World Omni Auto Receivables Trust 2022-C

12/29/2025 | Press release | Distributed by Public on 12/29/2025 10:52

Asset-Backed Issuer Distribution Report (Form 10-D)

World Omni Auto Receivables Trust 2022-C

Monthly Servicer Certificate

November 30, 2025

Dates Covered
Collections Period 11/01/25 - 11/30/25
Interest Accrual Period 11/17/25 - 12/14/25
30/360 Days 30
Actual/360 Days 28
Distribution Date 12/15/25
Collateral Pool Balance Data $ Amount # of Accounts
Pool Balance at 10/31/25 203,603,160.52 15,382
Yield Supplement Overcollateralization Amount 10/31/25 9,688,481.21 0
Receivables Balance 10/31/25 213,291,641.73 15,382
Principal Payments 10,028,568.68 275
Defaulted Receivables 355,081.63 18
Repurchased Accounts 0.00 0
Yield Supplement Overcollateralization Amount at 11/30/25 8,947,878.18 0
Pool Balance at 11/30/25 193,960,113.24 15,089
Pool Statistics $ Amount # of Accounts
Pool Factor 18.06 %
Prepayment ABS Speed 0.95 %
Aggregate Starting Principal Balance 1,123,484,105.00 42,981
Delinquent Receivables:
Past Due 31-60 days 6,228,173.70 321
Past Due 61-90 days 1,821,889.90 94
Past Due 91-120 days 312,541.17 16
Past Due 121+ days 0.00 0
Total 8,362,604.77 431
Total 31+ Delinquent as % Aggregate Ending Principal Balance 4.12 %
Total 61+ Delinquent as % Aggregate Ending Principal Balance 1.05 %
Delinquency Trigger Occurred NO
Recoveries 219,624.46
Aggregate Net Losses/(Gains) - November 2025 135,457.17
Ratio of Net Loss/(Gain) to the Receivables Balance as of beginning of Collection Period (Annualized):
Current Net Losses/(Gains) Ratio 0.76 %
Prior Net Losses/(Gains) Ratio 0.60 %
Second Prior Net Losses/(Gains) Ratio 0.58 %
Third Prior Net Losses/(Gains) Ratio 1.39 %
Four Month Average 0.83 %
Cumulative Net Loss as a % of Aggregate Starting Principal Balance 0.72 %
Overcollateralization Target Amount 5,081,353.05
Actual Overcollateralization 5,081,353.05
Weighted Average Contract Rate 4.81 %
Weighted Average Contract Rate, Yield Adjusted 8.80 %
Weighted Average Remaining Term 28.36
Flow of Funds $ Amount
Collections 11,041,501.04
Investment Earnings on Cash Accounts 16,936.08
Servicing Fee (177,743.03 )
Transfer to Collection Account -
Available Funds 10,880,694.09
Distributions of Available Funds
(1) Asset Representation Reviewer Amounts (up to $150,000 per year) -
(2) Class A Interest 468,422.51
(3) Noteholders' First Priority Principal Distributable Amount -
(4) Class B Interest 103,442.92
(5) Noteholders' Second Priority Principal Distributable Amount -
(6) Class C Interest 55,350.58
(7) Noteholders' Third Priority Principal Distributable Amount 4,561,694.23
(8) Required Reserve Account -
(9) Noteholders' Principal Distributable Amount 5,081,353.05
(10) Asset Representation Reviewer Amounts (in excess of 1) -
(11) Distribution to Certificateholders 610,430.80
Total Distributions of Available Funds 10,880,694.09
Servicing Fee 177,743.03
Unpaid Servicing Fee -
Change in amount of the unpaid servicing fee from the prior period -
Note Balances & Note Factors $ Amount
Original Class A 966,300,000.00
Original Class B 30,350,000.00
Original Class C 15,130,000.00
Total Class A, B, & C
Note Balance @ 11/17/25 198,521,807.47
Principal Paid 9,643,047.28
Note Balance @ 12/15/25 188,878,760.19
Class A-1
Note Balance @ 11/17/25 0.00
Principal Paid 0.00
Note Balance @ 12/15/25 0.00
Note Factor @ 12/15/25 0.0000000 %
Class A-2
Note Balance @ 11/17/25 0.00
Principal Paid 0.00
Note Balance @ 12/15/25 0.00
Note Factor @ 12/15/25 0.0000000 %
Class A-3
Note Balance @ 11/17/25 54,341,807.47
Principal Paid 9,643,047.28
Note Balance @ 12/15/25 44,698,760.19
Note Factor @ 12/15/25 17.6744801 %
Class A-4
Note Balance @ 11/17/25 98,700,000.00
Principal Paid 0.00
Note Balance @ 12/15/25 98,700,000.00
Note Factor @ 12/15/25 100.0000000 %
Class B
Note Balance @ 11/17/25 30,350,000.00
Principal Paid 0.00
Note Balance @ 12/15/25 30,350,000.00
Note Factor @ 12/15/25 100.0000000 %
Class C
Note Balance @ 11/17/25 15,130,000.00
Principal Paid 0.00
Note Balance @ 12/15/25 15,130,000.00
Note Factor @ 12/15/25 100.0000000 %
Interest & Principal Payments $ Amount
Total Interest Paid 627,216.01
Total Principal Paid 9,643,047.28
Total Paid 10,270,263.29
Class A-1
Coupon 2.96900 %
Interest Paid 0.00
Principal Paid 0.00
Total Paid to A-1 Holders 0.00
Class A-2
Coupon 3.73000 %
Interest Paid 0.00
Principal Paid 0.00
Total Paid to A-2 Holders 0.00
Class A-3
Coupon 3.66000 %
Interest Paid 165,742.51
Principal Paid 9,643,047.28
Total Paid to A-3 Holders 9,808,789.79
Class A-4
Coupon 3.68000 %
Interest Paid 302,680.00
Principal Paid 0.00
Total Paid to A-4 Holders 302,680.00
Class B
Coupon 4.09000 %
Interest Paid 103,442.92
Principal Paid 0.00
Total Paid to B Holders 103,442.92
Class C
Coupon 4.39000 %
Interest Paid 55,350.58
Principal Paid 0.00
Total Paid to C Holders 55,350.58
Distribution per $1,000 of Notes Total
Total Interest Distribution Amount 0.6199134
Total Interest Carryover Shortfall 0.0000000
Total Principal Distribution Amount 9.5307748
Total Distribution Amount 10.1506882
A-1 Interest Distribution Amount 0.0000000
A-1 Interest Carryover Shortfall 0.0000000
A-1 Principal Distribution Amount 0.0000000
Total A-1 Distribution Amount 0.0000000
A-2 Interest Distribution Amount 0.0000000
A-2 Interest Carryover Shortfall 0.0000000
A-2 Principal Distribution Amount 0.0000000
Total A-2 Distribution Amount 0.0000000
A-3 Interest Distribution Amount 0.6553678
A-3 Interest Carryover Shortfall 0.0000000
A-3 Principal Distribution Amount 38.1298825
Total A-3 Distribution Amount 38.7852503
A-4 Interest Distribution Amount 3.0666667
A-4 Interest Carryover Shortfall 0.0000000
A-4 Principal Distribution Amount 0.0000000
Total A-4 Distribution Amount 3.0666667
B Interest Distribution Amount 3.4083334
B Interest Carryover Shortfall 0.0000000
B Principal Distribution Amount 0.0000000
Total B Distribution Amount 3.4083334
C Interest Distribution Amount 3.6583331
C Interest Carryover Shortfall 0.0000000
C Principal Distribution Amount 0.0000000
Total C Distribution Amount 3.6583331
Noteholders' First Priority Principal Distributable Amount 0.00
Noteholders' Second Priority Principal Distributable Amount 0.00
Noteholders' Third Priority Principal Distributable Amount 473.06
Noteholders' Principal Distributable Amount 526.94
Account Balances $ Amount
Reserve Account
Balance as of 11/17/25 5,058,901.50
Investment Earnings 15,595.18
Investment Earnings Paid (15,595.18 )
Deposit/(Withdrawal) -
Balance as of 12/15/25 5,058,901.50
Change -
Required Reserve Amount 5,058,901.50
Other Servicing Information Current Month Prior Month Two Months Prior
Principal Balance of Receivables extended during the Collection Period $ 1,556,725.43 $ 2,323,511.29 $ 1,204,776.89
Number of Extensions 84 130 65
Ratio of extensions to Beginning of Period Receivables Balance 0.73 % 1.03 % 0.51 %
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