Upstart Publishes October 2026 Originations and Latest UMI
Key Highlights
- ➤October originations $1,249.2M across 25.95 origination days
- ➤October originations $48.1M per origination day
- ➤November 3 UMI 1.53, up from October 5's 1.49
- ➤UMI 1.53 indicates risk 53% above Upstart's normal-economy baseline
- ➤UMI remains below 2024 peak of 1.68
Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today published its monthly origination volume for October 2026 along with the 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 October 2026 $1,249.2M 25.95 $48.1M
The current UMI is 1.53, up relative to our October 5, 2026 UMI of 1.49. For reference, a UMI of 1.53 is approximately 53% above what Upstart would expect in a normal economy (a UMI of 1.0). UMI has remained above 1.0 since early 2022, reflecting a sustained period of elevated default risk relative to Upstart's long-run baseline, but remains below the series' peak of 1.68, reached in 2024.
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