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      <liveTestFlag>LIVE</liveTestFlag>



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    <issuerInfo>
      <issuerCik>0001647639</issuerCik>
      <issuerName>Upstart Holdings, Inc.</issuerName>
      <secFileNumber>001-39797</secFileNumber>
      <issuerAddress>
        <com:street1>2950 S. DELAWARE STREET, SUITE 410</com:street1>
        <com:city>SAN MATEO</com:city>
        <com:stateOrCountry>CA</com:stateOrCountry>
        <com:zipCode>94403</com:zipCode>
      </issuerAddress>
      <issuerContactPhone>(650) 204-1000</issuerContactPhone>
      <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Singh Cassidy Sukhinder</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Former Director</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Charles Schwab &amp; Co., Inc.</name>
        <address>
          <com:street1>3000 Schwab Way</com:street1>
          <com:city>Westlake</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>76262</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>1278</noOfUnitsSold>
      <aggregateMarketValue>85639.00</aggregateMarketValue>
      <noOfUnitsOutstanding>95144858</noOfUnitsOutstanding>
      <approxSaleDate>07/01/2025</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>05/22/2025</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Lapse</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Upstart Holdings, Inc.</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>1278</amountOfSecuritiesAcquired>
      <paymentDate>05/22/2025</paymentDate>
      <natureOfPayment>Equity Compensation</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <remarks>Shares sold in the SUKHINDER SINGH REVOCABLE TRUST.</remarks>
    <noticeSignature>
      <noticeDate>07/01/2025</noticeDate>
      <signature>Sukhinder Singh Cassidy TTEE</signature>
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144
0001470176
XXXXXXXX
LIVE
0001647639
Upstart Holdings, Inc.
001-39797
2950 S. DELAWARE STREET, SUITE 410
SAN MATEO
CA
94403
(650) 204-1000
Singh Cassidy Sukhinder
Former Director
Common
Charles Schwab & Co., Inc.
3000 Schwab Way
Westlake
TX
76262
1278
85639.00
95144858
07/01/2025
NASDAQ
Common
05/22/2025
Restricted Stock Lapse
Upstart Holdings, Inc.
N
1278
05/22/2025
Equity Compensation
Y
Shares sold in the SUKHINDER SINGH REVOCABLE TRUST.
07/01/2025
Sukhinder Singh Cassidy TTEE