Upstart Mortgage, dba Upstart Home Lending, is a mortgage lender with a technology platform that offers Home Equity Lines of Credit. Your Upstart Home Lending HELOC Account is processed by technology created by its affiliate Upstart Network, Inc. Upstart Home Lending's credit model considers the school you attended, your area of study, and employment history in addition to your credit history. This enables Upstart Home Lending to offer you a smarter rate on your HELOC Account.