www.upstart.com speed test — 20 Oct 2026
Measured from the wfix.shop server on 20 October 2026 at 14:55 UTC. Grade C (75/100), with the screenshots, the timings and the fixes that matter.
Where the first byte went
- DNS lookup 57 ms 9%
- TCP connect 25 ms 4%
- Server wait 556 ms 87%
Measured on the connection that fetched the HTML. Every other request on the page waits for the end of this bar before it can start.
How this page compares
Every report published here is in this comparison, so it is a reference population of pages tested from one server - not a benchmark of the whole web.
What these numbers mean
- The first byte took 638 ms. Everything else waits for that number, so the server is where to start: caching, a slow query, or an overloaded host.
- The page transfers 1.93 MB over 26 request(s). Images files are 83% of it, so resize and recompress the largest images before anything else.
- The HTML itself arrives br-compressed.
- It runs over HTTP/3, so the assets share a connection instead of opening one each.
- The largest element painted at 540 ms, inside the 2.5 s Google calls good.
- Layout stayed still (CLS 0.001), so nothing jumps under the reader's cursor.
- The main thread was blocked for 276 ms, so taps and scrolling wait while scripts run.
Fix first: Server response time (TTFB) - Cut server think time: page cache, query indexes, fewer synchronous calls to third parties inside the request. Connection setup is distance, so a nearer region or a CDN edge helps instead.
Read on one shared server, not a visitor's phone: use it to compare pages against each other, not as a promise about every connection. We fix what these tests find.
Screenshot
What the page looks like
Loaded in headless Chromium on this server. Click an image to open it full size.
Browser render
The same URL loaded in a real browser, so these are the readings curl cannot produce. The grade above is still built from the server measurements.
Page weight by type
What the page is made of
Transfer size, compressed as sent. 26 request(s) in total, 1.93 MB across all of them.
Top issues
Server response time (TTFB)
high impactThe first byte arrived after 638 ms. Of that, 556 ms was the server thinking and 82 ms was connection setup. A first byte under 400 ms is what a visitor feels as instant.
Fix: Cut server think time: page cache, query indexes, fewer synchronous calls to third parties inside the request. Connection setup is distance, so a nearer region or a CDN edge helps instead.
Image delivery and format
high impact2 image(s) over 200 KB and 0 large image(s) still served as JPEG or PNG.
Fix: Serve WebP or AVIF with a JPEG fallback, size images to the space they occupy, and lazy-load anything below the fold. Images are usually more than half of a slow page.
Render-blocking resources
high impact15 render-blocking resource(s) in the document head (1 script(s), 14 stylesheet(s)). The page cannot paint until each one arrives.
Fix: Add defer or async to scripts that do not change the first paint, inline the critical CSS, and load the rest with media="print" plus an onload swap.
Total page weight
high impactThe page transfers 1.93 MB across 26 request(s), with the document itself at 46.4 KB.
Fix: Work through the heaviest assets first: images, then fonts, then third-party scripts.
Avoid extra redirects
medium impact1 redirect hop(s) before the page load started, each one a full round trip before the first byte.
Fix: Link to the canonical URL (and make sure http, the apex domain and www all point at it) so no visitor pays a redirect first.
Waterfall
Slowest requests
Each bar is one request's own response time, scaled to the slowest. Assets were fetched in parallel, so the bars overlap in real time rather than stacking. first party third party
| Request | Type | Status | Time | Size |
|---|---|---|---|---|
| https://www.upstart.com/static-tofu/_next/static/chunks/app/%5Bcode%5D/layout-733895c98df287fd.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 1.00 s | 1.8 KB |
| https://www.upstart.com/static-tofu/_next/static/media/heloc.9eb753c3.webp?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 958 ms | 6.1 KB |
| https://www.upstart.com/static-tofu/_next/static/media/hero.3c576826.webp?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 939 ms | 454.6 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/8732-6324c005499b535c.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 938 ms | 60.1 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/7957-7f5fa6f4295ca766.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 932 ms | 4.2 KB |
| https://www.upstart.com/static-tofu/_next/static/media/equalHousingIcon.249d52af.png | images | 200 | 932 ms | 2.8 KB |
| https://www.upstart.com/static-tofu/_next/static/media/arrowRight.6a36da12.svg?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 929 ms | 189 B |
| https://www.upstart.com/static-tofu/_next/static/media/sdl.b70ce73a.webp?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 922 ms | 19.7 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/3171-144bb9ac0b3076c4.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 921 ms | 90.9 KB |
| https://www.upstart.com/static-tofu/_next/static/media/heroMobile.8eb9429e.webp?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 918 ms | 35.1 KB |
| https://www.upstart.com/static-tofu/_next/static/media/personalLoans.abfa8fd8.webp?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 918 ms | 19.2 KB |
| https://www.upstart.com/static-tofu/_next/static/media/cashLine.8caa701f.webp?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 918 ms | 10.0 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/4507-4728997c66e9fdab.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 918 ms | 3.9 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/9041-40844ac2478455a5.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 916 ms | 7.8 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/main-app-a7bae7e01949dfbf.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 916 ms | 217 B |
| https://www.upstart.com/static-tofu/_next/static/media/ccpa-opt-out.783b3784.svg | images | 200 | 911 ms | 781 B |
| https://www.upstart.com/static-tofu/_next/static/chunks/9077-e1c425afc408f4ca.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 905 ms | 5.6 KB |
| https://www.upstart.com/static-tofu/_next/static/media/cashLineIcon.b2d317ec.svg?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 889 ms | 2.2 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/8653-97767a8619a8b1c7.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 886 ms | 2.4 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/3037-16a11b4a47cdb5a1.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 885 ms | 25.4 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/7697-1a2990cbb34ac169.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 885 ms | 15.1 KB |
| https://www.upstart.com/static-tofu/_next/static/media/loanStepsHero.2c6124e2.webp?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | images | 200 | 883 ms | 1.06 MB |
| https://www.upstart.com/static-tofu/_next/static/chunks/4bd1b696-e64c0ef818aa7a9f.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 883 ms | 62.0 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/2010-7fef4842ff0ce92e.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 883 ms | 13.5 KB |
| https://www.upstart.com/static-tofu/_next/static/chunks/app/layout-cb8d3123bc9546f7.js?dpl=dpl_KfGQ7u8hq1vgowh49Sg88ss8imXR | javascript | 200 | 883 ms | 3.4 KB |
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