X0609 4 2026-08-17 0 0001647639 Upstart Holdings, Inc. UPST 0002124464 Blankmeyer Andrea false C/O UPSTART HOLDINGS, INC. 220 PARK ROAD, SUITE 500 BURLINGAME CA 94010 0 1 0 0 Chief Financial Officer 1 Common Stock 2026-08-17 4 S 0 7175 29.3583 D 155208 D Common Stock 2026-08-19 4 S 0 3000 29.33 D 152208 D 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 $29.19 to $29.54. 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 sale reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on May 16, 2026. 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. /s/ Steven Madrid, by power of attorney 2026-08-19