The leaves are browning and falling off much earlier than another tree of the same type. This happened last year as well, but this year it's much worse. You can see the two trees in the first photo. I also took a look at the leaves at 40x magnification. All of them have the black thingies seen in picture 4, maybe it's just dirt, and some have the white fuzz in picture 3, though I have no idea if this is part of the problem. The trunk and branches all look healthy.
This may be too much information, but we want to be sure before treating the tree!
This may be too much information, but we want to be sure before treating the tree!