I can't say for sure, but it looks a lot like a tree we had in Houston that the nurseryman called a "Loquat".. the fruit was supposed to be edible and I guess it was... the squirrels helped themselves.
Common name: Loquat, Japanese Plum
Botanical name: Eriobotrya japonica
Family: Rosaceae
Origin: China
Avg. Height X Width: 15' x 15'
Season: January to April
Damage temp: 22 F
Comments: Loquats are shaped like Christmas trees, but they have large fuzzy leaves that are green on top and silver underneath. The fruit tastes like a combination of peach and apricot. They are most often eaten fresh, in jellies and in wines. The trees will begin fruiting at just one to two years of age. Image: © Ian Maguire