I think folks get a bit confused here. The escrow company generally should do proper KYC work, and does fall under AML/CFT directives. But the where did your

I think folks get a bit confused here. The escrow company generally should do proper KYC work, and does fall under AML/CFT directives. But the where did your money come from (that some folks are used to) comes from LENDER requirements. Lenders underwrite based on a set of facts, ideally backed up by what actually happens in escrow. So if the escrow company get's a wire from a hard money lender instead of from your bank (same $100K) that's going to be a big difference in lender eval prior to funding (they don't want you borrowing your money from another lender - usually a sign you faked your ability to save, increased DTI etc).