Synthetic Pawn Loan Activity for New York, 13,675 Records

13,675 synthetic records model pawn loan activity by category, amount, duration, and region for King Gold & Pawn, a multi-location lender in New York. The dataset, created by gene fur and released on 2026-04-09, simulates baseline operating conditions with steady category mix and realistic outliers. It is designed for research and modeling, containing no real customer-level data.

Use Cases

• Modeling loan default risk based on repeat customer status and regional data.
• Analyzing loan amount distributions and heavy-tailed financial behavior.
• Simulating pawn shop portfolio performance under baseline economic conditions.
• Researching loan-to-value (LTV) constraints and their relationship with collateral categories.

Strengths

• Contains 13,675 rows of synthetic data, providing a substantial base for modeling.
• Has a defined realism score of 1.0 for the baseline scenario.
• Includes specific, quantified observations such as a 95th percentile loan amount 4.90x the median and a 4.3% default rate for repeat customers.
• Available in multiple formats (CSV, JSON, Parquet) and is mirrored on several platforms (Zenodo, OpenML, Kaggle).

Limitations

• Column-level documentation is absent; field semantics must be inferred after download.
• The data is entirely synthetic, which may limit direct applicability to real-world scenarios without validation.

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 2026-04-09 00:54:52; freshness should be verified.

Geography

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