# Which large banks use Upstart? Source: https://www.bankingnewsai.com/banks/leaders/use-upstart Last updated: Oct 30, 2026 Checked 2026-10-28 · bank profiles. Nothing on this page is written by a model: every row is computed from that dataset. On the public record as of Oct 28, 2026, 4 of the 141 large banks profiled have a dated, sourced profile entry naming Upstart (a use case, a timeline move, a platform note or a vendor-page customer record). Ranked by entries naming Upstart, the top 4 are FNBO (8 entries), Beacon Bank (5 entries), First Financial Bank (2 entries) and Columbia (1 entry). FNBO's strongest evidence: Upstart AI personal loans (nationwide expansion) (use case, rolling out, Dec 8, 2021). ## Which of the large banks use Upstart? | # | Bank | Entries naming Upstart | Strongest entry | Status | Date | On this site | Sources | | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | 8 | Upstart AI personal loans (nationwide expansion) (use case, rolling out, Dec 8, 2021) | Rolling out | Dec 8, 2021 | [FNBO profile](https://www.bankingnewsai.com/banks/fnbo#where) | [FNBO and Upstart (Business Wire)](https://www.businesswire.com/news/home/20211208005384/en/First-National-Bank-of-Omaha-Expands-Personal-Loans-Powered-by-Upstart); [American Banker](https://www.americanbanker.com/news/the-banks-warming-to-ai-based-lending) | | 2 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | 5 | Berkshire sells its remaining Upstart loans (move, May 12, 2025) | Mentioned | May 12, 2025 | [Beacon Bank profile](https://www.bankingnewsai.com/banks/beacon#timeline) | [Berkshire Hills Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000110813425000007/bhlb-20250331.htm); [Berkshire Hills Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000110813424000003/bhlb-20231231.htm) | | 3 | [First Financial Bank](https://www.bankingnewsai.com/banks/first-financial-ohio) | 2 | Upstart Referral Network personal loans (use case, announced, Apr 14, 2021) | Announced | Apr 14, 2021 | [First Financial Bank profile](https://www.bankingnewsai.com/banks/first-financial-ohio#where) | [Upstart (Business Wire)](https://businesswire.com/news/home/20210414005295/en) | | 4 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | 1 | Hilliard Terry III, Director; Technology Committee member (also a director of Upstart Holdings since 2019) (leader, Mar 31, 2026) | Mentioned | Mar 31, 2026 | [Columbia profile](https://www.bankingnewsai.com/banks/columbia#people) | [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm) | ## How is this ranked? Data: the 141 bank profiles on this site (lib/banks), every entry dated and sourced. Rule: A bank is listed when at least one use case, timeline move, platform note, section row, number, quote or leader entry on its profile matches the pattern Upstart. Score = number of matching entries. Order: entries, then banks with a matching use case in production, then the newest entry. An entry that only restricts or blocks the vendor's tool is kept, marked "Restricted" and sorted last. Counts: 4 of 141 profiled banks qualify; 6 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30. ## What are the caveats? Naming Upstart on the public record is evidence of a relationship, a pilot or a policy, not of contract size or exclusivity; many banks use several providers and do not name them all. Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources. ## FAQ ### Which bank ranks first? First National Bank of Omaha (FNBO) leads with 8 entries: Upstart AI personal loans (nationwide expansion) (use case, rolling out, Dec 8, 2021). Beacon Bank is second with 5. ### How many large banks name Upstart in sourced AI records? 4 of the 141 profiled banks (120 US, 21 non-US groups). Among those listed, 4 are US banks and 0 non-US groups. ### What counts, and what does not? A bank is listed when at least one use case, timeline move, platform note, section row, number, quote or leader entry on its profile matches the pattern Upstart. Score = number of matching entries. Order: entries, then banks with a matching use case in production, then the newest entry. An entry that only restricts or blocks the vendor's tool is kept, marked "Restricted" and sorted last. Source: the 141 bank profiles on this site (lib/banks), every entry dated and sourced. ### Is this a measure of capability? No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works. ### When was this checked, and how often does it update? The data behind the table was last checked on 2026-10-28 (bank profiles). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand. ## Related questions - [Which large banks use OpenAI?](https://www.bankingnewsai.com/banks/leaders/use-openai) - [Which large banks use Anthropic?](https://www.bankingnewsai.com/banks/leaders/use-anthropic) - [Which large banks use Microsoft?](https://www.bankingnewsai.com/banks/leaders/use-microsoft) - [Which large banks use Google Cloud?](https://www.bankingnewsai.com/banks/leaders/use-google-cloud) - [Which large banks use AWS?](https://www.bankingnewsai.com/banks/leaders/use-aws) - [Which large banks use several AI model providers?](https://www.bankingnewsai.com/banks/leaders/multiple-ai-model-providers) - [Which large banks have built proprietary AI platforms?](https://www.bankingnewsai.com/banks/leaders/proprietary-ai-platforms) - [Which large banks use Azure OpenAI?](https://www.bankingnewsai.com/banks/leaders/use-azure-openai) - [All ranked answers](https://www.bankingnewsai.com/banks/leaders) --- Canonical page: https://www.bankingnewsai.com/banks/leaders/use-upstart Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (45 authorities, 260 documents) and AI-strategy profiles of the 120 largest US banks. 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