Ford Credit Auto Owner Trust 2022-B
12/18/2025 | Press release | Distributed by Public on 12/18/2025 06:44
Asset-Backed Issuer Distribution Report (Form 10-D)
Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 42 | ||||
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 | 4.74202 | % | * | 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 | $ | 392,389.26 | |||
| Principal: | |||||
| Principal Collections | $ | 7,815,036.02 | |||
| Prepayments in Full | $ | 2,597,138.34 | |||
| Liquidation Proceeds | $ | 155,019.56 | |||
| Recoveries | $ | 60,235.91 | |||
| Sub Total | $ | 10,627,429.83 | |||
| Collections | $ | 11,019,819.09 | |||
| Purchase Amounts: | |||||
| Purchase Amounts Related to Principal | $ | 42,194.05 | |||
| Purchase Amounts Related to Interest | $ | 150.92 | |||
| Sub Total | $ | 42,344.97 | |||
| Clean-up Call | $ | 0.00 | |||
| Reserve Account Draw Amount | $ | 0.00 | |||
| Available Funds - Total | $ | 11,062,164.06 | |||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 42 | ||||
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 | $ | 11,062,164.06 | |||||||||||||||||||
| Servicing Fee | $ | 131,487.74 | $ | 131,487.74 | $ | 0.00 | $ | 0.00 | $ | 10,930,676.32 | |||||||||||||||||||
| Interest - Class A-1 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,930,676.32 | |||||||||||||||||||
| Interest - Class A-2a Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,930,676.32 | |||||||||||||||||||
| Interest - Class A-2b Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,930,676.32 | |||||||||||||||||||
| Interest - Class A-3 Notes | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,930,676.32 | |||||||||||||||||||
| Interest - Class A-4 Notes | $ | 236,575.66 | $ | 236,575.66 | $ | 0.00 | $ | 0.00 | $ | 10,694,100.66 | |||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,694,100.66 | |||||||||||||||||||
| Interest - Class B Notes | $ | 118,688.17 | $ | 118,688.17 | $ | 0.00 | $ | 0.00 | $ | 10,575,412.49 | |||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,575,412.49 | |||||||||||||||||||
| Interest - Class C Notes | $ | 85,077.08 | $ | 85,077.08 | $ | 0.00 | $ | 0.00 | $ | 10,490,335.41 | |||||||||||||||||||
| Reserve Account Deposit | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 10,490,335.41 | |||||||||||||||||||
| Regular Principal Payment | $ | 9,699,284.34 | $ | 9,699,284.34 | $ | 0.00 | $ | 0.00 | $ | 791,051.07 | |||||||||||||||||||
| Additional Trustee and Other Fees/Expenses | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 0.00 | $ | 791,051.07 | |||||||||||||||||||
| Residual Released to Depositor | $ | 0.00 | $ | 791,051.07 | $ | 0.00 | $ | 0.00 | $ | 0.00 | |||||||||||||||||||
| Total | $ | 11,062,164.06 | |||||||||||||||||||||||||||
| Principal Payment: | |||||||||||||||||||||||||||||
| First Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Second Priority Principal Payment | $ | 0.00 | |||||||||||||||||||||||||||
| Regular Principal Payment | $ | 9,699,284.34 | |||||||||||||||||||||||||||
| Total | $ | 9,699,284.34 | |||||||||||||||||||||||||||
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 | $ | 9,699,284.34 | $ | 92.55 | $ | 236,575.66 | $ | 2.26 | $ | 9,935,860.00 | $ | 94.81 | |||||||||||||||||||||||
| 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 | $ | 9,699,284.34 | $ | 9.21 | $ | 440,340.91 | $ | 0.42 | $ | 10,139,625.25 | $ | 9.63 | |||||||||||||||||||||||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 42 | ||||
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 | $ | 72,236,844.25 | 0.6892830 | $ | 62,537,559.91 | 0.5967324 | |||||||||||||||||
| 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 | $ | 124,866,844.25 | 0.1186237 | $ | 115,167,559.91 | 0.1094093 | |||||||||||||||||
| Pool Information | |||||||||||
| Weighted Average APR | 3.206 | % | 3.230 | % | |||||||
| Weighted Average Remaining Term | 22.44 | 21.73 | |||||||||
| Number of Receivables Outstanding | 12,689 | 12,250 | |||||||||
| Pool Balance | $ | 157,785,287.17 | $ | 146,995,006.46 | |||||||
| Adjusted Pool Balance (Pool Balance - YSOC Amount) | $ | 145,919,478.67 | $ | 136,220,194.33 | |||||||
| Pool Factor | 0.1344664 | 0.1252708 | |||||||||
VI. OVERCOLLATERALIZATION INFORMATION
| Specified Reserve Balance | $ | 2,631,579.30 | |||
| Yield Supplement Overcollateralization Amount | $ | 10,774,812.13 | |||
| Targeted Overcollateralization Amount | $ | 31,827,446.55 | |||
| Actual Overcollateralization Amount (EOP Pool Balance - EOP Note Balance) | $ | 31,827,446.55 | |||
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 | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 42 | ||||
VIII. NET LOSS AND DELINQUENT RECEIVABLES
| # of Receivables | Amount | ||||||||||||||||
| Current Collection Period Loss: | |||||||||||||||||
| Realized Loss (Charge-Offs) | 32 | $ | 180,892.74 | ||||||||||||||
| (Recoveries) | 64 | $ | 60,235.91 | ||||||||||||||
| Net Loss for Current Collection Period | $ | 120,656.83 | |||||||||||||||
| Ratio of Net Loss for Current Collection Period to Beginning of Period Pool Balance (annualized) | 0.9176 | % | |||||||||||||||
| Prior and Current Collection Periods Average Loss: | |||||||||||||||||
| Ratio of Net Loss to the Average Pool Balance (annualized) | |||||||||||||||||
| Third Prior Collection Period | 0.3320 | % | |||||||||||||||
| Second Prior Collection Period | 0.3631 | % | |||||||||||||||
| Prior Collection Period | 0.6500 | % | |||||||||||||||
| Current Collection Period | 0.9501 | % | |||||||||||||||
| Four Month Average (Current and Prior Three Collection Periods) | 0.5738 | % | |||||||||||||||
| Cumulative Loss: | |||||||||||||||||
| Cumulative Realized Loss (Charge-Offs) | 1,858 | $ | 8,291,869.08 | ||||||||||||||
| (Cumulative Recoveries) | $ | 2,079,084.37 | |||||||||||||||
| Cumulative Net Loss for All Collection Periods | $ | 6,212,784.71 | |||||||||||||||
| Ratio of Cumulative Net Loss for all Collection Periods to Initial Pool Balance | 0.5295 | % | |||||||||||||||
| Average Realized Loss for Receivables that have experienced a Realized Loss | $ | 4,462.79 | |||||||||||||||
| Average Net Loss for Receivables that have experienced a Realized Loss | $ | 3,343.80 | |||||||||||||||
| % of EOP Pool Balance | # of Receivables | Amount | |||||||||||||||
| Delinquent Receivables: | |||||||||||||||||
| 31-60 Days Delinquent | 1.99 | % | 167 | $ | 2,924,363.47 | ||||||||||||
| 61-90 Days Delinquent | 0.28 | % | 20 | $ | 405,498.36 | ||||||||||||
| 91-120 Days Delinquent | 0.08 | % | 4 | $ | 110,636.91 | ||||||||||||
| Over 120 Days Delinquent | 0.25 | % | 17 | $ | 361,139.18 | ||||||||||||
| Total Delinquent Receivables | 2.59 | % | 208 | $ | 3,801,637.92 | ||||||||||||
| Repossession Inventory: | |||||||||||||||||
| Repossessed in the Current Collection Period | 3 | $ | 71,671.57 | ||||||||||||||
| Total Repossessed Inventory | 7 | $ | 152,607.86 | ||||||||||||||
| Number of 61+ Delinquent Receivables to EOP Number of Outstanding Receivables: | |||||||||||||||||
| Second Prior Collection Period | 0.4026 | % | |||||||||||||||
| Prior Collection Period | 0.3231 | % | |||||||||||||||
| Current Collection Period | 0.3347 | % | |||||||||||||||
| Three Month Average | 0.3535 | % | |||||||||||||||
| 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 | 0.5968 | % | |||||||||||||||
| Delinquency Trigger Occurred | No | ||||||||||||||||
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Ford Credit Auto Owner Trust 2022-B
Monthly Investor Report
| Collection Period | November 2025 | ||||
| Payment Date | 12/15/2025 | ||||
| Transaction Month | 42 | ||||
| Receivables Granted Extensions in the Current Collection Period: | # of Receivables | Amount | ||||||||||||
| 1 Month Extended | 33 | $632,657.21 | ||||||||||||
| 2 Months Extended | 71 | $1,463,848.59 | ||||||||||||
| 3+ Months Extended | 15 | $317,687.54 | ||||||||||||
| Total Receivables Extended | 119 | $2,414,193.34 | ||||||||||||
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 December 18, 2025, and is solely responsible for the information contained herein. Distributed via Edgar on December 18, 2025 at 12:44 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]