It's pretty early for scab to show symptoms like that. This time of year it's just small brown smudges. Trees with scab and yellow leaves still have brown smudges and deformed leaves, but that would be later in the summer. That's not to say you don't have scab, I just can't tell from that pic. If it was scab, there is nothing you are going to do about it anyways this late. It's already there for the year.
I'd be more inclined to say stress from something, too much water, to little, to much heat, etc. I would guess it will drop those leaves as the trees way of dealing w/ the stress. I'm seeing a little yellowing in some of my trees (not like that though), I'm assuming from all the rain. I have tree fruit specialist from UVM coming to tour my orchards tomorrow. I'll try to remember to ask him about your tree.