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AI lending platform replacing FICO-only underwriting with broader feature ML models. Powers personal, auto, and small-business loans across partner banks and credit unions.
Refreshed weekly
Built on
Custom ML — not a third-party LLM
Product uses custom ML/heuristic models, not a third-party LLM.
Model details
- Model family
- —
- Base model
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- Context window
- —
- Input modalities
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- Output modalities
- —
- Access
- Proprietary
- Pricing
- enterprise
- API available
- Yes
- Model card / docs
- https://www.upstart.com/
Mantle Index
Equity Score
Needs reviewMeasures fairness across demographic groups. Higher is more equitable.
Safety Score
StrongMeasures resistance to harmful outputs. Higher is safer.
Component scores
Component scores
The Equity Score and Safety Score roll up the latest Mantle Index assessment. Component breakdowns and risk-tier justification are available on Pro and Enterprise.
Benchmark sub-scores
Benchmark scores
Security score
Computed from compliance, encryption, data handling, documentation, and vendor contacts — multiplied by research confidence (medium).
5 category scores
Vendor contacts
Contacts on file
Certifications
- SOC 2 Type II
- ISO 27001
Research coverage
0 dimensions fully covered · 0 partially covered.
Supply chain
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Citations
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Recent changes
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