Microclimatic conditions, genetics, and stress are possible contributors.
Another consideration is the provenance of the tree. Where did the parent of the tree come from? Up here in hardiness zone 4 it's easy to spot tree cultivars whose parents grew in warmer climates with longer growing seasons, hence later leaf drop. If a tree with a southern lineage is grown in the north, and allowed to propagate by seed, it would take several generations for the tree to adjust to the northern clock, and begin to drop its leaves at the appropriate time.
This is one of the reasons Norway Maples, which were planted large-scale here in snowy Syracuse, NY, have big problems (among many other problems), even though they are cold hardy to zone 4. They are still on the European clock, which has a longer growing season, and keep their leaves much too late in the season. When we have an early big snowstorm -- which is no rarity here -- because of all the surface area of the leaves, we get a huge amount of branch failure. It would be nice if some thoughtful local nurseryman would select a Norway Maple cultivar for early leaf senescence.
So, it's common to see many trees of the same species in the same locale dropping their leaves at different times, because you don't know from what nursery the parent of the trees were grown.
Or course, the phenomenon could also be attributed to stress or microclimates. Or genetics, providing the tree is not a clone, thus all the trees having the exact same genetic makeup.