diff --git a/src/wallet/wallet.h b/src/wallet/wallet.h
--- a/src/wallet/wallet.h
+++ b/src/wallet/wallet.h
@@ -1046,6 +1046,11 @@
     bool IsLocked() const;
     bool Lock();
 
+    /** Interface to assert chain access and if successful lock it */
+    std::unique_ptr<interfaces::Chain::Lock> LockChain() {
+        return m_chain ? m_chain->lock() : nullptr;
+    }
+
     std::map<TxId, CWalletTx> mapWallet GUARDED_BY(cs_wallet);
 
     typedef std::multimap<int64_t, CWalletTx *> TxItems;
@@ -1260,8 +1265,7 @@
 
     void MarkDirty();
     bool AddToWallet(const CWalletTx &wtxIn, bool fFlushOnClose = true);
-    void LoadToWallet(const CWalletTx &wtxIn)
-        EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
+    void LoadToWallet(CWalletTx &wtxIn) EXCLUSIVE_LOCKS_REQUIRED(cs_wallet);
     void TransactionAddedToMempool(const CTransactionRef &tx) override;
     void
     BlockConnected(const CBlock &block,
diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -1234,7 +1234,19 @@
     return true;
 }
 
-void CWallet::LoadToWallet(const CWalletTx &wtxIn) {
+void CWallet::LoadToWallet(CWalletTx &wtxIn) {
+    // If wallet doesn't have a chain (e.g wallet-tool), lock can't be taken.
+    auto locked_chain = LockChain();
+    // If tx hasn't been reorged out of chain while wallet being shutdown
+    // change tx status to UNCONFIRMED and reset hashBlock/nIndex.
+    if (!wtxIn.m_confirm.hashBlock.IsNull()) {
+        if (locked_chain &&
+            !locked_chain->getBlockHeight(wtxIn.m_confirm.hashBlock)) {
+            wtxIn.setUnconfirmed();
+            wtxIn.m_confirm.hashBlock = BlockHash();
+            wtxIn.m_confirm.nIndex = 0;
+        }
+    }
     const TxId &txid = wtxIn.GetId();
     const auto &ins = mapWallet.emplace(txid, wtxIn);
     CWalletTx &wtx = ins.first->second;
@@ -3696,6 +3708,11 @@
 }
 
 DBErrors CWallet::LoadWallet(bool &fFirstRunRet) {
+    // Even if we don't use this lock in this function, we want to preserve
+    // lock order in LoadToWallet if query of chain state is needed to know
+    // tx status. If lock can't be taken (e.g wallet-tool), tx confirmation
+    // status may be not reliable.
+    auto locked_chain = LockChain();
     LOCK(cs_wallet);
 
     fFirstRunRet = false;
@@ -4667,6 +4684,11 @@
         CWallet dummyWallet(chainParams, &chain, WalletLocation(),
                             WalletDatabase::CreateDummy());
         std::string backup_filename;
+        // Even if we don't use this lock in this function, we want to preserve
+        // lock order in LoadToWallet if query of chain state is needed to know
+        // tx status. If lock can't be taken, tx confirmation status may be not
+        // reliable.
+        auto locked_chain = dummyWallet.LockChain();
         if (!WalletBatch::Recover(
                 wallet_path, static_cast<void *>(&dummyWallet),
                 WalletBatch::RecoverKeysOnlyFilter, backup_filename)) {