diff --git a/lib/bcoin/chain.js b/lib/bcoin/chain.js
index 1b16b395..fd5d3fa9 100644
--- a/lib/bcoin/chain.js
+++ b/lib/bcoin/chain.js
@@ -2384,6 +2384,10 @@ Chain.prototype.checkFinal = function checkFinal(prev, tx, flags, callback) {
     return callback(null, tx.isFinal(height, ts));
   }
 
+  // We can skip MTP if the locktime is height.
+  if (tx.locktime < constants.LOCKTIME_THRESHOLD)
+    return utils.asyncify(check)(null, -1);
+
   if (flags & constants.flags.MEDIAN_TIME_PAST)
     return prev.getMedianTimeAsync(check);