diff --git a/fs/xfs/xfs_reflink.c b/fs/xfs/xfs_reflink.c
index 59f7fc16eb80..580469668334 100644
--- a/fs/xfs/xfs_reflink.c
+++ b/fs/xfs/xfs_reflink.c
@@ -786,35 +786,20 @@ xfs_reflink_update_quota(
  * requirements as low as possible.
  */
 STATIC int
-xfs_reflink_end_cow_extent(
+xfs_reflink_end_cow_extent_locked(
 	struct xfs_inode	*ip,
 	xfs_fileoff_t		*offset_fsb,
-	xfs_fileoff_t		end_fsb)
+	xfs_fileoff_t		end_fsb,
+	struct xfs_trans	*tp,
+	bool			*commit)
 {
 	struct xfs_iext_cursor	icur;
 	struct xfs_bmbt_irec	got, del, data;
-	struct xfs_mount	*mp = ip->i_mount;
-	struct xfs_trans	*tp;
 	struct xfs_ifork	*ifp = xfs_ifork_ptr(ip, XFS_COW_FORK);
-	unsigned int		resblks;
 	int			nmaps;
 	bool			isrt = XFS_IS_REALTIME_INODE(ip);
 	int			error;
 
-	resblks = XFS_EXTENTADD_SPACE_RES(mp, XFS_DATA_FORK);
-	error = xfs_trans_alloc(mp, &M_RES(mp)->tr_write, resblks, 0,
-			XFS_TRANS_RESERVE, &tp);
-	if (error)
-		return error;
-
-	/*
-	 * Lock the inode.  We have to ijoin without automatic unlock because
-	 * the lead transaction is the refcountbt record deletion; the data
-	 * fork update follows as a deferred log item.
-	 */
-	xfs_ilock(ip, XFS_ILOCK_EXCL);
-	xfs_trans_ijoin(tp, ip, 0);
-
 	/*
 	 * In case of racing, overlapping AIO writes no COW extents might be
 	 * left by the time I/O completes for the loser of the race.  In that
@@ -823,7 +808,7 @@ xfs_reflink_end_cow_extent(
 	if (!xfs_iext_lookup_extent(ip, ifp, *offset_fsb, &icur, &got) ||
 	    got.br_startoff >= end_fsb) {
 		*offset_fsb = end_fsb;
-		goto out_cancel;
+		return 0;
 	}
 
 	/*
@@ -837,7 +822,7 @@ xfs_reflink_end_cow_extent(
 		if (!xfs_iext_next_extent(ifp, &icur, &got) ||
 		    got.br_startoff >= end_fsb) {
 			*offset_fsb = end_fsb;
-			goto out_cancel;
+			return 0;
 		}
 	}
 	del = got;
@@ -846,14 +831,14 @@ xfs_reflink_end_cow_extent(
 	error = xfs_iext_count_extend(tp, ip, XFS_DATA_FORK,
 			XFS_IEXT_REFLINK_END_COW_CNT);
 	if (error)
-		goto out_cancel;
+		return error;
 
 	/* Grab the corresponding mapping in the data fork. */
 	nmaps = 1;
 	error = xfs_bmapi_read(ip, del.br_startoff, del.br_blockcount, &data,
 			&nmaps, 0);
 	if (error)
-		goto out_cancel;
+		return error;
 
 	/* We can only remap the smaller of the two extent sizes. */
 	data.br_blockcount = min(data.br_blockcount, del.br_blockcount);
@@ -882,7 +867,7 @@ xfs_reflink_end_cow_extent(
 		error = xfs_bunmapi(NULL, ip, data.br_startoff,
 				data.br_blockcount, 0, 1, &done);
 		if (error)
-			goto out_cancel;
+			return error;
 		ASSERT(done);
 	}
 
@@ -899,17 +884,49 @@ xfs_reflink_end_cow_extent(
 	/* Remove the mapping from the CoW fork. */
 	xfs_bmap_del_extent_cow(ip, &icur, &got, &del);
 
-	error = xfs_trans_commit(tp);
-	xfs_iunlock(ip, XFS_ILOCK_EXCL);
-	if (error)
-		return error;
-
 	/* Update the caller about how much progress we made. */
 	*offset_fsb = del.br_startoff + del.br_blockcount;
+	*commit = true;
 	return 0;
+}
 
-out_cancel:
-	xfs_trans_cancel(tp);
+
+/*
+ * Remap part of the CoW fork into the data fork.
+ *
+ * We aim to remap the range starting at @offset_fsb and ending at @end_fsb
+ * into the data fork; this function will remap what it can (at the end of the
+ * range) and update @end_fsb appropriately.  Each remap gets its own
+ * transaction because we can end up merging and splitting bmbt blocks for
+ * every remap operation and we'd like to keep the block reservation
+ * requirements as low as possible.
+ */
+STATIC int
+xfs_reflink_end_cow_extent(
+	struct xfs_inode	*ip,
+	xfs_fileoff_t		*offset_fsb,
+	xfs_fileoff_t		end_fsb)
+{
+	struct xfs_mount	*mp = ip->i_mount;
+	struct xfs_trans	*tp;
+	unsigned int		resblks;
+	int			error;
+	bool			commit = false;
+
+	resblks = XFS_EXTENTADD_SPACE_RES(mp, XFS_DATA_FORK);
+	error = xfs_trans_alloc(mp, &M_RES(mp)->tr_write, resblks, 0,
+			XFS_TRANS_RESERVE, &tp);
+	if (error)
+		return error;
+	xfs_ilock(ip, XFS_ILOCK_EXCL);
+	xfs_trans_ijoin(tp, ip, 0);
+
+	error = xfs_reflink_end_cow_extent_locked(ip, offset_fsb,
+					end_fsb, tp, &commit);
+	if (commit)
+		error = xfs_trans_commit(tp);
+	else
+		xfs_trans_cancel(tp);
 	xfs_iunlock(ip, XFS_ILOCK_EXCL);
 	return error;
 }
