**UNITED STATESSECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 10-K**

(Mark One)

**x****  ANNUAL REPORT PURSUANT TO SECTION13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

**For the fiscal year ended December 31, 2019or**

**o**** ****TRANSITIONREPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

**For the transition period from _____ to _____Commission file number of the issuing entity: 333-226486-10**

**Central Index Key Number of the issuing entity:0001789307**

**BANK 2019-BNK22**

**(exact name of the issuing entity as specified in itscharter)**

** **

**Central Index Key Number of the depositor: 0000850779**

**Wells Fargo Commercial MortgageSecurities, Inc.**

**(exact name of the depositor as specified in itscharter)**

** **

**Central Index Key Number of the sponsor: 0000740906**

**Wells Fargo Bank, NationalAssociation**

**(exact name of the sponsor as specified in its charter)**

** **

**Central Index Key Number of the sponsor: 0001102113**

**Bank of America, NationalAssociation**

**(exact name of the sponsor as specified in its charter)**

** **

**Central Index Key Number of the sponsor: 0001541557**

**Morgan Stanley Mortgage CapitalHoldings LLC**

**(exact name of the sponsor as specified in its charter)**

** **

**Central Index Key Number of the sponsor: 0001577313**

**National Cooperative Bank, N.A.**

**(exact name of the sponsor as specified in its charter)**

** **

| **New York****(State or other jurisdiction of  incorporation or organization of**

**the issuing entity)** | **38-4128790**

**38-4128791**

**38-7235611**

**(I.R.S. Employer**

**Identification Numbers)** |
|------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------|

**c/o Wells Fargo Bank, National Association**

**as Certificate Administrator**

**9062 Old Annapolis Road**

**Columbia, MD**

**(Address of principalexecutive offices of the issuing entity)**

**21045**

**(Zip Code)**

**Registrant’s telephone number,including area code:**

**(704) 374-6161**

Securities registered pursuant to Section 12(b) of the Act:

| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
|---------------------|-------------------|-------------------------------------------|
| None                |              |                                      |

Securities registered pursuant to Section 12(g) of theAct:  None.

Indicate by check mark if the registrant is a well-knownseasoned issuer, as defined in Rule 405 of the Securities Act.  o Yes ⌧No

Indicate by check mark if the registrant is not required tofile reports pursuant to Section 13 or Section 15(d) of the Act.  o Yes ⌧No

Indicate by check mark whether the registrant (1) has filedall reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter periodthat the registrant was required to file such reports), and (2) has beensubject to such filing requirements for the past 90 days.  ⌧ Yes oNo

Indicate by check mark whether the registrant has submittedelectronically and posted on its corporate Web site, if any, every InteractiveData File required to be submitted and posted pursuant to Rule 405 ofRegulation S-T (Section 232.405 of this chapter) during the preceding 12 months(or for such shorter period that the registrant was required to submit and postsuch files).

Not applicable.

Indicate by check mark if disclosure of delinquent filerspursuant to Item 405 of Regulation S-K (Section 229.405 of this chapter) is notcontained herein, and will not be contained, to the best of registrant’sknowledge, in definitive proxy or information statements incorporated byreference in Part III of this Form 10-K or any amendment to this Form10-K.   

Not applicable.

Indicate by check mark whether the registrant is a largeaccelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of “largeaccelerated filer,” “accelerated filer,” “smaller reporting company,” and“emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer       o                                       Acceleratedfiler                                                                        o

Non-acceleratedfiler         ⌧  (Do not check if a smaller reportingcompany)                                       Smaller reportingcompany                                                        o

                                                                              Emerging growth company                                                        o

If an emerging growth company, indicate by check mark if theregistrant has elected not to use the extended transition period for complyingwith any new or revised financial accounting standards provided pursuant toSection 13(a) of the Exchange Act.  o

Indicate by check mark whether the registrant is a shellcompany (as defined in Rule 12b-2 of the Act).  o Yes ⌧ No

State the aggregate market value of the voting and non-votingcommon equity held by non-affiliates computed by reference to the price atwhich the common equity was last sold, or the average bid and asked price ofsuch common equity, as of the last business day of the registrant’s mostrecently completed second fiscal quarter.

Not applicable.

Indicate by check mark whether the registrant has filed alldocuments and reports required to be filed by Section 12, 13 or 15(d) of theSecurities Exchange Act of 1934 subsequent to the distribution of securitiesunder a plan confirmed by a court.  oYes oNo

Not applicable.

Indicate the number of shares outstanding of each of theregistrant’s classes of common stock, as of the latest practicable date.

Not applicable.

**DOCUMENTS INCORPORATED BY REFERENCE**

** **

List hereunder the following documents if incorporated byreference and the Part of the Form 10-K (e.g., Part I, Part II, etc.) intowhich the document is incorporated: (1) Any annual report to security holders;(2) Any proxy or information statement; and (3) Any prospectus filed pursuantto Rule 424(b) or (c) under the Securities Act of 1933. The listed documentsshould be clearly described for identification purposes (e.g., annual report tosecurity holders for fiscal year ended December 24, 1980).

Not applicable.

 

** **

**EXPLANATORY NOTES**

The Exhibit Index describesexhibits provided by certain parties (in their capacities indicated on theExhibit Index) with respect to the Park Tower at Transbay Mortgage Loan, the230 Park Avenue South Mortgage Loan, the Storage Post Portfolio Mortgage Loan,the Tysons Tower Mortgage Loan and the National Anchored Retail PortfolioMortgage Loan, which constituted approximately 9.6%, 9.2%, 5.4%, 3.7% and 2.5%,respectively, of the asset pool of the issuing entity as of its cut-offdate.  The Park Tower at Transbay Mortgage Loan, the 230 Park Avenue SouthMortgage Loan, the Storage Post Portfolio Mortgage Loan, the Tysons TowerMortgage Loan and the National Anchored Retail Portfolio Mortgage Loan are eachan asset of the issuing entity and are each part of a loan combination thatincludes (a) with respect to the Park Tower at Transbay Mortgage Loan and sevenother *pari passu* loans, which are not assets of the issuing entity, (b)with respect to the 230 Park Avenue South Mortgage Loan and three other *paripassu* loans, which are not assets of the issuing entity, (c) with respectto the Storage Post Portfolio Mortgage Loan and one other *pari passu*loan, which is not an asset of the issuing entity, (d) with respect to theTysons Tower Mortgage Loan and five other *pari passu* loans, which arenot assets of the issuing entity or (e) with respect to the National AnchoredRetail Portfolio Mortgage Loan and two other *pari passu* loans, which arenot assets of the issuing entity. A *pari passu* portion of each loancombination was securitized in the BANK 2019-BNK21 transaction, Commission FileNumber 333-228375-02 (the “BANK 2019-BNK21 Transaction”). These loancombinations, including the Park Tower at Transbay Mortgage Loan, the 230 ParkAvenue South Mortgage Loan, the Storage Post Portfolio Mortgage Loan, theTysons Tower Mortgage Loan and the National Anchored Retail Portfolio MortgageLoan, are being serviced and administered pursuant to the pooling and servicingagreement for the BANK 2019-BNK21 Transaction, which is incorporated byreference as Exhibit 4.2 to this Annual Report on Form 10-K.

The Exhibit Index describesexhibits provided by certain parties (in their capacities indicated on theExhibit Index) with respect to the Midtown Center Mortgage Loan, whichconstituted approximately 7.4% of the asset pool of the issuing entity as ofits cut-off date.  The Midtown Center Mortgage Loan is an asset of theissuing entity and is part of a loan combination that includes the MidtownCenter Mortgage Loan and five other *pari passu* loans and threesubordinate companion loans, which are not assets of the issuing entity. A *paripassu* portion of the loan combination was securitized in the DC OfficeTrust 2019-MTC transaction (the “DCOT 2019-MTC Transaction”). This loancombination, including the Midtown Center Mortgage Loan, is being serviced andadministered pursuant to the trust and servicing agreement for the DCOT2019-MTC Transaction, which is incorporated by reference as Exhibit 4.3 to thisAnnual Report on Form 10-K.

The Exhibit Index describesexhibits provided by certain parties (in their capacities indicated on theExhibit Index) with respect to the 360 North Crescent Drive Mortgage Loan,which constituted approximately 4.6% of the asset pool of the issuing entity asof its cut-off date.  The 360 North Crescent Drive Mortgage Loan is anasset of the issuing entity and is part of a loan combination that includes the360 North Crescent Drive Mortgage Loan and one other *pari passu* loan,which is not an asset of the issuing entity. This loan combination, includingthe 360 North Crescent Drive Mortgage Loan, was serviced under the Pooling andServicing Agreement for the issuing entity prior to the closing of thesecuritization of the other *pari passu* portion of the 360 North CrescentDrive loan combination in the BANK 2019-BNK23 transaction, Commission FileNumber 333-227446-08 (the “BANK 2019-BNK23 Transaction”).  Afterthe closing of the BANK 2019-BNK23 Transaction on December 10, 2019, this loancombination, including the 360 North Crescent Drive Mortgage Loan was, and willcontinue to be, serviced and administered pursuant to the pooling and servicingagreement with respect to the BANK 2019-BNK23 Transaction, which isincorporated by reference as Exhibit 4.4 to this Annual Report on Form 10-K.

The master servicer of a poolingand servicing agreement or trust and servicing agreement also functions as theprimary servicer of the related mortgage loans serviced and administeredpursuant to such agreement unless a separate primary servicer is identifiedherein.  If this report does not identify a separate primary servicer, theservicer compliance statement provided by the master servicer under any suchagreement also encompasses its responsibilities as primary servicer of therelated mortgage loan or mortgage loans.

Wells Fargo Bank, NationalAssociation is the master servicer and certificate administrator of themortgage loans serviced under the Pooling and Servicing Agreement and theprimary servicer of the Park Tower at Transbay Mortgage Loan, the 230 ParkAvenue South Mortgage Loan,  the Midtown Center Mortgage Loan, the StoragePost Portfolio Mortgage Loan, the 360 North Crescent Drive Mortgage Loan, theTysons Tower Mortgage Loan and the National Anchored Retail Portfolio MortgageLoan. As a result, Wells Fargo Bank, National Association is a “servicer” asdefined in Item 1108(a)(2)(iii) of Regulation AB, in the capacities describedabove, because it is servicing mortgage loans that constituted 10% or more ofthe assets of the issuing entity as of its cut-off date. The assessments ofcompliance with applicable servicing criteria, accountants’ attestation reportsand servicer compliance statements delivered by Wells Fargo Bank, NationalAssociation in the capacities described above are listed in the Exhibit Index.

Wells Fargo Bank, National Association is the custodian ofthe mortgage loans serviced under the Pooling and Servicing Agreement, the ParkTower at Transbay Mortgage Loan, the 230 Park Avenue South Mortgage Loan, theMidtown Center Mortgage Loan, the Storage Post Portfolio Mortgage Loan prior toOctober 24, 2019, the 360 North Crescent Drive Mortgage Loan, the Tysons TowerMortgage Loan and the National Anchored Retail Portfolio Mortgage Loan. As a result, Wells Fargo Bank, National Association is a servicing functionparticipant in the capacities described above, because it is servicing mortgageloans that constituted 5% or more of the assets of the issuing entity as of itscut-off date. The assessments of compliance with applicable servicing criteriaand accountants’ attestation reports delivered by Wells Fargo Bank, NationalAssociation in the capacities described above are listed in the Exhibit Index.

KeyBank National Association isthe special servicer of the mortgage loans serviced under the Pooling andServicing Agreement and the 360 North Crescent Drive Mortgage Loan. As aresult, KeyBank National Association is a “servicer” as defined in Item1108(a)(2)(iii) of Regulation AB, in the capacities described above, because itis servicing mortgage loans that constituted 10% or more of the assets of theissuing entity as of its cut-off date. The assessments of compliance withapplicable servicing criteria, accountants’ attestation reports and servicercompliance statements delivered by KeyBank National Association in thecapacities described above are listed in the Exhibit Index.

Rialto Capital Advisors, LLC isthe special servicer of the Park Tower at Transbay Mortgage Loan, the 230 ParkAvenue South Mortgage Loan, the Storage Post Portfolio Mortgage Loan, theTysons Tower Mortgage Loan and the National Anchored Retail Portfolio MortgageLoan. As a result, Rialto Capital Advisors, LLC is a “servicer” as defined inItem 1108(a)(2)(iii) of Regulation AB, in the capacities described above,because it is servicing mortgage loans that constituted 10% or more of theassets of the issuing entity as of its cut-off date. The assessments ofcompliance with applicable servicing criteria, accountants’ attestation reportsand servicer compliance statements delivered by Rialto Capital Advisors, LLC inthe capacities described above are listed in the Exhibit Index.

Park Bridge Lender Services LLC is the operating advisor ofthe Park Tower at Transbay Mortgage Loan, the 230 Park Avenue South MortgageLoan, the Storage Post Portfolio Mortgage Loan, the 360 North Crescent DriveMortgage Loan, the Tysons Tower Mortgage Loan and the National Anchored RetailPortfolio Mortgage Loan.  As a result, Park Bridge Lender Services LLC isa servicing function participant in the capacities described above, because itis servicing mortgage loans that constituted 5% or more of the assets of theissuing entity as of its cut-off date. The assessments of compliance withapplicable servicing criteria and accountants’ attestation reports delivered byPark Bridge Lender Services LLC in the capacities described above are listed inthe Exhibit Index.

Wilmington Trust, NationalAssociation acts as trustee of the mortgage loans serviced under the Poolingand Servicing Agreement, the Park Tower at Transbay Mortgage Loan, the 230 ParkAvenue South Mortgage Loan, the Storage Post Portfolio Mortgage Loan, theTysons Tower Mortgage Loan, the National Anchored Retail Portfolio MortgageLoan, the Midtown Center Mortgage Loan and the 360 North Crescent DriveMortgage Loan.  Pursuant to the Pooling and Servicing Agreement, thepooling and servicing agreement for the BANK 2019-BNK21 Transaction, the trustand servicing agreement for the DCOT 2019-MTC Transaction and the pooling andservicing agreement for the BANK 2019-BNK23 Transaction, the trustee isrequired to provide an assessment of compliance with applicable servicingcriteria solely with respect to Item 1122(d)(2)(iii) of Regulation AB(regarding advances of funds or guarantees regarding collections, cash flows ordistributions, and any interest or other fees charged for such advances, aremade, reviewed and approved as specified in the transaction agreements).However, during the reporting period, the trustee did not perform any servicingfunction with respect to the servicing criteria specified in Item1122(d)(2)(iii) of Regulation AB.  The master servicer or the specialservicer, to the extent required, performed the servicing function identifiedwith respect to Item 1122(d)(2)(iii) of Regulation AB, and each such partyincluded Item 1122(d)(2)(iii) of Regulation AB in the assessment of compliance withapplicable servicing criteria and accountant’s attestation report for thesubject transaction.  As a result, this Annual Report on Form 10-K doesnot include an assessment of compliance with applicable servicing criteria ofthe trustee. One or more other servicers of the mortgage loans serviced underthe Pooling and Servicing Agreement, the Park Tower at Transbay Mortgage Loan,the 230 Park Avenue South Mortgage Loan, the Storage Post Portfolio MortgageLoan, the Tysons Tower Mortgage Loan, the National Anchored Retail PortfolioMortgage Loan, the Midtown Center Mortgage Loan and the 360 North CrescentDrive Mortgage Loan have delivered one or more assessments of compliance withrespect to Item 1122(d)(2)(iii) of Regulation AB.

This Annual Report on Form 10-Kincludes assessments of compliance with applicable servicing criteria andaccountants’ attestation reports from CoreLogic Commercial Real EstateServices, Inc. and National Tax Search, LLC.  These entities were engagedby the master servicer under the Pooling and Servicing Agreement and theprimary servicer of the Park Tower at Transbay Mortgage Loan, the 230 ParkAvenue South Mortgage Loan, the Storage Post Portfolio Mortgage Loan, theTysons Tower Mortgage Loan, the National Anchored Retail Portfolio MortgageLoan, the Midtown Center Mortgage Loan and the 360 North Crescent DriveMortgage Loan to remit tax payments received from the escrow accounts ofborrowers to local taxing authorities, to report tax amounts due, to verify taxparcel information, and to verify non-escrow tax payments. These servicingfunctions are included within the servicing criteria set forth in Items1122(d)(4)(xi) and 1122(d)(4)(xii) of Regulation AB.  Therefore, under theprinciples-based definition of “servicer” set forth in Item 1101(j) ofRegulation AB that looks to the functions that an entity performs, thesevendors are “servicers” for the purposes of Item 1122 of Regulation AB.  *See*Compliance and Disclosure Interpretations, Section 301.01 (Item 1101(j)).

Theassessments of compliance with applicable servicing criteria, accountants’attestation reports and servicer compliance statements of the certificateadministrator of the Park Tower at Transbay Mortgage Loan, the 230 Park AvenueSouth Mortgage Loan, the Storage Post Portfolio Mortgage Loan, the Tysons TowerMortgage Loan, the National Anchored Retail Portfolio Mortgage Loan, theMidtown Center Mortgage Loan and the 360 North Crescent Drive Mortgage Loanlisted on the Exhibit Index are omitted from this Annual Report on Form 10-K asthe certificate administrator pursuant to the related pooling and servicingagreement or trust and servicing agreement does not perform any activities thataddress servicing criteria with respect to the issuing entity and because theyare each not a “servicer” that meets the criteria in Item 1108(a)(2)(i) through(iii) of Regulation AB.

With respect to the *pari passu*loan combinations that include the Midtown Center Mortgage Loan and the StoragePost Portfolio Mortgage Loan, the servicer compliance statement of CWCapitalAsset Management LLC as special servicer of the Midtown Center Mortgage Loanand Midland Loan Services, a Division of PNC Bank, National Association asprimary servicer of the Storage Post Portfolio Mortgage Loan on an afterOctober 24, 2019, listed on the Exhibit Index are omitted from this AnnualReport on Form 10-K as they are not required by Item 1123 of Regulation AB tobe included on this Annual Report on Form 10-K because they are each an unaffiliatedparty that is not a “servicer” that meets the criteria in Item 1108(a)(2)(i)through (iii) of Regulation AB.

**PART I**

**Item 1.  Business.**

Omitted.

**Item 1A.  Risk Factors.**

Omitted.

**Item 1B.  Unresolved Staff Comments.**

None.

**Item 2.  Properties.**

Omitted.

**Item 3.  Legal Proceedings.**

Omitted.

**Item 4.  Mine Safety Disclosures.**

Not applicable.

**PART II**

**Item 5.  Market for Registrant’s Common Equity,Related Stockholder Matters and Issuer Purchases of Equity Securities.**

Omitted.

**Item 6.  Selected Financial Data.**

Omitted.

**Item 7.  Management’s Discussion and Analysis ofFinancial Condition and Results of Operations.**

Omitted.

**Item 7A.  Quantitative and Qualitative DisclosuresAbout Market Risk.**

Omitted.

**Item 8.  Financial Statements and Supplementary Data.**

Omitted.

**Item 9.  Changes in and Disagreements WithAccountants on Accounting and Financial Disclosure.**

Omitted.

**Item 9A.  Controls and Procedures.**

Omitted.

**Item 9B.  Other Information.**

None.

**PART III**

**Item 10.  Directors, Executive Officers and CorporateGovernance.**

Omitted.

**Item 11.  Executive Compensation.**

Omitted.

**Item 12.  Security Ownership of Certain BeneficialOwners and Management and Related Stockholder Matters.**

Omitted.

**Item 13.  Certain Relationships and RelatedTransactions, and Director Independence.**

Omitted.

**Item 14.  Principal Accounting Fees and Services.**

Omitted.

**ADDITIONAL DISCLOSURE ITEMS FOR REGULATION AB**

**Item 1112(b) of Regulation AB, Significant ObligorFinancial Information.**

No single obligor represents 10% or more of the pool assets heldby the issuing entity. 

**Item 1114(b)(2) of Regulation AB, Significant EnhancementProvider Financial Information.**

No entity or group of affiliated entities provides any external creditenhancement or other support for the certificates within this transaction asdescribed under Item 1114(a) of Regulation AB.

**Item 1115(b) of Regulation AB, Certain DerivativesInstruments (Financial Information).**

No entity or group of affiliated entities provides anyderivative instruments or other support for the certificates within thistransaction as described under Item 1115 of Regulation AB.

**Item 1117 of Regulation AB, Legal Proceedings.**

The registrant knows of no material pending legal proceedinginvolving the trust or any party related to the trust, other than routinelitigation incidental to the duties of those respective parties, and thefollowing, with respect to Wells Fargo Bank, National Association, ascertificate administrator and as custodian.

Beginning on June 18, 2014, a group of institutionalinvestors filed civil complaints in the Supreme Court of the State of New York,New York County, and later the U.S. District Court for the Southern District ofNew York, against Wells Fargo Bank, N.A., (“Wells Fargo Bank”) in itscapacity as trustee for certain residential mortgage backed securities (“RMBS”)trusts.  The complaints against Wells Fargo Bank alleged that the trusteecaused losses to investors and asserted causes of action based upon, amongother things, the trustee's alleged failure to: (i) notify and enforcerepurchase obligations of mortgage loan sellers for purported breaches ofrepresentations and warranties, (ii) notify investors of alleged events ofdefault, and (iii) abide by appropriate standards of care following allegedevents of default. Relief sought included money damages in an unspecifiedamount, reimbursement of expenses, and equitable relief. In November 2018,Wells Fargo Bank reached an agreement, in which it denied any wrongdoing, toresolve such claims on a classwide basis for the 271 RMBS trusts atissue.  On May 6, 2019, the court entered an order approving thesettlement agreement.  Separate lawsuits against Wells Fargo Bank makingsimilar allegations filed by certain other institutional investors concerningseveral RMBS trusts in New York federal and state court are not covered by theagreement.  With respect to such litigations, Wells Fargo Bank believesplaintiffs' claims are without merit and intends to contest the claimsvigorously, but there can be no assurances as to the outcome of the litigationsor the possible impact of the litigations on Wells Fargo Bank or the RMBStrusts.

**Item 1119 of Regulation AB, Affiliations and CertainRelationships and Related Transactions.**

The information regarding this Item has been previouslyprovided in the prospectus of the Registrant relating to the issuing entityfiled on November 15, 2019 pursuant to Rule 424(b)(2).

**Item 1122 of Regulation AB, Compliance with ApplicableServicing Criteria.**

The reports on assessments of compliance with the servicingcriteria for asset-backed securities and related attestation reports on suchassessments of compliance with respect to the mortgage loans are attachedhereto under Item 15 to this Annual Report on Form 10-K. Attached as Exhibit AAto the Pooling and Servicing Agreement incorporated by reference as Exhibit 4.1to this Annual Report on Form 10-K is a chart identifying the entitiesparticipating in a servicing function for the transaction responsible for eachapplicable servicing criteria set forth in Item 1122(d).

The reports on assessments of compliance with the servicingcriteria for asset-backed securities and related attestation reports on suchassessments of compliance with respect to the Park Tower at Transbay MortgageLoan, the 230 Park Avenue South Mortgage Loan, the Storage Post PortfolioMortgage Loan, the Tysons Tower Mortgage Loan and the National Anchored RetailPortfolio Mortgage Loan, which are being serviced and administered pursuant tothe pooling and servicing agreement for the BANK 2019-BNK21 Transaction, areattached hereto under Item 15 to this Annual Report on Form 10-K. Attached asExhibit Z to the pooling and servicing agreement for the BANK 2019-BNK21Transaction incorporated by reference as Exhibit 4.2 to this Annual Report onForm 10-K is a chart identifying the entities participating in a servicingfunction for the BANK 2019-BNK21 Transaction responsible for each applicableservicing criteria set forth in Item 1122(d).

The reports on assessments of compliance with the servicingcriteria for asset-backed securities and related attestation reports on suchassessments of compliance with respect to the Midtown Center Mortgage Loan,which is being serviced and administered pursuant to the trust and servicingagreement for the DCOT 2019-MTC Transaction, are attached hereto under Item 15to this Annual Report on Form 10-K. Attached as Exhibit L to the trust andservicing agreement for the DCOT 2019-MTC Transaction incorporated by referenceas Exhibit 4.3 to this Annual Report on Form 10-K is a chart identifying theentities participating in a servicing function for the DCOT 2019-MTCTransaction responsible for each applicable servicing criteria set forth inItem 1122(d).

The reports on assessments of compliance with the servicingcriteria for asset-backed securities and related attestation reports on suchassessments of compliance with respect to the 360 North Crescent Drive MortgageLoan, which is being serviced and administered pursuant to the pooling andservicing agreement for the BANK 2019-BNK23 Transaction, are attached heretounder Item 15 to this Annual Report on Form 10-K. Attached as Exhibit Z to thepooling and servicing agreement for the BANK 2019-BNK23 Transaction incorporatedby reference as Exhibit 4.4 to this Annual Report on Form 10-K is a chartidentifying the entities participating in a servicing function for the BANK2019-BNK23 Transaction responsible for each applicable servicing criteria setforth in Item 1122(d).

The report on assessment of compliance with applicableservicing criteria furnished pursuant to Item 1122 of Regulation AB by MidlandLoan Services, a Division of PNC Bank National Association (“Midland”)discloses that a material instance of noncompliance occurred, as describedbelow:

Material Instance of Noncompliance

In certain instances, the ScheduleAL Files (Item 1125 of Regulation AB) were not reported in accordance with theterms specified in the transaction agreements, in conflict with Item 1122(d)(3)(i):“Reports to investors, including those to be filed with the Commission, aremaintained in accordance with the transaction agreements and applicableCommission requirements. Specifically, such reports: (A) Are prepared inaccordance with timeframes and other terms set forth in the transactionagreements”.  The noncompliance consisted of omitted or inaccuratelyreported fields as described in (1) and (2) below.  (1) In connection withother enhancements Midland made to its manual Schedule AL process, starting inApril 2019, Midland developed and implemented new Schedule AL reportingtemplates for each applicable CMBS transaction that closed prior to April 2019and for each applicable CMBS transaction going forward.  Related to this,Midland made certain template setup errors, along with related and other manualinputting of information errors, and the errors were not identified prior tosubmission of the applicable Schedule AL Files in certain cases due tobreakdowns in quality control.  (2) In one applicable transaction, therelated Schedule AL File for a given month was not saved properly resulting inthe prior month's Schedule AL File being submitted for the given month insteadof the correct Schedule AL File. 

The identified instances did notinvolve the servicing of assets included in this securitization.

Steps Taken to Remedy the Material Instance of Noncompliance

Midland’s Schedule AL reportingprocess was enhanced in April of 2019, however, the process remained manualthroughout the 2019 calendar year.  Errors relating to certain Schedule ALFiles during 2019 were identified during the related audit.  Followingidentification, Midland made staffing changes and additional enhancements andimprovements to its processes and procedures to support its Schedule ALreporting obligations and expects to move to an automated solution for thisprocess.  

Midland is currently remediating theSchedule AL reporting for certain of the CMBS transactions found to beincorrect. 

**Item 1123 of Regulation AB, Servicer Compliance Statement.**

The servicer compliance statements are attached as Exhibitsto this Annual Report on Form 10-K.

**PART IV**

**Item 15. Exhibits, Financial Statement Schedules**

(a) The following is a list of documents filed as part ofthis Annual Report on Form 10-K:

(1) Not applicable

(2) Not applicable

(3) See below

 

4.1         Poolingand Servicing Agreement, dated as of November 1, 2019, by and among Wells FargoCommercial Mortgage Securities, Inc., as Depositor, Wells Fargo Bank, NationalAssociation, as General Master Servicer, KeyBank National Association, asGeneral Special Servicer, National Cooperative Bank, N.A., as NCB MasterServicer and as NCB Special Servicer, Wells Fargo Bank, National Association,as Certificate Administrator, Wilmington Trust, National Association, asTrustee, and Pentalpha Surveillance LLC, as Operating Advisor and AssetRepresentations Reviewer (filed as Exhibit 4.1 to the registrant’s CurrentReport on Form 8-K filed on November 15, 2019 under Commission File No.333-226486-10 and incorporated by reference herein). 

4.2         Poolingand Servicing Agreement, dated as of October 1, 2019, by and among Banc ofAmerica Merrill Lynch Commercial Mortgage Inc., as Depositor, Wells Fargo Bank,National Association, as Master Servicer, Rialto Capital Advisors, LLC, asSpecial Servicer, Wells Fargo Bank, National Association, as CertificateAdministrator, Wilmington Trust, National Association, as Trustee, and ParkBridge Lender Services LLC, as Operating Advisor and Asset RepresentationsReviewer (filed as Exhibit 99.5 to the registrant’s Current Report on Form 8-Kfiled on November 15, 2019 under Commission File No. 333-226486-10 andincorporated by reference herein).

4.3         Trustand Servicing Agreement, dated as of October 30, 2019, by and among Wells FargoCommercial Mortgage Securities, Inc., as Depositor, Wells Fargo Bank, NationalAssociation, as Master Servicer, CWCapital Asset Management LLC, as SpecialServicer, Wells Fargo Bank, National Association, as Certificate Administrator,Wilmington Trust, National Association, as Trustee (filed as Exhibit 99.6 tothe registrant’s Current Report on Form 8-K filed on November 15, 2019 underCommission File No. 333-226486-10 and incorporated by reference herein).

4.4         Poolingand Servicing Agreement, dated as of December 1, 2019, by and among MorganStanley Capital I Inc., as Depositor, Wells Fargo Bank, National Association,as Master Servicer, KeyBank National Association, as Special Servicer, WellsFargo Bank, National Association, as Certificate Administrator, WilmingtonTrust, National Association, as Trustee, and Park Bridge Lender Services LLC,as Operating Advisor and Asset Representations Reviewer (filed as Exhibit 99.1to the registrant’s Current Report on Form 8-K filed on December 16, 2019 underCommission File No. 333-226486-10 and incorporated by reference herein).

31          Rule 13a-14(d)/15d-14(d)Certifications.

33          Reports on assessment of compliance with servicing criteria for asset-backedsecurities.

33.1       Wells Fargo Bank, NationalAssociation, as General Master Servicer

33.2       National Cooperative Bank,N.A., as NCB Master Servicer

33.3       KeyBank NationalAssociation, as General Special Servicer

33.4       National Cooperative Bank,N.A., as NCB Special Servicer (see Exhibit 33.2)

33.5       Wilmington Trust, National Association, as Trustee (Omitted. See ExplanatoryNotes.)

33.6       Wells Fargo Bank, NationalAssociation, as Certificate Administrator

33.7       Wells Fargo Bank, NationalAssociation, as Custodian

33.8       Pentalpha SurveillanceLLC, as Operating Advisor

33.9       CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant

33.10     National Tax Search, LLC,as Servicing Function Participant

33.11     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Park Tower at Transbay Mortgage Loan(see Exhibit 33.1)

33.12     Rialto Capital Advisors,LLC, as Special Servicer of the Park Tower at Transbay Mortgage Loan

33.13     Wilmington Trust, National Association, as Trustee of the Park Tower atTransbay Mortgage Loan (Omitted. See Explanatory Notes.)

33.14     Wells Fargo Bank, NationalAssociation, as Custodian of the Park Tower at Transbay Mortgage Loan (seeExhibit 33.7)

33.15     Park Bridge LenderServices LLC, as Operating Advisor of the Park Tower at Transbay Mortgage Loan

33.16     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the Park Tower atTransbay Mortgage Loan (see Exhibit 33.9)

33.17     National Tax Search, LLC,as Servicing Function Participant of the Park Tower at Transbay Mortgage Loan(see Exhibit 33.10)

33.18     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the 230 Park Avenue South Mortgage Loan(see Exhibit 33.1)

33.19     Rialto Capital Advisors,LLC, as Special Servicer of the 230 Park Avenue South Mortgage Loan (seeExhibit 33.12)

33.20     Wilmington Trust, National Association, as Trustee of the 230 Park Avenue SouthMortgage Loan (Omitted. See Explanatory Notes.)

33.21     Wells Fargo Bank, NationalAssociation, as Custodian of the 230 Park Avenue South Mortgage Loan (seeExhibit 33.7)

33.22     Park Bridge LenderServices LLC, as Operating Advisor of the 230 Park Avenue South Mortgage Loan(see Exhibit 33.15)

33.23     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the 230 Park AvenueSouth Mortgage Loan (see Exhibit 33.9)

33.24     National Tax Search, LLC,as Servicing Function Participant of the 230 Park Avenue South Mortgage Loan(see Exhibit 33.10)

33.25     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Storage Post Portfolio Mortgage Loanprior to October 24, 2019 (see Exhibit 33.1)

33.26     Midland Loan Services, aDivision of PNC Bank, National Association, as Primary Servicer of the StoragePost Portfolio Mortgage Loan on and after October 24, 2019

33.27     Rialto Capital Advisors,LLC, as Special Servicer of the Storage Post Portfolio Mortgage Loan (seeExhibit 33.12)

33.28     Wilmington Trust, National Association, as Trustee of the Storage PostPortfolio Mortgage Loan (Omitted. See Explanatory Notes.)

33.29     Wells Fargo Bank, NationalAssociation, as Custodian of the Storage Post Portfolio Mortgage Loan (seeExhibit 33.7)

33.30     Park Bridge LenderServices LLC, as Operating Advisor of the Storage Post Portfolio Mortgage Loan(see Exhibit 33.15)

33.31     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the 230 Park AvenueSouth Mortgage Loan (see Exhibit 33.9)

33.32     National Tax Search, LLC,as Servicing Function Participant of the 230 Park Avenue South Mortgage Loan(see Exhibit 33.10)

33.33     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Tysons Tower Mortgage Loan (see Exhibit33.1)

33.34     Rialto Capital Advisors,LLC, as Special Servicer of the Tysons Tower Mortgage Loan (see Exhibit 33.12)

33.35     Wilmington Trust, National Association, as Trustee of the Tysons Tower MortgageLoan (Omitted. See Explanatory Notes.)

33.36     Wells Fargo Bank, NationalAssociation, as Custodian of the Tysons Tower Mortgage Loan (see Exhibit 33.7)

33.37     Park Bridge LenderServices LLC, as Operating Advisor of the Tysons Tower Mortgage Loan (seeExhibit 33.15)

33.38     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the Tysons TowerMortgage Loan (see Exhibit 33.9)

33.39     National Tax Search, LLC,as Servicing Function Participant of the Tysons Tower Mortgage Loan (seeExhibit 33.10)

33.40     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the National Anchored Retail PortfolioMortgage Loan (see Exhibit 33.1)

33.41     Rialto Capital Advisors,LLC, as Special Servicer of the National Anchored Retail Portfolio MortgageLoan (see Exhibit 33.12)

33.42     Wilmington Trust, National Association, as Trustee of the National AnchoredRetail Portfolio Mortgage Loan (Omitted. See Explanatory Notes.)

33.43     Wells Fargo Bank, NationalAssociation, as Custodian of the National Anchored Retail Portfolio MortgageLoan (see Exhibit 33.7)

33.44     Park Bridge LenderServices LLC, as Operating Advisor of the National Anchored Retail Portfolio MortgageLoan (see Exhibit 33.15)

33.45     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the NationalAnchored Retail Portfolio Mortgage Loan (see Exhibit 33.9)

33.46     National Tax Search, LLC,as Servicing Function Participant of the National Anchored Retail PortfolioMortgage Loan (see Exhibit 33.10)

33.47     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Midtown Center Mortgage Loan (seeExhibit 33.1)

33.48     CWCapital AssetManagement LLC, as Special Servicer of the Midtown Center Mortgage Loan

33.49     Wilmington Trust, National Association, as Trustee of the Midtown CenterMortgage Loan (Omitted. See Explanatory Notes.)

33.50     Wells Fargo Bank, NationalAssociation, as Custodian of the Midtown Center Mortgage Loan (see Exhibit33.7)

33.51     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the Midtown CenterMortgage Loan (see Exhibit 33.9)

33.52     National Tax Search, LLC,as Servicing Function Participant of the Midtown Center Mortgage Loan (seeExhibit 33.10)

33.53     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the 360 North Crescent Drive Mortgage Loan(see Exhibit 33.1)

33.54     KeyBank NationalAssociation, as Special Servicer of the 360 North Crescent Drive Mortgage Loan(see Exhibit 33.3)

33.55     Wilmington Trust, National Association, as Trustee of the 360 North CrescentDrive Mortgage Loan (Omitted. See Explanatory Notes.)

33.56     Wells Fargo Bank, NationalAssociation, as Custodian of the 360 North Crescent Drive Mortgage Loan (seeExhibit 33.7)

33.57     Park Bridge Lender ServicesLLC, as Operating Advisor of the 360 North Crescent Drive Mortgage Loan (seeExhibit 33.15)

33.58     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the 360 NorthCrescent Drive Mortgage Loan (see Exhibit 33.9)

33.59     National Tax Search, LLC,as Servicing Function Participant of the 360 North Crescent Drive Mortgage Loan(see Exhibit 33.10)

34          Attestation reports onassessment of compliance with servicing criteria for asset-backed securities.

34.1       Wells Fargo Bank, NationalAssociation, as General Master Servicer

34.2       National Cooperative Bank,N.A., as NCB Master Servicer

34.3       KeyBank NationalAssociation, as General Special Servicer

34.4       National Cooperative Bank,N.A., as NCB Special Servicer (see Exhibit 34.2)

34.5       Wilmington Trust, National Association, as Trustee (Omitted. See ExplanatoryNotes.)

34.6       Wells Fargo Bank, NationalAssociation, as Certificate Administrator

34.7       Wells Fargo Bank, NationalAssociation, as Custodian

34.8       Pentalpha SurveillanceLLC, as Operating Advisor

34.9       CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant

34.10     National Tax Search, LLC,as Servicing Function Participant

34.11     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Park Tower at Transbay Mortgage Loan(see Exhibit 34.1)

34.12     Rialto Capital Advisors,LLC, as Special Servicer of the Park Tower at Transbay Mortgage Loan

34.13     Wilmington Trust, National Association, as Trustee of the Park Tower atTransbay Mortgage Loan (Omitted. See Explanatory Notes.)

34.14     Wells Fargo Bank, NationalAssociation, as Custodian of the Park Tower at Transbay Mortgage Loan (seeExhibit 34.7)

34.15     Park Bridge LenderServices LLC, as Operating Advisor of the Park Tower at Transbay Mortgage Loan

34.16     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the Park Tower atTransbay Mortgage Loan (see Exhibit 34.9)

34.17     National Tax Search, LLC,as Servicing Function Participant of the Park Tower at Transbay Mortgage Loan(see Exhibit 34.10)

34.18     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the 230 Park Avenue South Mortgage Loan(see Exhibit 34.1)

34.19     Rialto Capital Advisors,LLC, as Special Servicer of the 230 Park Avenue South Mortgage Loan (seeExhibit 34.12)

34.20     Wilmington Trust, National Association, as Trustee of the 230 Park Avenue SouthMortgage Loan (Omitted. See Explanatory Notes.)

34.21     Wells Fargo Bank, NationalAssociation, as Custodian of the 230 Park Avenue South Mortgage Loan (seeExhibit 34.7)

34.22     Park Bridge LenderServices LLC, as Operating Advisor of the 230 Park Avenue South Mortgage Loan(see Exhibit 34.15)

34.23     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the 230 Park AvenueSouth Mortgage Loan (see Exhibit 34.9)

34.24     National Tax Search, LLC,as Servicing Function Participant of the 230 Park Avenue South Mortgage Loan(see Exhibit 34.10)

34.25     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Storage Post Portfolio Mortgage Loanprior to October 24, 2019 (see Exhibit 34.1)

34.26     Midland Loan Services, aDivision of PNC Bank, National Association, as Primary Servicer of the StoragePost Portfolio Mortgage Loan on and after October 24, 2019

34.27     Rialto Capital Advisors,LLC, as Special Servicer of the Storage Post Portfolio Mortgage Loan (seeExhibit 34.12)

34.28     Wilmington Trust, National Association, as Trustee of the Storage PostPortfolio Mortgage Loan (Omitted. See Explanatory Notes.)

34.29     Wells Fargo Bank, NationalAssociation, as Custodian of the Storage Post Portfolio Mortgage Loan (seeExhibit 34.7)

34.30     Park Bridge LenderServices LLC, as Operating Advisor of the Storage Post Portfolio Mortgage Loan(see Exhibit 34.15)

34.31     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the 230 Park AvenueSouth Mortgage Loan (see Exhibit 34.9)

34.32     National Tax Search, LLC,as Servicing Function Participant of the 230 Park Avenue South Mortgage Loan(see Exhibit 34.10)

34.33     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Tysons Tower Mortgage Loan (see Exhibit34.1)

34.34     Rialto Capital Advisors,LLC, as Special Servicer of the Tysons Tower Mortgage Loan (see Exhibit 34.12)

34.35     Wilmington Trust, National Association, as Trustee of the Tysons Tower MortgageLoan (Omitted. See Explanatory Notes.)

34.36     Wells Fargo Bank, NationalAssociation, as Custodian of the Tysons Tower Mortgage Loan (see Exhibit 34.7)

34.37     Park Bridge LenderServices LLC, as Operating Advisor of the Tysons Tower Mortgage Loan (seeExhibit 34.15)

34.38     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the Tysons TowerMortgage Loan (see Exhibit 34.9)

34.39     National Tax Search, LLC,as Servicing Function Participant of the Tysons Tower Mortgage Loan (see Exhibit34.10)

34.40     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the National Anchored Retail PortfolioMortgage Loan (see Exhibit 34.1)

34.41     Rialto Capital Advisors,LLC, as Special Servicer of the National Anchored Retail Portfolio MortgageLoan (see Exhibit 34.12)

34.42     Wilmington Trust, National Association, as Trustee of the National AnchoredRetail Portfolio Mortgage Loan (Omitted. See Explanatory Notes.)

34.43     Wells Fargo Bank, NationalAssociation, as Custodian of the National Anchored Retail Portfolio MortgageLoan (see Exhibit 34.7)

34.44     Park Bridge LenderServices LLC, as Operating Advisor of the National Anchored Retail PortfolioMortgage Loan (see Exhibit 34.15)

34.45     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the NationalAnchored Retail Portfolio Mortgage Loan (see Exhibit 34.9)

34.46     National Tax Search, LLC,as Servicing Function Participant of the National Anchored Retail PortfolioMortgage Loan (see Exhibit 34.10)

34.47     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Midtown Center Mortgage Loan (seeExhibit 34.1)

34.48     CWCapital AssetManagement LLC, as Special Servicer of the Midtown Center Mortgage Loan

34.49     Wilmington Trust, National Association, as Trustee of the Midtown CenterMortgage Loan (Omitted. See Explanatory Notes.)

34.50     Wells Fargo Bank, NationalAssociation, as Custodian of the Midtown Center Mortgage Loan (see Exhibit34.7)

34.51     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the Midtown CenterMortgage Loan (see Exhibit 34.9)

34.52     National Tax Search, LLC,as Servicing Function Participant of the Midtown Center Mortgage Loan (seeExhibit 34.10)

34.53     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the 360 North Crescent Drive Mortgage Loan(see Exhibit 34.1)

34.54     KeyBank NationalAssociation, as Special Servicer of the 360 North Crescent Drive Mortgage Loan(see Exhibit 34.3)

34.55     Wilmington Trust, National Association, as Trustee of the 360 North CrescentDrive Mortgage Loan (Omitted. See Explanatory Notes.)

34.56     Wells Fargo Bank, NationalAssociation, as Custodian of the 360 North Crescent Drive Mortgage Loan (seeExhibit 34.7)

34.57     Park Bridge LenderServices LLC, as Operating Advisor of the 360 North Crescent Drive MortgageLoan (see Exhibit 34.15)

34.58     CoreLogic Commercial RealEstate Services, Inc., as Servicing Function Participant of the 360 NorthCrescent Drive Mortgage Loan (see Exhibit 34.9)

34.59     National Tax Search, LLC,as Servicing Function Participant of the 360 North Crescent Drive Mortgage Loan(see Exhibit 34.10)

35          Servicer compliance statements.

35.1       Wells Fargo Bank, NationalAssociation, as General Master Servicer

35.2       National Cooperative Bank,N.A., as NCB Master Servicer

35.3       KeyBank NationalAssociation, as General Special Servicer

35.4       National Cooperative Bank,N.A., as NCB Special Servicer (see Exhibit 35.2)

35.5       Wells Fargo Bank, NationalAssociation, as Certificate Administrator

35.6       Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Park Tower at Transbay Mortgage Loan(see Exhibit 35.1)

35.7       Rialto Capital Advisors,LLC, as Special Servicer of the Park Tower at Transbay Mortgage Loan

35.8       Wells Fargo Bank, NationalAssociation, as Primary Servicer of the 230 Park Avenue South Mortgage Loan(see Exhibit 35.1)

35.9       Rialto Capital Advisors,LLC, as Special Servicer of the 230 Park Avenue South Mortgage Loan (see Exhibit35.7)

35.10     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Storage Post Portfolio Mortgage Loanprior to October 24, 2019 (see Exhibit 35.1)

35.11     Midland Loan Services, a Division of PNC Bank, National Association, as PrimaryServicer of the Storage Post Portfolio Mortgage Loan on and after October 24,2019 (Omitted. See Explanatory Notes.)

35.12     Rialto Capital Advisors,LLC, as Special Servicer of the Storage Post Portfolio Mortgage Loan (seeExhibit 35.7)

35.13     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Tysons Tower Mortgage Loan (see Exhibit35.1)

35.14     Rialto Capital Advisors,LLC, as Special Servicer of the Tysons Tower Mortgage Loan (see Exhibit 35.7)

35.15     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the National Anchored Retail Portfolio MortgageLoan (see Exhibit 35.1)

35.16     Rialto Capital Advisors,LLC, as Special Servicer of the National Anchored Retail Portfolio MortgageLoan (see Exhibit 35.7)

35.17     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the Midtown Center Mortgage Loan (seeExhibit 35.1)

35.18     CWCapital Asset Management LLC, as Special Servicer of the Midtown CenterMortgage Loan (Omitted. See Explanatory Notes.)

35.19     Wells Fargo Bank, NationalAssociation, as Primary Servicer of the 360 North Crescent Drive Mortgage Loan(see Exhibit 35.1)

35.20     KeyBank NationalAssociation, as Special Servicer of the 360 North Crescent Drive Mortgage Loan(see Exhibit 35.3)

99.1       MortgageLoan Purchase Agreement, dated and effective as of October 25, 2019, betweenWells Fargo Commercial Mortgage Securities, Inc. and Bank of America, NationalAssociation (filed as Exhibit 99.1 to the registrant’s Current Report on Form8-K filed on November 15, 2019 under Commission File No. 333-226486-10 andincorporated by reference herein).

99.2       MortgageLoan Purchase Agreement, dated and effective as of October 25, 2019, betweenWells Fargo Commercial Mortgage Securities, Inc. and Wells Fargo Bank, NationalAssociation (filed as Exhibit 99.2 to the registrant’s Current Report on Form8-K filed on November 15, 2019 under Commission File No. 333-226486-10 andincorporated by reference herein).

99.3       MortgageLoan Purchase Agreement, dated and effective as of October 25, 2019, betweenWells Fargo Commercial Mortgage Securities, Inc. and Morgan Stanley MortgageCapital Holdings LLC (filed as Exhibit 99.3 to the registrant’s Current Reporton Form 8-K filed on November 15, 2019 under Commission File No. 333-226486-10and incorporated by reference herein).

99.4       MortgageLoan Purchase Agreement, dated and effective as of October 25, 2019, betweenWells Fargo Commercial Mortgage Securities, Inc. and National Cooperative Bank,N.A. (filed as Exhibit 99.4 to the registrant’s Current Report on Form 8-Kfiled on November 15, 2019 under Commission File No. 333-226486-10 andincorporated by reference herein).

99.5       AgreementBetween Note Holders, dated as of September 16, 2019, by and between Bank ofAmerica, N.A., as Initial Note A-1 Holder, Bank of America, N.A., as InitialNote A-2 Holder, Bank of America, N.A., as Initial Note A-3 Holder, Bank ofAmerica, N.A., as Initial Note A-4 Holder, Bank of America, N.A., as InitialNote A-5 Holder, Bank of America, N.A., as Initial Note A-6 Holder, Bank ofAmerica, N.A., as Initial Note A-7 Holder, Bank of America, N.A., as InitialNote A-8 Holder, Bank of America, N.A., as Initial Note A-9 Holder, and Bank ofAmerica, N.A., as Initial Note A-10 Holder (filed as Exhibit 99.7 to theregistrant’s Current Report on Form 8-K filed on November 15, 2019 underCommission File No. 333-226486-10 and incorporated by reference herein).

99.6       AgreementBetween Note Holders, dated as of October 23, 2019, by and between Wells FargoBank, National Association, as Initial Note A-1 Holder, Wells Fargo Bank,National Association, as Initial Note A-2 Holder, Wells Fargo Bank, NationalAssociation, as Initial Note A-3 Holder, Bank of America, National Association,as Initial Note A-4 Holder, Bank of America, National Association, as InitialNote A-5 Holder, Bank of America, National Association, as Initial Note A-6Holder, and JPMorgan Chase Bank, National Association, as Initial Note A-7Holder (filed as Exhibit 99.8 to the registrant’s Current Report on Form 8-Kfiled on November 15, 2019 under Commission File No. 333-226486-10 andincorporated by reference herein).

99.7       Co-LenderAgreement, dated as of September 30, 2019, by and among Wells Fargo Bank,National Association, as Initial Note A-1-1 Holder, Initial Note A-2-1 Holder,Initial Note A-2-2 Holder, Initial Note A-2-3 Holder and Initial Note B-1-1Holder, Bank of America, N.A., as Initial Note A-1-2 Holder, Initial Note A-2-4Holder, Initial Note A-2-5 Holder and Initial Note B-1-2 Holder, and GoldmanSachs Bank USA, as Initial Note A-1-3 Holder, Initial Note A-2-6 Holder,Initial Note A-2-7 Holder and Initial Note B-1-3 Holder (filed as Exhibit 99.9to the registrant’s Current Report on Form 8-K filed on November 15, 2019 underCommission File No. 333-226486-10 and incorporated by reference herein).

99.8       AgreementBetween Note Holders, dated as of October 23, 2019, by and between MorganStanley Bank, N.A., as Initial Note A-1 Holder, Morgan Stanley Bank, N.A., asInitial Note A-2 Holder, Morgan Stanley Bank, N.A., as Initial Note A-3 Holder,and Morgan Stanley Mortgage Capital Holdings LLC, as Initial Agent (filed asExhibit 99.10 to the registrant’s Current Report on Form 8-K filed on November15, 2019 under Commission File No. 333-226486-10 and incorporated by referenceherein).

99.9       AgreementBetween Note Holders, dated as of November 15, 2019, by and between Wells FargoBank, National Association, as Initial Note A-1 Holder, and Wells Fargo Bank,National Association, as Initial Note A-2 Holder (filed as Exhibit 99.11 to theregistrant’s Current Report on Form 8-K filed on November 15, 2019 underCommission File No. 333-226486-10 and incorporated by reference herein).

99.10     AgreementBetween Note Holders, dated as of October 23, 2019, by and between Wells FargoBank, National Association, as Initial Note A-1 Holder, Wells Fargo Bank,National Association, as Initial Note A-2 Holder, Wells Fargo Bank, NationalAssociation, as Initial Note A-3 Holder, JPMorgan Chase Bank, NationalAssociation, as Initial Note A-4 Holder, JPMorgan Chase Bank, National Association,as Initial Note A-5 Holder, JPMorgan Chase Bank, National Association, asInitial Note A-6 Holder, and JPMorgan Chase Bank, National Association, asInitial Note A-7 Holder (filed as Exhibit 99.12 to the registrant’s CurrentReport on Form 8-K filed on November 15, 2019 under Commission File No.333-226486-10 and incorporated by reference herein).

99.11     AgreementBetween Note Holders, dated as of October 23, 2019, by and between MorganStanley Bank, N.A., as Initial Note A-1 Holder, Morgan Stanley Bank, N.A., asInitial Note A-2 Holder, Morgan Stanley Bank, N.A., as Initial Note A-3 Holder,and Morgan Stanley Mortgage Capital Holdings LLC, as Initial Agent (filed asExhibit 99.13 to the registrant’s Current Report on Form 8-K filed on November15, 2019 under Commission File No. 333-226486-10 and incorporated by referenceherein).

(b)   The exhibits required to be filed by theRegistrant pursuant to Item 601 of Regulation S-K are listed above.

(c)   Not Applicable.

 

**SIGNATURES**

Pursuant to the requirements of Section 13 or 15(d) of theSecurities Exchange Act of 1934, the registrant has duly caused this report tobe signed on its behalf by the undersigned, thereunto duly authorized.

Wells Fargo Commercial MortgageSecurities, Inc.(Depositor)

/s/ AnthonySfarra

AnthonySfarra, President

(senior officer in charge ofsecuritization of the depositor)

Date: March 19, 2020