I have a large loquat tree that is over 30 years old. Parts of the tree appear to be dying. The fruit this year was prolific but very small. New small leaves and fruit on thin branches are dying. There is a bright white fungus or mold that looks like paint on the strongest part of the main trunk, maybe 4' up. This appeared quite suddenly. I live in Texas, and we had a record drought last year and lots of rain in the last month or so.