Hi Melinda,

This looks like apple scab. Our ample rain seems to be helping scab spread. See this page:

https://extension.umn.edu/plant-diseases/apple-scab

Spray timing is important. Sometimes it needs to be reapplied after rain. See what the directions on the bottle say and follow them, don’t spray more than recommended. Apply first thing in the morning or at dusk to avoid having wet leaves burn in the sun.

Raking up fallen leaves over summer and in the fall can help reduce reinfection.  As the tree gets bigger, have someone prune it to keep the canopy open and airy.

Hope this helps. Good luck.