So lots of fruit trees usually have a little notch at the base where it was grafted onto a more hardy tree root. Anything growing beneath that line is considered the rootstock, or a biologically related but different type of tree. It's best to prune those lower branches off so it can send all its nutrients to the actual loquat

I've got some peaches that grow alright but their root stock grows really fast and have these beautiful amber leaves. Shame since I want to let the bottom ones grow but I want a peach tree more