Anna's five loquat trees, grown from seed, have never fruited after 5–10 years. The reason is simple: seedling loquats are genetically variable, often self-infertile, and produce inferior fruit. They're fine as ornamentals or rootstocks, but not for reliable harvests.
For fruit, you need vegetatively propagated trees—grafted or budded onto seedling rootstocks. Grafted trees bear in 2–3 years; seedlings take 8–10 (if ever). Successful methods include shield budding, veneer grafting, and cleft grafting. Air-layering works too, especially with rooting hormone (NAA). In Florida and other warm regions, veneer grafting in spring is highly effective.
If you love your seedlings, you can top-work them: cut back hard and graft scions from a known cultivar. Or, plant grafted trees from a reputable nursery. Loquats prefer well-drained soil, full sun, and moderate water. They're hardy to about 15°F once established.
Bottom line: for fruit, don't grow from seed. Graft, buy grafted, or convert existing seedlings. Your patience will pay off with sweet, tangy harvests.
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