Apparently it’s out of season — the fruit is supposed to be ripe in the “late winter or early spring,” not July 1 as in our case.
Speaking of which, while we tried to figure out what sort of tree it is and whether the fruit was any good, most of the fruit has gone bad. The one nice one I could find to show the arborist survived about a half-second past identification, e.g. “Oh, that’s a loquat… <gulp>”
Thanks to the various folks who suggested quince and kumquat: close, but no pie.