{"id":988374,"date":"2026-08-03T09:13:12","date_gmt":"2026-08-03T13:13:12","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/"},"modified":"2026-08-03T09:13:12","modified_gmt":"2026-08-03T13:13:12","slug":"upstart-publishes-july-2026-originations-and-latest-umi","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/","title":{"rendered":"Upstart Publishes July 2026 Originations and Latest UMI"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwblockalignc { margin-left: auto; margin-right: auto }\n.bwcellpmargin { margin-bottom: 0px; margin-top: 0px }\n.bwleftsingle { border-left: solid black 1pt }\n.bwpadb3 { padding-bottom: 4px }\n.bwpadl0 { padding-left: 0px }\n.bwpadr0 { padding-right: 0px }\n.bwrightsingle { border-right: solid black 1pt }\n.bwsinglebottom { border-bottom: solid black 1pt }\n.bwtablemarginb { margin-bottom: 10px }\n.bwtopsingle { border-top: solid black 1pt }\n.bwvertalignt { vertical-align: top }\n.bwwidth100 { width: 100% }\n.bwwidth14 { width: 14% }\n.bwwidth19 { width: 19% }\n.bwwidth24 { width: 24% }\n.bwwidth43 { width: 43% }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>Upstart Publishes July 2026 Originations and Latest UMI<\/b><\/p>\n<p>BURLINGAME, Calif.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nUpstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today published its monthly origination volume for July 2026 and its latest Upstart Macro Index (UMI) reading. For historical data and more information, see <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fupstart.com%2Fvolume&amp;esheet=54582145&amp;newsitemid=20260803158614&amp;lan=en-US&amp;anchor=upstart.com%2Fvolume&amp;index=1&amp;md5=9bdff18a1491daae9f2366db6f661851\">upstart.com\/volume<\/a> and <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fupstart.com%2Fumi&amp;esheet=54582145&amp;newsitemid=20260803158614&amp;lan=en-US&amp;anchor=upstart.com%2Fumi&amp;index=2&amp;md5=12c5bc0f566e38d523c7b8dc810ff81a\">upstart.com\/umi<\/a>.<\/p>\n<p><b>Monthly Origination Volume<\/b><\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwwidth100 bwblockalignc\">\n<tr>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth14\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Period<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth19\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Originations<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Origination days<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth43\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Originations, Dollars per day<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth14\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\nJuly 2026<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwwidth19\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n$1,397.4M<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwpadb3 bwwidth24 bwvertalignt bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n27.4<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwwidth43\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n$51.0M<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p><b>August 3, 2026 UMI<\/b><\/p>\n<p>\nThe current UMI is 1.50, up slightly from the July 8, 2026 reading of 1.49, and is the highest level since January 2026. For reference, a UMI of 1.50 is approximately 50% above what Upstart would expect in a normal economy (a UMI of 1.0), up from about 49% above normal in the prior reading. UMI has remained above 1.0 since early 2022, reflecting a sustained period of elevated default risk relative to Upstart&#8217;s long-run baseline, but remains below the series&#8217; peak of 1.68, reached in 2024.<\/p>\n<p><b>About Upstart Origination Volume<\/b><\/p>\n<p>\n\u201cOriginations\u201d refers to Transaction Volume, Dollars, one of the key operating metrics Upstart reports in its quarterly and annual filings with the Securities and Exchange Commission (\u201cSEC\u201d). Transaction Volume, Dollars is defined as the total principal amount of loan originations (or committed amounts for HELOCs and draws for Cash Line) facilitated through Upstart\u2019s marketplace during the periods presented.<\/p>\n<p>\n\u201cOrigination days\u201d represent the effective number of funding days in a month, based on a 24-hour funding window starting and ending at approximately 5:00 p.m. Eastern Time. Each business day counts as 1.0 day in Upstart\u2019s calculation. Weekend days and bank holidays are weighted at 0.55 days to reflect lower application activity and are rolled forward to the next business day, when those loans are typically funded. If month-end falls on a weekend or bank holiday, originations from that period are attributed to the following month.<\/p>\n<p>\n\u201cOriginations, Dollars per day\u201d is calculated as total \u201cOriginations\u201d divided by the number of \u201cOrigination days\u201d in the applicable period. See <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fupstart.com%2Fvolume&amp;esheet=54582145&amp;newsitemid=20260803158614&amp;lan=en-US&amp;anchor=upstart.com%2Fvolume&amp;index=3&amp;md5=674ef9b64861dad08b7b7387ed4af3c5\">upstart.com\/volume<\/a> for more information.<\/p>\n<p><b>About UMI<\/b><\/p>\n<p>\nThe Upstart Macro Index (UMI) estimates the impact of the macroeconomy on credit losses for Upstart-powered loans. The UMI is a simplified representation, using Upstart&#8217;s personal loan data, of the full suite of models and techniques Upstart has developed for assessing macroeconomic risk in lending. These may be used to different extents in the underwriting of each loan product, with personal loans generally using them most fully.<\/p>\n<p>\nUpstart regularly recalibrates its underwriting model based on its latest read of macroeconomic conditions, and the published UMI is a close proxy for that read. Each new UMI reading is meant to give investors and capital partners a view into two things: (1) the macroeconomic risk assumptions currently factored into the pricing and approval of new loans, and (2) a directional sense of how Upstart&#8217;s existing loans are performing \u2014 which depends largely on the actual risk level assumed when those loans were originally underwritten. See <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.upstart.com%2Fumi&amp;esheet=54582145&amp;newsitemid=20260803158614&amp;lan=en-US&amp;anchor=upstart.com%2Fumi&amp;index=4&amp;md5=a7144832ec3f87a8a0f4eda646a72868\">upstart.com\/umi<\/a> for more information.<\/p>\n<p><b>About Upstart<\/b><\/p>\n<p>\nUpstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart\u2019s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart\u2019s platform includes personal loans, automotive loans, home equity lines of credit, and Upstart\u2019s new Cash Line product, a revolving line of credit. Upstart is based in Burlingame, California.<\/p>\n<p><b>Legal Disclaimer<\/b><\/p>\n<p>\nThe Originations and Originations, Dollars per day data (\u201cOriginations Data\u201d) provided in this press release are unaudited, preliminary, and subject to completion of our financial closing procedures in connection with our quarterly financial results as reported in our filings with the SEC, which are also available on our Investor Relations website. While Originations Data have historically been the largest predictor of our total revenue, this historical correlation is not a guaranteed indicator for future final results. The Originations Data are presented without commentary and should be read together with our quarterly and annual financial results and our filings with the SEC.<\/p>\n<p>\nPast UMI performance can provide no assurance and is not indicative of future UMI results. UMI is based on historical data and Upstart\u2019s analysis of the losses within Upstart-powered loan portfolios and is specific to Upstart\u2019s borrower base. UMI is not intended to measure the macroeconomic risks in terms of losses of loan portfolios or asset classes that are not Upstart-powered loans, including loans held by other segments of the U.S. population. It is not designed to measure the current state of the overall economy or to measure or predict future macroeconomic conditions, trends or risks. While UMI may provide a directional sense of how Upstart&#8217;s existing loans are performing, it is also not designed to measure or predict the future performance of Upstart-powered loans or of Upstart\u2019s other products, overall financial results of operations or stock price. We expect that our research and development efforts to improve UMI could result in changes or revisions to current or past UMI values or to our UMI methodology in the future.<\/p>\n<p>\nAll forward-looking statements or information in this press release are subject to risks and uncertainties that may cause actual results to differ materially from those that Upstart expected. Any forward-looking statements or information are only as of the date hereof. Upstart undertakes no obligation to update or revise any forward-looking statements as a result of new information, future events or otherwise. More information about these risks and uncertainties is provided in Upstart\u2019s public filings with the SEC, copies of which may be obtained by visiting Upstart\u2019s investor relations website at ir.upstart.com or the SEC\u2019s website at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.sec.gov&amp;esheet=54582145&amp;newsitemid=20260803158614&amp;lan=en-US&amp;anchor=www.sec.gov&amp;index=5&amp;md5=44ef9283a289f3e2b2f277f4c0ce8a57\">www.sec.gov<\/a>.<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260803158614r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20260803158614\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260803158614\/en\/<\/a><\/span><\/p>\n<p><b>Investors<br \/>\n<\/b><br \/>Sonya Banerjee<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:ir@upstart.com\">ir@upstart.com<br \/>\n<\/a><\/p>\n<p><b>Press<br \/>\n<\/b><br \/>Eric Smith<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:press@upstart.com\">press@upstart.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> California United States North America<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Technology Finance Banking Other Technology Professional Services Software Internet Data Analytics Artificial Intelligence<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20260803158614\/en\/2519566\/3\/Horizontal-Logo-Primary.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Upstart Publishes July 2026 Originations and Latest UMI BURLINGAME, Calif.&#8211;(BUSINESS WIRE)&#8211; Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today published its monthly origination volume for July 2026 and its latest Upstart Macro Index (UMI) reading. For historical data and more information, see upstart.com\/volume and upstart.com\/umi. Monthly Origination Volume Period Originations Origination days Originations, Dollars per day July 2026 $1,397.4M 27.4 $51.0M August 3, 2026 UMI The current UMI is 1.50, up slightly from the July 8, 2026 reading of 1.49, and is the highest level since January 2026. For reference, a UMI of 1.50 is approximately 50% above what Upstart would expect in a normal economy (a UMI of 1.0), up from about 49% above &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Upstart Publishes July 2026 Originations and Latest UMI&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-988374","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Upstart Publishes July 2026 Originations and Latest UMI - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Upstart Publishes July 2026 Originations and Latest UMI - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"Upstart Publishes July 2026 Originations and Latest UMI BURLINGAME, Calif.&#8211;(BUSINESS WIRE)&#8211; Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today published its monthly origination volume for July 2026 and its latest Upstart Macro Index (UMI) reading. For historical data and more information, see upstart.com\/volume and upstart.com\/umi. Monthly Origination Volume Period Originations Origination days Originations, Dollars per day July 2026 $1,397.4M 27.4 $51.0M August 3, 2026 UMI The current UMI is 1.50, up slightly from the July 8, 2026 reading of 1.49, and is the highest level since January 2026. For reference, a UMI of 1.50 is approximately 50% above what Upstart would expect in a normal economy (a UMI of 1.0), up from about 49% above &hellip; Continue reading &quot;Upstart Publishes July 2026 Originations and Latest UMI&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-03T13:13:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260803158614r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/upstart-publishes-july-2026-originations-and-latest-umi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/upstart-publishes-july-2026-originations-and-latest-umi\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"Upstart Publishes July 2026 Originations and Latest UMI\",\"datePublished\":\"2026-08-03T13:13:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/upstart-publishes-july-2026-originations-and-latest-umi\\\/\"},\"wordCount\":1014,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/upstart-publishes-july-2026-originations-and-latest-umi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20260803158614r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/upstart-publishes-july-2026-originations-and-latest-umi\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/upstart-publishes-july-2026-originations-and-latest-umi\\\/\",\"name\":\"Upstart Publishes July 2026 Originations and Latest UMI - 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Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/","og_locale":"en_US","og_type":"article","og_title":"Upstart Publishes July 2026 Originations and Latest UMI - Market Newsdesk","og_description":"Upstart Publishes July 2026 Originations and Latest UMI BURLINGAME, Calif.&#8211;(BUSINESS WIRE)&#8211; Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today published its monthly origination volume for July 2026 and its latest Upstart Macro Index (UMI) reading. For historical data and more information, see upstart.com\/volume and upstart.com\/umi. Monthly Origination Volume Period Originations Origination days Originations, Dollars per day July 2026 $1,397.4M 27.4 $51.0M August 3, 2026 UMI The current UMI is 1.50, up slightly from the July 8, 2026 reading of 1.49, and is the highest level since January 2026. For reference, a UMI of 1.50 is approximately 50% above what Upstart would expect in a normal economy (a UMI of 1.0), up from about 49% above &hellip; Continue reading \"Upstart Publishes July 2026 Originations and Latest UMI\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/","og_site_name":"Market Newsdesk","article_published_time":"2026-08-03T13:13:12+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260803158614r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"Upstart Publishes July 2026 Originations and Latest UMI","datePublished":"2026-08-03T13:13:12+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/"},"wordCount":1014,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260803158614r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/upstart-publishes-july-2026-originations-and-latest-umi\/","name":"Upstart Publishes July 2026 Originations and Latest UMI - 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