Although we’ve been happy with our lender (and grateful to be in our house), in hindsight the process may have gone smoother had we gone to one of the Music Row banks. We were also thrown for a loop every time they asked for more documentation, or more details, or letters from our bosses.
Personally, I’ll be going with C major, because of two small details. First, the song ends on a C chord, which gives us a clue as to how the writer hears the song. Next, Halsey is singing “blue notes” from the C blues scale, which is something you can trust. But because the melody notes and loop notes make an A minor chord in first inversion, you could also hear that as an Am chord, and so an A minor tonality.