Loquat trees do not do well in the cold. They are really only hardy to zone 8 at best. They can live in zone 7 areas that have mild winters, but they are not considered cold hardy, and they will probably not bloom or produce fruit in temperatures below 32 degrees Fahrenheit, even if they can tolerate temperatures down to 10 F. They also will probably not produce much fruit in temperatures that are too hot, such as zone 11.