Application Solution: Option One found its solution in ILOG JRules, an ILOG business rule management system, as the foundation for its automated mortgage pre-qualification system and underwriting system. Using ILOG JRules, Option One upgraded its pre-qualification system, accelerating loan application processing and time to market for new loan products. Option One used ILOG JRules to provide faster turnaround times on loan qualifications and loan approvals, increase decision making flexibility, and improve risk management for regulatory compliance. ILOG's JRules provides a centralized business rule repository that enables rapid changes and has the flexibility to delegate rule changes within IT or to certified business users outside of IT.