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      <issuerName>Upstart Holdings, Inc.</issuerName>
      <secFileNumber>001-39797</secFileNumber>
      <issuerAddress>
        <com:street1>2950 S. DELAWARE STREET, SUITE 300</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>Girouard Dave</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
        <relationshipToIssuer>Director</relationshipToIssuer>
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    <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>3153</noOfUnitsSold>
      <aggregateMarketValue>84902.00</aggregateMarketValue>
      <noOfUnitsOutstanding>82670997</noOfUnitsOutstanding>
      <approxSaleDate>05/23/2023</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
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      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>05/22/2023</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Lapse - See Remarks</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Upstart Holdings, Inc.</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>3153</amountOfSecuritiesAcquired>
      <paymentDate>05/22/2023</paymentDate>
      <natureOfPayment>Equity Compensation</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <remarks>Shares sold to cover tax obligation from settlement of vested Restricted Stock Units</remarks>
    <noticeSignature>
      <noticeDate>05/23/2023</noticeDate>
      <signature>DAVID GIROUARD</signature>
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144
0001832805
XXXXXXXX
LIVE
0001647639
Upstart Holdings, Inc.
001-39797
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
(650) 204-1000
Girouard Dave
Officer
Director
Common
Charles Schwab & Co., Inc.
3000 Schwab Way
Westlake
TX
76262
3153
84902.00
82670997
05/23/2023
NASDAQ
Common
05/22/2023
Restricted Stock Lapse - See Remarks
Upstart Holdings, Inc.
N
3153
05/22/2023
Equity Compensation
Y
Shares sold to cover tax obligation from settlement of vested Restricted Stock Units
05/23/2023
DAVID GIROUARD