Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | May 2026 |
| Payment Date | 6/15/2026 |
| Transaction Month | 43 | |
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 | | | 4.40285 | % | * | 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 | $ | 688,930.46 | |
| |
| Principal: | |
| Principal Collections | $ | 9,419,092.10 | |
| Prepayments in Full | $ | 2,943,703.30 | |
| Liquidation Proceeds | $ | 279,152.38 | |
| Recoveries | $ | 27,636.58 | |
| Sub Total | $ | 12,669,584.36 | |
| Collections | $ | 13,358,514.82 | |
| |
| Purchase Amounts: | |
| Purchase Amounts Related to Principal | $ | 47,759.69 | |
| Purchase Amounts Related to Interest | $ | 271.67 | |
| Sub Total | $ | 48,031.36 | |
| |
| Clean-up Call | $ | 0.00 | |
| |
| Reserve Account Draw Amount | $ | 0.00 | |
| |
| Available Funds - Total | $ | 13,406,546.18 | |
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | May 2026 |
| Payment Date | 6/15/2026 |
| Transaction Month | 43 | |
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 | | | $ | 13,406,546.18 | |
| Servicing Fee | $ | 155,974.55 | | | $ | 155,974.55 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 13,250,571.63 | |
| Interest - Class A-1 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 13,250,571.63 | |
| Interest - Class A-2a Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 13,250,571.63 | |
| Interest - Class A-2b Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 13,250,571.63 | |
| Interest - Class A-3 Notes | $ | 26,609.88 | | | $ | 26,609.88 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 13,223,961.75 | |
| Interest - Class A-4 Notes | $ | 331,250.00 | | | $ | 331,250.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 12,892,711.75 | |
| First Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 12,892,711.75 | |
| Interest - Class B Notes | $ | 196,742.00 | | | $ | 196,742.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 12,695,969.75 | |
| Second Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 12,695,969.75 | |
| Interest - Class C Notes | $ | 141,581.67 | | | $ | 141,581.67 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 12,554,388.08 | |
| Reserve Account Deposit | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 12,554,388.08 | |
| Regular Principal Payment | $ | 11,604,129.07 | | | $ | 11,604,129.07 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 950,259.01 | |
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 950,259.01 | |
| Residual Released to Depositor | $ | 0.00 | | | $ | 950,259.01 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Total | | | $ | 13,406,546.18 | | | | | | | |
| | | | | | | | | |
| Principal Payment: | | | | | | | | | |
| First Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Second Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Regular Principal Payment | | | | | | | | | $ | 11,604,129.07 | |
| Total | | | | | | | | | $ | 11,604,129.07 | |
| | | | | | | | | |
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 | $ | 6,059,174.77 | | | $ | 13.16 | | | $ | 26,609.88 | | | $ | 0.06 | | | $ | 6,085,784.65 | | | $ | 13.22 | |
| Class A-4 Notes | $ | 5,544,954.30 | | | $ | 73.93 | | | $ | 331,250.00 | | | $ | 4.42 | | | $ | 5,876,204.30 | | | $ | 78.35 | |
| 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 | $ | 11,604,129.07 | | | $ | 8.82 | | | $ | 696,183.55 | | | $ | 0.53 | | | $ | 12,300,312.62 | | | $ | 9.35 | |
| | | | | | | | | | | |
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | May 2026 |
| Payment Date | 6/15/2026 |
| Transaction Month | 43 | |
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 | $ | 6,059,174.77 | | | 0.0131624 | | $ | 0.00 | | | 0.0000000 |
| Class A-4 Notes | $ | 75,000,000.00 | | | 1.0000000 | | $ | 69,455,045.70 | | | 0.9260673 |
| 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 | $ | 146,839,174.77 | | | 0.1115986 | | $ | 135,235,045.70 | | | 0.1027794 |
| | | | | | | | | | | |
| Pool Information | | | |
| Weighted Average APR | 4.712 | % | | 4.754 | % |
| Weighted Average Remaining Term | 23.93 | | 23.26 |
| Number of Receivables Outstanding | 13,964 | | 13,404 |
| Pool Balance | $ | 187,169,465.54 | | | $ | 174,302,633.42 | |
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 173,154,959.32 | | | $ | 161,550,830.25 | |
| Pool Factor | 0.1272153 | | 0.1184700 |
| | | |
VI. OVERCOLLATERALIZATION INFORMATION
| | | | | |
| Specified Reserve Balance | $ | 3,947,367.68 | |
| Yield Supplement Overcollateralization Amount | $ | 12,751,803.17 | |
| Targeted Overcollateralization Amount | $ | 39,067,587.72 | |
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 39,067,587.72 | |
| |
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 | |
| |
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | May 2026 |
| Payment Date | 6/15/2026 |
| Transaction Month | 43 | |
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| | | | | | | | | | | | | | | | | |
| | | # of Receivables | | Amount |
| Current Collection Period Loss: | | | | | |
| Realized Loss (Charge-Offs) | | | 45 | | $ | 177,124.65 | |
| (Recoveries) | | | 87 | | $ | 27,636.58 | |
| Net Loss for Current Collection Period | | | | | $ | 149,488.07 | |
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | | | | | 0.9584 | % |
| | | | | |
| Prior and Current Collection Periods Average Loss: | | | | | |
| | | | | |
| Ratio of Net Loss to the Average Pool Balance (annualized) | | | | | |
| Third Prior Collection Period | | | | | 0.5558 | % |
| Second Prior Collection Period | | 0.6724 | % |
| Prior Collection Period | | | | | 0.9607 | % |
| Current Collection Period | | | | | 0.9925 | % |
| Four Month Average (Current and Prior Three Collection Periods) | | | | | 0.7953 | % |
| | | | | |
| Cumulative Loss: | | | | | |
| Cumulative Realized Loss (Charge-Offs) | | | 2,769 | | $ | 14,107,749.88 | |
| (Cumulative Recoveries) | | | | | $ | 2,987,775.03 | |
| Cumulative Net Loss for All Collection Periods | | | | | $ | 11,119,974.85 | |
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | | | | 0.7558 | % |
| | | | | |
| Average Realized Loss for Receivables that have experienced a Realized Loss | | | | | $ | 5,094.89 | |
| Average Net Loss for Receivables that have experienced a Realized Loss | | | | | $ | 4,015.88 | |
| | | | | |
| % of EOP Pool Balance | | # of Receivables | | Amount |
| Delinquent Receivables: | | | | | |
| 31-60 Days Delinquent | 2.21 | % | | 173 | | $ | 3,849,985.04 | |
| 61-90 Days Delinquent | 0.39 | % | | 29 | | $ | 688,093.83 | |
| 91-120 Days Delinquent | 0.15 | % | | 9 | | $ | 254,535.72 | |
| Over 120 Days Delinquent | 0.48 | % | | 33 | | $ | 832,663.79 | |
| Total Delinquent Receivables | 3.23 | % | | 244 | | $ | 5,625,278.38 | |
|
| Repossession Inventory: | | | | | |
| Repossessed in the Current Collection Period | | | 12 | | $ | 366,584.90 | |
| Total Repossessed Inventory | | | 23 | | $ | 577,863.04 | |
| | | | | |
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | | |
| Second Prior Collection Period | | | | | 0.5409 | % |
| Prior Collection Period | | | | | 0.4583 | % |
| Current Collection Period | | | | | 0.5297 | % |
| Three Month Average | | | | | 0.5096 | % |
| | | | | |
| 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 | | | | | 1.0185 | % |
| Delinquency Trigger Occurred | | | | | No |
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | May 2026 |
| Payment Date | 6/15/2026 |
| Transaction Month | 43 | |
| | | | | | | | | | | | | | |
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount |
| | | | |
| 1 Month Extended | | | 36 | $925,610.30 |
| 2 Months Extended | | | 57 | $1,235,220.20 |
| 3+ Months Extended | | | 13 | $259,170.08 |
| | | | |
| Total Receivables Extended | 106 | $2,420,000.58 |
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