546,012.89 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 16,346,509.33 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 13,486,331.53 | |||||||||||||||||||||||||||
| Total | $ | 13,486,331.53 | |||||||||||||||||||||||||||
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-2a Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-2b Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-3 Notes | $ | 13,486,331.53 | $ | 29.30 | $ | 408,188.19 | $ | 0.89 | $ | 13,894,519.72 | $ | 30.19 | |||||||||||||||||||||||
| Class A-4 Notes | $ | 0.00 | $ | 0.00 | $ | 331,250.00 | $ | 4.42 | $ | 331,250.00 | $ | 4.42 | |||||||||||||||||||||||
| Class B Notes | $ | 0.00 | $ | 0.00 | $ | 196,742.00 | $ | 4.98 | $ | 196,742.00 | $ | 4.98 | |||||||||||||||||||||||
| Class C Notes | $ | 0.00 | $ | 0.00 | $ | 141,581.67 | $ | 5.38 | $ | 141,581.67 | $ | 5.38 | |||||||||||||||||||||||
| Total | $ | 13,486,331.53 | $ | 10.25 | $ | 1,077,761.86 | $ | 0.82 | $ | 14,564,093.39 | $ | 11.07 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 37 | ||||
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-2a Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-2b Notes | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-3 Notes | $ | 92,946,077.37 | 0.2019075 | $ | 79,459,745.84 | 0.1726110 | |||||||||||||||||
| Class A-4 Notes | $ | 75,000,000.00 | 1.0000000 | $ | 75,000,000.00 | 1.0000000 | |||||||||||||||||
| Class B Notes | $ | 39,480,000.00 | 1.0000000 | $ | 39,480,000.00 | 1.0000000 | |||||||||||||||||
| Class C Notes | $ | 26,300,000.00 | 1.0000000 | $ | 26,300,000.00 | 1.0000000 | |||||||||||||||||
| Total | $ | 233,726,077.37 | 0.1776331 | $ | 220,239,745.84 | 0.1673834 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 4.479 | % | 4.510 | % | |||||||
| Weighted Average Remaining Term | 27.97 | 27.23 | |||||||||
| Number of Receivables Outstanding | 17,393 | 16,918 | |||||||||
| Pool Balance | $ | 283,683,658.68 | $ | 268,201,277.13 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 260,349,749.12 | $ | 246,631,181.87 | |||||||
| Pool Factor | 0.1928141 | 0.1822910 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 3,947,367.68 | |||
| Yield Supplement Overcollateralization Amount | $ | 21,570,095.26 | |||
| Targeted Overcollateralization Amount | $ | 47,961,531.29 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 47,961,531.29 | |||
VII. RECONCILIATION OF RESERVE ACCOUNT
| Beginning Reserve Account Balance | $ | 3,947,367.68 | |||
| Reserve Account Deposits Made | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Ending Reserve Account Balance | $ | 3,947,367.68 | |||
| Change in Reserve Account Balance | $ | 0.00 | |||
| Specified Reserve Balance | $ | 3,947,367.68 | |||
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Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 37 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | ||||||||||||||||
| Current Collection Period Loss: | |||||||||||||||||
| Realized Loss (Charge-Offs) | 36 | $ | 199,853.42 | ||||||||||||||
| (Recoveries) | 80 | $ | 97,623.98 | ||||||||||||||
| Net Loss for Current Collection Period | $ | 102,229.44 | |||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | 0.4324 | % | |||||||||||||||
| Prior and Current Collection Periods Average Loss: | |||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | |||||||||||||||||
| Third Prior Collection Period | 0.4875 | % | |||||||||||||||
| Second Prior Collection Period | 0.3686 | % | |||||||||||||||
| Prior Collection Period | 0.1648 | % | |||||||||||||||
| Current Collection Period | 0.4446 | % | |||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.3664 | % | |||||||||||||||
| Cumulative Loss: | |||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 2,462 | $ | 12,927,406.00 | ||||||||||||||
| (Cumulative Recoveries) | $ | 2,657,817.60 | |||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 10,269,588.40 | |||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.6980 | % | |||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 5,250.77 | |||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 4,171.24 | |||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | |||||||||||||||
| Delinquent Receivables: | |||||||||||||||||
| 31-60 Days Delinquent | 2.06 | % | 219 | $ | 5,525,423.82 | ||||||||||||
| 61-90 Days Delinquent | 0.29 | % | 30 | $ | 786,104.21 | ||||||||||||
| 91-120 Days Delinquent | 0.05 | % | 6 | $ | 125,019.02 | ||||||||||||
| Over 120 Days Delinquent | 0.39 | % | 41 | $ | 1,055,041.21 | ||||||||||||
| Total Delinquent Receivables | 2.79 | % | 296 | $ | 7,491,588.26 | ||||||||||||
| Repossession Inventory: | |||||||||||||||||
| Repossessed in the Current Collection Period | 9 | $ | 250,317.84 | ||||||||||||||
| Total Repossessed Inventory | 22 | $ | 615,518.94 | ||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | |||||||||||||||||
| Second Prior Collection Period | 0.4179 | % | |||||||||||||||
| Prior Collection Period | 0.4370 | % | |||||||||||||||
| Current Collection Period | 0.4551 | % | |||||||||||||||
| Three Month Average | 0.4367 | % | |||||||||||||||
| 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 | 0.7331 | % | |||||||||||||||
| Delinquency Trigger Occurred | No | ||||||||||||||||
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Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 37 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 62 | $1,534,959.53 | ||||||||||||
| 2 Months Extended | 87 | $2,321,476.58 | ||||||||||||
| 3+ Months Extended | 29 | $758,720.48 | ||||||||||||
| Total Receivables Extended | 178 | $4,615,156.59 | ||||||||||||
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 | ||
X. FLOATING RATE BENCHMARK: BENCHMARK TRANSITION
| Benchmark Transition Event: | N/A | ||||
| Benchmark Replacement Date: | N/A | ||||
| Unadjusted Benchmark Replacement: | N/A | ||||
| Benchmark Replacement Adjustment: | N/A | ||||
| Benchmark Replacement Conforming Changes: | N/A | ||||
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-D published this content on December 18, 2025, and is solely responsible for the information contained herein. Distributed via Edgar on December 18, 2025 at 12:50 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]