KGP Synthetic Pawn Loan Activity for New York Regions, 13,375 Records

13,375 synthetic records model pawn loan activity under baseline operating conditions. The dataset, created by gene fur and released on 2026-04-08, ties together collateral mix, loan sizing, durations, and repayment behavior across New York regions including Freeport, Brooklyn, Bronx, and Westchester.

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 loan portfolio performance under baseline economic scenarios.
• Studying the relationship between loan-to-value behavior and collateral category mix.

Strengths

• Contains 13,375 rows of synthetic data for modeling.
• Includes specific realism metrics, such as a 95th percentile loan amount 5.64x the median.
• Provides concrete behavioral statistics, like a 4.2% default rate for repeat customers versus 4.9% for non-repeat borrowers.

Limitations

• Column-level documentation is absent; field semantics must be inferred after download.
• Data is 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 21:56:55; freshness should be verified.

Geography

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