As others have mentioned, the first picture shows Cedar Apple Rust, which is mostly cosmetic in the northern states like NY, PA MI, WI and MN. However, Native Hunter reports CAR takes a much harder toll on his trees in central KY. So depending on your location, this may – or may not – be a serious concern to you.
There are plenty of varieties that CAR resistant, so don’t let this slow you down, just be aware is present in your area.