I'd wait a bit longer, but I think the upper part of the plants are dead and they are putting out sucker growth at ground level. I'd plan to cut off most of the dead growth and let the suckers grow for a while. Eventually on the oak, I think you'd need to select one to make a new tree. I guess on the loquat, since they don't huge, it depends on how you want it to look. They are naturally multi-trunked I think, so you might only need to remove the dead growth above. Or you might want to leave only 3-4 trunks and trim back the rest. Sucker growth tends to work with a larger root system, so they may grow really fast.
