Q.loquat fruit tree
I have a loquat tree grown from seed. It’s about five years old and very healthy but no fruit or flowers ever. My question is, does it need to be grafted in order to bear fruit? Thanks.

It may be a fertilizing issue, likely a nitrogen/phosphorus inbalance. Too much nitrogen in the soil will prodcue healthy growth but limit flowering and fruiting production. Try adding some more phosphorus-rich fertilizer or bone meal to the soil to encourage more flowering and fruiting. Plants need phosphorus for flowering and fruiting. Without it, there will be no blooms and thus no fruit. Here is more information: https://www.gardeningknowhow.com/garden-how-to/soil-fertilizers/phosphorus-plant-growth.htm