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Loquat grown from seed are frequently self-infertile and do not come true from seed.

Loquat seeds are slow sprouting, they can take weeks or even up to a month before they are growing.

https://www.gardeningknowhow.com/edible/fruits/loquat/growing-loquat-fruit.htm

Both over- and under-watering can cause leaf yellowing and leaf drop. Vary the water you provide according to the heat and humidity of the week, and don't let the tree dry out until the leaves wilt. Keep in mind that trees in containers need more frequent watering than those planted in the ground.

Other types of stress could cause the same symptom, such as exposure to excessive fertilizer, salts, or toxins.

Loquat trees normally only flower once a year. It is unusual because it produces its flowers in the fall, and the flowers develop into fruits which can be harvested in spring. This is probably the behavior you're observing.

I found a fruitless cultivator that is called a Bronze Loquat.

Though some Loquat Tree's are self pollinating, there are many cultivators that must be pollinated with another tree.
Since most Loquat's that are purchased from a nursery are a grafted stock, they should began producing fruit at 2 to 3 years of age.
The fact that your tree is older then this, has blossoms and no fruit suggests you need another tree to provide pollination.

https://www.gardeningknowhow.com/edible/fruits/loquat/growing-loquat-fruit.htm

Loquat seeds are easy to grow from seed, though they will likely not be the same as the parent plant. Trees started from seed will not likely fruit.
They do not need stratification to germinate. Just place the seeds in a starter pot with a good quality potting mix, cover with an inch of soil. Keep moist and in a bright location.
Separate into individual pots when the seedlings are 6 to 7 inches tall.

https://www.gardeningknowhow.com/edible/fruits/loquat/growing-loquat-fruit.htm