Ford Credit Auto Owner Trust 2022-D
02/19/2026 | Press release | Distributed by Public on 02/19/2026 08:13
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 39 | ||||
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 | 4.46735 | % | * | 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 | $ | 941,092.61 | |||
| Principal: | |||||
| Principal Collections | $ | 11,144,884.21 | |||
| Prepayments in Full | $ | 3,927,798.54 | |||
| Liquidation Proceeds | $ | 148,602.08 | |||
| Recoveries | $ | 8,942.24 | |||
| Sub Total | $ | 15,230,227.07 | |||
| Collections | $ | 16,171,319.68 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 203,896.52 | |||
| Purchase Amounts Related to Interest | $ | 1,042.65 | |||
| Sub Total | $ | 204,939.17 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 16,376,258.85 | |||
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Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 39 | ||||
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 | $ | 16,376,258.85 | |||||||||||||||||||
| Servicing Fee | $ | 207,961.46 | $ | 207,961.46 | $ | 0.00 | $ | 0.00 | $ | 16,168,297.39 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 16,168,297.39 | |||||||||||||||||||
| Interest - Class A-2a Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 16,168,297.39 | |||||||||||||||||||
| Interest - Class A-2b Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 16,168,297.39 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 274,772.07 | $ | 274,772.07 | $ | 0.00 | $ | 0.00 | $ | 15,893,525.32 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 331,250.00 | $ | 331,250.00 | $ | 0.00 | $ | 0.00 | $ | 15,562,275.32 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 15,562,275.32 | |||||||||||||||||||
| Interest - Class B Notes | $ | 196,742.00 | $ | 196,742.00 | $ | 0.00 | $ | 0.00 | $ | 15,365,533.32 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 15,365,533.32 | |||||||||||||||||||
| Interest - Class C Notes | $ | 141,581.67 | $ | 141,581.67 | $ | 0.00 | $ | 0.00 | $ | 15,223,951.65 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 15,223,951.65 | |||||||||||||||||||
| Regular Principal Payment | $ | 14,012,862.97 | $ | 14,012,862.97 | $ | 0.00 | $ | 0.00 | $ | 1,211,088.68 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 1,211,088.68 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 1,211,088.68 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 16,376,258.85 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 14,012,862.97 | |||||||||||||||||||||||||||
| Total | $ | 14,012,862.97 | |||||||||||||||||||||||||||
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 | $ | 14,012,862.97 | $ | 30.44 | $ | 274,772.07 | $ | 0.60 | $ | 14,287,635.04 | $ | 31.04 | |||||||||||||||||||||||
| 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 | $ | 14,012,862.97 | $ | 10.65 | $ | 944,345.74 | $ | 0.72 | $ | 14,957,208.71 | $ | 11.37 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 39 | ||||
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 | $ | 62,566,695.78 | 0.1359141 | $ | 48,553,832.81 | 0.1054739 | |||||||||||||||||
| 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 | $ | 203,346,695.78 | 0.1545446 | $ | 189,333,832.81 | 0.1438947 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 4.548 | % | 4.590 | % | |||||||
| Weighted Average Remaining Term | 26.57 | 25.88 | |||||||||
| Number of Receivables Outstanding | 16,239 | 15,738 | |||||||||
| Pool Balance | $ | 249,553,746.31 | $ | 233,946,545.48 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 229,662,480.33 | $ | 215,649,617.36 | |||||||
| Pool Factor | 0.1696167 | 0.1590088 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 3,947,367.68 | |||
| Yield Supplement Overcollateralization Amount | $ | 18,296,928.12 | |||
| Targeted Overcollateralization Amount | $ | 44,612,712.67 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 44,612,712.67 | |||
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 | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 39 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | ||||||||||||||||
| Current Collection Period Loss: | |||||||||||||||||
| Realized Loss (Charge-Offs) | 53 | $ | 182,019.48 | ||||||||||||||
| (Recoveries) | 69 | $ | 8,942.24 | ||||||||||||||
| Net Loss for Current Collection Period | $ | 173,077.24 | |||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | 0.8323 | % | |||||||||||||||
| Prior and Current Collection Periods Average Loss: | |||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | |||||||||||||||||
| Third Prior Collection Period | 0.1648 | % | |||||||||||||||
| Second Prior Collection Period | 0.4446 | % | |||||||||||||||
| Prior Collection Period | 0.6906 | % | |||||||||||||||
| Current Collection Period | 0.8591 | % | |||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.5398 | % | |||||||||||||||
| Cumulative Loss: | |||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 2,567 | $ | 13,345,540.57 | ||||||||||||||
| (Cumulative Recoveries) | $ | 2,753,900.20 | |||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 10,591,640.37 | |||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.7199 | % | |||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 5,198.89 | |||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 4,126.08 | |||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | |||||||||||||||
| Delinquent Receivables: | |||||||||||||||||
| 31-60 Days Delinquent | 2.21 | % | 213 | $ | 5,175,423.74 | ||||||||||||
| 61-90 Days Delinquent | 0.39 | % | 34 | $ | 912,106.26 | ||||||||||||
| 91-120 Days Delinquent | 0.15 | % | 12 | $ | 358,117.45 | ||||||||||||
| Over 120 Days Delinquent | 0.39 | % | 37 | $ | 902,307.00 | ||||||||||||
| Total Delinquent Receivables | 3.14 | % | 296 | $ | 7,347,954.45 | ||||||||||||
| Repossession Inventory: | |||||||||||||||||
| Repossessed in the Current Collection Period | 17 | $ | 502,981.00 | ||||||||||||||
| Total Repossessed Inventory | 22 | $ | 691,187.44 | ||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | |||||||||||||||||
| Second Prior Collection Period | 0.4551 | % | |||||||||||||||
| Prior Collection Period | 0.5296 | % | |||||||||||||||
| Current Collection Period | 0.5274 | % | |||||||||||||||
| Three Month Average | 0.5040 | % | |||||||||||||||
| 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 | 0.9286 | % | |||||||||||||||
| Delinquency Trigger Occurred | No | ||||||||||||||||
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Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| Collection Period | January 2026 | ||||
| Payment Date | 2/17/2026 | ||||
| Transaction Month | 39 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 65 | $1,557,091.44 | ||||||||||||
| 2 Months Extended | 93 | $2,321,827.14 | ||||||||||||
| 3+ Months Extended | 23 | $695,449.77 | ||||||||||||
| Total Receivables Extended | 181 | $4,574,368.35 | ||||||||||||
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 6, 2026 | ||
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 February 19, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on February 19, 2026 at 14:13 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]