X0508 4 2025-11-20 0 0001647639 Upstart Holdings, Inc. UPST 0001833851 Mirgorodskaya Natalia C/O UPSTART HOLDINGS, INC. 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403 0 1 0 0 See Remarks 0 Common Stock 2025-11-20 4 M 0 6900 35.58 A 27981 D Common Stock 2025-11-20 4 S 0 741 36.582 D 27240 D Common Stock 2025-11-20 4 S 0 80 36.95 D 27160 D Employee Stock Option (Right to buy) 1.35 2025-11-20 4 M 0 6900 0 D 2026-12-28 Common Stock 6900 4600 D Certain of these securities are restricted stock units (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. 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 $35.935 to $36.85. 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. All of the shares subject to this option are fully vested and exercisable as of the date hereof. /s/ Steven Madrid, by power of attorney 2025-11-24