# EDGAR Filing Document

**Accession Number:** 0001951118
**File Stem:** 0001853620-25-000291
**Filing Date:** 2025-11
**Character Count:** 14657
**Document Hash:** 7913216bc3e0f1006a43082fdd418013
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001853620-25-000291.hdr.sgml**: 20251124

**ACCESSION NUMBER**: 0001853620-25-000291

**CONFORMED SUBMISSION TYPE**: 10-D

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20251117

**FILED AS OF DATE**: 20251124

**DATE AS OF CHANGE**: 20251124

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Mercedes-Benz Auto Receivables Trust 2022-1
- **CENTRAL INDEX KEY:** 0001951118
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-D
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-266303-01
- **FILM NUMBER:** 251510614

**BUSINESS ADDRESS:**
- **STREET 1:** 35555 W. TWELVE MILE RD.
- **STREET 2:** SUITE 100
- **CITY:** FARMINGTON HILLS
- **STATE:** MI
- **ZIP:** 48331
- **BUSINESS PHONE:** (248) 991-6700

**MAIL ADDRESS:**
- **STREET 1:** 35555 W. TWELVE MILE RD.
- **STREET 2:** SUITE 100
- **CITY:** FARMINGTON HILLS
- **STATE:** MI
- **ZIP:** 48331

---

| |
|:---|
| **UNITED STATES** |
| **SECURITIES AND EXCHANGE COMMISSION** |
| **Washington, D.C. 20549** |

---

**FORM 10-D**

---

| |
|:---|
| **ASSET-BACKED ISSUER** |
| **DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF** |
| **THE SECURITIES EXCHANGE ACT OF 1934** |

---

For the monthly distribution period from <br> October 01, 2025 to October 31, 2025

Commission File Number of issuing entity: 333-266303-01

Central Index Key Number of issuing entity: 0001951118

---

| |
|:---|
| **<u>Mercedes-Benz Auto Receivables Trust 2022-1</u>** |
| (Exact name of issuing entity as specified in its charter) |

---

Commission File Number of depositor: 333-266303

Central Index Key Number of depositor: 0001463814

---

| |
|:---|
| **<u>Mercedes-Benz Retail Receivables LLC</u>** |
| (Exact name of depositor as specified in its charter) |

---

Central Index Key Number of sponsor: 0001540252

---

| |
|:---|
| **Mercedes-Benz Financial Services USA LLC** |
| (Exact name of sponsor as specified in its charter) |

---

<u>State of Delaware</u> <br> (State or other jurisdiction of incorporation or organization of the issuing entity)

<u>88-6635680</u> <br> (I.R.S. Employer Identification No.)

---

| |
|:---|
| 35555 W. Twelve Mile Rd. |
| Suite 100 |
| <u>Farmington Hills, Michigan</u> |
| (Address of principal executive offices of issuing entity) |

---

<u>48331</u> <br> (Zip Code)

<u>(248) 991-6700</u> <br> (Telephone number, including area code)

<u>N.A.</u> <br> (Former name, former address, if changed since last report)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Registered/reporting pursuant to (check one) | Registered/reporting pursuant to (check one) | Registered/reporting pursuant to (check one) | Registered/reporting pursuant to (check one) | Registered/reporting pursuant to (check one) | Registered/reporting pursuant to (check one) |
| | | | | | Name of exchange |
|  | <u>Title of Class</u> | <u>Section 12(b)</u> | <u>Section 12(g)</u> | <u>Section 15(d)</u> | <u>(If Section 12(b))</u> |
|  | Class A-2 Asset Backed Notes | ☐ | ☐ | ☒ | <u> </u> |
|  | Class A-3 Asset Backed Notes | ☐ | ☐ | ☒ | <u> </u> |
|  | Class A-4 Asset Backed Notes | ☐ | ☐ | ☒ | <u> </u> |

---

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities and Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days? Yes ☒ No ☐

PART I - DISTRIBUTION INFORMATION

Item 1. Distribution and Pool Performance Information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On November 17, 2025 a distribution was made to holders of notes of the issuing entity. The distribution report for this distribution is attached to this Form 10-D as Exhibit 99.1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No assets held by issuing entity were the subject of a demand to repurchase or replace for breach of the representations and warranties during the period from October 01, 2025 to October 31, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reference is made to the Form ABS – 15G filed by Mercedes-Benz Financial Services USA LLC with the Securities and Exchange Commission on February 05, 2025, and to the information reported for the period indicated in the report regarding any repurchase requests across all trusts for which Mercedes-Benz Financial Services USA LLC is a securitizer (as that term is defined in Section 15G(a) of the Securities Exchange Act of 1934). The CIK number of Mercedes-Benz Financial Services USA LLC is 0001540252.

Item 1A. Asset-Level Information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Asset-level data for the reporting period covered by this Form 10-D is included in Exhibit 102 to the Form ABS-EE filed by the issuing entity with the Securities and Exchange Commission on November 21, 2025 (the "Form ABS-EE") and is incorporated by reference into this Form 10-D. Additional asset-level information or explanatory language is included in Exhibit 103 to the Form ABS-EE and is also incorporated by reference into this Form 10-D.

PART II - OTHER INFORMATION

Item 10. Exhibits.

Exhibit <br> <u>No.</u> <u>Description of Exhibit</u> <br> 99.1 [Distribution report of the issuing entity](mbart20221.htm)

102 [Asset Data File (Exhibit 102 to Form ABS-EE filed by the issuing entity on November 21, 2025)](http://www.sec.gov/Archives/edgar/data/1463814/000119312525290732/mbart221ex102_1117-1043.xml)

103 [Asset Related Document (Exhibit 103 to Form ABS-EE filed by the issuing entity on November 21, 2025)](http://www.sec.gov/Archives/edgar/data/1463814/000119312525290732/mbart221ex103_1117-1042.xml)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 Mercedes-Benz Auto Receivables Trust 2022-1 <br> (Issuing Entity)

 By: Mercedes-Benz Financial Services USA LLC <br> (Servicer)

---

| | |
|:---|:---|
| Date: November 24, 2025 | <u>By: /s/ Steven C. Poling</u> |
|  | Steven C. Poling |
|  | Assistant Secretary |

---

**EXHIBIT INDEX**

Exhibit <br> <u>No.</u> <u>Description of Exhibit</u> <br> 99.1 [Distribution report of the issuing entity](mbart20221.htm)

102 [Asset Data File (Exhibit 102 to Form ABS-EE filed by the issuing entity on November 21, 2025)](http://www.sec.gov/Archives/edgar/data/1463814/000119312525290732/mbart221ex102_1117-1043.xml)

103 [Asset Related Document (Exhibit 103 to Form ABS-EE filed by the issuing entity on November 21, 2025)](http://www.sec.gov/Archives/edgar/data/1463814/000119312525290732/mbart221ex103_1117-1042.xml)

## Exhibit 99.1

------

#### Mercedes-Benz

#### Auto Receivables

#### T

#### rust 2022-1
Investor Report

Collection Period Ended

31-Oct-2025

Dates

Collection Period No.

Page 1 of 5

Amounts in USD

Collection Period (from... to)

Determination Date

Record Date

Distribution Date

Interest Period of the Class A-1 Notes (from... to)

Interest Period of the Class A-2, A-3 and A-4 Notes (from... to)

1-Oct-2025

13-Nov-2025

14-Nov-2025

17-Nov-2025

15-Oct-2025

15-Oct-2025

31-Oct-2025

17-Nov-2025

15-Nov-2025

Actual/360 Days

30/360 Days

Summary

Class A-1

Notes

Class A-2

Notes

Class A-3

Notes

Class A-4 Notes

#### T

#### otal Note Balance
Initial

Balance

393,170,000.00

693,000,000.00

657,000,000.00

124,000,000.00

1,867,170,000.00

Beginning

Balance

0.00 0.00 161,300,330.16

124,000,000.00

285,300,330.16

Ending

Balance

0.00 0.00 137,520,971.03

124,000,000.00

261,520,971.03

Principal

Payment

0.00 0.00 23,779,359.13

0.00 23,779,359.13

Principal per $1000

Face Amount

0.000000 0.000000 36.193850 0.000000 Note

Factor

0.000000 0.000000 0.209317 1.000000 Overcollateralization

Adjusted Pool Balance

Y

ield Supplement Overcollateralization Amount

Pool Balance

Initial

Overcollateralization

Amount

T

arget

Overcollateralization

Amount

Current Overcollateralization Amount

Class A-1

Notes

Class A-2

Notes

Class A-3

Notes

Class A-4 Notes

#### T

#### otal
47,871,393.47

1,915,041,393.47

221,029,289.69

2,136,070,683.16

Amount

47,871,393.47

47,876,034.84

47,876,034.84

Interest Rate

0.000000%

5.260000%

5.210000%

5.250000%

47,876,034.84

333,176,365.00

32,663,660.29

365,840,025.29

Percentage

2.50%

2.50%

2.50%

Interest Payment

0.00 0.00 700,312.27

542,500.00

$1,242,812.27

47,876,034.84

309,397,005.87

29,991,989.32

339,388,995.19

Interest per

$1000 Face

Amount

0.000000 0.000000 1.065924 4.375000 Interest & Principal

Payment

0.00 0.00 24,479,671.40

542,500.00

$25,022,171.40

Interest & Principal Payment

per $1000 Face Amount

0.000000 0.000000 37.259774 4.375000 ------

#### Mercedes-Benz

#### Auto Receivables

#### T

#### rust 2022-1
Investor Report

Collection Period Ended

31-Oct-2025

#### A

#### vailable Funds
Principal Collections

Interest Collections

Net Liquidation Proceeds

Recoveries

25,015,487.58

1,454,788.95

449,817.22

747,111.51

Distributions

(1) T

otal Servicing Fee

Nonrecoverable Advances to the Servicer

(2) T

otal Trustee Fees and any Asset Representations Reviewer

fees (max. $250,000 p.a.)

Page 2 of 5

Amounts in USD

304,866.69

0.00 0.00 Purchase Amounts

Advances made by the Servicer

Investment Earnings

#### A

#### vailable Collections
Reserve Fund Draw Amount

#### A

#### vailable Funds
29,586.18

0.00 98,314.39

27,795,105.83

0.00 27,795,105.83

(3) Interest Distributable Amount Class

A Notes

(4) Priority Principal Distributable Amount

(5) T

o Reserve Fund to reach the Reserve Fund Required Amount

(6) Regular Principal Distributable Amount

(7) Additional Servicing Fee and Transition Costs

(8) T

otal Trustee Fees and any Asset Representations Reviewer

fees [not previously paid under (2)]

(9) Excess Collections to Certificateholders

#### T

#### otal Distribution
1,242,812.27

0.00 0.00 23,779,359.13

0.00 0.00 2,468,067.74

27,795,105.83

Distribution Detail

T

otal Servicing Fee

T

otal Trustee Fee

Monthly Interest Distributable Amount

thereof on Class A-1 Notes

thereof on Class A-2 Notes

thereof on Class A-3 Notes

thereof on Class A-4 Notes

Interest Carryover Shortfall Amount

thereof on Class A-1 Notes

thereof on Class A-2 Notes

thereof on Class A-3 Notes

thereof on Class A-4 Notes

Interest Distributable Amount Class A

Notes

Priority Principal Distributable Amount

Regular Principal Distributable Amount

Aggregate Principal Distributable Amount

Due

304,866.69

0.00 1,242,812.27

0.00 0.00 700,312.27

542,500.00

0.00 0.00 0.00 0.00 0.00 1,242,812.27

0.00 23,779,359.13

23,779,359.13

Paid

304,866.69

0.00 1,242,812.27

0.00 0.00 700,312.27

542,500.00

0.00 0.00 0.00 0.00 0.00 1,242,812.27

0.00 23,779,359.13

23,779,359.13

Shortfall

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ------

#### Mercedes-Benz

#### Auto Receivables

#### T

#### rust 2022-1
Investor Report

Collection Period Ended

31-Oct-2025

Page 3 of 5

Amounts in USD

Reserve Fund and Investment Earnings

Reserve Fund

Reserve Fund Required Amount

Reserve Fund Amount - Beginning Balance

plus/minus change to meet Reserve Fund Required Amount

plus Net Investment Earnings for the Collection Period

minus Net Investment Earnings

minus Reserve Fund Draw Amount

Reserve Fund Amount - Ending Balance

Reserve Fund Deficiency

Investment Earnings

Net Investment Earnings on the Reserve Fund

Net Investment Earnings on the Collection Account

Investment Earnings for the Collection Period

4,787,603.48

4,787,603.48

0.00 15,167.89

15,167.89

0.00 4,787,603.48

0.00 15,167.89

83,146.50

98,314.39

Notice to Investors

------

#### Mercedes-Benz

#### Auto Receivables

#### T

#### rust 2022-1
Investor Report

Collection Period Ended

31-Oct-2025

Pool Statistics

Page 4 of 5

Amounts in USD

Pool Data

Cutoff Date Pool Balance

Pool Balance beginning of Collection Period

Principal Collections

Principal Collections attributable to Full Pay-offs

Principal Purchase Amounts

Principal Gross Losses

Pool Balance end of Collection Period

Pool Factor

W

eighted

A

verage APR

W

eighted

A

verage Number of Remaining Payments

W

eighted

A

verage Seasoning (months)

Amount

2,136,070,683.16

365,840,025.29

17,259,703.77

7,755,783.81

29,269.97

1,406,272.55

339,388,995.19

15.89%

As of Cutoff Date

4.40%

53.57 13.45 Number of Receivables

55,476

21,863

21,020

Current

4.77%

23.04 47.85 ------

#### Mercedes-Benz

#### Auto Receivables

#### T

#### rust 2022-1
Investor Report

Collection Period Ended

31-Oct-2025

Delinquency Profile

Page 5 of 5

Amounts in USD

Delinquency Profile

(1) Current

31-60

Days

Delinquent

61-90

Days

Delinquent

91-120 Days Delinquent

T

otal

Amount

330,135,563.89

6,708,310.90

1,974,009.77

571,110.63

339,388,995.19

Number of Receivables

20,663

21,020

Percentage

97.27%

1.98%

0.58%

0.17%

100.00%

#### Delinquency

#### T

#### rigger
60+ Delinquency Loans to EOP Aggregate Securitization

V

alue

Delinquency Trigger occurred

3.550%

0.750%

No

(1) A receivable is not considered delinquent if the amount past due is less than

10% of the payment due under such receivable

Loss Statistics

#### Current

#### Cumulative
Losses

(1) Principal Gross Losses

Principal Net Liquidation Proceeds

Principal Recoveries

Principal Net Loss / (Gain)

Amount

1,406,272.55

445,411.71

729,022.16

231,838.68

Number of Receivables

Amount

83,185,146.70

27,671,318.99

27,292,288.55

28,221,539.16

Number of Receivables

2,514

#### Principal Net Loss / (Gain) as % of

#### A

#### verage Pool Balance (annualized):
Current Collection Period

Prior Collection Period

Second Prior Collection Period

Third Prior Collection Period

Four Month

A

verage

Cumulative Principal Net Loss / (Gain) as % of Cutoff Date Pool Balance

#### A

#### verage Net Loss / (Gain)
0.789%

(0.028%)

0.160 %

(0.592%)

0.082%

1.321%

11,225.75

(1) Losses include accounts that have been charged off with a balance remaining of less than

$50. These accounts are excluded in the Number of Receivables count as they are not

considered a charge-off

#### on a defaulted loan
.

### Attached PDF Documents

**Attachment 1:** `mbart20221.pdf`

_No text found in this document._