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        <com:stateOrCountry>CA</com:stateOrCountry>
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      <issuerContactPhone>(650) 204-1000</issuerContactPhone>
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      <relationshipsToIssuer>
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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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      <noOfUnitsOutstanding>83887658</noOfUnitsOutstanding>
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      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
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      <paymentDate>02/20/2023</paymentDate>
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      <saleDate>08/28/2023</saleDate>
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      <saleDate>09/06/2023</saleDate>
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          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94403</com:zipCode>
        </address>
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      <securitiesClassTitle>Upstart Holdings, Inc.</securitiesClassTitle>
      <saleDate>09/25/2023</saleDate>
      <amountOfSecuritiesSold>1000</amountOfSecuritiesSold>
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    <noticeSignature>
      <noticeDate>11/02/2023</noticeDate>
      <planAdoptionDates>
        <planAdoptionDate>05/30/2023</planAdoptionDate>
      </planAdoptionDates>
      <signature>SCOTT DARLING</signature>
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144
0001558259
XXXXXXXX
LIVE
0001647639
Upstart Holdings, Inc.
001-39797
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
(650) 204-1000
Darling Scott
Officer
Common
Charles Schwab & Co., Inc.
3000 Schwab Way
Westlake
TX
76262
480
12766.00
83887658
11/02/2023
NASDAQ
Common
02/20/2023
Restricted Stock Lapse
Upstart Holdings, Inc.
N
480
02/20/2023
Equity Compensation
N
Scott Darling
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
08/22/2023
4211
137423.00
Scott Darling
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
08/28/2023
1670
49965.00
Scott Darling
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
09/06/2023
200
7016.00
Scott Darling
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
09/25/2023
1000
26580.00
Scott Darling
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
10/24/2023
520
13190.00
11/02/2023
05/30/2023
SCOTT DARLING