X0609 4 2026-05-15 0 0001647639 Upstart Holdings, Inc. UPST 0001558259 Darling Scott false C/O UPSTART HOLDINGS, INC. 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403 0 1 0 0 Chief Legal Officer 0 Common Stock 2026-05-15 4 S 0 286 28.8396 D 103864 D Common Stock 2026-05-15 4 S 0 441 29.9949 D 102609 D Common Stock 32451 I See Footnote These shares were sold to cover tax withholding obligations in connection with the vesting of restricted stock units (RSUs). The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $28.44 to $29.27. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price. Certain of these securities are RSUs. Each RSU represents a contingent right to receive one share of Common Stock, subject to the applicable vesting schedule and conditions of each RSU. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $29.58 to $30.54. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price. The shares are held by the Darling Family Trust. The number of shares held reflects the deposit of 814 shares of Common Stock from the Reporting Person to the Darling Family Trust. /s/ Steven Madrid, by power of attorney 2026-05-18