diff --git a/token-lending/program/src/math/rate.rs b/token-lending/program/src/math/rate.rs
index c956491337d..c404c8ff2b8 100644
--- a/token-lending/program/src/math/rate.rs
+++ b/token-lending/program/src/math/rate.rs
@@ -51,11 +51,6 @@ impl Rate {
         U128::from(WAD)
     }
 
-    // OPTIMIZE: use const slice when fixed in BPF toolchain
-    fn half_wad() -> U128 {
-        U128::from(HALF_WAD)
-    }
-
     /// Create scaled decimal from percent value
     pub fn from_percent(percent: u8) -> Self {
         Self(U128::from(percent as u64 * PERCENT_SCALER))
@@ -72,16 +67,6 @@ impl Rate {
         Self(U128::from(scaled_val))
     }
 
-    /// Round scaled decimal to u64
-    pub fn try_round_u64(&self) -> Result<u64, ProgramError> {
-        let rounded_val = Self::half_wad()
-            .checked_add(self.0)
-            .ok_or(LendingError::MathOverflow)?
-            .checked_div(Self::wad())
-            .ok_or(LendingError::MathOverflow)?;
-        Ok(u64::try_from(rounded_val).map_err(|_| LendingError::MathOverflow)?)
-    }
-
     /// Calculates base^exp
     pub fn try_pow(&self, mut exp: u64) -> Result<Rate, ProgramError> {
         let mut base = *self;
diff --git a/token-lending/program/src/state/reserve.rs b/token-lending/program/src/state/reserve.rs
index c29fa280a7a..fd51af49ce5 100644
--- a/token-lending/program/src/state/reserve.rs
+++ b/token-lending/program/src/state/reserve.rs
@@ -553,9 +553,8 @@ pub struct CollateralExchangeRate(Rate);
 impl CollateralExchangeRate {
     /// Convert reserve collateral to liquidity
     pub fn collateral_to_liquidity(&self, collateral_amount: u64) -> Result<u64, ProgramError> {
-        Decimal::from(collateral_amount)
-            .try_div(self.0)?
-            .try_round_u64()
+        self.decimal_collateral_to_liquidity(collateral_amount.into())?
+            .try_floor_u64()
     }
 
     /// Convert reserve collateral to liquidity
@@ -568,7 +567,8 @@ impl CollateralExchangeRate {
 
     /// Convert reserve liquidity to collateral
     pub fn liquidity_to_collateral(&self, liquidity_amount: u64) -> Result<u64, ProgramError> {
-        self.0.try_mul(liquidity_amount)?.try_round_u64()
+        self.decimal_liquidity_to_collateral(liquidity_amount.into())?
+            .try_floor_u64()
     }
 
     /// Convert reserve liquidity to collateral
@@ -662,9 +662,9 @@ impl ReserveFees {
         if borrow_fee_rate > Rate::zero() && amount > Decimal::zero() {
             let need_to_assess_host_fee = host_fee_rate > Rate::zero();
             let minimum_fee = if need_to_assess_host_fee {
-                2 // 1 token to owner, 1 to host
+                2u64 // 1 token to owner, 1 to host
             } else {
-                1 // 1 token to owner, nothing else
+                1u64 // 1 token to owner, nothing else
             };
 
             let borrow_fee_amount = match fee_calculation {
@@ -678,14 +678,18 @@ impl ReserveFees {
                 }
             };
 
-            let borrow_fee = borrow_fee_amount.try_round_u64()?.max(minimum_fee);
-            if Decimal::from(borrow_fee) >= amount {
+            let borrow_fee_decimal = borrow_fee_amount.max(minimum_fee.into());
+            if borrow_fee_decimal >= amount {
                 msg!("Borrow amount is too small to receive liquidity after fees");
                 return Err(LendingError::BorrowTooSmall.into());
             }
 
+            let borrow_fee = borrow_fee_decimal.try_round_u64()?;
             let host_fee = if need_to_assess_host_fee {
-                host_fee_rate.try_mul(borrow_fee)?.try_round_u64()?.max(1)
+                borrow_fee_decimal
+                    .try_mul(host_fee_rate)?
+                    .try_round_u64()?
+                    .max(1u64)
             } else {
                 0
             };