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They forgot the 10's of thousands in the mtg industry who are on commission who are out of work/business who will not show up on this.

Not entirely sure to which "this" you referred.

Being 'on commission' would not disqualify them for Unemployment Insurance claims nor exclude them from being counted as unemployed. How one's pay is calculated is not the consideration.

What matters is if they are employees (employed & paid on a W4/W2 basis) or contractors (engaged and paid on a contract and 1099 or Incorporated basis).

Contractors (regardless of how their invoices or bills are computed - by the hour or by the sale), whose contracts are terminated or not renewed, are not deemed unemployed and thus not eligible for UI, and thus would not appear in the UIclaim reports. However, contractors would be picked up in the Dept of Labor's monthly "Current Employment Situtation" (Jobs) report during the home survey as self-employed but out of work.

I suspect most mortgage brokers and processors are in fact W2 employees, and whose layoffs will appear in the UI claims.

But given that CG&C is an Employer/Employment related agency, CG&C may not consider contractors (or temp personal) in their layoff computations.

It's an interesting point. Do you know or have a 'sense' of how many of these workers to which you refer are 'permanent' employees (either full or part-time) or 'temporary' contractors (temps)?

getting down to the nitty gritty. Thanks for the points. "This" was the unemployed.

Can't tell how many are in the contractor category. I do know that 1099's only come out after the end of the taxable year. In our situation, approximately 25% are contract and have 0 benefits and are paid with a corporate check, no deductions and therefore no reporting.

ps: There are also a lot of commissions that are paid with no deductions. Checks for the most part come straight out of escrow. Once again, no reporting, no employee and for that fact, no employer.