<SEC-DOCUMENT>0001921094-23-000414.txt : 20230719
<SEC-HEADER>0001921094-23-000414.hdr.sgml : 20230719
<ACCEPTANCE-DATETIME>20230719184103
ACCESSION NUMBER:		0001921094-23-000414
CONFORMED SUBMISSION TYPE:	144
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20230719
DATE AS OF CHANGE:		20230719

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Upstart Holdings, Inc.
		CENTRAL INDEX KEY:			0001647639
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				464332431
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		144
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	001-39797
		FILM NUMBER:		231097762

	BUSINESS ADDRESS:	
		STREET 1:		2950 S. DELAWARE STREET, SUITE 300
		CITY:			SAN MATEO
		STATE:			CA
		ZIP:			94403
		BUSINESS PHONE:		(650) 204-1000

	MAIL ADDRESS:	
		STREET 1:		2950 S. DELAWARE STREET, SUITE 300
		CITY:			SAN MATEO
		STATE:			CA
		ZIP:			94403

REPORTING-OWNER:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Mirgorodskaya Natalia
		CENTRAL INDEX KEY:			0001833851

	FILING VALUES:
		FORM TYPE:		144

	MAIL ADDRESS:	
		STREET 1:		C/O UPSTART HOLDINGS, INC.
		STREET 2:		2950 S. DELAWARE STREET, SUITE 300
		CITY:			SAN MATEO
		STATE:			CA
		ZIP:			94403
</SEC-HEADER>
<DOCUMENT>
<TYPE>144
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>144</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001833851</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <issuerInfo>
      <issuerCik>0001647639</issuerCik>
      <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>Mirgorodskaya Natalia</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <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>2000</noOfUnitsSold>
      <aggregateMarketValue>120000.00</aggregateMarketValue>
      <noOfUnitsOutstanding>82670997</noOfUnitsOutstanding>
      <approxSaleDate>07/19/2023</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>07/19/2023</acquiredDate>
      <natureOfAcquisitionTransaction>Employee Stock Option Exercise</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Upstart Holdings, Inc.</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>2000</amountOfSecuritiesAcquired>
      <paymentDate>07/19/2023</paymentDate>
      <natureOfPayment>Broker Payment for Cashless Exercise</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>NATALIA MIRGORODSKAYA</name>
        <address>
          <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>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc.</securitiesClassTitle>
      <saleDate>05/23/2023</saleDate>
      <amountOfSecuritiesSold>637</amountOfSecuritiesSold>
      <grossProceeds>17159.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>NATALIA MIRGORODSKAYA</name>
        <address>
          <com:street1>2950 S. DELAWARE STREET, SUITE 300</com:street1>
          <com:city>SAN MATEO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>4403</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Upstart Holdings, Inc.</securitiesClassTitle>
      <saleDate>05/25/2023</saleDate>
      <amountOfSecuritiesSold>1514</amountOfSecuritiesSold>
      <grossProceeds>42028.00</grossProceeds>
    </securitiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>07/19/2023</noticeDate>
      <planAdoptionDates>
        <planAdoptionDate>11/29/2022</planAdoptionDate>
      </planAdoptionDates>
      <signature>NATALIA MIRGORODSKAYA</signature>
    </noticeSignature>
  </formData>
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
