I'm a diehard zone pusher; I know I'm not alone. I was intrigued by your question so searched "loquat in zone 7". Here's someone who has/had a loquat outside in zone 7.
https://goingtoseedinzone5.wordpress...uat-in-zone-7/ And others who grew them in the "wrong" zone.
Anyone tried a Loquat tree in zone 7 ?
If they're like figs, they'll die back the 1st couple of years. I planted one that grew happily in a warm 7 (MD) to a chilly zone 5 (OH). Despite all efforts to protect her, she went down to the root for 2 winters and produced nothing. By the 3rd year she was flowering. Good luck!