Synthetic Pawn Loan Activity for New York, 12,544 Records

A synthetic dataset of 12,544 pawn loan records under baseline operating conditions, created by gene fur and released on 2026-04-08. It models loan activity by category, amount, duration, and region for the fictional King Gold & Pawn lender in New York. The data includes realistic outliers and moderate seasonal movement.

Use Cases

• Modeling loan default risk based on repeat customer status and repayment behavior.
• Analyzing regional loan patterns across New York locations like Brooklyn and the Bronx.
• Simulating portfolio performance under baseline conditions with steady category mix.
• Studying loan-to-value (LTV) constraints and their relationship with loan sizing and duration.

Strengths

• Contains 12,544 synthetic records with a defined realism score of 1.0.
• Loan amount distribution is characterized, with the 95th percentile about 4.42x the median.
• Includes specific default rate comparisons: 4.0% for repeat customers vs. 4.3% for non-repeat borrowers.

Limitations

• Column-level documentation is absent; field semantics must be inferred after download.
• Data is entirely synthetic and does not contain real customer-level information.

Provenance

Source

gene fur via figshare, with mirrors on Zenodo, OpenML, and Kaggle.

Collection Method

Synthetically generated to model pawn loan activity.

Freshness

Last updated 2026-04-08 21:53:15; freshness should be verified.

Geography

New York, including Freeport, Brooklyn, Bronx, and Westchester.