Upstart Holdings, Inc. (UPST) · Insider Trading (Form 4) SEC Filing

=== SEC Form 4 — Statement of Changes in Beneficial Ownership === Document Type: 4 Period of Report: 2026-05-29 10b5-1 Pre-arranged Plan: No --- Issuer --- Name: Upstart Holdings, Inc. (UPST) CIK: 0001647639 --- Reporting Owner --- Name: Cooper Kerry Whorton CIK: 0001817263 Role: Director --- Non-Derivative Transactions --- [Transaction #1] Security: Common Stock Date: 2026-05-29 | Code: A (Grant or award) Shares: +6,476 | Price: $0.00 Shares Owned After: 6,476 | Ownership: D (Direct) Footnotes: [F1] These securities are restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Common Stock. 100% of the RSUs shall vest on the earlier of May 29, 2027 or the day prior to the date of the Issuer's 2027 annual meeting of stockholders, subject to the Reporting Person continuing as a service provider through such date. --- Holdings --- [Holding #1] Security: Common Stock Ownership: I (Indirect) Footnotes: [F2] Shares held in the Reporting Person's Individual Retirement Account (IRA). [Holding #2] Security: Common Stock Ownership: I (Indirect) Footnotes: [F3] These shares are held by the Edward and Kerry Cooper Living Trust, for which the Reporting Person and her spouse serve as co-trustees. [F4] The number of shares held reflects the deposit of 4,314 shares of Common Stock from the Reporting Person to the Edward and Kerry Cooper Living Trust. --- Footnotes (Complete Index) --- F1: These securities are restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Common Stock. 100% of the RSUs shall vest on the earlier of May 29, 2027 or the day prior to the date of the Issuer's 2027 annual meeting of stockholders, subject to the Reporting Person continuing as a service provider through such date. F2: Shares held in the Reporting Person's Individual Retirement Account (IRA). F3: These shares are held by the Edward and Kerry Cooper Living Trust, for which the Reporting Person and her spouse serve as co-trustees. F4: The number of shares held reflects the deposit of 4,314 shares of Common Stock from the Reporting Person to the Edward and Kerry Cooper Living Trust. --- Signature --- /s/ /s/ Steven Madrid, by power of attorney (2026-06-02)