Hi Fred, thanks for the question.

This may very well be apple scab.  It's a little hard to tell from the pictures.  Removing and destroying the leaves is important since they can carry the pathogen.  Timing of spraying for this problem is important.  Check out the following links;

Apple scab of apples and crabapples | UMN Extension

Apple Scab – Wisconsin Horticulture

Apple scab - Integrated Pest Management (msu.edu)

If this doesn't fit what you are seeing, send some close up well focused pictures of the leaves (front and back). Also, include when and what you are spraying.

I hope this is helpful.