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      <issuerAddress>
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        <com:city>SAN MATEO</com:city>
        <com:stateOrCountry>CA</com:stateOrCountry>
        <com:zipCode>94403</com:zipCode>
      </issuerAddress>
      <issuerContactPhone>(650) 204-1000</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Gu Paul</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
        <relationshipToIssuer>Director</relationshipToIssuer>
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      <brokerOrMarketmakerDetails>
        <name>Charles Schwab &amp; Co., Inc.</name>
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          <com:street1>3000 Schwab Way</com:street1>
          <com:city>Westlake</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>76262</com:zipCode>
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      <aggregateMarketValue>468082.27</aggregateMarketValue>
      <noOfUnitsOutstanding>85057317</noOfUnitsOutstanding>
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      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
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      <paymentDate>11/20/2023</paymentDate>
      <natureOfPayment>Equity Compensation</natureOfPayment>
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          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
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      <saleDate>08/22/2023</saleDate>
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        <name>Paul Gu</name>
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          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc.</securitiesClassTitle>
      <saleDate>10/02/2023</saleDate>
      <amountOfSecuritiesSold>15000</amountOfSecuritiesSold>
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        <name>Paul Gu</name>
        <address>
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          <com:zipCode>94403</com:zipCode>
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      <saleDate>10/10/2023</saleDate>
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      <saleDate>11/15/2023</saleDate>
      <amountOfSecuritiesSold>15000</amountOfSecuritiesSold>
      <grossProceeds>375159.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <remarks>Shares sold to cover tax obligation from settlement of vested Restricted Stock Units</remarks>
    <noticeSignature>
      <noticeDate>11/21/2023</noticeDate>
      <signature>PAUL GU</signature>
    </noticeSignature>
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144
0001832812
XXXXXXXX
LIVE
0001647639
Upstart Holdings, Inc.
001-39797
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
(650) 204-1000
Gu Paul
Officer
Director
Common
Charles Schwab & Co., Inc.
3000 Schwab Way
Westlake
TX
76262
19513
468082.27
85057317
11/21/2023
NASDAQ
Common
11/20/2023
Restricted Stock Lapse - See Remarks
Upstart Holdings, Inc.
N
19513
11/20/2023
Equity Compensation
N
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
08/22/2023
18003
587394.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
09/01/2023
20000
646600.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
09/06/2023
5000
175100.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
10/02/2023
15000
427551.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
10/10/2023
5000
150206.00
Paul Gu
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
11/15/2023
15000
375159.00
Shares sold to cover tax obligation from settlement of vested Restricted Stock Units
11/21/2023
PAUL GU