Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | August 2026 |
| Payment Date | 9/15/2026 |
| Transaction Month | 46 | |
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 | | | 4.39650 | % | * | 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 | $ | 577,678.56 | |
| |
| Principal: | |
| Principal Collections | $ | 8,364,778.39 | |
| Prepayments in Full | $ | 3,172,079.03 | |
| Liquidation Proceeds | $ | 252,916.23 | |
| Recoveries | $ | 61,656.45 | |
| Sub Total | $ | 11,851,430.10 | |
| Collections | $ | 12,429,108.66 | |
| |
| Purchase Amounts: | |
| Purchase Amounts Related to Principal | $ | 99,489.12 | |
| Purchase Amounts Related to Interest | $ | 490.17 | |
| Sub Total | $ | 99,979.29 | |
| |
| Clean-up Call | $ | 135,448,495.37 | |
| |
| Reserve Account Draw Amount | $ | 3,947,367.68 | |
| |
| Available Funds - Total | $ | 151,924,951.00 | |
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | August 2026 |
| Payment Date | 9/15/2026 |
| Transaction Month | 46 | |
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 | | | $ | 151,924,951.00 | |
| Servicing Fee | $ | 122,991.21 | | | $ | 122,991.21 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,801,959.79 | |
| Interest - Class A-1 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,801,959.79 | |
| Interest - Class A-2a Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,801,959.79 | |
| Interest - Class A-2b Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,801,959.79 | |
| Interest - Class A-3 Notes | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,801,959.79 | |
| Interest - Class A-4 Notes | $ | 198,865.39 | | | $ | 198,865.39 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,603,094.40 | |
| First Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,603,094.40 | |
| Interest - Class B Notes | $ | 196,742.00 | | | $ | 196,742.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,406,352.40 | |
| Second Priority Principal Payment | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,406,352.40 | |
| Interest - Class C Notes | $ | 141,581.67 | | | $ | 141,581.67 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,264,770.73 | |
| Reserve Account Deposit | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 151,264,770.73 | |
| Regular Principal Payment | $ | 110,806,127.01 | | | $ | 110,806,127.01 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 40,458,643.72 | |
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 40,458,643.72 | |
| Residual Released to Depositor | $ | 0.00 | | | $ | 40,458,643.72 | | | $ | 0.00 | | | $ | 0.00 | | | $ | 0.00 | |
| Total | | | $ | 151,924,951.00 | | | | | | | |
| | | | | | | | | |
| Principal Payment: | | | | | | | | | |
| First Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Second Priority Principal Payment | | | | | | | | | $ | 0.00 | |
| Regular Principal Payment | | | | | | | | | $ | 110,806,127.01 | |
| Total | | | | | | | | | $ | 110,806,127.01 | |
| | | | | | | | | |
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 | $ | 45,026,127.01 | | | $ | 600.35 | | | $ | 198,865.39 | | | $ | 2.65 | | | $ | 45,224,992.40 | | | $ | 603.00 | |
| Class B Notes | $ | 39,480,000.00 | | | $ | 1,000.00 | | | $ | 196,742.00 | | | $ | 4.98 | | | $ | 39,676,742.00 | | | $ | 1,004.98 | |
| Class C Notes | $ | 26,300,000.00 | | | $ | 1,000.00 | | | $ | 141,581.67 | | | $ | 5.38 | | | $ | 26,441,581.67 | | | $ | 1,005.38 | |
| Total | $ | 110,806,127.01 | | | $ | 84.21 | | | $ | 537,189.06 | | | $ | 0.41 | | | $ | 111,343,316.07 | | | $ | 84.62 | |
| | | | | | | | | | | |
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | August 2026 |
| Payment Date | 9/15/2026 |
| Transaction Month | 46 | |
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 | $ | 45,026,127.01 | | | 0.6003484 | | $ | 0.00 | | | 0.0000000 |
| Class B Notes | $ | 39,480,000.00 | | | 1.0000000 | | $ | 0.00 | | | 0.0000000 |
| Class C Notes | $ | 26,300,000.00 | | | 1.0000000 | | $ | 0.00 | | | 0.0000000 |
| Total | $ | 110,806,127.01 | | | 0.0842133 | | $ | 0.00 | | | 0.0000000 |
| | | | | | | | | | | |
| Pool Information | | | |
| Weighted Average APR | 4.853 | % | | 4.899 | % |
| Weighted Average Remaining Term | 22.10 | | 21.50 |
| Number of Receivables Outstanding | 12,026 | | 11,376 |
| Pool Balance | $ | 147,589,456.61 | | | $ | 135,448,495.37 | |
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 137,121,911.56 | | | $ | 126,006,629.06 | |
| Pool Factor | 0.1003136 | | 0.0920616 |
| | | |
VI. OVERCOLLATERALIZATION INFORMATION
| | | | | |
| Specified Reserve Balance | $ | 3,947,367.68 | |
| Yield Supplement Overcollateralization Amount | $ | 9,441,866.31 | |
| Targeted Overcollateralization Amount | $ | 35,757,650.86 | |
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 135,448,495.37 | |
| |
VII. RECONCILIATION OF RESERVE ACCOUNT
| | | | | |
| Beginning Reserve Account Balance | $ | 3,947,367.68 | |
| Reserve Account Deposits Made | $ | 0.00 | |
| Reserve Account Draw Amount | $ | 3,947,367.68 | |
| Ending Reserve Account Balance | $ | 0.00 | |
| Change in Reserve Account Balance | $ | (3,947,367.68) | |
| Specified Reserve Balance | $ | 3,947,367.68 | |
| |
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | August 2026 |
| Payment Date | 9/15/2026 |
| Transaction Month | 46 | |
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| | | | | | | | | | | | | | | | | |
| | | # of Receivables | | Amount |
| Current Collection Period Loss: | | | | | |
| Realized Loss (Charge-Offs) | | | 60 | | $ | 251,698.47 | |
| (Recoveries) | | | 92 | | $ | 61,656.45 | |
| Net Loss for Current Collection Period | | | | | $ | 190,042.02 | |
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | | | | | 1.5452 | % |
| | | | | |
| Prior and Current Collection Periods Average Loss: | | | | | |
| | | | | |
| Ratio of Net Loss to the Average Pool Balance (annualized) | | | | | |
| Third Prior Collection Period | | | | | 0.9925 | % |
| Second Prior Collection Period | | 0.5988 | % |
| Prior Collection Period | | | | | 0.9096 | % |
| Current Collection Period | | | | | 1.6114 | % |
| Four Month Average (Current and Prior Three Collection Periods) | | | | | 1.0281 | % |
| | | | | |
| Cumulative Loss: | | | | | |
| Cumulative Realized Loss (Charge-Offs) | | | 2,951 | | $ | 14,790,190.73 | |
| (Cumulative Recoveries) | | | | | $ | 3,279,825.55 | |
| Cumulative Net Loss for All Collection Periods | | | | | $ | 11,510,365.18 | |
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | | | | 0.7823 | % |
| | | | | |
| Average Realized Loss for Receivables that have experienced a Realized Loss | | | | | $ | 5,011.93 | |
| Average Net Loss for Receivables that have experienced a Realized Loss | | | | | $ | 3,900.50 | |
| | | | | |
| % of EOP Pool Balance | | # of Receivables | | Amount |
| Delinquent Receivables: | | | | | |
| 31-60 Days Delinquent | 2.61 | % | | 175 | | $ | 3,532,792.26 | |
| 61-90 Days Delinquent | 0.43 | % | | 26 | | $ | 585,792.26 | |
| 91-120 Days Delinquent | 0.06 | % | | 6 | | $ | 84,681.64 | |
| Over 120 Days Delinquent | 0.58 | % | | 38 | | $ | 789,686.09 | |
| Total Delinquent Receivables | 3.69 | % | | 245 | | $ | 4,992,952.25 | |
|
| Repossession Inventory: | | | | | |
| Repossessed in the Current Collection Period | | | 11 | | $ | 223,723.60 | |
| Total Repossessed Inventory | | | 20 | | $ | 496,619.09 | |
| | | | | |
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | | |
| Second Prior Collection Period | | | | | 0.5823 | % |
| Prior Collection Period | | | | | 0.6236 | % |
| Current Collection Period | | | | | 0.6153 | % |
| Three Month Average | | | | | 0.6071 | % |
| | | | | |
| 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 | | | | | 1.0780 | % |
| Delinquency Trigger Occurred | | | | | No |
Ford Credit Auto Owner Trust 2022-D
Monthly Investor Report
| | | | | |
| Collection Period | August 2026 |
| Payment Date | 9/15/2026 |
| Transaction Month | 46 | |
| | | | | | | | | | | | | | |
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount |
| | | | |
| 1 Month Extended | | | 42 | $873,064.64 | |
| 2 Months Extended | | | 44 | $955,231.95 | |
| 3+ Months Extended | | | 19 | $448,812.33 | |
| | | | |
| Total Receivables Extended | 105 | $2,277,108.92 | |
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