Porkpal and greene you are correct! Man who sold it to me thought it was a pawpaw. I've had it about 4 years and this is first bloom. Beautiful tree but it will never bear fruit in my climate. I wonder if it could be dug up and moved or is it too old now?
It is an attractive tree even if the fruit does not survive your winters. I find here that it is the most vulnerable when the blooms are just setting fruit, after that light freezes do not seem to bother the loquats.
, looks very much like a Loquat. 
