Ford Credit Auto Owner Trust 2022-B
11/20/2025 | Press release | Distributed by Public on 11/20/2025 08:23
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 41 | ||||
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 | $ | 1,173,418,193.47 | 36,914 | 54.4 months | |||||||||||||
| Dollar Amount | Note Interest Rate | Final Scheduled Payment Date | |||||||||||||||
| Original Securities | |||||||||||||||||
| Class A-1 Notes | $ | 203,160,000.00 | 2.038 | % | July 15, 2023 | ||||||||||||
| Class A-2a Notes | $ | 271,020,000.00 | 3.44 | % | February 15, 2025 | ||||||||||||
| Class A-2b Notes | $ | 100,000,000.00 | 4.83367 | % | * | February 15, 2025 | |||||||||||
| Class A-3 Notes | $ | 321,020,000.00 | 3.74 | % | September 15, 2026 | ||||||||||||
| Class A-4 Notes | $ | 104,800,000.00 | 3.93 | % | August 15, 2027 | ||||||||||||
| Class B Notes | $ | 31,580,000.00 | 4.51 | % | October 15, 2027 | ||||||||||||
| Class C Notes | $ | 21,050,000.00 | 4.85 | % | December 15, 2029 | ||||||||||||
| Total | $ | 1,052,630,000.00 | |||||||||||||||
| * 30-day average SOFR + 0.60% | |||||||||||||||||
II. AVAILABLE FUNDS
| Interest: | |||||
| Interest Collections | $ | 454,988.74 | |||
| Principal: | |||||
| Principal Collections | $ | 9,103,751.13 | |||
| Prepayments in Full | $ | 3,680,113.03 | |||
| Liquidation Proceeds | $ | 54,581.04 | |||
| Recoveries | $ | 25,719.25 | |||
| Sub Total | $ | 12,864,164.45 | |||
| Collections | $ | 13,319,153.19 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 95,629.77 | |||
| Purchase Amounts Related to Interest | $ | 187.23 | |||
| Sub Total | $ | 95,817.00 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 13,414,970.19 | |||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 41 | ||||
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 | $ | 13,414,970.19 | |||||||||||||||||||
| Servicing Fee | $ | 142,361.74 | $ | 142,361.74 | $ | 0.00 | $ | 0.00 | $ | 13,272,608.45 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 13,272,608.45 | |||||||||||||||||||
| Interest - Class A-2a Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 13,272,608.45 | |||||||||||||||||||
| Interest - Class A-2b Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 13,272,608.45 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 13,272,608.45 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 275,524.30 | $ | 275,524.30 | $ | 0.00 | $ | 0.00 | $ | 12,997,084.15 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 12,997,084.15 | |||||||||||||||||||
| Interest - Class B Notes | $ | 118,688.17 | $ | 118,688.17 | $ | 0.00 | $ | 0.00 | $ | 12,878,395.98 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 12,878,395.98 | |||||||||||||||||||
| Interest - Class C Notes | $ | 85,077.08 | $ | 85,077.08 | $ | 0.00 | $ | 0.00 | $ | 12,793,318.90 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 12,793,318.90 | |||||||||||||||||||
| Regular Principal Payment | $ | 11,892,712.52 | $ | 11,892,712.52 | $ | 0.00 | $ | 0.00 | $ | 900,606.38 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 900,606.38 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 900,606.38 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 13,414,970.19 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 11,892,712.52 | |||||||||||||||||||||||||||
| Total | $ | 11,892,712.52 | |||||||||||||||||||||||||||
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 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||||||
| Class A-4 Notes | $ | 11,892,712.52 | $ | 113.48 | $ | 275,524.30 | $ | 2.63 | $ | 12,168,236.82 | $ | 116.11 | |||||||||||||||||||||||
| Class B Notes | $ | 0.00 | $ | 0.00 | $ | 118,688.17 | $ | 3.76 | $ | 118,688.17 | $ | 3.76 | |||||||||||||||||||||||
| Class C Notes | $ | 0.00 | $ | 0.00 | $ | 85,077.08 | $ | 4.04 | $ | 85,077.08 | $ | 4.04 | |||||||||||||||||||||||
| Total | $ | 11,892,712.52 | $ | 11.30 | $ | 479,289.55 | $ | 0.46 | $ | 12,372,002.07 | $ | 11.76 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 41 | ||||
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 | $ | 0.00 | 0.0000000 | $ | 0.00 | 0.0000000 | |||||||||||||||||
| Class A-4 Notes | $ | 84,129,556.77 | 0.8027629 | $ | 72,236,844.25 | 0.6892829 | |||||||||||||||||
| Class B Notes | $ | 31,580,000.00 | 1.0000000 | $ | 31,580,000.00 | 1.0000000 | |||||||||||||||||
| Class C Notes | $ | 21,050,000.00 | 1.0000000 | $ | 21,050,000.00 | 1.0000000 | |||||||||||||||||
| Total | $ | 136,759,556.77 | 0.1299218 | $ | 124,866,844.25 | 0.1186237 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 3.181 | % | 3.206 | % | |||||||
| Weighted Average Remaining Term | 23.15 | 22.44 | |||||||||
| Number of Receivables Outstanding | 13,165 | 12,689 | |||||||||
| Pool Balance | $ | 170,834,085.60 | $ | 157,785,287.17 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 157,812,191.19 | $ | 145,919,478.67 | |||||||
| Pool Factor | 0.1455867 | 0.1344664 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 2,631,579.30 | |||
| Yield Supplement Overcollateralization Amount | $ | 11,865,808.50 | |||
| Targeted Overcollateralization Amount | $ | 32,918,442.92 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 32,918,442.92 | |||
VII. RECONCILIATION OF RESERVE ACCOUNT
| Beginning Reserve Account Balance | $ | 2,631,579.30 | |||
| Reserve Account Deposits Made | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Ending Reserve Account Balance | $ | 2,631,579.30 | |||
| Change in Reserve Account Balance | $ | 0.00 | |||
| Specified Reserve Balance | $ | 2,631,579.30 | |||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 41 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | ||||||||||||||||
| Current Collection Period Loss: | |||||||||||||||||
| Realized Loss (Charge-Offs) | 31 | $ | 114,723.46 | ||||||||||||||
| (Recoveries) | 57 | $ | 25,719.25 | ||||||||||||||
| Net Loss for Current Collection Period | $ | 89,004.21 | |||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | 0.6252 | % | |||||||||||||||
| Prior and Current Collection Periods Average Loss: | |||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | |||||||||||||||||
| Third Prior Collection Period | 1.0899 | % | |||||||||||||||
| Second Prior Collection Period | 0.3320 | % | |||||||||||||||
| Prior Collection Period | 0.3631 | % | |||||||||||||||
| Current Collection Period | 0.6500 | % | |||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.6088 | % | |||||||||||||||
| Cumulative Loss: | |||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 1,826 | $ | 8,110,976.34 | ||||||||||||||
| (Cumulative Recoveries) | $ | 2,018,848.46 | |||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 6,092,127.88 | |||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.5192 | % | |||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 4,441.94 | |||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 3,336.32 | |||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | |||||||||||||||
| Delinquent Receivables: | |||||||||||||||||
| 31-60 Days Delinquent | 1.76 | % | 152 | $ | 2,784,118.24 | ||||||||||||
| 61-90 Days Delinquent | 0.27 | % | 20 | $ | 422,977.10 | ||||||||||||
| 91-120 Days Delinquent | 0.02 | % | 2 | $ | 23,842.07 | ||||||||||||
| Over 120 Days Delinquent | 0.30 | % | 19 | $ | 470,916.98 | ||||||||||||
| Total Delinquent Receivables | 2.35 | % | 193 | $ | 3,701,854.39 | ||||||||||||
| Repossession Inventory: | |||||||||||||||||
| Repossessed in the Current Collection Period | 9 | $ | 192,587.82 | ||||||||||||||
| Total Repossessed Inventory | 13 | $ | 286,811.33 | ||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | |||||||||||||||||
| Second Prior Collection Period | 0.3958 | % | |||||||||||||||
| Prior Collection Period | 0.4026 | % | |||||||||||||||
| Current Collection Period | 0.3231 | % | |||||||||||||||
| Three Month Average | 0.3738 | % | |||||||||||||||
| 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 | 0.5816 | % | |||||||||||||||
| Delinquency Trigger Occurred | No | ||||||||||||||||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | October 2025 | ||||
| Payment Date | 11/17/2025 | ||||
| Transaction Month | 41 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 38 | $753,867.37 | ||||||||||||
| 2 Months Extended | 68 | $1,397,846.46 | ||||||||||||
| 3+ Months Extended | 9 | $163,847.68 | ||||||||||||
| Total Receivables Extended | 115 | $2,315,561.51 | ||||||||||||
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-B published this content on November 20, 2025, and is solely responsible for the information contained herein. Distributed via EDGAR on November 20, 2025 at 14:23 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]